23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2017 I purchased a vehicle from a car dealer here in XXXX Washington, the vehicle I purchased was running great until XXXX weeks when the transmission went out doing XXXX on I XXXX. I called the dealership about it they told me that I bought the car as is nothing they can do I reported it to the finance company and they refused to take the car back and told me that I still owed them the money for the vehicle. I stopped paying them because I couldnt drive the vehicle so they sent my debt to a collection agency and I did get sued for the debt which caused me to file bankruptcXXXX XXXX  XXXX. They are still reporting that I owe the debt on my credit report still today.
Product: Credit reporting or other personal consumer reports

XXXX account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all 3 credit reporting bureaus, XXXX, XXXX and Experian and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute illegitimate XXXX XXXX accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any XXXXt accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, XXXX, TransUnion ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.
Product: Mortgage

I was assigned a single point of contact XXXX XXXX who hasn't acknowledged any of the documents we provided. There has been no steps to submit our file to an underwriter for loan modification consideration. A Sale Date was approved by the court for XX/XX/18. We have been ignored and neglected the opportunity to keep our home. There has been no correspondence updating our situation. Shellpoint Mortgage Servicing is not interested in following the rules for loan modification requests. We have evidence showing complete documents being sent without any response. We are looking to stay in our home that we can afford after suffering a medical and economic hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND A LIST OF FRAUDULENT ITEMS HAVE APPEARED ON MY CREDIT REPORTS PER SECTION 605B ... PLEASE BLOCK AND REMOVE THESE ACCOUNTS IMMEDIATELY! 

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$610.00} XXXX XXXX # XXXX {$200.00} XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXXS # XXXX {$1300.00} XXXX XXXX XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GXXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX  # XXXX {$51.00} XXXX XXXX XXXX  # XXXX {$65.00} XXXX XXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX # XXXX {$420.00} XXXX XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX  # XXXX {$200.00} XXXX XXXX XXXX  # XXXX {$610.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$140.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$150.00} XXXX  # XXXX {$65.00} XXXX  # XXXX {$51.00} XXXX  # XXXX {$1400.00} XXXX  # XXXX {$200.00} XXXX  # XXXX {$610.00} XXXX  # XXXX {$1300.00} XXXX # XXXX {$140.00} XXXX  # XXXX {$270.00} XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2018 XXXX XXXX left a voicemail on my telephone stating that I needed to contact him on that date. He gave a callback number of XXXX but his caller ID was that of the XXXX County District Attorney. His message stated that a warrant for my arrest was being prepared and that I better like bologna sandwiches. I contacted the XXXX County District Attorney and they stated they didn't have a record of me in their system and they certainly wouldn't leave a message like that on a voicemail system.
Product: Credit reporting

I am filling this complaint because I have been ignored by Experian. My request has been to be provided with documents that their company has on file that was used to authenticate and verify a bankruptcy account. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. This information does not belong to me and my continued requested for verification has not been fulfilled. 
I have contacted the county with a response that they never report to the bureaus. I 'm attaching all my requests that have been sent to Experian ( and ignored ) dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I 'm also attaching the letter that I sent to the county. Per Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. 
Please resolve this manner as soon as possible I have been dealing with this matter many months
Product: Credit card or prepaid card

ive ' had my american express card for over 15 years. my credit limit on this one card is over XXXX XXXX an amount im ' far from reaching. about a week ago, i faxed american express regarding some seven diff airline tickets at like seven diff airports withing two day window. not one signature from me verifying the charges and thats ' fine like who needs verification for that. i guess privacy concers are all talk. lem me explain myself. not once have i crossed the treshhold of my  credit limit, not once did i even come close. today i tried to use my card for a recurring cell phone bill of XXXX dollars..two or three days ago i sent XXXX XXXX on my acct balance. not once did anyone from amex call me to say hey youre late on your acct but for gods sake to have them shut down my card until i pay XXXX dollars oh then the guy goes theres a XXXX dollar late fee due and next breathe goes we didnt get payment since XXXX ... are we in XXXX yet? why does consumer finance even exist. and can you imagine how many have access to my hey i have a question since my credit limit over XXXX XXXX, if i had a sero balance and bought a XXXX XXXX dollar diamond would amex cut me off at XXXX XXXX and go, dont gove that dismond just yet, we acknowledge their credit limit not XXXX XXXX but over XXXX XXXX but until they pay XXXX dollar reaching XXXX XXXX thresh hold dont give that diamond just yet what kind ofcommerce based is this?
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXXXXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXXXXXX XXXX  | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

I already had a payment schedule for XXXX separate accounts with the same attorney firm. I paid XXXX in full, was restarting paying the other account ( which I had made a few previous payments ). I received a salary garnishment. I called them immediately to remind them that I was paying it down, that I would raise my monthly payment by a third and they said they wanted XXXX payments of {$600.00} approx to fulfill the obligation. In addition the original creditor was willing to settle for half the amount since the interest was so exorbitant but this known shyster outfit returned to the original amount. I sent a complaint to the court Law firm is : Pressler Felt & Warshaw, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  original creditor. {$1600.00} XXXX XXXX, now {$1200.00} approx.
Product: Student loan

After further review of alleged indebtedness I can not confirm I am responsible for it. Foremost, there is no record of a Master Promissory Note on file with the Department of Education. Please provide me with the original instrument, Master Promissory Note, and/or MPN with wet signature. Furthermore, every credit bureau has a different account number for this account. I will be mailing Department of EducationXXXX Aidvantage an affidavit requesting proof of obligation of this alleged debt. 

If I, XXXX XXXX XXXX, am found responsible for the indebtedness, please consider this my consent to credit my account from my deposit account via the Certificate of Indebtedness. Dept of ED/Aidvantage/Maximus never credited my account via the Electronic Funds Transfer Act with the interest they made on Treasury coupons. 

Please consider this, your opportunity, in good faith, to correct. 

I am requesting your proof that I am the obligated party to repay this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory notes printed is not proof of obligation. Please provide proof by affirming you did not purchase, or sell, the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth in Lending Act. Please cease and desist any further attempt to collect on this debt until you can validate it with the original instrument. Furthermore, if validated, please credit my account with the Certificate of Indebtedness including all principal and all past interest made from the Treasury coupon. See 12CFR Part 1026.
Product: Credit reporting or other personal consumer reports

I noticed in late XXXX early XXXX that I had inquiries on my credit report that were unauthorized/unverified. This was also around the time where I was getting my business together and was learning more of the business world. I realized that my credit score/credit report wasnt where I wanted it to be while also discovering that I had inquiries that I didnt know where there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau failed to do what my taxpayer dollars paid them to do. I filed a legitimate complaint against Transunion, complaint # XXXX. CFPB received a non-response from Transunion that did not address any of my concerns. CFPB closed my complaint after receiving this non-response. If CFPB has no authority to make Transunion do the right thing, then I would like to know why they exist.
Product: Money transfer, virtual currency, or money service

Unauthorized payment using my phone number on my PayPal account
Product: Mortgage

I have requested to speak to supervisors on several different phone calls to standard mortgage company about the accuracy of my account and requested my account balance for the mortgage to be mailed to me. I have not received the documents or a call back from a supervisor. I also am experiencing an issue with possession of the property. I have title and deed but the tax office has not switched or updated that I have taken possession of the property. The property is still being documented for taxes in the previous owners information. I took possession of the property on XXXX and it is still not updated as of XXXX that I XXXX XXXX owns the property. I was lied to at the tax office stating it takes a year to switch it is well past XXXX  and it is still not corrected. Taxes were paid by me for XXXX  and this needs to be corrected by the tax office and appraisal office. I already filed for homestead exemption for the property. XXXX XXXX needs to update the record to reflect correct ownership information for my property effective immediately. I am requesting a full investigation as to why the county has not corrected ownership and updated my home information. The previous owners have no ties to the property and they want their name off the property. Requested documents from mortgage company sent to my mailing address and a call back from a supervisor not a customer service representative from Louisiana.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party XXXX XXXX with GM Financial. Most importantly the section XXXX XXXX and XXXX XXXX Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from XXXX XXXXXXXX XXXX XXXX, I was living in XXXX XXXX of XXXX. XXXX XXXX holder on XX/XX/XXXX was Americredit XXXX XXXX. Not sure when GM Financial purchased the loan from Americredit because I was notified that there was an exchange of XXXX. Americredit never notified me nor did GM financial. My payments were XXXX starting XX/XX/XXXX. Americredit is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from Americredit on that credit report dated is XX/XX/XXXX Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX GM financial XXXX XXXX XXXX XXXX Texas XXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. GM financial is not licensed in the state of California.
Product: Mortgage

We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from Beneficial without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said Beneficial there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however Beneficial gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When asked whether or not my personal data stored at Equifax was compromised in the security breach of XXXX, Equifax refused to give an answer. I supplied my name, address, date of birth, and SSN with my request as per FCRA rules. Equifax 's refusal demanded both proof of identity and proof of address as a precondition to accessing my file. 

15 U.S.C 1681g entitles consumers access to their own files. The conditions of disclosure are written in 1681h, which requires " that the consumer furnish proper identification. '' The FTC has determined that an SSN constitutes " proper identification '' ( https : //www.consumer.ftc.govXXXX XXXX 

According to my records the fax number for Equifax is ( XXXX ) XXXX. I tried to transmit a fax to that number and their fax machine refused, which caused the error " connection refused '' to be reported back to me. This problem has increased my cost of correspondence, as I had to post a letter. 

Equifax breached its obligations under 15 U.S.C 1681g when they denied my access request. The denial is therefore legally actionable. Please act to bring Equifax into legal compliance. 

Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, XXXX different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were XXXX XXXX XXXX and XXXX XXXX.
Product: Vehicle loan or lease

I bought a truck with Toyota and the loan came from Toyota financials. I have always pay ahead to have the truck pay sooner but from the beginning if I enter any additional amount it will not go to the principal of the loan but only to the adding of the months so that place my acct a year ahead of payment but it was not reducing my principal. After talking to them they advice me the only way to get the totals reduce from the principal is to send money order or check with the acct # and stated principal only. Witch I did I have send four money orders with the info on them and specifically stated to place on the principal. But now I do n't see my balance going down but is the same and the posting on there is almost two weeks difference every time I talk to them there is always an excuse or that the percentage is correct. I have paid more then XXXX XXXX dollars and they are still keeping the interest no matter the total being lower and my payments are not being posted correctly.