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

In 2016 I was involved in a domestic situation. During that time, my partner did not have a car and mine was used by us both for transportation. That car ended up having to be replaced. I went to XXXX XXXX in XXXX NC to purchase a new car, however was forced at that time to co-sign for a car for her as well. At this time because I knew how much I had been abused, no matter what signs I gave the salesman they pressured me to co-sign as well. Stated why not " 2 in one day '' At this time I co-signed for her car and signed for mine, we both received a XXXX XXXX XXXX. The cars were both financed through the same company, NMAC. Nissan 's finance company. As a consumer my income did not support two loans. These cars again were financed on the same day, by the same company, this made the sale unfair. The salesman was not concerned about me at the time, my income, it was only to gain a sale, knowing I could not afford it affecting my credit worthiness. I was young at the time as well, 2 years out of college. I satisfied my loan but because she could not afford the second loan, nor could I, she got the car repossessed ( Vin ending in XXXX ) and the repossession is now on my credit file. With this sale, it broke laws according to the UDAPP- Unfair, Deceptive, & Abusive Acts and Practices. I have contacted Nissan 's loss recovery department on XX/XX/XXXX, XX/XX/XXXX at XXXX ( Spoke with XXXX-gave me service req # XXXX ) on XX/XX/XXXX at XXXX ( Spoke with XXXX ) and requested a copy of the sales agreement from this day, all three times they stated they mailed it, except XXXX, she stated she would email it, I have yet to receive this sales agreement. I spoke to a sales representative at XXXX XXXX XXXX in XXXX NC to see if I could obtain anything from them, but he stated they did not use the same system. He also stated to me that Nissan would not send me that information because they knew they were in the wrong for making that sale
Product: Debt collection

Hello my name is XXXX XXXX and this is my second complaint towards lvnv funding after they failed to rectify matters in my first complaint Please see attached
Product: Vehicle loan or lease

In XXXX of XXXX, upon reviewing my consumer report, I saw that a XXXX XXXX XXXX  was purchased on XX/XX/XXXX, and was reporting on my reports from Exeter Finance LLC. I called Exeter Finance and spoke with the fraud department. XXXX XXXX, a representative from the fraud department, told me he's processing my information and sent me an email in order to confirm my identity. I responded to the email with my social and driver 's license and the personal information they had on file for the vehicle didn't match with mines.

I sent letters to the consumer reporting agencies to dispute and remove the fraudulent information from my credit report but they responded with a verified status. I proceeded to make an identity theft claim. I also put a security freeze on my consumer reports.

I reached out again to Exeter Finance on XX/XX/XXXX and spoke with a representative by the name XXXX who refrained to answer most of my questions. She gave the name of the person responsible for the car and it is XXXX XXXX. XXXX, also confirmed to me again that the information they had on file did not match mines and claimed to not being able to make-out the signature due to the ineligibility of the hand-writing. The vehicle was repossessed in XXXX XXXX, South Carolina. 

XXXX stated there was no record of the initial fraud claim from the first contact with Exeter Finance and refused to actually do a fraud claim due to receiving my letters and deeming the account accurate. 

Since I do not live in the state the crime took place, I was told I have to make a report in my state of residence first, then to call South Carolina with that report number to state the filing of the report in South Carolina. I have since reach out to my state police department and I am still awaiting a response or an update in regards to my identity theft fraud claim.
Product: Debt collection

I rented an apartment at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I ended my lease early in mutual agreement with my landlord and paid a {$4000.00} fee to do so. I communicated with my landlord to coordinate my move out date. They attempted to demand that I return to the apartment to continue cleaning, despite my having left it in reasonable and clean condition. I told them I had already surrendered the apartment. They threatened to charge me for wear and tear. I never received a statement of alleged damages in violation of Connecticut state law, CGA Sec. XXXX. Now, the management company has submitted a roughly {$890.00} charge charge to a debt collector to collect on an illegal debt, in addition to wrongfully withholding my security deposit.
Product: Credit card or prepaid card

I wasted an hour on hold today trying to dispute a transaction. The company offers no facility for doing this in writing, and I can barely hear the representative who barely speaks English anyway. 

On XXXX XXXX at XXXX AM I placed an order with XXXX Eats. They kept pushing back the time of delivery until it was over two hours. I had to go to work so I cancelled it. They told me they wouldnt provide a refund and they expected me to wait as long as it takes. 

Eventually they apparently issued a partial refund ( {$7.00} at XXXX that evening ). 

I want the rest refunded.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase last year and have been transacting in the account since. For no apparent reason I was asked this week to upload my drivers license ( Note : I had already done this when I first opened the account ). I have now been denied access to my account, despite multiple license uploads. They have not only given me no explanation for this, but have sent me texts to notify me that my account was now accessible, when it is not. I have been denied access to my funds and appear to have no recourse. Please help.
Product: Credit card or prepaid card

Charged finance charges even though balance was paid within 2 business days of charge posting to account. Total charges are {$2.00}. Company agreed to give refund but has not process even though I have been calling for the past 2 weeks. 

Comenity Bank
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 names on my Trans Union credit report. 
One is correct, and the other is what appears to be a miss spelling of my name. 
Example. 
xxx xxxxxxxxx and xxx xxxxxxxx.
Product: Credit reporting or other personal consumer reports

XXXX/XXXX ACCOUNT NUMBER : ... XXXX NEVER BEEN LATE XXXX XXXX XXXX ACCOUNT NUMBER : ... XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried Several times to Dispute inaccurate information with Experian which Experian doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Experian To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint myself. You sent me a response saying, " but it didnt appear to have been communicated by you or a properly authorized third party. '' That is not TRUE, I am submitting this complaint myself. I have gotten information on how to do this online, when I sent things to the bureaus some of them are telling me to do a complaint with you online with the CFPB. 

I did this complaint myself. 

The following : XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, {$1200.00}. 
XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX , # XXXX, XX/XX/XXXX, {$460.00}. 

These are not mine, they may belong to someone with my name or opened via fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX and Transunion are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

This complaint is again st Rentdebt Automated Collection, w ho 's addressed is listed on the credit report as  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  TN  XXXX .     This is the address I sent certified letters to request them to verify the debt the letters where not deliverable evidence of the attachments provided.     As you can see this complaint was initiated against the credit bureaus,  XXXX ,  XXXX  and   XXXX   to show the collection agency did not provide me with validation of the debt because they have a address that is undeliverable by mail. This was my augment why the debt should be removed.     The debt as reported on the  XXXX  credit bureaus mentioned above is {$4000.00} which is not my debit and should be removed. I found online the same company claiming someone else owes nearly the same amount, the person making the complaint posted it online, below i provide a brief example of that post.     I feel because the debt collection compa ny Rentdebt Automated Collec  tion had  a incorrect address for me to seek validation of the debt it should be removed.        XXXX  CFPB review In progress  XX/XX/XXXX   XXXX  CFPB review In progress  XX/XX/XXXX   XXXX  CF PB review R esponse disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX   XXXX ,  XXXX  Online Complaint I found onlin e : RENTDEBT AUTOMATED C OLLECTIONS RENTDEBT AUTOMATED COLLECTIONS Contacts & Information Posted :  XXXX  Unknown Bill Complaint Rating : 100 % with  XXXX  votes Contact information :  XXXX  at the  XXXX   XXXX   XXXX , Texas United States This company is claiming debt is owed on an apartment rental. They calle d six month s after we moved out saying we had been sent to collections for a broken window. Actually, I 'm not the one who received a call my roommate did. I did see it on my credit report though. This is crazy. No window was broken and no bill was ever sent out. If they do n't make a claim within 30 days of moving o ut ( a   stretch in my opinion ) it 's a bogus claim. Anyone could have broken a window if a window was broken at all. This place went through  XXXX  managements in the 6 months we lived there. They 're poorly run. Then this collection company states we owe money. I 've yet to see a bill on this claim or a call. I refuse to pay for something I did not do to a company I do not think is legit.     This company is so crooked. I moved out of  an apt complex over  a year ago. When I moved out, the management tried to say I left almost {$4000.00} worth of damage. What a bunch of  XXXX . I disputed the charges via certified letter. I then get a call from this sham of a company stating I owe them this money. I sent them a copy of the dispute and I never heard anything else from them. But today I found the collection on my credit report even after I sent them proof.
Product: Credit reporting

THIS COMPLAINT REPLACES Case number : XXXX : Credit bureau keeps reporting inaccuracies related to XXXX XXXX XXXX XXXX XXXX XXXX tradelines. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian accidentally deleted my mortgage off of my report and in less than 30 days my score has dropped a total of XXXX points. How can this be fair l? I've called them twice and they said they couldn't figure our how it happened and can not give credit advise. My mortgage was reporting for years from XXXX Bank over {$500000.00} balance and they can just tell me they can not fix? Please assist me in this matter.
Product: Credit reporting or other personal consumer reports

PHH MORTGAGE SERVICES has obtained my nonpublic information as result of material misrepresentation, fraud, and identity theft pursuant to 1682a ( q ) ( 3 ) and XXXX Penal Code O.C.G.A.  XXXX thru XXXX. 

PHH MORTGAGE SERVICES has fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Biliey-Act ( 15 USC 6802 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Equifax credit report I noticed that there are three ( 3 ) accounts that are reporting inaccurate information.

1 ) Collection account with no information of who the creditor is, no contact onformation, no original creditor no account name. ( see attached report ) 2 ) XXXX XXXX  XXXX - Account is reporting closed, however there are three ( 3 ) late payments reporting in 2019. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( see attached ) 3 ) XXXX XXXX The account " Status '' is reporting as " Charge-Off '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was asdvised by the creditor to contact the credit bureaus to correct this matter. ( see attached ) I would like for Equifax to review these inaccurate reporting information and make the necessary corrections.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute the information related to account # ( XXXX ) on my credit report. Following the completion of your recent reinvestigation, I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information.

As a natural person exercising my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you refrain from using any stall tactics in response to this letter. I look forward to your response within 15 days upon your receipt of this letter.
Product: Debt collection

I have been calling to settle the debt. When I ask to settle the give me XXXX off. I say no .. give them a figure. They pretend to put me on hold .. come back with not the figure I asked. 
I owe XXXX and I asked for XXXX and I would pay it off. 
Its all pretend. They get a kick back on the collection .. why not give me a opportunity to settle
Product: Mortgage

I fell behind on my mortgage payments XXXX years ago after losing my job. US Bank Home Mortgage offer loss mitigation at that time. I filed all the paperwork but after XXXX months I contacted my case manager because I had not heard if it been denied or approved. At that time I was told that my application had been lost. I submitted all the paperwork via email so I had proof that it was submitted to my case manager. After re-submitting, it took almost another XXXX months to be told I had been denied. at this point all I wanted to do was resolve this issue and get out of debt. By this time I had another job. I wanted to short sale my home so I submitted all the paperwork for this process. It took another year for this process to even get started. By this time I had already moved out of the house for fear that the mortgage company would come in with " eviction '' papers. after a year of trying to short sale, I was finally told that I was eligible to do this because I showed a positive income. Well of course I would if I had another job and was n't paying a house note. So at this point I am at the mercy of my mortgage company waiting for them to close my case and stop the negative impact to my credit report. I do not recommend anyone using US Bank Home Mortgage and hope they never have to be put through the foreclosure process with them.
Product: Mortgage

My name is XXXX XXXX, and this month I will turn XXXX years old. I am dealing with a serious medical issue with my wife of 35-years. My situation is complicated, but I have been pressed with an acceleration letter to foreclose on my home. My home can be worth anywhere from {$170000.00} to {$210000.00}. I owe {$130000.00} on my mortgage that includes back payments. My recreational vehicle was repossessed, and I am virtually living on a fixed income. Accordingly, I request the opportunity for Bayview Loan Servicing to give me the opportunity to list my home for sale. My wife and I should be living in an assisted living center, and our current matters both medically and financially are just too difficult to deal with. I request a cease and desist on any foreclosure actions, as my home has equity and it should sell fast. A foreclosure action will only cause me financial losses that I simply can not incur at this time.
Product: Credit card or prepaid card

Bank of America XXXX XXXX through the state of California XXXX. 

So basically my account was closed around the day of XX/XX/20 without warning. I called BofA and they said that the XXXX ordered it and the XXXX said that they didn't do any such thing and told me to work it out with Bank of America. BofA wouldn't even let me talk to a supervisor yesterday when I made another frustrated call after seeing the " closed account '' go from having {$1200.00} to - {$81.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX, XXXX. ) a to irlie qual customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXXwas untair and Laceptive XXXX as they did hot " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress