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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report.
Product: Vehicle loan or lease

XXXX XXXX, XXXX through their subsidiaries leased me personally for 4 years and than sold me the same vehicle with defective drivers side air bag knowingly prior to sale which is against the law since the air bag is an essential part of the vehicle that may cause XXXX ( at that time air bag of that type already caused XXXX  of approximately 10 people ). I purchased the vehicle from Mercedes-Benz of XXXX XXXX, XXXX Virginia on XXXX XXXX, XXXX I found out about the defect on around XXXX XXXX, XXXX from Mercedes-Benz of XXXX that refused to service my vehicle and demanded to leave their lot immediately since they did not want to be liable for possible death of their customer or employees due to defective airbag. I tried to Contact Mercedes-Benz Financial that I had a contract with, Mercedes-Benz XXXX XXXX XXXX and Mercedes-Benz of XXXX. Every time XXXX more than 20 attempts totally ) I was refused any service of the defect or return of the vehicle. I asked all of those entities to take my request seriously since driving the vehicle in given conditions is like sitting in front of the loaded firearm pointed at my head. Nevertheless, not a single individual in Mercedes-Benz company took my request about repair seriously. Instead They posted {$47000.00} loss on my credit report since I refused to pay for the vehicle that I could not drive. Finally on XXXX XXXX, XXXX the attorney of Mercedes-Benz agreed to accept the vehicle back. I took it back to Mercedes-Benz of XXXX XXXX where general manager XXXX XXXX refused to issue me any kind of paperwork stating that I actually returned the vehicle that would serve as a proof of relinquishing ownership of the vehicle. The whole experience with XXXX XXXX caused me an enormous amount of emotional distress and damage. Also, caused me more than {$100000.00} in financial damages. 
I would estimate my total emotional, financial and damages in respect to punitive aspects of the nature of this conflict to {>= $1,000,000}. 
I expect XXXX XXXX be held responsible. 
XXXX XXXX XXXX, XXXX, VA XXXX
Product: Debt collection

I received the attached communication by US Mail on XX/XX/2022. The collection agency is attempting to collect debt that is not owed by me or anyone known by me. In the attached correspondence, the collection agency threatens to report me to the credit agencies, damaging my credit. I attempted to call the company at the number provided, but a recorded message stated no one was available to take the call. As I am not involved in the debt or the property the debt refers to, I do not wish to give the collection agency any of my personal information, and I want them to desist from contacting or harassing me.
Product: Mortgage

extremely hard getting touch with actual person Very lengthy process in getting the loan reworked Hidden fees we were not told about Payments not being processed on the website. It showed it processed and a week later no payments shown or processed from my bank not applying payment if not an exact payment amount, just holding while interest is added to loan. 
Extremely long on hold times on calls, possibly on purpose or they say they will transfer you and it goes back to hold or even worse tranfer you to someones voice mail and it says their voice mail is full. 
Does not let you pay extra principle on the website Very outdated information on the website Honestly just looking for a more reputable company. We did not choose shellpoint XXXX loan was tranfered to them during banruptcy. Feel as tho they take advantage of lenders when they do not have great credit. 
I am sure im missing additional items, Most important to me is to get the word out Shellpoint mortage services is a terrible company to deal with and people should be informed of it, XXXX XXXX
Product: Checking or savings account

Yesterday I logged in to the Chase bank website to my checking account.I live in XXXX and my account is the XXXX completed a wire transfer of {$1100.00} to anotheraccount in XXXX .a few minutes later i got a call from the bank to verify it was me, they verified my identity and then asked me 3 security questions based on publicrecords from 20 years ago ( i lived in the XXXX XXXX that time ). I failed to answer some questions, for example " what was my land linenumber .. '' .They told me that they will cancel the wire transaction and blocked my account. 
Now, they told me to call XXXX XXXX option 2.Long distance call, wait for XXXX minutes, again have to go through XXXX questions from public record 20 years ago. and failed again for XXXX more times, spent XXXX hours on the line. 
I called the bank fraud line and explained that i can not access my account and if they keep asking me questions from 20 years ago i will fail over and over. They suggested that i try one more time and XXXX knows how i passed the test. they activated my account and initiated the transfer again, with a special note to approve it. 
XXXX minuteslater i got email notifyingthat the wire transfer was canceled and that i need to XXXX XXXX option XXXX. 

I do not know what can i do, my account is blocked because of my actions, the bank procedures protects the bank but ignores the customer.. and no one in the bank can help stop this catch XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I, XXXX XXXX XXXX received a negotiable instrument/draft, ( hereafter known as a " check '' ), for {$3000.00} from XXXX XXXX XXXX XXXX The check was assigned from the BB & T bank which falls under the Truist bank corporate umbrella. I went to the Truist bank at XXXX XXXX XXXX XXXX XXXX XXXX, MD. I put my signature and attached a reservation of rights on the check ( see attachment 1 ) per Uniform Commercial Code Article 1 Section 308 ; previously U.C.C. 1 - 207 ( see attachment 2 ). I preceded to cash the check when the teller informed me it would be {$8.00} fee. When I informed her that I had reserved my rights on the check, the branch manager, XXXX XXXX, ( hereafter known as the " manager '' ), approached me and asked what the problem was. I informed her that I was there to cash a check, which by law is a draft/order from the account holder to the bank, to pay the bearer of the check the amount stated unconditionally upon demand, and that i should not have to pay a fee because company policy is not law ( see Attachment 3 ). I further informed her that without full disclosure of bank fee policies on the check, charging a fee in lieu of a reservation of rights is paramount to fraud. The manager stated incorrectly " it is not fraud! '' I explained to the manager that i would not pay the fee and that i would be filing a complaint.
Product: Money transfer, virtual currency, or money service

I currently bank with Wells Fargo. On around XXXX on Wednesday XX/XX/XXXX I received a call from XXXX with a Wells Fargo caller ID, which is a legitimate Wells Fargo number. The representative informed me of supposed fraudulent charges. However, these were scammers who somehow spoofed the number. In a panic trying to stop the fraudulent charges the scammers tricked me into sharing personal information to verify my account ( last 4 of social, debit card number, debit PIN number, DL number, one-time-passwords ). The scammers used this information to continue submitting fraudulent charges. Looking back its hard to believe I fell for this but it was a legitimate Wells Fargo number. They then claimed to have cancelled my debit card and were working to refund the charges and would call me the next day on Thursday XX/XX/XXXX. I woke up the next morning and saw another fraudulent charge come through. Questioning how another charge could come through after my debit card was supposedly canceled I called Wells Fargo myself who informed me that the representative I spoke to did not work for Wells Fargo ( and then actually cancelled my debit card ). The scammers stole a total of {$7800.00} from me using the wire transfer services of XXXX XXXX XXXX. It was a very elaborate scam as they knew a lot of information that I thought only my bank could know including the exact amount of the fraudulent charges ( because they were making them ) and my checking account balance. After all of this I submitted a police report and filed a claim with Wells Fargo for the fraudulent charges. Wells Fargo temporarily credited my account while they investigated the claim. Today on XX/XX/XXXX Wells Fargo reversed the credit and denied my claim. When I called to ask for an explanation they would not provide one and simply stated my claim had been denied. I have ample evidence to prove this was fraud and Wells Fargo was unwilling to help in the slightest. Wells Fargo told me to take it up with XXXXXXXX XXXX XXXXXXXX who were also unwilling to help. This is clear cut fraud and Wells Fargo should be reimbursing me. If they refuse then it should be XXXXXXXX XXXX XXXX. The money was sent to people I have no connection with in different countries. I would greatly appreciate help in getting these funds returned, Im not sure who else to turn to.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX should be removed from my credit report entirely!!
Product: Credit reporting or other personal consumer reports

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I received a notice from a fraud detection service I am a member of. ( XXXX XXXX ). They showed that I was turned in by USAA Bank for " being over the limit '' on my credit card with them. Since I had scheduled a payment to be made the prior week before the stated " Due Date '' in XXXX, I went in to check to see why USAA did not process my scheduled payment. I have had several intermittent issues with USAA processing my payments over the past few years - some with credit cards and some with premium payment for insurance. Each time I notified them of their problem, but no fix has ever been initiated by them to my knowledge. Once I saw this notice from XXXX, I went into the USAA website to see what the problem was. Again, they did not process my scheduled payment causing this " over the Limit '' issue. I immediately made ANOTHER payment. This time it was processed. The date was XXXX XXXX. The XXXX notice and information passed along to XXXX ( and perhaps other credit reporting agencies ) stated falsely that on XXXX XXXX, my account was " over the limit. '' On XXXX XXXX, I went back into the XXXX account to make sure the supplemental payment I made showed up, as it did on XXXX XXXX. It was there on XXXX XXXX and I made a screen shot of the USAA information posted. USAA provided reports to the credit reporting agency ( ies ) that stated I was " over the Limit '' on XXXX XXXX, XXXX, even thought their own documentation showed otherwise. I notified USAA to report this false report and or the few hours that my account showed being " over the limit, '' provided them with the screen shot and asked them to look into my files to see all of the many other times they did not process my scheduled payments, and asked them to send the corrected and correct information to XXXX and other reporting agencies to clear up this problem they created. They contacted me after a few weeks and said that they " thoroughly '' investigated this and this was not their error. Not sure how this is possible with the facts and evidence I provided, but nonetheless this was their stance. I have along list of documentation history on the scheduled payment problems with USAA, the XXXX Report, the USAA Account screenshot that I can provide to support the statements made herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to TRANSNION with report number XXXX for allowing inaccurate and erroneous information on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account still reporting on my credit report and no further actions have been taken. I have refilled this complaint as a proof that I am sincere and focus in having the account corrected accordingly.
Product: Mortgage

I am very fustrating with Caliber home loans they are not given me the most important imformations about my property i am living in i have a child my wife we are going true a lot please help me i do n't have place to go i need time i meed they dend me the papers for modification they say they sent to me but i have n't resive nothing please help me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiry, dated XX/XX/XXXX and XX/XX/XXXX, was conducted by XXXXXXXX XXXX ; and SYNCB/TJX. 

Under 15 U.S.C. 1681b, there are strict guidelines on the permissible purposes for obtaining a credit report. I did not authorize this inquiry, and as such, it constitutes a breach of my rights under this statute. Additionally, I am exercising my right to dispute inaccurate information on my credit report as outlined in 15 U.S.C. 1681i.

As instructed by the Federal Trade Commission 's guidance on credit reporting, I request the immediate removal of this unauthorized hard inquiry. 

I have enclosed a copy of my credit report highlighting the inquiry in question, along with identification documents for verification purposes. Please investigate this matter and provide written confirmation of your actions. 

Thank you for your prompt attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX - XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed a police report and ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number 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 Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported late payment on my account however their customer service teams investigated issue and acknowledged that it was an error on their end. Bank of America promised to fix the issue last month ( XX/XX/2021 ) and yet in XX/XX/2021, they reported to credit agencies incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting some inquiries on my credit report that was not authorized by me. 
XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.