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

My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX  received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. Capital One did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, Equifax and XXXX  on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Received message and noted previous complaints closed WITHOUT resolution. Also, emails to " Executive XXXX '' being FULLY IGNORED. Documents attached, as well as original complaint ( below ) I am looking for FULL IMMEDIATE RESOLUTION - that is MY FUNDS RELEASED and distrubuted to an account of MY CHOSING, as I will NOT accept a paper check ... 

Here is original complaint ( my latest email is in next section ) : Complaint : XXXX Complaint : XXXX Since initial complaint was filed on XX/XX/XXXX, I received a email from XXXX XXXX, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response.  Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
Product: Debt collection

I became single, XX/XX/XXXX, renting a room from a person who leased a original to the city residence XXXX, he was defrauding me and did not pay the company their portion of the rent, I notified the XXXX police and FBI, he was forcefully removed from the property and agreed never to return, leaving me with squatters rights, assembly. being polite and not wanting to be evicted homeless I submitted all personal info too the XXXX XXXX XXXX. A XXXX gentleman married several times I believe perhaps was named XXXX but a XXXX gentleman by admission, came over promptly and marked down tons of historical damage running in the XXXX plus, form original broken built ins, to destroyed hardwood flooring and even prior broken windows, whether I was forced into a lease to remain their is unclear. I later provided a 30 day notice XXXX to vacate the property having witnessed a XXXX XXXX XXXX XXXX XXXX or a.k.a. from a few blocks down where I lived prior, I needed to move, having my life threatened. The office came over same gentleman also added up the XXXX in damages but said this was to protect me and knew it was n't my wrong doing. He the company rep stated not all XXXX employees were aware of the situation regarding the forceful removal of their tenant, Im also fully XXXX on Social Security XXXX Income. He stated there might in the future be an accidental bill like there is now XXXX years later, which California, does not enforce from rental companies to my knowledge regardless of formalities, the FBI has been failing to return my victim of crime inquiries, and the XXXX is also aware and involved, as I was informing to them. So XXXX stated not all employees knew and disregard a future bill now I have a collection notice and feel heavily discriminated. Let alone neglected by the white house and FBI victims of crime. Evidence continually posted on my sites
Product: Mortgage

We are waiting on a modification so that my mother and I can assume the loan. We completed the package and we did not get an answer from the company. XXXX. I have had some mail returned by the post office, like for court dates or for the Human Services Department for Medicaid or XXXX. The post office at my home is staffed by people who change every couple of months and the issue restarts, misdirected mail. I recently came back to my home and I was alerted that the mortgage is not going to honor their modification/assumption workout and instead has filed a notice of completion of briefings and demands foreclosure by summary judgement. 
We did all the company wanted, we can afford the house, we receive income, and we just made the payment, I am including the statement of the Escrow company who is taking the payments for over two years, which is really, credit worthiness to so good on the loan, however, the interest rate and the legal fees and interest that the company alleges is due make the loan so inflated! The rate is XXXX points higher than ( high cost ) the prevalent rates and my mother XXXX XXXX is dropping all her social security ( SSA ) income to make the payments at the demise of all her other bills. I was helping until I got physically incapacitated to work ( letter from doctor ) and I am better, I will be able to reintegrate to the workforc soon, XXXX. I am asking for XXXX accomodations on the issue or response, I was XXXX. Instead of reaching out to us, via mail, phone or else, the bank filed a completion of briefings and demands the court to foreclose. We are occupying the property, keeping the lights and heat and water and repairing it and maintining it and we want to keep our house, please do not let this house go to the XXXX investors, this is an owner occupied home, please help us to decrease the blight eyesores in the neighborhood that depressed values and that contributed to our inability to refinance in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX since the property was and still is underwater. we just made the payment and will include proof of that. We put the property in my name as per request of the bank so that they will grant the modification, we did all they wanted. I will include the XXXX payments I will soon receive through the division of vocational rehabilitation which I qualified for and the social security of my mother, our tANF assistance for my minor child, SNAP and all again, if they wish, current statements but keep us communicated, now word from the bank about a modification and they filed in court a completion of briefings, what is that??? Let us keep my mother and I ( XXXX and XXXX XXXX XXXX XXXX ) the home that we are living in and raising a family with minor and XXXX kids
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX OF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : 1. Submitted on XXXX XXXX, XXXX  File number : XXXX Completed on XXXX XXXX, XXXX  ITEM IN DISPUTE : XXXX XXXXXXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to drive for XXXX and was denied based on a report that was run by checkr Inc. It stated My license was suspended. I had checkr do a reinvestigation to show the updated status of my license as valid. I recieved that updated report from checkr on XX/XX/22. I've been reaching out to XXXX who keeps telling me that they have not recieved the updated report from checkr so that my account may become activated. They have escalated this issue to checkr multiple times. I have also reached out to checkr via their website also via email, via phone, via XXXX and have not been able to get a hold to anyone. Here it is another 5 days and I still have not gotten a response and nor has XXXX. This company provides no customer service or help what so ever. Now I am sitting here losing income because checkr is non responsive and had not helped with the problem.
Product: Credit card or prepaid card

In XX/XX/2021 I mailed Navy Federal Financial Group : a cease & desist, affidavit of truth, and billing error via certified mail. Navy Federal Financial Group has not responded back with a certificate of indebtedness and/or the original contract with my wet signature. I would like to resolve this issue outside of court IMMEDIATELY. If not, I WILL pursue litigation to have this issue resolved.
Product: Credit card

Paypal credit services and XXXX XXXX have done XXXX ( XXXX ) hard inquiries on my credit reports that I did not authorize. I have written letters to both companies and contacted both via mail and fax. Neither one will remove my hard credit inquiries even though I never applied for credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit with Wells Fargo Bank. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to report.
Product: Credit reporting or other personal consumer reports

I financed a car through West lake Financial and they still have yet to report it to my credit. That was the whole reason to finance a car instead of paying cash. I am trying to improve my credit and having fair and accurate reporting is needed. I have held up every end of my terms of the contact i signed with them.
Product: Credit card or prepaid card

On XXXX, make the following compliant : COMPLAINT ID XXXX Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times. 
What would be a fair resolution to this issue? I just need my money back in the credit card. 

Today I check my email and Best Buy did was reschedule another delivery I received the following message by email : APPOINTMENT SCHEDULED : Order # XXXX set for Monday, XX/XX/XXXX. In a completely arbitrary action. As I indicated in the past complaint, I am only interested in my money back. No one can force someone to pay for something they did not receive, that is stealing money from consumers.
Product: Mortgage

My ( now ex- ) wife and I separated in the summer of XXXX. I had hopes that we would get back together, and made improvements on the house and one of the vehicles we owned together. As a result, I incurred debt and fell behind on the payments with OCWEN Loan Servicing. After a point, OCWEN refused to accept any payments unless it was for the full amount past due. I contacted OCWEN several times for assistance in applying for modification or refinancing. Although a dedicated " relationship manager '' was assigned to the mortgage, each time I contacted OCWEN, I ended up speaking with a different person, and was given different information -ranging from being told my application was incomplete or that my ex-wife needed to sign a quit claim deed. It was not until this summer ( 3 years later ) that my modification was processed and approved, after I indicated that I reported OCWEN to this agency. However, the terms of the modification while offering a slight reduction in monthly payments ( approximately {$160.00} ) would financially tie my ex-wife and together for 40 more years. Additionally, the overall loan amount would increase several hundred thousand dollars. When asked if I could just resume payments under the original terms, I was told that I would have to pay the past amount due -over {$18000.00} ( an amount due in part to the accumulated effect of OCWEN not accepting any payment until previous past due amounts could be paid ). While I am now starting to be on better financial footing, I am stuck in a catch 22 position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted equifax and they told me to file ftc report and they would remove unauthorized inquiries.
Product: Checking or savings account

I have maintained Savings and several CD accounts at Ally Financial for ten years. In XX/XX/2017, without my request or authorization, someone at Ally changed the first name on my three bank accounts to a different first name ( same last name ). The name they used is not my name. The change was made unilaterally, without consulting me. I noted the error upon logging in to their website in XXXX of this year. I contacted their customer service department and explained the issue. I have now made three separate phone calls and followed up with four emails to Ally customer service. I have sent photocopies of three different forms of identification. The time I have devoted to this problem is now more than three hours. My most recent contact with the company ended when the customer service representative abruptly hung up on me.. I have repeatedly requested that someone from the company contact me and explain why the name on my account was changed. The company has still not changed the name on my accounts and no one from the company will explain to me how this happened.
Product: Debt collection

Someone by the name of XXXX contacted my brother in regards to my mom and hung up on me twice and said that i was lying and that i was my mother. XXXX insulted my brother on the phone and told him that it was non of his business why he was calling him and other disrespectful threats. He was also very sarcastic while on the phone with me insinuating i was my mother. the company name is XXXX XXXX XXXX. the phone number is XXXX. They were only able to pull us up with my moms phone number XXXX so i dont know how they got my brothers number
Product: Debt collection

I returned the equipment as requested by XXXX and the collection amount remains the same. XXXX states that they never received the equipment. However I kept a receipt from their receiving center ( XXXX contracted XXXX to receive equipment on their behalf ) where the equipment was delivered. They also can not provide a detailed bill stating why it is {$1200.00}. Most of which I am sure were not authorized by myself. Charging me for services that I did not authorize does n't make sense nor is right.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on XXXX Equifax and XXXX be removed. I have the right to Privacy and these 3 companies have tarnished my hood standing.
Product: Credit reporting or other personal consumer reports

JP MORGAN CHASE PUT A CLOSED ACCOUNT ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting closed accounts exceeding 7 years. Per the Fair Credit Reporting Act accounts exceeding 7 years must be deleted.
Product: Student loan

I have been contacting XXXX and XXXX since XXXX of XXXX trying to get payment counts, date I reached eligibility for XXXX and XXXX forgiveness, and when I will receive a refund. I have several tickets open with XXXX and XXXX since XX/XX/XXXX but no one has provided this information. Ive only received XXXX call back from a supervisor in XX/XX/XXXX who stated another ticket has been opened for review. Still no response from XXXX or XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX sent herself money two transactions XXXX dollars, and another XXXX dollars on XX/XX/2021 Reference # XXXX Reference # XXXX I did NOT approve these transactions. 
She used my laptop with all my banking information, and sent it to herself to pick up cash. These transactions went through. I need my money back ASAP. I want her to pay them back but she has now blocked me because she knows she stole from me.