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

My wife and I applied for an auto loan refinance on XX/XX/20 using the online application at PNC. She was approved for the loan with a rate of 3.39 %. PNC informed us that we would need to go to a branch to close the loan and the rate was locked for 2 months. We checked the website and loan portal link on XX/XX/20 and confirmed that the rate of 3.39 % was approved and the best rate offered on their website. On XX/XX/20 she went to the branch in XXXX, VA. After collecting additional information PNC informed us the rate was now 0.4 % higher. After informing them that was not agreed upon we logged on to the loan portal to see the rate was changed just minutes ago. We had a screen shot as proof of the original approval after the branch manager claimed we had no documentation to support our claim. The best rate offered on their website was 3.39 % on XX/XX/20 as well. This is classic bait and switch. They were unable to close the loan that day and were unsure if they could resolve the matter despite our complaints.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of Account Number XXXX on my credit report. As per 15 U.S. Code 1681s2, a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX has repeatedly reported false, misleading, and inaccurate information regarding this account, despite multiple dispute attempts on my end. 


I have repeatedly disputed this information, yet XXXX XXXX XXXX XXXX has continued to furnish knowingly inaccurate data to the credit bureaus. 
Failure to correct inaccurate information after being notified constitutes willful non-compliance with 15 U.S.C. 1681s-2 ( b ) and subjects XXXX XXXX XXXX XXXX XXXX XXXX liability. 

Immediate Action Demanded : Immediately cease furnishing inaccurate information to any credit reporting agencies ( Experian, XXXX, XXXX ). 
Remove this account entirely from my credit report due to repeated violations of the FCRA. 
Provide written confirmation of the removal within 15 days of receiving this letter. 
Cease and desist all further reporting of this inaccurate information to consumer reporting agencies. 
Failure to comply will result in legal action against XXXX XXXX XXXX XXXX for FCRA violations, including but not limited to : Willful non-compliance with 15 U.S.C. 1681s-2 Knowingly furnishing false information to credit bureaus Defamation of credit character Damage to my creditworthiness due to misreporting If corrective action is not taken I will escalate this matter to the the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal remedies for damages incurred due to your unlawful reporting practices. 

This letter serves as final notice before legal action is taken. I expect full compliance immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH TRANSUNION WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS.
Product: Checking or savings account

I am filing a complaint against Capital One for mishandling an unauthorized transaction on my account. This transaction was made to XXXX, a foreign financial service I have never used. I have no ties outside the U.S. and XXXX, and all my family and friends reside in these XXXX countries. 

Details of the fraudulent transaction : {$800.00} on XX/XX/XXXX After noticing this unauthorized transaction, I immediately disputed it after posting with Capital One. However, despite clear evidence that I did not authorize this charge, Capital One denied my claim, stating that the transaction was " authorized. '' Why Capital Ones decision is wrong : I did not authorize this transaction. 
I have never used XXXX or any foreign financial services. 
All my family and friends reside in the U.S. and XXXX is no reason for me to send money elsewhere. 
Capital One failed to protect my account from fraudulent activity and is now refusing to return my money, putting me in financial distress. 
What I want Capital One to do : Reverse this unauthorized transaction and return my {$800.00} immediately. 
Conduct a proper investigation instead of automatically siding with the merchant. 
Ensure better fraud protection for customers in the future. 
Capital One is violating the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require banks to thoroughly investigate and resolve fraudulent transactions. I request the CFPB to intervene and ensure Capital One follows federal regulations.
Product: Payday loan, title loan, or personal loan

Hello. 

I am currently working with Speedy Cash to pay off my loan with them. My payments are going through with them and there is no trouble even though I had been behind for some months. 

Another party called XXXXhas been harassing me the last week with over XXXX emails, a few long text, and phone calls. 
They have threatened to come to my house and my workplace. They first said by XXXX  and then they switched their wording to XXXX. They have threatened to sue, adding amounts each time they send an email. They are also asking for my payment information and private details. I dont believe my speedy cash loan is supposed to be collected by XXXX and they are being inhumane, disrespectful, and using threats and words of harassment. They repeatedly said they will come to my house and workplace. Along with many false claims and rude comments I need this to be solved. 
Speedy cash is working with me and there are no issues between us. XXXX however has some of my info and is wanting all my info. Not sure what else I can do about this and Im worried they can try finding me at my old address and workplace. 

I will attatch all emails and records shortly
Product: Credit reporting or other personal consumer reports

Ive ask many times the creditors to provide me with proof and documentation that my account that they report on my credit report is XXXX accurate, according to my knowledge its not even 80 % accurate, Ive ask them many time to proof me and send me documentation and they did never, according to the counsumer law in credit reporting, they need to remove this account from my report since they didnt provide me documentation and its not accurate, pls take this seriously and remove it from my report!!!!!!!!
Product: Mortgage

I am default on the Mortgage Payment 4.8 month. the break down is as follows : XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} _________________________________ Total Balance Due : {$7100.00} _________________________________ I send two partial payments that total more than the outstanding balance due. 
1st Partial payment : {$4200.00} Received by Ocwen ( XXXX XXXX ) XX/XX/XXXX 2nd Partial payment : {$3200.00} Bank Check Received by Ocwen Express Mail _______________________ on XX/XX/XXXX. 
Total Payment Send : {$7400.00} Ocwen Decline to accept the payment return XXXX XXXX Payment ( see attached Ocwen letter dated : XX/XX/XXXX ) Ocwen Accelerated Loan the balance to XXXX. I was not offered the opportunity to re-instate the past due balance. Ocwen just referred my Account to XXXX XXXX, LAW OFFICE which fail to send 90 Notice Intent to Foreclose. Ocwen & XXXX XXXX are in partnership to cheat owners out of there home with low mortgage balance in order to make a profit and add aggressive interest on the account.
Product: Checking or savings account

On XXXX XXXX I logged into my mobile banking app that I have with Bethpage Federal Credit Union to check my checking account before going to the ATM, upon checking my account I discover that there were 3 transactions on my account that I knew nothing about. The Transactions are as follows- XXXX XXXX for {$73.00}, XXXX for {$92.00} and XXXX  XXXX XXXX XXXX for {$15.00}. I called Bethpage Federal Credit Union immediately and filed a dispute for these charges my card was blocked and was told I can go the the Credit Union branch and get a new card or it could be mailed to me I choose to go the the branch and get a new card. I was given a provisional credit until the investigation completed.On XXXX XXXX I received a letter in the mail that upon competition of the Credit Union investigation that I am responsible for the XXXX XXXX charge for {$73.00}, this amount were deducted back from my account. 
I called Bethpage again and and were told that my card and pin with the chip was used and that the card can not be reproduce because it has a chip so its a valid transaction and that I am responsible for it. I told the representative that is not true it has to be reproduce because I have my card in my position, at this point I asked to speak to a supervisor and was transferred to one staff by the name of XXXX who took down all the information and promised to return a call to me, its past one month now still waiting on XXXX 's called, I called her number several times and left voicemails for her.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an unauthorized status placed on my credit file by XXXX, Equifax, and XXXX. My credit file is showing the status Credit File Status : Report Blocked for Promotional Purposes, which I never requested. This status has severely impacted my ability to verify my identity when applying for credit, rental applications, and even basic financial services such as opening bank accounts. 

I strongly believe this block was placed on my credit file as a direct result of disputes I previously submitted regarding inaccurate accounts on my credit report. Instead of properly investigating and removing the inaccurate accounts, the credit bureaus have seemingly restricted access to my credit file altogether, making it impossible for lenders, landlords, and financial institutions to verify my creditworthiness. 

This unauthorized blocking of my credit file is causing significant harm to my quality of life. I am currently in the process of moving, and I have faced repeated denials because financial institutions and landlords are unable to verify my credit file. Additionally, this issue is affecting my ability to secure employment and access essential financial services. 

I am demanding an immediate investigation into why my credit file has been blocked without my authorization and a swift resolution to have this status removed. I expect XXXX, Equifax, and XXXX to correct this issue immediately so that my credit file is accessible for legitimate verification purposes
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of 2023 I applied for an apartment XXXX XXXX XXXX in XXXX XXXX Ct. The apartment that I applied for wasnt the apartment that I wanted because it was too expensive. The website forced me to apply for the apartment that costed XXXX. I then emailed the apartment manager and told her I didnt want that apartment I wanted the cheaper apartment. She then told me that was ok with her and it would be ready for XX/XX/2023. The apartment for XXXX would have been ready for XX/XX/2023. I was ready in XXXX. I was called by someone in XXXX and told that I wouldnt be able to get my security deposit back so I called Wells Fargos customer service and asked if they can dispute my charge since I wouldnt be able to move in and it was a scam. I was told yes so Wells Fargo started a dispute. I havent heard anything else back from the bank so I called and when I called I was told that I was sent a letter that I never got back. So not only was I forced to apply for an apartment that I couldnt afford but I was also told I wouldnt be able to get my money back. Upon further research this apartment concierge they have had many issues brought against them. I would also like to point out that i had a friend go look at the apartment as well. I asked the property manager how much was the rent and she herself stated between XXXX. I went to check my welcome package and the rent was actually XXXX XXXX Way more than I was ever willing to pay and from my conversation with the property manager she knew I wasnt willing to pay that. Online it has one price and when u get the welcome package theres another price.
Product: Debt collection

This company holds four collection accounts under my name for credit card/medical debt. They constantly keep changing the dates of these collections on my account to make them look recent, when in fact they were over two years ago. They also keep changing the name of the collection agency from LVNV to Resurgent Capital Services, back and forth on my credit report with different and more current debt dates of the action ; thereby, keeping these accounts on my credit report with newer dates ( Both LVNV and Resurgent Capital Services use the same address and phone numbers.This is so they will not fall off within the seven years as required. Three of these debts are medically related and I have filed a complaint with the California State Dental Board against this company. I also notified the original creditors as well as the collection agencies of this dispute and filing with the State of California. These were all ignored as well as all my other correspondence with these creditors and collection agencies.I also just recently went through a natural disaster ( XXXX XXXX, XXXX California ) and lost everything. I have a FEMA Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification of a new opened account on my credit report through XXXX. The account was opened yesterday ( XX/XX/21 ) for {$60000.00} and I did not open an account. This is potentially fraud. 

Account Information Below : Account # XXXX Creditor Name : JPMCB Auto Finance Industry Type : Bank Credit Card Address XXXX XXXX XXXX XXXX Mail Code XXXX , XXXX , LA XXXX Account Balance : {$60000.00} Payment Status : Current Want to get this resolved as soon as possible. Thanks
Product: Credit reporting or other personal consumer reports

Credit Karma has already been sued and ordered to pay but I wasnt aware of the problem. I read that they are prohibited but they are continuing to do this : Guarantee a credit card to me or pay me {$50.00} if Im denied. They encouraged me to take a hard hit on my credit report. I was denied the card. I also did not receive the {$50.00} guarantee. 
I complained to the XXXX. 
They contacted the company to no avail. I was referred elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really XXXX XXXX XXXX  with these thing. Should be there be any updates on my inquires, I'm gon na go to court.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my credit score at 60 points LOWER than XXXX  AND XXXX! Why such a drastic difference? Why are credit bureaus score differently? 

I have been working very hard to repair and rebuild my credit after being unemployed for six months during the covid19 outbreak. Experian is not correctly reflecting my score compared to the others. 

This is not fair that you never know where you stand with your credit! You never know what credit report will be pulled for things like renting an apartment or purchasing an asset and you never know what your score will be? How is this fair? Just because you have a credit monitoring app doesn't mean the score will be the same when a creditor or landlord pulls a report. Again, how is this fair? 

There is no education available as to how each credit bureau calculates your score. Everything is so mysterious! What about transparency, and fair credit practices? There should only be 1, ONE, credit bureau, with actual published, scoring practices so that people can track their own score intelligently, without suprises! 

Experian is preventing me from getting an apartment, unless I pay extra in up front rent and security deposits! This is discriminatory practices and I request and demand an investigation of the credit bureau 's practices, and to why there are 3 credit bureaus with different scoring practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

My medical bills that went to collections with XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX dropped off in XX/XX/XXXX and now XXXX is reporting them again.
Product: Credit reporting or other personal consumer reports

e Fair Credit Reporting Act ( FCRA ) is codified in 15 U.S.C. 1681 et seq. The FCRA is a law that regulates access to consumer credit reports and protects the privacy and accuracy of personal information. This company has refused to dispute item thats was
inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This company continues to report fraudulent information to my credit report on a transaction thats not mine, and causing emotional distress on my life situation. Its defamation of character to report false and misleading information. I asked them to provide a notarized copy of the accounting ledger from their accountant to verify and they couldnt produce it. Its also inaccurate as they report it on XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had problems with credit freeze, lost income, law investigations concerning covid19 7 year fraud alert, identity theft being detained had requested covid19 test kit they said they were out of test kits and I had to wait after all sick people my insurance covers test until XX/XX/XXXX they haven't sent my test kit yet was concerned about lost income, abuse and want to be out of their investigations.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no knowledge about them, and the company conducted them without my permission.
Product: Checking or savings account

On XX/XX/24 I was the victim of a phishing attempt in which the perpetrators texted me about suspected fraudulent activity related to my Ally bank account. I responded " N '' to the text to indicate I didn't authorize these charges, then they replied that someone from Ally would call me. That person was calling from what looked like the Ally customer service number, but now I believe they masked the caller ID number. The person I spoke to seemed legit but was not ; they texted me a code, had me read it back, then after I got off the phone, they proceeded to hack into my bank account and try to transfer funds. I immediately changed my password and called Ally. I tried to call the Ally Fraud line but only got through to the main customer service number, and they restricted my accounts and passed me to the Fraud department, who then helped me change my username and password and security questions, then told me the Account Takeover ( ATO ) department would call me on Monday to generate new secure account numbers and transfer my money over to them and close the old accounts. There was nothing they could do sooner. 

So I've been out of funds all weekend and had to resort to using credit cards for groceries. Today is Monday XX/XX/24 and they still haven't called me back. I called them and the Fraud department said that " thousands of people '' are having this happen to them, so the ATO department is overwhelmed, and I " just needed to wait 24-48 business hours. '' They said I should call back tomorrow if I don't hear back by today. 
They gave me the direct line to ATO since I really can't wait, because my life is on hold with no access to my money, but I was on hold for 1-3 hours each time I tried to call. I also emailed them at the address they provided on the ATO recorded line. I have no idea if and when they'll call, and in the meantime, they have all of my money and I have no recourse. I'm very upset that Ally doesn't have enough resources to quickly resolve problems for customers like me and force us to wait with frozen accounts for days on end. It's unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After twice writing to XXXX and Equifax asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX XXXX XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and Equifax were suppose to physically verify alleged debts before reporting.