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

I purchased a XXXX XXXX XXXX back in XX/XX/XXXX. I traded in my XXXX XXXX XXXX which they sold the following day before they paid the loan off. I signed a contract with the then finance manager and was told my payments would be {$480.00} per month. I never received my paperwork nor tag after a month went by. I was then told that I needed to bring the vehicle back because the loan was never approved. After speaking with the loan company they stated that I lied on my application which obviously was changed based on the information they supplied me with via phone. I did not return the vehicle because they had already sold my car and would not give me the option of applying for another vehicle. Which that being said I was cohurst to sign a new contract with a payment of {$630.00} per month and was promised I could refinance. I have been denied refinancing due to the loan amount being double of what the vehicle is actually worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my car today XX/XX/19 and I was told that I was unable to do so at this time because there are some accounts reflecting badly on my credit report. I took a look at the accounts and none of them are mine. I did not open any of these accounts I never allowed anyone to open them in my name or with my personal information. I don't know who these accounts belong to but I never benefitted anything from them being open in my name such as money, goods, services or any other benefit. I do not have any relationship/contract with any of these companies and I never authorized them to access my credit nor personal information. I have already filed a police report regarding these unauthorized accounts.
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. 
Account name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that XXXX, Experian, and XXXX, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$350000.00} ; {$350000.00} ; XXXX XXXX  XXXX Balance Owed : {$680.00}
Product: Mortgage

XXXX # XXXX XXXX. XXXX XXXX XX/XX/XXXX OnXX/XX/XXXX chase given me a totally different answer then complaint XXXX of XXXX XXXX role. Only XXXX XXXX can answer this question. 

Produce documentation and prove up with paperwork that XXXX XXXX   legally invested in my loan loan XXXX without my knowledge and while chase was my servicer?
Product: Student loan

I've been continuously employed in federal service since XX/XX/XXXX ( following my graduation in XX/XX/XXXX ). 

About a year after law school I consolidated my loans ( in XXXX ) and they were grouped into subsidized and unsubsidized loans. I've never missed a payment, and always paid the amount due on notices that I've received. I may have had a short deferment period ( though don't totally recall that, but my lender indicates I did ). Approximately 2 years ago I transferred my loans to fed loan servicing since I learned that, once I completed 10 years of public service, they would need to be with this service provider to process my application for forgiveness. In anticipation of this, I had been speaking with them about what payments qualified. I received an accounting about a year and a half ago showing a number of payments that would not be counted ( claiming I paid a penny less, for instance ). I was able to find  documentation showing that I paid what I was told that I owed and a number of these payments were fixed and counted towards forgiveness. 

This spring I believed I had completed my 120 payments ( and then some ). I applied for forgiveness in approximately XX/XX/XXXX. In XX/XX/XXXX I logged on to discovery that, without contacting me, they had forgiven the unsubsidized portion of my loans. I spoke to them immediately and was told that as to my subsidized portion, they were having trouble getting information from my lender for a time period around XXXX and that was why those hadn't yet been forgiven. I was told they would expedite this process. In midXXXX I again spoke with them and was told no one was expediting anything, that it could take up to a year ( but that this was highly unusual ) to process an application for forgiveness. I was given next to no other information or guidance on how I could move along the process. I was told I would receive another accounting explaining the status of this loan and what payments qualified. Several weeks later, I have still received nothing. 

Additionally, the loan that was forgiven was overpaid by approximately {$1700.00} while I was waiting for them to act on my forgiveness application. I was told that money would be sent back to my by the federal government and that it should take at least 30 days. Two months later, after receiving nothing despite repeated promises that the money would be sent to me, I was told that it was applied to my remaining loan balance. That loan is now in overpayment status as a result, which also means I am not getting credit for additional payments ( or for the " payments '' that would have been covered by the {$1700.00} of my own money that was applied to the loan ), though I am well over 120 payments at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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: Money transfer, virtual currency, or money service

Wells Fargo continues to mask it's responsibility for protecting its clients behind a third party company they own. They XXXX their responsibility to me their customer and offer no help. I will be moving my accounts to anyone else other than a bank that doesn't follow the law and protects its customers.
Product: Credit reporting or other personal consumer reports

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Product: Money transfer, virtual currency, or money service

This person with XXXX and phone number XXXX called me stating to be a XX/XX/XXXX representative and asked if I had XX/XX/XXXX and which I said yes. But, I hanged up since it seemed fishy. But, the person managed to hack my phone through the XXXX app. Was able to find my XXXX XXXX XXXX  it and stole my XX/XX/XXXX login info. Get in get the code to get past the double security feature. And send XXXX to himself through a zelle account I didn't make towards XXXX. the next day I woke up logged into it and saw that and started contacting my bank saying to factory reset my phone and run an anti-hack program which I did and they told me there is nothing to be done and believe I gave my authority on the transaction when I didn't since he had full access to my phone after the hack.
Product: Mortgage

We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XX/XX/XXXX was incorrectly charged XXXX in property taxes XX/XX/XXXX problem was resolved with the county and a refund of XXXX was issued to my mortgage company They have refused to acknowledge the refund and adjusted my payment to reflect the higher tax amount which raised it XXXX. 

I emailed the corrected bill in XX/XX/XXXX. 

I contacted them by phone a number of times in XX/XX/XXXX and XX/XX/XXXX. 

I faxed correct figures from the county website XX/XX/XXXX to XXXX at PHH. 

I received my 2022 tax notice XXXX weeks ago and PHH website still does not reflect the correct tax amount.
Product: Credit reporting or other personal consumer reports

US Bank is improperly reporting on my credit report because they are greedy and refuse to do the right thing so it's all lies that they are turning in on my credit report. I'm not receiving my security interest or nothing. They have been a headache all the way around
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this collection with a valid identity theft report attached and they are still not honoring this situation. This account was opened fraudulently, with proof attached, it needs to be removed from my credit report immediately.
Product: Mortgage

My family and I fell into a hardship during the winter freeze that Texas had which caused us to request a forbearance due to having to live elsewhere until our utilities were fixed as we have children and only one income. Mr. cooper was saying that they would help and that my payments would be put on pause, and they were. What they didn't explain was once i came off the forbearance that i didn't just go back into paying my same payment. So now the options for me became either go into foreclosure or go from {$1200.00} a month mortgage at 3 % interest to {$2000.00} mortgage at 7.5 % interest which isn't even affordable when the whole plan was to make my payments more affordable because of the hardship I was going through. So now me and my family are pretty much set up to fail and just end up going into foreclosure later than sooner. The forbearance is really in my opinion a tactic to get more money out of the consumer and pretty much take the house from them because that's all that can happen here. If i was having problems paying {$1200.00}, how is {$2000.00} more affordable? how does {$800.00} more a month help a consumer that has experienced a disaster? I really feel tricked and taken advantage of in this circumstance... they didn't help me, they set me up
Product: Debt collection

This debt is not my debt. I have submitted numerous times prof of debt and never received anything other than it was validated. It is showing as a charge every month which is not legal and still showing a balance due.
Product: Debt collection

In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right 's as a consumer.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, my rights have been violated causing damage to my reputation and well-being through the intrusion of my privacy and inaccurate reporting. Capital One willfully furnished adverse information to the credit bureau, XXXX. In addition, transactions were reported which violate 15 USC 1681a ( A ) ( i ). I never gave XXXX nor Capital One any written or unwritten consent to share any of my information publicly. Also, Capital One furnished information to XXXX as charged off numerous of times on my report. A charge-off is considered income, and income is not allowed to be furnished to a credit report. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Capital One are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with XXXX, Trans Union and XXXX regarding verification on an inaccurate account on my credit report. I would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter promptly and accurately. I have been correcting information on my credit report from XXXX, Trans Union and XXXX. I discovered two account that has been inaccurately reported. The account in question belongs to XXXX XXXX XXXX XXXX  and XXXX XXXX, and it is listed as incorrect balance as a charge-off in the amount {$300.00} and the {$670.00}. I sent letters to the furnisher to request verification on the account and was unsuccessful on this situation. 

I sent a letters requesting the furnisher to verify my information on the account since I have been a victim of Identity theft in the past. Neither of the furnisher has supplied me information on this account as a consumer. In additionally, I have submitted a dispute letters with XXXX, Trans Union and XXXX, with supporting documentation of inaccurate account removed from my credit report. I have attached documentation on relevant dispute. I have not received any documentation from XXXX in regards to this inaccurate information on my credit file. This adversely affects my credit score and ability to secure credit when needed. I am concerned that this inaccurate information may continue to harm my financial standing if not addressed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORTS THAT ARE NOT MINE/ INACCURATE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my XXXX XXXX XXXXXXXX XXXX account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * XXXX XXXXXXXX XXXX, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a XXXX late payment. This is misleading and inaccurate. 
* XXXX XXXXXXXX XXXX, as reported to Equifax, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* XXXX XXXX XXXXXXXX, as reported to XXXX, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a 30-day late payment. This is inconsistent with my actual payment history.
Product: Money transfer, virtual currency, or money service

I received a notice from PayPalXXXX  on XX/XX/2021 that my personal PayPal account in now Permanently ban limited and that I can not use the account to receive payments or do any type of money transfers. The Permanent Ban Limitation provides no explanation of why the account is now banned or why I can no longer do business on PayPal. There is a XXXX day limitation placed on the funds in the PayPal account. On the PayPal website there is no way to try to resolve the issue of having the Permanent Ban Limitation lifted and have the account reinstated. 
I have not violated any of PayPal policy agreements, I do not have any prior disputes, strikes, and limitations on my PayPal account. I would like a resolution of my PayPal account reinstated lifting the permanent ban limitation so there are no restrictions on my PayPal account. As well as an explanation for why the PayPal account was flagged for permanent ban limitation and what I would need to fix the issue to have my account back.
Product: Credit reporting or other personal consumer reports

Chase recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be late.XXXX  XXXX XXXX, XXXX and XXXX of XXXX are incorrect.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's careless actions with my dispute. Two transactions of {$300.00} was taken from my account and I was unable to recover my funds. Despite using Zelle numerous times, my financial institution and Zelle failed investigate my dispute adequately. They informed me that recovering lost funds were unable to be sent back and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to hinder the system. This failure in their security process left me vulnerable, and their response to my dispute has been inadequate, leaving me frustrated and financially impacted.
Product: Student loan

XX/XX/2020 My payment was applied to the wrong loan. The agent who follow a month after was aggressive and tried to force me to make a payment when the agent I spoke too make payment mess up. This second time this has happen to me. The first time was last year and they would say they put a recommendation for my account to be update. But the follow week I would receive calls saying my account was past due and do the process of explaining that a agent applied my payment wrong.