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

Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 'S XXXX, XXXX XXXX XXXX, XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

The bank deducted money out of my checking account without permission and applied it to the loan. Ive had the loan for a few years ago and there was never any authorization for auto deduct, and I never spoke to anyone deduct to deduct the money. I want them to stop doing that without my permission in case I dont have enough in the balance to pay other bills and they bounce my account
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT : SYNCB/JCPENNEY  Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. 
I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' SO HOW IS XXXX STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? 
PLEASE FIX THIS ISSUE IMMEDIATELY.
Product: Debt collection

Helvey & Associates is a third party company that purchased a debt that I owed to XXXX XXXX  for the amount of {$1100.00}. However according to NMLS they are not licensed to collect in the state of South Carolina. In addition I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
Product: Credit card or prepaid card

A negative balance was incurred on the credit card ( i.e. XXXX took money from my checking account and drove the credit card balance below zero, in effect overpaying off the credit card by an amount of XXXX. Then a service charge was unexpectedly incurred, effectively taking a portion of the money the bank owes me from a value of XXXX to XXXX. So in effect Bank of America utilized a service fee to negate the fact that it functionally owes me money ( since their automatic payment service transferred money from a checking account of their competitor 's to themselves ). In summary, BOA siphoned money from a checking account to pay off a credit card sitting at a balance of XXXX, then is negating their error by charging service fees to return overall balance to XXXX. In common sense terms, if deliberate, it's petty theft. If in error, it's a terrible mistake.
Product: Debt collection

Pursuant to the Truth In Lending Act, there is Criminal Liability for willful and knowing violations. CIG Financial admits to theft ( referring to this act as repossession ), as well as demanding cash payment on an open end consumer credit transaction. Ignorance of the Law does not permit corrupt behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax for some apparent reason will not remove old accounts, and liens fromy credit report, they have negative accounts on there such as XXXX XXXX XXXX, and XXXX XXXX repossession that is over 13, and 9 years old, they have a XXXX XXXX account on my credit 5hat they were supposed to remove, 5hey still have not done that, the bureaus policy is negative information gets removed after 7 yrs, it is beyond that and they still have not touched it, after speaking on the phone with a rude representative that stated they will not remove the items, they also have a federal loan on there beyond 8 years they have not removed yet, everytime I try 5o file a dispute they block me from doing it by saying " Dispute Not Available '' .they do this purposely in effort to keep negative information on my credit even if the items are years past the statute of limitations for credit reporting I have attached evidence to this claim and hopefully the CFPB can enforce the laws of fair credit reporting to the equifax credit bureau
Product: Credit reporting or other personal consumer reports

To Whom it May Concern I, XXXX XXXX, received a confirmation letter from XXXX XXXX XXXX XXXX on XX/XX/year> stating that the car loan was paid in full. I checked my XXXX consumer file and Experian consumer file and noticed in accurate reporting. XXXX XXXX XXXX XXXX is reporting to the consumer agencies that the account was charged off when the account was paid in full. I have provided a copy of the letter received from XXXX XXXX XXXX XXXX, the clear title to the vehicle, and copies of the inaccurate information being reported to the consumer reporting agencies. I filed a Consumer Finance Protection Bureau complaint ID XXXX on XX/XX/XXXX of 2023 and received correspondence from XXXX  XXXX XXXX XXXX stating they will research this matter however this issue was never resolved. XXXX XXXX XXXX XXXX is attempting to collect extensions of credit by extortionate means by inaccurately reporting and sending false statements while causing damage to the consumer 's reputation ( 18 U.S. Code 894 ). XXXX XXXX is a victim of financial fraud due to XXXX XXXX XXXX XXXX  omitting the fact that my application funded the consumer transaction. The Uniform Commercial Code 9-210 states I the consumer have the right to request full accounting of my account if I have a security interest. I gave XXXX XXXX XXXX XXXX an application, ( 12 U.S. Code 412 ) which became a security for the corporation that I have equity and interest. Please be advise that my estate is prepared to complete Internal Revenue Service forms ( 56, 56F, 3949A, 211, 1099C, 1099-OID ), along with a notarized copy Revocation of Power of Attorney but this the final opportunity to update the consumer reports to reflect the accuracy of the mentioned account.
Product: Mortgage

I was scammed and sold into a predatory loan product, completely lied to about the " discount points '' being offered to me by Rocket Mortgage. I was told the discount was being offered " by the company '' when in fact it was a discount point buydown coming out of my own pocket. 

My FHA loan had reached 80 % LTV and the PMI was falling off on it's own as well. I lost equity in my home, I lost years I paid on the loan and I was sold a product that has nearly put me house poor. 

I attempted to deal with Rocket Mortgage and they basically told me that I fell for their sales pitch and too bad so sad. 

I am currently in the process of refinancing this horrible loan again just about XXXX months later simply to escape this horrible company and predatory loan.
Product: Bank account or service

My checking account was closed with no reason. Charles Schwab refused to provide an explanation as to why my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are various inquiries on my account that I did not approve/ authorize.
Product: Debt collection

PORTFOLIO RECOVERY ASSOICIATES, LLC ACCT : XXXX OPENED ON XXXX 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesn't provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). I'm also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, through a 3rd party monitoring service ( XXXX ), I was notified of a 41 point drop in my credit score within a week. I was shocked by the magnitude of the drop as there was no reason for the drop in my score. Please consider the following facts : No accounts opened/closed during this period No new hard enquiries No missed/late payments No derogatory remarks. 
The only change during this period was a {$25.00} payment made by my wife on her XXXX XXXX credit card. I am an add-on member for this account. The strangest thing is that there has been no impact on my wife 's credit score while mine went down by 41 points. 
I got copies of my credit report at all 3 credit agencies ( dated XX/XX/2020 ) and there are no adverse changes. 
After obtaining the free credit report, I called Transunion on XXXX XXXX to resolve the issue. They confirmed there are no adverse changes to my credit report but refused to share my score. Despite repeated requests they were unwilling to share the reason behind the massive 41 point drop in scores. They refused to share my score with me. The Transunion representative tried to coerce me to sign up for a paid credit monitoring service and said they would not share more information unless I did so. 
I want to file a complaint against this arbitrary, unfair behavior by Transunion. Based on the sequence of events, this seems to be an attempt to unfairly tarnish my reputation as a responsible borrower. Given the company 's response, I strongly suspect that I am being discriminated against by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$3200.00}
Product: Debt collection

on XX/XX/XXXX I was contacted by Niagara central revenue XXXX about a debt owed in my name. I asked for basic information such as their name and address, my original loan information and all of the associated with it such as what was owed. 

They tried to work out a payment system and then asked for my debit card information and when that happened I asked for the basic information that they are supposed to provide. Then they started getting rude and telling me I was gon na have all of my assets taken and I would be taken to court and sued. They wouldn't give me any information that I needed to verify the loan unless I gave them some sort of payment information. 

I only have XXXX car to my name that's worth {$500.00}. They are threatening me that they will take it and sue me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally finance shared my non public information without my permission in XXXX of XXXX, in XX/XX/XXXX, in XXXX of XXXX and also XXXX of XXXX. As a result I have unfairly been denied credit. Under Fifteen United states code 1681 sections B & C by furnishing information to my credit report, the company has also committed identity theft against me. 

Ally finance also violated Fifteen United States code 1681 S-2 as I have previously contacted the company to have them remove the items. This company has also violated Fifteen United States codes 1681-E, Fifteen United States code 1681-I, Fifteen United States code 1681-N as well as Fifteen United states code 1681-O. The company also violated Twelve CFR 106.7, I never received a opt out notice either. Please help me remove their name/business from my credit report.
Product: Vehicle loan or lease

I was so shocked when I logged into my cfpb account and saw it was closed just because the company responded. I con not believe this. There is no resolution. They simply told me they can not find my payments from XXXX to XXXX and you close the account with any investigation. As an XXXX year old, I was relying on you to help me. I am in the same position I was in when I first contacted you. I made several calls upon receiving their response and the agent has not returned my call. I want this case re opened so that I can get resolution since the consumer financial protection bureau as I read your website will help with these types of situations. I am still in complete shock that you closed my complaint before getting any resolution from me as the complainant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  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

IN THE PAST 6 MONTHS I HAVE SENT XXXX, TRANSUNION, AND XXXX SEVERAL LETTERS IN REFERENCE TO ACCOUNTS ON MY CREDIT REPORT THAT ARE BEING INACCURATELY REPORTED AND HURTING MY CREDIT SCORE AND REPUTATION. ALL 3 CREDIT BEAURUS HAVE SENT LETTERS BACK SAYING THAT THEY HAVE THOROUGHLY INVESTIGATED EACH ACCOUNT AND HAVE VERIFIED THAT THEY ARE XXXX PERCENT ACCURATE. BUT HOW CAN THIS BE IF ALL THE ACCOUNTS ARE STILL SHOWING DIFFERENT INFORMATION SUCH AS DIFFERENT REPORTING DATES, AND DIFFERENT BALANCES AND SOME OF THE INFORMATION IS NOT EVEN REPORTING TO THE CREDIT BEAURUS. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY CONSIDERING THE FACT THAT THEY ARE REPORTING INACCURATELY AND THE INVESTIGATION TOOK LONGER THAN 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an acct on my Experian that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XXXX 2016, {$3200.00}.
Product: Credit card or prepaid card

A merchant owed me a lot of credit which was promised would be credited back. the merchant was supposedly a victim to a load of counterfeit goods which he claimed placed him in financial stress and he was unable to pay back fast enough his customers and creditors. ultimately, back in XX/XX/XXXX & XX/XX/2019 Capital One received all these credits back to my account. my account currently has $ XXXX in a credit balance. I had requested a refund for my credit balance to be mailed back to me, they told me it would take 7-10 days, but its been 2 weeks and they have not refunded me. when i called to follow up, they are telling me now it could take 90 days. I believe this is totally improper and base don what I've read, the bank is legally obligated to refund me within 7 days.
Product: Credit reporting or other personal consumer reports

I chose to open a credit card under my name with XXXX. 

The bank opened the credit card under my exgirlfriend address and now it is showing in my credit report like I was living in her address. 
My exgirlfriend has been calling me crazy saying that she keeps getting my mail in her address and she is threathen me with sueing me because of this. 

This is incorrect information, I never lived in her address. I have never stayed at her address. 
I asked the bank to delete her address from my credit card information but they said they have done it but this is not true. 

This issue is now reflected in my credit report as I have lived in her address and this is affecting me because i have applied for a federal job and they asked me if I have lived in her address and now they have denied my job application because they said I was lying because this information is in my credit report. 
I explained them the situation but they said i have to get my stuff in place before I take such responsability for a federal job... 

The only address I have lived in is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, There are credit inquiries on my credit report that I don't recognize. I have disputed these inquires but they have not been removed. The company names are attached and highlighted in yellow. The companies listed have not contacted me as the fair credit reporting act requires under federal law. I did not give permissible purpose to the companies listed. It is illegal to furnish consumer information to companies without consumer consent. 

The names of the illegal inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXXXXXX 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 a account without my written instructions.
Product: Mortgage

On XX/XX/XXXX, I filed complaint number XXXX with the CFPB against LoanCare. LoanCare failed to provide any details with regard to the proposed loan modification in its letter dated XX/XX/XXXX. I needed to understand the terms of the loan modification before acceptance. LoanCare delayed its response to my CFPB complaint and did not respond to my complaint until XX/XX/XXXX. After receiving LoanCare 's letter of response on XX/XX/XXXX, I signed the Trial Payment Agreement form and sent this information by XXXX on XX/XX/XXXX. LoanCare received my letter on XX/XX/XXXX ( XXXX  tracking number XXXX ). In the interim, I made a trial payment in the amount of {$1500.00} on XX/XX/XXXX by XXXX. On XX/XX/XXXX at XXXX XXXX, I called LoanCare and spoke with XXXX ( ID XXXX ) who said that my loan modification was denied in XX/XX/XXXX because I took too long the respond. However, I did not receive a letter of response to my CFPB complaint until XX/XX/XXXX. I was in a car accident on XX/XX/XXXX and sent medical documentation to LoanCare in the same XXXX  envelope as the signed Trial Payment Agreement. It was received on XX/XX/XXXX ( XXXX  tracking number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} US SM BUS ADMIN ODA Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by my credit monitoring service that XXXX XXXX listed my mortage account as derogatory chapter XXXX bankruptcy. I did not file bankruptcy as I am unable to because I filed in Massachusetts on XX/XX/XXXX. My wife who is NOT on the loan and is not a co borrower file in XX/XX/XXXX. XXXX was listed in her debtors page in guidance from her attorney.
Product: Checking or savings account

XX/XX/2021 Chase closed my credit car following with my business checking account and XX/XX/2021 closed my personal checking account where I only received my direct deposit and pay my bills. No warning, notice or reason. Went to branch 2 times no one gives an explanation or over the phone.
Product: Payday loan, title loan, or personal loan

We have had several calls for repayment. We ha ve stated that we do not have the money at this time and will not have it anytime soon. The lady from Mariner finance XXXX phone number XXXX XXXX XXXX called my husband and threatened to have our wages garnished if payment wasn't recieved today XX/XX/XXXX. She was very rude and unprofessional. She stated she wasnt worried about the collateral but would get her money one way or another.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I settled an account with XXXX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called XXXX multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also Comenity bank is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.
Product: Vehicle loan or lease

In XXXX of 2021 I bought a car and was financed by Credit Acceptance Corporation. I was unaware of the amount I was being charged with my financing rate as well as other add-ons that was not discussed in much detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX  ( XX/XX/23 ), XXXX XXXX ( XX/XX/23 ), XXXX/XXXXXXXX XXXX ( XX/XX/23 XXXX, & XXXX ( XX/XX/23 )