23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DEMAND FOR CERTIFICATION OF ACCURACY & LEGAL COMPLIANCE I am demanding the immediate certification of accuracy regarding any and all information reported about me by Early Warning Services. I have never granted consent or authorizationeither explicitly or implicitly, for my personal, financial, or consumer data to be reported, shared, or disseminated in any manner. Any transmission of my information without my direct, documented consent constitutes a blatant violation of federal law. The information below is frivolous and needs to be removed, I have never authorized these alleged accounts. 
1.Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX 2.Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account
Product: Credit card

Hi, my name is XXXX XXXX. I got approved for the Citi XXXX XXXX card on the beginning of XXXX. However, the carrier never shipped the card ending in XXXX to me and delivered to somewhere else. The card was misused for several charges on XXXX and XXXX which cost over XXXX dollars balances. I disputed these transactions XXXX weeks ago but citi is not really helping resolve the issue. The balances are still there. No information provided. No time frame. Just want to quickly get the frauds out of my card. I attached the statement below. All shown transactions are all fraudulent because I have never received my new card. I do not even have a chance to use the card. Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my personal information on Experian. Upon checking I realized that there was a address mistake. They have XXXX addresses on my file. One says XXXX XXXX XXXX XXXX ca XXXX. And one says XXXX XXXX XXXX XXXX ca XXXX. The second one only has one number XXXX in the street address. So I filed a dispute that my information was wrong. Experian then gave a status that they updated the information. However everything was the same on the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX with the credit bureaus XXXX, Equifax, and XXXX -Which two of them ( XXXX AND EQUIFAX XXXX confirmed the public record was verified by the court. I asked XXXX and Equifax to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My educational loans are showing closed or transfered when they're not on the reports.
Product: Debt collection

The person calling me from this number ( XXXX ) made threats to me over the phone. They asked me for my social security number, a bank account number, and birth date, and when I asked for them to mail me documentation in the mail, they refused. I feel very uncomfortable with their process and the fact that they had my personal information. I would like this to be investigated. 

This is the website for their company that they gave me : XXXX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened file # XXXX with XXXX with XXXX XXXX ( representative ) on XXXX @ XXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which XXXX is refusing to do anything about : 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 

I Also requested that he review the document, I mailed to him about XXXX which XXXX is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with Experian, XXXX, and XXXX, which I've done multiple times. So XXXX, Experian, and XXXX in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.
Product: Vehicle loan or lease

On XX/XX/2024, I purchased a vehicle from XXXX TX, XXXX. During the transaction, several significant issues arose, leading me to believe the contract was executed under unfair and deceptive practices : Misrepresentation of Payment Terms : The down payment amount was discussed as being between {$2000.00} and {$4000.00} during text message exchanges with the sales representative. However, I was charged {$3000.00} at the point of sale, which was not clearly communicated beforehand. 
The monthly payment was vaguely described as a " low {$500.00} payment, '' but the final amount was {$460.00} for 72 months. The exact payment terms were not disclosed until the point of signing. 
Failure to Disclose Finance Charges and Use of High-Pressure Sales Tactics : The interest rate of 24.10 % and a total finance charge of {$15000.00} were not disclosed during the negotiation process. These terms were only revealed at the point of signing, where I was pressured to complete the paperwork quickly. 


The documents were signed late in the evening as the dealership was closing. The rapid succession of signatures, combined with the late hour, created a high-pressure environment in which I was not given sufficient time to review the terms thoroughly. 
Pre-Population of County Selection : The `` County of Title Issuance '' form was pre-populated with XXXX XXXX without my input. I was not given the opportunity to select the appropriate county for title issuance, which is required by law. 
Unjustifiable Denial of Credit and Predatory Lending Practices : Violation : The high-pressure tactics used to finalize the contract and the lack of transparency about the finance charges and terms may indicate predatory lending practices. 

Applicable Law : Texas Predatory Lending Law, Texas Business and Commerce Code 2.302, and the Uniform Commercial Code ( UCC ) require transparency and fairness in all credit transactions. Contracts signed under duress or under deceptive practices are voidable under Texas law. 

Undisclosed Additional Charges : Charges for a Service Contract ( {$2200.00} ) and Appearance Protection ( {$640.00} ) were added to the final amount financed without proper disclosure or my explicit consent. 
Excessive and Undisclosed Documentary Fee : A documentary fee of {$150.00} was included in the transaction without clear disclosure. 
Due to these issues, the contract was executed in violation of federal and Texas state laws, including the Texas Deceptive Trade Practices Act ( DTPA ) and the Truth in Lending Act ( TILA ). I am seeking the rescission of the contract, a refund of my {$3000.00} down payment, and the removal of charges related to the additional products. 

These practices have caused significant distress, and I request prompt resolution to avoid further action. Due to the excessively high interest rate of 24.10 %, I am unable to afford the monthly car payments. This financial burden has also led to my denial of employment opportunities, further exacerbating the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

Experian- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

XXXX is reporting the collection account as a collection, last active date XX/XX/XXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late XXXX  days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections immediately.
Product: Mortgage

Select Portfolio was a 2nd mortgage on a rental I owned. The rental sold XX/XX/2021. Today is XX/XX/XXXX ... and Select Portfolio received their funds ... but are calling and sending harassing messages to me. They called and said they are sending my case to their attorney. The title company paid them off on XX/XX/XXXX. 
XXXX XXXX ( XXXX ) Please make them stop harassing and threatening me.
Product: Mortgage

XX/XX/XXXX I called and sent via email to show that we paid out of pocket all taxes. I have requested and followed up for an overage of {$2400.00} owed back to us for paying out of pocket. 
I called again on XX/XX/XXXX and XX/XX/XXXX after being told we would receive an updated analysis of our escrow by XX/XX/XXXX, never received as well as a check for reimbursement. Seemed like it was resolved. 
Our account online shows they sent us a check on XX/XX/XXXX, yet did not receive it as of XX/XX/XXXX. 

Our account shows they sent us our bills for more money and showing funds were removed and not put back into our account of {$2400.00} - tax rep from our county/township/school has sent back money to our escrow and they are not returning money back to us from our savings account we borrowed from. So we are not out over $ XXXX due to bank keeping funds. 

I spoke to XXXX on XX/XX/XXXX who said this would be resolved and sent out analysis corrected and saw as well we were sent a check? Never got it it was never sent. 

I called again on XX/XX/XXXX to be told by XXXX that they are keeping the funds into our account. 
there have been a one or two other calls called by my husband as well. 

We are getting a run around over money kept in excess in our escrow well over the amounts after we asked again and again to run an anaylsis for funds needed to be paid and correct our XX/XX/XXXX payment to {$1500.00} ( + ) not {$1300.00} since they cant seem to correct our bank account mortgage. 

We have an account with the post office that shows us what mail we receive. Since that call in XX/XX/XXXX we only received two pieces of  mail the XX/XX/XXXX payment due since we now have over {$600.00} sitting in escrow for next year and XX/XX/XXXX payment due not corrected ... yet missing our {$2400.00} refund for overage of taxes we paid from our personal savings account for taxes due due to shortage in our escrow at that time of taxes due. 

I can provide copies as well showing post office and online documents received, etc ... if need be. 

It just seems there seems to be an excuse after excuse and nothing receive back to us except incorrect mortgage/escrow bills ... and money now missing in our account and told it went back into our account. I tried to log back in and now I am locked out of my account online? 

In 30 years of having a mortgage I never experienced such a run around and mess like this ... can I find another bank without points, etc..? What are my rights?
Product: Debt collection

IC System : XXXX XXXX XXXX XXXX account opened XXXX. Balance on account {$1300.00} Account was fraud, I have never opened a XXXX account under my name. Account should be listed as fraud/ improper information and removed from my credit report as I was not aware of this account.
Product: Debt collection

XXXX  a credit card was takin out in name without my knowledge the credit limit was  XXXX  $ went into default sold off to  XXXX   XXXX  holding  XXXX   XXXX   XXXX  then  to Razor   Capital LLC   XXXX   XXXX   XXXX  by the time i was aware of any of this it was   XXXX    XXXX  explanied that i did not take this credit card out found out that  someone in   XXXX  FL did this i have lived in NY my enitre life also i filed a report with the NY state Police in  XXXX  NY i have always paid my bills and credit cards in full i have perfect credit, HAD untill this
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX  ACCOUNT # XXXX DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone # XXXX XXXX XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
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
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX Email received from WF stating that I had advised Home Preservation to close my application because I was no longer interested. This is false information. I had been interacting with your Home Preservation program for mortgage assistance since XX/XX/XXXX. 

XXXX XXXX XXXX Email to XXXX XXXX notifying WF that I had applied to the MD HAF program while being considered for mortgage assistance with WF. 

XXXX XXXX XXXX XXXX XX/XX/XXXX reply opposin
Product: Debt collection

I paid this bill and the office sent me a check back. Im XXXX of 2021. I have been to the office multiple time after that appointment and they never informed me about a payment due.
Product: Mortgage

In XX/XX/2017, I was doing a modification with Ditech financial. I summited all proof of documents that the mortgage company required for the modification and even they have all court documents regarding with my divorce. I explained my situation and after of this process, I did payments as tryouts for 5 months and later said yes you qualified. 
But I was waiting for a later and how much I have to pay every month and I never got it. I been in a fraud, only they took my money without any answer. I did all human possible to keep my property and they only played with my situation. It is not legal even fair, I was all the time able to do my payments without answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is down due to a company called XXXX claiming I am 90 days delinquent on payment but I have no idea for what. This can not be accurate
Product: Checking or savings account

i wrote a check to charity on XX/XX/XXXX for {$500.00}. the payee never received the check. 
it was cashed on XX/XX/XXXX by someone else.the endorsement on the check does not match the payee of the check. i submitted a claim to chase bank on XX/XX/XXXX. i called jp morgan chase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inquire about my claim. claim number XXXX their response, each time was, we are waiting for the other bank to respond. 
chase should never have paid out the funds.it was their mistake.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, XXXX a repossession company came to my home and said they were sent by titlemax for my car. Although I was XXXX dollars behind on my payment. I didnt not receive any letters.phone calls, texts or emails prior to this. They said since this was my second repossession they said I had to pay the entire balance of {$5500.00}. I asked why didnt I get a Right to Cure letter either time. I was told I was sent those letters in XXXX and those would be the only letters I received for the life of my loan. I was told that I was not allowed to make payment arrangements and that I would have until XX/XX/XXXX to pay or my car would be sold in an auction. I have contacted the local office and the corporate office but neither would work out a plan with me. I dont feel like I was given a chance to bring my account current and not enough communication about the repossession.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove this item on my behalf and this is greatly affecting me and my personal life. 

XXXX XXXX XXXX XX/XX/2019 {$11000.00}
Product: Payday loan, title loan, or personal loan

On   XXXX  , my mother,  XXXX   XXXX , was approved for a loan with  OneMain Financia  XXXX . The amount of the loan was approximately {$15000.00}. My mother was  XXXX   XXXX   XXXX  at the time of application and was advised the use her vehicle to secure the loan. This was done even though at the time she was not eligible for credit life insurance due to the lender 's choice of insurance provider. My mother passed away on  XXXX  with no assets other than her vehicle. My family and I needed to find a buyer for the vehicle to cover funeral expenses as my mother was on a fixed income.     The title is encumbered by a lien from the lender. I have had  XXXX  of Attorney on my mother 's banking matters since   XXXX   due to physical and mental health issues. We asked the lender why she was not offered insurance and were advised that they do not cover borrowers  XXXX  and over, which itself seems to be a discriminatory practice. The vehicle is only worth {$5500.00} per  XXXX   XXXX   XXXX  value.     I have attempted to discuss the issue with the  XXXX  office who suggested repossession even though my family and I have not yet had time to discuss what to do with this account or the vehicle and the account is not delinquent.     This appears to be an issue of predatory lending and exploitation of an elderly and vulnerable adult. We would like to ask you assistance in requesting the lender to release the lien on the vehicle so that our buyer  XXXX  purchase the car allowing us to cover the needed funeral expenses.
Product: Student loan

I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.
Product: Debt collection

I pulled a credit report and noticed a collection from XXXX  for an account that was {$1400.00} listed. It was opened in my name from Florida, I didn't recognize the phone number so I phoned the company they gave me the address of where the service is have never lived in Florida nor did I open the account. I have since locked all ( 3 ) credit bureaus. I have the person name, address, and telephone. I phoned the company that has the collection and they sent me something that I need to do.