23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

-Made payment western union byXXXX XXXX -Made payment XXXX checking account on XXXX XXXX.-Made final payment for XXXX on XXXX.Had a phone conversation with Ally in XXXX total due on vehicle was XXXX Now they claim. I owe over XXXX. I recieved a letterswith conflicting amounts XXXX payoff XXXX   payoff. And last payment was made in XXXX they wont send me my title to my vehicle. My credit score went to XXXX  to less than 500 in 4 months. They wont send me the recorded conversation we had in XXXX till I agree to be recorded again that I owe. Now they have sent it to asset collections. Payments were in good standing over a 6 year period. Now they are requesting additional money. All I want is my title and my credit fixed.Loan ended in XXXX  of 2019. I thought I completed payment as of XXXX 2019. Tried to rectify in XXXXl will Ally final pay off was XXXX as of XXXX talked to representatives and made payment accordingly. Now there are additional charges.
Product: Mortgage

I began an application to refinance for a jumbo conventional mortgage in XX/XX/XXXX. Bank of America. I paid for a rate lock and other fees to begin the process. Like it seems with many other mortgage providers, BofA began to show indications of 'backing out ' of any potential lending obligations with the onset of the coronavirus pandemic. However, what makes this egregious is that they ultimately stalled me for FIVE MONTHS, and reset through THREE DISTINCT UNDERWRITERS while re-charging me to restart the same process with the excuse that they 'lost the application ' and it lapsed. 
After jumping through numerous final 'hoops ' in XXXX, demanded at the last minute with little notice, they notified me of a denial late on XX/XX/XXXX. 
It is my belief that this company, perhaps like others, was so busy with their nose up the governments behind feeding on PPP business re-assigned all their underwriters to PPP business and simply dropped my application, with no intent of ever conducting this business, which is a fraud. They cost me fees, a negative mark on my credit due to the application and worst of all, a massive opportunity cost caused due to freezing a large amount of cash I did not want to put at risk during the application process. 
This is one of the most egregious cases of mal-intent I have ever experienced at the hands of a bank, and someone needs to be looking into the practices at BofA and how they have conducted themselves with similarly situated customers. 
I have millions of dollars in net assets with the bank for years. There was no reason for this. Furthermore, they could have easily made a negative determination within a month or two if there was a justification. 

The people I interacted with were XXXX XXXX XXXX Cell Bank of America NMLS # XXXX XXXX XXXX XXXX Mortgage Loan Coordinator E/P NMLS ID # XXXX
Product: Money transfer, virtual currency, or money service

I recently tried making a purchase through a private individual who offered me to adopt a puppy. Many texts, pictures, videos, and even phone calls were exchanged so this person went above and beyond to make me feel safe and secure. He even told me he was a XXXX and a family man so that he would never ever be able to do something so cruel as to scam me. In order to make a more secure transaction after thinking it was connected to a bank account, we ended up using XXXX as a form of exchanging currency. In order to use XXXX I went ahead and logged on to my mobile banking app and went ahead with the exchange. A couple of hours later and after multiple attempts to reach out to this person, I contacted Wells Fargo to see if this could be cancelled or if anything could be done. I filed a claim, contacted them again the next morning, and after waiting for about 2 hours to be helped Wells Fargo told me there was nothing they could do since it was with a private seller. I offered to provide any type of proof or documentation I had including pictures and screen shots but they said they wouldnt even start an investigation. My XXXX transaction ended up totaling {$500.00} and the other transaction made through XXXX to the same seller was of {$350.00}. XXXX however didnt even provide a customer support option. There was absolutely no way of even speaking to someone who can tell me they would even try. Its extremely heart breaking to see how someone can be so cruel to trick others like this, but its even more heartening to know that a bank Ive been with for almost my entire life wouldnt even help me or provide support with something so unfamiliar and cruel such as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and to whom this message may concern, The credit bureaus ; Transunion, XXXX, & XXXX stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX XXXX XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

TransUnion has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

XXXX received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue XXXX or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.
Product: Debt collection

First, I received a robocall from XXXX - the name was XXXX from ARS asking to speak with XXXX XXXX. I blocked the call and then the company proceeded to send a text message from the number XXXX that states '' This text is from ARS. XXXX XXXX XXXX we need to speak with you pertaining to a legally required notice sent to your address. Please call XXXX to discuss your case and refer to File # XXXX while calling back. Thank you. '' I responded for them to never contact my number again. This was at XXXX on XX/XX/2021. Then at XXXX, I receive the same text message from the same phone number. After asking them to never contact me again, they defied my request and continued to contact. 

Now they are starting to call my office phone. They called from XXXX on XX/XX/2021 and left a voicemail stating that I or my lawyer needed to contact them at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters of in XXXX XXXX my Tracking numbers are for Experian XXXX, XXXX XXXX XXXX and XXXX Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 
They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
list of Accounts see the attachments of accounts than need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and these inquiries listed on the report were never authorized by me. I tried reaching out to the credit bureau and they say that they can't help me to remove, but this is something i never authorized. Inquiries are XXXX  XXXX, XXXX, XXXX  and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened I am a victim of identity theft. 
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX. 
XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), XXXX an auto loan account opened at XX/XX/XXXX XXXX under the account number ( private ), 3.a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and 4. an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$45000.00} ( private ) that appears related to the aforementioned XXXXXXXX XXXX XXXX  account opened at XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX {$1100.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of 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 am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my TransUnion, XXXX and XXXX  reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Product: Mortgage

I was behind in my payment due to ill health and I was advised to apply for a loan modification by XXXX XXXX/XXXX  XXXX who had my mortgage. Soon as I applied, the mortgage was transferred to Fay Servicing LLC. which claimed not have received my loan modification application. while this was going on, the loan became more than three months behind and they refused to take any partial payments. 

I pleaded that the Covid 19 Pandemic has further created a further strain but that I was ready to pay at least {$3000.00} down out of the balance of {$7700.00} if they would at least work with me or grant me some form of forebearance. 

I then contacted a Housing counselor who filed a fresh application on my behalf. As this was being reviewed, I received a letter dated XX/XX/2020 from Fay Servicing LLC. signed by one XXXX XXXX, stating that my application for loan modification will not stop any foreclosure proceedings against me. My Housing counselor, Mr XXXX of XXXX XXXX  XXXX  XXXX advised me that it is improper for Fay Servicing to proceed with any foreclosure proceedings while the loan modification was pending. Secondly, that I met the threshold for the loan modification application to be approved because I now have a surplus of over {$700.00} in income after deduction of all expenses. All these information were forwarded to Fay Servicing. 

It is pertinent that they are also reporting this loan this period as late to the credit bureaus at a time when other mortgage companies are giving a respite to their customers at least during this pandemic and in line with the policy of the Honorable housing secretary. 
I humbly appeal for your kind intervention in this matter regarding Fay servicing.
Product: Credit card

I have been receiving " 0 % for 18 months '' offers from Capital One, with whom I hold a card. This is an offer no one would take if they read carefully. After paying 3 % to use their " 0 % check '' or making a balance transfer, the rate on the entire account goes to 17.9 % if you make a purchase using the card. I think they are counting on people not reading carefully and/or not understanding the offer -- or on accidentally using the card for a purchase. May be legal, but very shifty.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXXXXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XXXX of 2024, I completed a SAVE plan and IDR application. Mohela did not review this application prior to XX/XX/year>. I qualified for the SAVE plan and IDR plan that meant I was to pay {$0.00} a month, which is exactly what I can afford. They attempted to charge me nearly {$300.00}, even though I had completed the application. It sat under review and had not even been processed, which is no fault of my own. This is a common problem with them. I can not retrieve any of my precious data since Mohela transferred payment platforms. I can not get any information from them. My payments are constantly being rescheduled and changed. This is been the worst experience Ive ever had with a student loan servicer.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. Please remove these item from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIRST WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA account : XXXX XXXX ( {$550.00} ) # XXXX, SXXXX XXXX ( {$470.00} ) # XXXX, XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$0.00} ) xxxxxx, XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$160.00} ) # XXXX, XXXX XXXX ( {$3500.00} ) # XXXX Late Payments : State Employee # XXXX, XXXX XXXX # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, US SM BUS ADMIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  This is also completely inaccurate. 

XXXX XXXX XXXX XXXX  I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

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 XXXXXXXX Incorrect Name XXXX XXXX