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

At the end of XX/XX/2020 I turned my leased Ford car in at XXXX XXXX XXXX in XXXX KS. I received a confirmation letter that the car was turned in when I turned it in. There is no dispute about the car being turned in or when it was turned in. Ford agrees I turned it in at the end of XX/XX/2020 when the lease was up. 
The issue : I had overpaid on my registration for the vehicle due to paying for registration for one year and turning the car in before the year was up and was due a refund by the state of KS. I went in XX/XX/2020 to get the refund and was told that the car was still registered to me. The car was not taken out of my name until XX/XX/2020 when Ford re-sold the car and the state of KS was not notified of this until XX/XX/2020. Per the state of KS it is now too late for me to get a refund due to Fords negligence and conduct in this situation. I want Ford to pay the amount of the registration refund due to this and I have concerns about a car being in my name for months when I did not own it or have insurance on the vehicle. Ford is not owning up to their conduct issues or agreeing to pay a refund. Please assist and more information and documentation can be provided upon request. It was advised I not put it in here.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX for {$830.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and Equifax, and I was surprised to find an entry for a debt from XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Debt collection

This number called my cell phone number and my husband 's cell phone number, left voice mail messages saying they were trying to reach me about a credit card debt from 2005 from a Bank of America credit card for the amount of {$2500.00}. When I called the number back, I spoke to a male who said they were a legal 3rd party and that I was being taken to court for the judgment above in addition to {$2000.00} in legal fees and that I would be served in person in the next XXXX days. The male first gave my last XXXX digits of my social and a few minutes later stated my social security number in full - asking me to respond yes or no, I did not respond. But they do have my correct social. He said I was going to jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. ALLY FINANCIAL XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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 given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX 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 Experian and XXXX 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, credit repair services, or other personal consumer reports

I had trouble getting a report from Experian so I called their support. Their support told me the SSN they had on file for me was different from the on printed on my card. They changed the number and confirmed this change in record with me via snail mail. However, I still can't get a report from them. I can't qualify for a card card ( despite having any credit history ) OR get a free report. Most sites tell me that my SSN is invalid but it's literally printed on my card and I use it to file my taxes annually.
Product: Consumer Loan

took out the the load from mobiloan. After, discovered and the terms and conditions of the load were unlawfully in my area. have contacted the company asking to surrender the load without penalty and interest. They refused and to day keep harassing me over the phone 10-20 times each day as well as placed a negative entry in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain items from my credit file. I am a victim of identity theft and have identified multiple accounts and inquiries on my credit report that I did not apply for. I have attached a XXXX document outlining the specific items that I believe need to be deleted. 

In accordance with Section 605B of the Fair Credit Reporting Act, I respectfully request that these fraudulent items be blocked from my credit report. I have also filed a report with the Federal Trade Commission regarding this identity theft, and I have enclosed a copy of that report for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter recently from XXXX XXXX who is suddenly and mysteriously regenerating a bill that was closed out in a foreclosure back in XXXX for a property they even have listed improperly at XXXX XXXX XXXX XXXX NC and the physical address was XXXX XXXX XXXX XXXX because the Attorney we hired who was handling everything had committed some fraudulent activity with hundreds of clients just like myself and I wound up with 2 Payments to different lenders at ridiculously high rates and not long after he wound up in prison for this subprime lending scam. 
This isXX/XX/XXXX and this was generated coincidentally on the same exact date that I had called Experian complaining about my FICO score being 30 points lower that my XX/XX/XXXX or XX/XX/XXXX FICO scores. This regenerated mortgage debt is over XXXX years old now and I should not be receiving mail at my Apartment in XXXX XXXX in XX/XX/XXXXfor something this old. I am attaching this document and really need your assistance before this winds up on my Credit report.
Product: Checking or savings account

Account opened in XXXX  however I am unable to retrieve those statements. Several occasions I would show that funds were available in the account however the overdraft fees would be added because I didn't actually have those funds in the account. The same account is still open and over the last 24 months this has occured after transferring my cashapp funds to my checking with Navy federal I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPD findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

According to the West Virginia Secretary of State, as of XX/XX/2023, XXXX XXXX XXXX have XXXX ( XXXX ) Liens filed. XXXX XXXX XXXX is not indebted to any Corporations. 

Please see Attached documentation.
Product: Debt collection

I have never done business with this company. Also I have no knowledge of the account. This company has not sent me anything showing that this debt belongs to me.
Product: Mortgage

The Money Source Mortgage Company is my mortgage provider. 

I applied for mortgage assistance XXXX, XXXX. Today XX/XX/XXXX they still have not processed my application and are now saying i need to submit a new application. 

I applied for mortgage assistance because I was going to be off of work for an extended period of time XX/XX/XXXX, XXXX XXXX XXXX. I needed time off because of burnout from working as a XXXX  during XXXX. I originally had a start date of XXXX XXXX that was a verbal agreement. I was informed before XXXX that they no longer had any positions open. I went through my agency to find a new position, but onboarding for XXXX  takes a long time and I havent started my new position yet. 

I get several calls a week from the mortgage servicer to tell me that they have my application but it will still be another 30-45 days to process. This has been going on for 2 months. Today, someone named XXXX called and said they need verification of my income to process the application, when its been made clear from the initial application and further letters of explanation that I currently do not have an income. 

Each month its stating Im missing a payment and ruining my credit score. I cant lose my house because if I do I will lose any ability to house my child. I feel like Im being strung along by jthem so that I do eventually lose my house. 

Im currently trying to sell my house so that I dont lose it, but I dont want to sell my house. Ive put so much work and money into it and Ill get next to nothing if I sell.
Product: Mortgage

I have been trying to understand necessary payments for my mother 's mortgage which is owned by XXXX XXXX. I have been calling the company for over two months now, and when directed to my " point of contact '', XXXX XXXX. I'm met with a complete refusal on their behalf to call me back. I have tried escalating this to his supervisor, XXXX XXXX, with no effect. On two occasions, I have received calls which resulted in their system hanging up on me as soon as I pick up. I feel like the mortgage company is intentionally not attempting to establish communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud concern on my Transunion report. I've attempted to contact Transunion, via the website numerous times and was suddenly locked out due to fraud concerns. There was a message to call Transunion. On XX/XX/2020, I called and waited on hold for 1hr and 20 mins. I could not wait any longer. On XX/XX/2020 I called 4 times. Three of the times I waited 25-45 mins and could not wait any more. The 4th time, I waited 1 hr and 11 mins. The lady who answered asked my Social Security number, and then put me on hold, 3 mins later she asked me my social again and again put me on hold. After 5 mins she answered again and asked my social again and then I was put on hold. Then she asked my name and put me on hold, and then came back and again asked my name, and then put me on hold ( During this I could hear all the other agents having conversations with the person they were on the other line with ). 
She came back and asked my name again and then my address, she was extremely rude. After 30 mins of this and getting no where, I asked to speak to a supervisor and she did not respond, rather I was send back to where I started in line to speak to an agent. Which meant I had to wait for a minimum of another hour. I'm in tears because there is fraud and I have no way of reaching anyone. This is not something that protects consumers.
Product: Credit card or prepaid card

I have a citi credit card with {$13000.00} limit. I have a promotional rate of XXXX  XXXX  for 12 months with a balance of {$3400.00}. I have a flex loan with a fix rate of XXXX XXXX for 36 months. I was paying the extra for the promotional amount as their is only 6 months left, and CITI decided to put the extra toward the flex loan. 

No option for me to choose which loan to pay certain amount, as after the promotional loan expires, the amount is subject to XXXX XXXX interest. This to me is fraud or entrapment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX and TransUnion credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background check reports a warrant for my arrest. At the time it was accurate, but I have corrected the issue with CERTIFIED forms that the case is dismissed. This report is still keeping me from being hired form jobs. 

I would like it to be corrected. 

The companies involved is GIS, and the USPS HR department.
Product: Mortgage

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

They called me concerning someone I know account. I ask them not to call me any more and they keep calling. I don t owe this collection company. I am Ill and do not want them calling me again. It's not my account. I am not the owner of this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1XXXX 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 ACCOUNT # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For the period of  XXXX  and  XXXX  if this year my bank is not updating my  XXXX  app on deposits and transactions I have already authorized this app to have access through my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX, Equifax and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax multiple Debt validation letters and have received no response from them whatsoever. This is an itemized list of information That I have requested and have been denied my rights for this information from them. identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt I would like the information for the following collection accounts which they are currently reporting. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Was sent a a letter asking for XXXX for a membership I never had. Was told to call and resolve this issue but found out from XXXX website it was a scam company who uses information to collect money or steal your identity. It is call Apple Recovery Service XXXX XXXX XXXX  XXXX XXXX IL, XXXX ( XXXX ) XXXX Has a XXXX  logo on the bottom of page Claims my is number is XXXX for XXXXXXXX XXXX XXXXXXXX