23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Please don't close this complaint just because this mortgage company, XXXX XXXX XXXX , says they will act on it. They said they will and CFPB closed this complaint and the issue still exists. XXXX XXXX XXXX did nothing. There are multiple complaints against this mortgage company on XXXX as well. Please check the XXXX website. 

Our mortgage was transferred from this mortgage company to XXXX two months ago. We even began paying to XXXX, after verifying with them, but XXXX XXXX XXXX refuses to close our account and report it correctly to credit agencies. It's becoming a problem for us as our credit report is incorrectly showing primary loan on our home owned by two mortgage companies. When it should only be XXXX. 

I hope due diligence is conducted with this mortgage company, and please don't close this complaint till full resolution and proof from XXXX XXXX XXXX  has been submitted that validates that they have corrected their records and reported it correctly as per the regulatory requirements. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I sent check # XXXX for the amount of {$1800.00} to Wells Fargo Bank to pay off loan on a vehicle traded in to my auto dealership. The check cleared my account on XX/XX/XXXX. Letter and bill of sale were sent with the check as per Wels Fargo instructions. Numerous calls and still no title. The Office of president title team told me they have 6 weeks to process and mail it out. I legally have 10 days to produce a title. How can the bank be allowed to hold a title that long? Even if this is true it has been much longer. We have even faxed over bill of sale 2 more times after phone conversations on XX/XX/XXXX and XX/XX/XXXX. 1st # we were calling was XXXX. Last one was Office of the President XXXX. I do not have the customers loan # and Wells Fargo states they can't give it to me. The customer information is on bill of sale and letter attached to this complaint.
Product: Payday loan, title loan, or personal loan

LENDMARK FINANCIAL they won't send a statement for over 2 years now I don't know what they are doing to my account how much is being applied to balance how much interest I'm paying. I look online at complaints for this company and see they are tacking on fees so that the loan can never be paid off. how is this company still allowed to exist.
Product: Vehicle loan or lease

I received an answer to my complaint from WestLake Finance on XXXX XXXX through XXXX XXXX XXXX. Two months since I never received any letters or emails from WestLake Finance regardless status of the vehicle that they begun to purchase from
 the dealer or Fraud department update as they promised in the reply to my complaint. 
I received letters from Westlake Finance stating that my car is being repossessed due to my outstanding loan balance. And that they initiated a car sale on an auction. This very car which was declared absolutely totaled and the repair cost exceeded the car value multiple times only at the third day leaving the dealer. We havent seen this car since XXXX and had no idea of the car location since it left the XXXX shop. We received absolutely not a single word from the car dealer after they took vehicle away in XXXX and promised to reach out with updates. Our attempts to reach out to them were unsuccessful as well. 
This is the  surprise that WestLake finance prepared for my family. After misleading us and lying to us and to the federal agencies,  alongside with a dealer tricking us into buying this malfunction car and all of these fake undisclosed warranties, differed down payments as well as a  car insurance by XXXX XXXX  which they also made me purchase and which overdrafted my bank account even after us telling them that we dont posses the car and it is not running. Now my familys main and only bank account got shutdown. Its been enough lies and misinformation, from now on Im seeking a legal attorney assistance into putting these scammer Dealer and Finance company into their place. All my family holidays got ruined as well as XXXX XXXX of my wife due to stress, XXXX XXXX XXXX  that these scammers brought upon my family.  I also found out that a few different people got scammed by XXXX XXXX XXXX  within the same timeframe as us. Im also been told by that very dealer that XXXX XXXX XXXX have their own people in WestLake Finance, which I assume help them scamming poor families and immigrants into their predatory landing schemes. Im currently in contact with these families and we will not hesitate to bring this case up to a full scale class action lawsuit.  Im also aware that Westlake Finance was under Administrative  processing  for multiple violation of consumer rights by Federal Credit Protection Agency (File No. XXXX
Product: Student loan

In XX/XX/XXXX I studied XXXX in XXXX, XXXX via a program through XXXX University while I was attending XXXX College XXXX in XXXX, IL as an XXXX student. I was awarded a certain amount of student loans to make this trip possible, in particular a federal grant ( not a loan ) that amounted between $ 5,500- {$5600.00}. Because I was not attending XXXX College for the XX/XX/XXXX XXXX due to my study XXXX program, these monies were applied to my study XXXX trip. I was later toldby the financial aid office at XXXX three months before my XX/XX/XXXX completion date that the grant to the amount of {$5500.00} was reapplied to my XX/XX/XXXX XXXX semester without knowledge. I never signed or made any written or verbal agreement with XXXX College, nor did my parents, to reapply funds from my study XXXX program to my XXXX program. XXXX College then attempted to tell me because they reapplied those funds without my knowledge or permission that I was now responsible in paying them back {$5500.00} because of adecision the financial aid office made without my knowledge or permission or that of my parents. I will not be held financially responsible for the poor decision making by XXXX College XXXX 's financial aid office. The financial aid office waited to inform me of this debt before I was set to complete my degree in order to impede me from receiving my diploma in an attempt to force me to pay more monies than I owed and force me into taking another semester of courses as they would not transfer my credits from my study XXXX program because of the debt they claimed I owed. 
I want confirmation in writing that XXXX College XXXX is responsible for the {$5800.00} debt and that it will be removed from my credit report and that I will not be held responsible for paying back any portion of this debt I did not incur.
Product: Money transfer, virtual currency, or money service

Someone impersonating cash app platform offering loyalty bonuses through link sent via text message requesting personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent my initial dispute letters to you. Requesting you validate the information on my credit report and to DELETE the items that you can not validate. You failed to respond to that letter when USPS tracking shows you received this letter on XX/XX/2020. Tracking # XXXX In that letter, I included a copy of my ID along with a copy of my social security card. You had the audacity to send me a letter asking me to send in documents to verify my identity. which I did already. 

I sent you yet again, another letter saying you failed to respond to my initial dispute within the 30-45 days and sent you another letter on XX/XX/2020 stating since you failed to respond to my first request within the 30-45 you must delete any information you are not able to validate within that time frame. In this letter I sent you a copy of my original letter ALONG WITH a copy of my ID and my social security card. 

STILL you have the audacity to send me the same letter on XX/XX/XXXX requesting a copy of my ID and social security card, when I had send them to you in BOTH my previous letters. 

I then sent you another letter stating everything I have sent you before, and what you have sent me in return, even though I have been sending you a copy of my ID and social you still are sending me the same letter asking me to submit that information. In that letter I stated you have been using stall tactics to disregard my dispute by asking for my ID and social when they have been sent to you MANY times before with ALL of my letters. This was the THIRD letter I sent you regarding an investigation into my report. I stated in my last letter that I am keeping record of everything I have sent you and you've sent me. I let you know that failure to comply with federal regulations with credit reporting agencies are a serious violation of the FCRA and that I would not hesitate to report you to the CFPB so here you go. 

I sent you this third letter and you STILL SENT ME THE SAME LETTER ASKING ME FOR MY ID AND SOCIAL SECURITY CARD!!! when I already have.
Product: Credit reporting or other personal consumer reports

This is a creditor I previously contacted you about named Camacho Auto Sales but now theyre appearing to be reporting on my credit an account I had the state attorney look into and have closed but theyre using a different name called King Of Credit Financial this is the same company harassing me using the same account to bring down my credit which in turn is keeping me from being able to support myself.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, incomplete and not adhering to compliance standards. According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Equifax have on file for me doesn't match what's listed, then there are problems with either Equifax records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Equifax must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. Therefore, this account must me removed from my report.
Product: Debt collection

Nationstar Mortgage LLC dba Mr. Cooper XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Demand for Debt Validation and Proof of Legal Authority Notice To Agent Is Notice To Principal ; Notice To Principal Is Notice Agent This correspondence serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. You are hereby directed to cease and desist all collection activity related to any alleged debt you claim XXXX XXXX owes until proper and lawful validation is provided. Additionally, I am documenting and reporting what I believe to be harassing, coercive, and potentially unlawful conduct by your agent XXXX. 

On XX/XX/year>, at approximately XXXX XXXX, an XXXX identifying himself only as " XXXX '' arrived at my private residence, claiming to represent Mr. Cooper. The agent stated that an alleged mortgage was transferred to your company. However, the agent, XXXX refused to provide any identification, business card, or documentation to confirm his affiliation with Mr. Cooper, nor would he explain his legal capacity or authority for this visit. When asked to verify who he was, he became visibly hostile an act that I interpreted as intimidation. 

This unprofessional and aggressive behavior is wholly unacceptable, and it violates the FDCPAs prohibition against conduct that harasses, oppresses, or abuses any person ( 1692d ), including but not limited to : Unlawful in-person visits to a consumers home Refusal to identify oneself or confirm agency authority Let this serve as formal notice that Nationstar Mortgage LLC dba Mr. Cooper, XXXX nor XXXX assignees or third parties has no valid perfected interest, authority, or enforceable right to collect or act on any alleged debt unless and until the following are provided in writing : XXXX full and verifiable chain of title and assignment for the alleged debt, showing clear legal authority to collect or enforce, from the original alleged lender through all interim transfers to Mr. Cooper.

2.Proof of possession and control of the original note and security instrument.

3.All indorsements, allonges, and transfer documentation, including those allegedly furnished or authorized by XXXX XXXX XXXX XXXX previous holder, that establishes a lawful and properly executed transfer under the Uniform Commercial Code ( UCC ) and relevant mortgage assignment law. 
4.A complete validation of the debt, including the original agreement, the amount owed, and an accounting of all claimed charges.

5.A True and complete Forward Flow Agreement Until such proof is furnished, I am exercising my rights under 15 U.S.C. 1692c ( c ) to demand that you cease all communication and collection efforts immediately. You are not to call, visit, email, or otherwise contact me except to provide the requested documentation.

Failure to comply within 30 calendar days will result in all legal remedies including civil action for damages resulting from your violations of federal and state law.

You have now been put on notice. Cease and desist all activity unless you are able to lawfully validate your claim and authority. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I finalized the loan online and then called them and verified my account and now when I call and I give them all my information, their response is that they cant find my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested Chase to wire {$86000.00} to my mother 's bank account with XXXXXXXX XXXX in XXXX. Chase withdrew the funds on XX/XX/XXXX, but has not yet delivered the funds to my mother 's bank account with XXXX XXXX in XXXX. ( The bank account information I provided to Chase was correct, so that can not be the problem ) When I contacted Chase bank to follow-up on the transact, I was told the funds have been " stuck '' between XXXX XXXX in the US and XXXXXXXX XXXX in XXXX, and they can do nothing about it. My mother has followed up with XXXXXXXX XXXX in XXXX, and they advise that they have not received the funds from Chase bank. 

It is now 1 month after I initiated the transfer, and I do not know what to do about this? Chase are being completely unhelpful. Please can you help me. My family really needs the money that Chase has lost or is sitting on ...
Product: Money transfer, virtual currency, or money service

I purchase a vehicle online from CARVANA on Sunday XXXX. They sucked the money out of my account today ( XXXX ). I was supposed to pick it up on the XXXX. I was going to upload insurance information but when I got on the app to upload insurance, any record of the sale is gone! The contract I signed, everything vanished including {$190.00} and {$41000.00} from my bank account. I texted with someone who said the sale was cancelled system error, sorry, he wrote he put in a refund request ticket for me. XXXX banking said the ACH is pending and can not be stopped. What kind of business practice is this? Who knows when or if Ill get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent information appearing on my credit reports multiple times with XXXX and they sent me letters stating they will not investigate. 

The fraudulent information is : XXXX {$2800.00} and XXXX XXXX XXXX  {$6000.00} I disputed fraudulent information appearing on my credit reports multiple times with Transunion and they sent me letters stating they will not investigate. 

I have included a copy of my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that this account was properly re-investigated. Yet, they refused to provide the full disclosure that I requested per my rights via the Fair Credit Reporting Act. They sent another vague, verified letter, and supervisors refused to disclose the info used in their re-investigation. How was a proper investigation conducted when this random charged-off account now reflects an altered open/active status XXXX 2022? ( confirmed with multiple Transunion special handling supervisors ). TransUnion removed the " Date Closed '' section from the recent verified results letter. I have all proofs. This is grounds for removal as they violated my rights according to : 15 U.S.C 1681 A - definition ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 804 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

No payments were ever made to this creditor in accordance with their reported charge off date. Closed charged-off accounts can not be re-opened. Bureaus and creditors can not use illegal tactics to negatively effect my score twice to intimidate me into validating a random debt with payment. XXXX and XXXX have deleted this erroneous account. Please have Transunion follow through with deletion.
Product: Checking or savings account

I was fraud for XXXX  thru my debit, my bank stopped 1 charge but didnt not stop others and trying to get Bank Of America to reverse the charges and they wont how can a bank say they have zero liability for their customers on fraud charges and wont work with me the reasons Im getting are they didnt drain my account, I had to have authorized them. Ive filed reports with both the FBI and FTC online in XXXX and still waiting to hear back. I also had a fraud for XXXX and XXXX trying to purchase a XXXX vacation. I believe both were related to each other. Please I need help. Im supposed to be taking the XXXX to XXXX XXXX on XX/XX/XXXX but looks like I have to cancel since the bank wont work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding Experian 's handling of incorrect information on my credit report. On XX/XX/XXXX, I initially contacted Experian to address the following inaccuracies on my credit report. Despite my initial contact, Experian has not responded to date. Below, you will find the details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7000.00} The account listed above was never late. Please correct/update this inaccurate information on my credit report. 


Account Information : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} The account listed above was never late. Please correct/update this inaccurate information on my credit report.