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

I NOTICED IN MY CREDIT REPORT THIS HARD INQUIRIES WHICH I DID NOT AUTHORIZED OR GAVE THEN CONSENT NOR THEY ARE NOT RELATED TO ANY OF MY ACCOUNT ON MY CREDIT REPORT ACCORDING TO 15 U.S. 1602 P
Product: Debt collection

I am writing to complain about a company MacDowell & Associates, LTD- XXXX XXXX XXXX . I have recently received documents that I am being sued by them without even notified. For a vehicle that was released to their client XXXX XXXX XXXX, XXXX. Since then the amount owed has made its on my credit report and has affected my credit score negatively. MacDowell & Associates have harassed me by relentlessly calling my mobile phone, calling my job. Ive changed my number because they would reach out on the hour, every hour trying to get me to pay back XXXX ( as if a guy working a retail job has that kind of money laying under a rock. XXXX XXXX XXXX is what shows up on my credit report but this law firm are the ones trying to turn rocks into gold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled it in XXXX if XXXX and I called XX/XX/XXXX to find out why its showing I owed {$2100.00} still and no explanation
Product: Checking or savings account

On XX/XX/XXXX I contacted SOFI to inquire about a paper statement fee I was charged. In the 4 years I have had the account I have never had the fee but I was charged a fee on an account and when I request a credit and provided evidence that I was in fact signed up for paperless statements I received an email that it will be reviewed. 

I chatted with a representative on XX/XX/XXXX and they replied that my account was being closed. They refused to provide any information. 

On XX/XX/XXXX I received 2 emails - 1 alleging " irregular activity '' and 2 minutes later an email stating my account will be closed.

This clearly demonstrates a pattern of retaliation and fee loading an account that never had a fee.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, i applied for a loan at a company called " credito familiar ''. I originally applied for {$5000.00}. After, checking my credit, via XXXX, " XXXX XXXX '' a customer service representative from the financial institution, calls me on XX/XX/XXXX to tell me that i qualify for a smaller amount, {$2000.00}. I agreed, and she then tells me to send her, all required evidence, paystubs, letter from employer, proof of address etc..soon after that, i called to get a payout date, and XXXX XXXX XXXX tells me that according to my paystub, i dont qualify. I told her that my net pay on my paystubs, reflect smaller amounts, but that i had allotments, to different accounts, and they were part of my net pay. I work for the postal service, here in the commonweath of XXXX XXXX. Perhaps, my paystubs are different from everybody else, here in XXXX XXXX, but they are not grounds for denial.I was being considered for a smaller amount, but according to this financial institution my paystub was the reason for denial.I called the institution on XX/XX/XXXX, and spoke to the manager in charge, XXXX for reconsideration. She then tells me, that i was denied, and mentions something else about my credit, to justify their denial. It was plain and simple, discrimination, for being a federal employee in a commonwealth. My credit had nothing to do with it, or else i would not had been ask to send all my personal paperwork, by the institution. All my allotments, for {$1000.00}, {$800.00} {$300.00}, are part of my salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home in XXXX of XXXX in XXXX XXXX Md thru PHH Mortgage for $ XXXX when I looked at my credit report on all three bureaus I noticed it was no longer reporting which is a violation of my rights. The mortgage was sold to XXXX XXXX in XXXX of XXXX which they never reported to the bureau ither I would like these 2 mortgage showing on my credit profile asap. 

PHH Mortgage XXXX ending with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15USC1681 section 602a States that I have the right to privacy.

15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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.

15USC1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove me from their database and not to wait 5 years, if my banks Santander, N.A. and XXXX XXXX intervene and tell them to remove me, since I payed the balance of {$330.00} to XXXX XXXX and {$850.00} to Santander, N.A. However, nobody took steps into correcting this and removing me from the database so I can get my life back.
Product: Mortgage

My mortgage lender provided a loan estimate disclosure based on the advertise rates ( best rates ) on its website, as effective on XX/XX/year>. 

Now after two weeks and market rates improving ( decrease in percentage ), I requested the lender to issue a new ( 2nd ) loan estimate based on current lender rates as currently published on their website. 

This new request for loan estimate ( at current published lender rates ) is being denied by lender. 

Lender states is unable to honored rates because of internal terms and procedures are now different for these new rates, compared to the original ( 1st loan estimate ). 

Lender states they are not required to share and disclosed any terms and conditions to the public and that their rates can have variation. 

All original loan terms ( price, down payment, loan-to-value ratio, credit history profile ) are they same on this second loan estimate application as the first initial estimate. 

I consider this lender to be very deceiving, inconsistent and not very transparent on its service of loan applications. 

I would like to issue a formal complaint and denounce this lender practices in service of many other applicants, including myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, XXXX, and Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion and XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting experian about this issue and they dont want to fix it i cant see my experian fico score since XX/XX/2022 and i been sending all my proof of identity like my driver lincese, lease apartment to verify my current address and my social i got a credit report from experian via mail XX/XX/XXXX and in one of the secciona it said that the ISSUE DATE ON THE SOCIAL SECURITY NUMBER THAT YOU GAVE US IS NOT VERIFIED BY THE SOCIAL SECURITY ADMINISTRATION i have sent my social security card thru EXPERIAN.com/upload and i never get a reply from experian
Product: Credit reporting or other personal consumer reports

I didnt consent or have a contract with syncb/Sams XXXX XXXX XXXX. These laws shall be implied. Section 604 15 USC 1681-B, Section 605 B 15 USC 1681 C-2, Section 605 A 15 USC 1681 C-1
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

They enrolled me in a program to lower payments since my card is closed however they kept reporting my account as late. I called and they ended up crediting my account the late fees however they removed me from the program in error making the account go back to reporting late : I have called and sat in hold for hours with them with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask experian credit bureau to correct the following errors on my credit report and they have yet to do it and submit verification tht these are my accounts or to fix inaccuracies tht by law should be deleted from my credit report. XXXX ) XXXX  XXXX XXXX is the account number and past due balance of XXXX which is inaccurate and the dates are wrong and it is a charge off account. XXXX ) XXXX XXXX XXXX XXXX is the account number and the dates are wrong and it is a charge off acct. Furthermore I hve sent numerous letter stating how this inaccurate reporting is damaging my credit report.
Product: Credit reporting or other personal consumer reports

I recently notified Transunion that I an a victim of identity theft. In return Transunion responded that the fraudulent accounts were verified that they belong to me. Transition did not send proof of how the fraudulent account was verified, when it was done and with whom. The reporting of these account ( s ) by Transunion is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I do not verify any of this fraudulent activity. and I. had nothing do with any of it.
Product: Mortgage

I was facing foreclosure in XXXX and the XXXX XXXX through XXXX XXXX began the process. However, it was stopped and I began making payments of XXXX with the understanding that I would be placed in a program to bring my loan current ( 6 months trial ). In XX/XX/XXXX, my loan was sold to XXXX XXXX XXXX XXXX XXXX XXXX and because I was late with one payment, they began the foreclosure process. Even as I continued to make payments, XXXX XXXX sent them back to me and informed me that they were no longer accepting my payments. I've enclosed information that I received from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX was never XXXX XXXX I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam Experian will not allow me to freeze my personal credit online. XXXX and XXXX allow the process to be done online but not Experian. They request police report and other documents. as a consumer I should be able to freeze my credit online with no problems. can you please assist me in this matter?
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters addressed to the Credit Bureaus requesting that they investigate and update my Credit File from erroneous reporting and yet they have done nothing! I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 and XXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 as I believe these accounts were reporting in error.
Product: Credit reporting or other personal consumer reports

I am Writing to dispute the following accounts on my Experian Credit report, Which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ).

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the immediate removal of these accounts under the FCRA, Specifically 15 USC1681e ( b ), 15 USC 1681s-2, 15USC ( 5 ) and 15 USC 1681 c ( c ). Furthermore as per Law 605 B, These fraudulent accounts should be eliminated from my credit report. your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial protection Bureau ( case name : Consumer Financial protection Bureau v. Experian Information Solutions , Inc ) This lawsuit highlights Experians failure to conduct proper investigation and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian addresses this matter in accordance with the FCRA I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts under from my credit report. 
Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!
Product: Bank account or service

Ordered a tent and equipment rental from XXXX for an event XX/XX/2016 in XXXX, Wisconsin and paid with my WellsFargo debit card. XXXX was not able to complete the job appropriately as their weight system did not fit into the required XXXX space allotted at the show .The tent they installed also had rips in it. The tent also was installed incorrectly and had tears in it. I requested that XXXX return to the site to fix the problem. They stated that they could not fix the weight issue as it was a liability so they could not fix to fit in with my allotted space. ( see texts and photos from event essentails ) They stated - too bad, that they would just pickup the equipment. 
I filed a dispute with Wells Fargo including photos and copies of all communication. Wells Fargo issued me a provisional credit then did n't do anything and reversed the credit last week. I have requested for them to reopen the claim and find in my favor but they have n't responded
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finacial loss, and i seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

This is not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Contacted by GC Services today about an old student loan which I am paying thru a different company that I am paying for this debt. The collector from GC Services said that it was from XXXX XX/XX/XXXX. This is the debt that I am paying through a different compay. 
GC Services can not produce promissory notes or any original documentation to verify this loan. They also took a chunk of my income tax return in XX/XX/XXXX. 
I need some help with this one please.
Product: Debt collection

I purchase a cell phone and had service. After a few days I returned the phone canceled the service and was given a FULL refund. The account was closed and fully satisfied. Then I get get a notification that I'm being sent to collections for {$69.00} from XXXX. I went in to a local XXXX store and spoke to a XXXX who looked at the account and told me it was fully taken care of and this was an error on XXXX side but he couldn't do anything becouse it had already been sent to collections. I do not owe this debt and it is negatively affecting my XXXX XXXX. I want I resolved immediately please. Thank you
Product: Consumer Loan

On XXXX, 2017, we purchased our leased vehicle from Chrysler Capital. As part of the purchase price, state taxes were collected. These were to be remitted back in order to pay the taxes due a time of registration of the vehicle. Upon sending the paperwork to our lender ( Bill of Sale, etc. ) a check should have been sent. However, it was not. My first phone call resulted in them telling me they would have to send an email to research it and it would take 3-5 days for a response. I called back, and was told the check was mailed to my bank. I called back again the next day ( after learning no check had been received ) and spoke to another person who indicated the check had not been sent. They sent me to the Office of the President. The next person I spoke to advised they would remit a check, to me, and overnight this. They advised they would call me to let me know once this was completed. I never received a call. I called back the next day, and was told they were " researching it '' with XXXX who was a manager. I then received a phone call back that indicated they mailed the check on XXXX to my bank. My bank has not received the check as of today. As a result of this, my ability to register the vehicle has been impacted and I have received a communication from my bank indicating they could call my note due and payable as I do n't have this registered within the required 30 day timeframe. In addition, I now have to pay penalties for a late registration. I still do n't have this resolved. Chrysler Financial has given me the run around for almost a week, has told me different information during every call and the matter is still not resolved. In addition, per the Missouri Dept. of Revenue, Chrysler Capital is not " authorized '' to collect taxes in this manner for the state of Missouri. When we initially talked to Chrysler, we were told they would remit the taxes to the State of Missouri, which they have not and are not authorized to do so in this state. Chrysler Capital held my funds for 25 days potentially, which is a complete contradiction as to what they stated they would do at the beginning of this process.