23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I initiated a loan with Lending Point on XX/XX/XXXX. I modified the terms of the loan on XX/XX/XXXX to make all future payments on XX/XX/XXXX & the XXXX of every month thereafter until the loan is paid completely off. On XX/XX/XXXX lendingpoint automatically withdrew {$210.00} ( the usual monthly payment ) in error, as opposed to XX/XX/XXXX as was agreed, in writing on XX/XX/XXXX. I cake lending point on 5 different occasions between XX/XX/XXXX & XX/XX/XXXX. The supervisor i spoke with and customer service agents i spoke with all agreed that Lendingpoint was at fault. They mentioned they works refund the {$210.00} plus the {$35.00} overdraft fee that they caused when my account went negative due to their error. I was told in XXXX, XXXX, XXXX, XX/XX/XXXX & XX/XX/XXXX that I works be getting a refund, but it has to be approved through their underwriting department. I was misled in all occasions calling this company because they waiting 12 days after my initial inquiry to refund only the original {$210.00} and not the {$35.00} overdraft feec which they stated over the phone and in writing ( via email ) that they would refund. My account is setup on auto pay. My auto pay was not drafted on XX/XX/XXXX to assure my payment for the month of XX/XX/XXXX would be on time. Now the patent is 1 day late. I promptly made my {$210.00} payment manually today ( XX/XX/XXXX ), online, after checking all day yesterday ( XX/XX/XXXX ) to see that my autopay ( by the way auto pay is the only way this company accepts payments as agreed in their terms and conditions ) was drafted. By the end of the business day on XX/XX/XXXX @ XXXX EST and later that day, no auto pay was drafted and no refund was issued. Being that I have zero faith remaining in this company, I did not make a manual payment until I saw my refund because I don't trust that they wouldn't try to double, or even triple ( 1 time on XXXX,2nd if my auto pay came out on the XXXX, and 3rd time if i made a manual payment to cover the alleged refund they were issuing ) charge me for their mistake. 
It's obvious they are using unfair and deceptive tactics and are not above board in their dealings. They are also claiming i now owe and asditional {$4.00} in interest being that I made a payment 1 day late. 
This needs to be investigated and corrected. I need to be assured, again, in writing with the signature of an authorized Lendingpoint officer that all payments will only be drafted on the XXXX of every month. That my late interest will be excused and removed from my account, that no reporting to credit bureaus will occur, that my {$35.00} overdraft fee will be tranferred as a deposit to my bank account, and that the apologize, and remove 1 months installment payment from my payable balance as a corrective action on their part. If these requests are not granted, i will be forced to seek further retribution for their deceptive and dishonest business practices. 
I have never dealt with a financial institution as dishonest and misleading ( on all levels ) as this company. 
They also should be audited to determine how many other accounts they are mishandling.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

his is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. Here 's what the original complaint stated. 

The consumer filed a Balance transfer online with XXXX cards. The amount was for {$7700.00} to be transferred to the consumer 's Citizens Bank account. However, the consumer accidentally gave them the wrong account number. The consumer had two accounts and that one was closed. Citizens then sent back the funds to XXXX through a check in the mail on XXXX XXXX. The check was cashed/deposited on XXXX XXXXXXXX XXXX. The consumer has a copy of this check from Citizens. XXXX says they never cashed it but Citizens Bank says they did. Almost one year later and the consumer can't get it fixed. XXXX has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. Please remove these accounts as it is hindering my ability to obtain credit.
Product: Mortgage

XX/XX/XXXX Consumer Financial Protection Bureau RE : RESIDENTIAL HOME LOAN # XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Customer Assistance : This letter is to inform you of unscrupulous and unlawful practices I have against my lender : XXXX XXXX whereby Lakeview Loan Servicing is the subservicer. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

I have two major complaints. Firstly, when I first got the loan, I was told I could make partial payments which I took advantage of during XX/XX/XXXX. Later, I found that this is NOT the case. They do not allow it. Furthermore, I would like you to investigate why they use a usury practice that would seem to be illegalthe fact that they charge {$50.00} a day if the payment has not arrived directly on the first of each month. This is how this company behaves DURING A PANDEMIC!!!! I would have NEVER accepted this loan had I known beforehand that this a lending practice they operate under. This business practice should be scrutinized by your agency!!!! 

Secondly, knowing that they charge {$50.00} a day after the first, I have to wonder why they delayed processing my payment that was delivered early so it would be processed by the first of XXXX. I sent it on XX/XX/XXXX and it was deposited on XX/XX/XXXX!! It was scheduled to arrive on XX/XX/XXXX, a Friday, according to the post office ( priority mail ). Then in XXXX, I mailed my payment on XX/XX/XXXX ( priority 2 day mail ) and it was deposited on XX/XX/XXXX. So why did it take the XXXX payment 7 full days of {$350.00} extra dollars that they charged to my account? 

This is a scam in my opinion. I would like to depart from this loan as it is in no ones interest to contribute anything to XXXX XXXX. Please be advised that this activity should be stopped. 

Let me know if there is anything more you need from me. I am attaching my postal receipts to show the timelines. By the way, I lost my job in XXXX and I am still unemployed. I missed my XXXX payment. I was told due to my circumstances, I could get a Forbearance agreement, which I applied for through their phone system. This month they informed me by phone that my agreement was over at the end of this month ( while the pandemic is still in effect and Shelter in Place is still valid in California ). This what they said after I previously went through their phone system and got approval for an extension for six months. They DO NOT follow their own rules!!! 

I believe I should be compensated by the loan company for these brazen banking irregularities. Please send me your judgment about this problem I am having with this bank. I would like the six months from now to catch up on my delinquent one month arrears. 

XXXX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. It also breaches the contract/agreement between myself and FASFA about my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed ERRORS on ALL 3 my credit report, pursuant to 609 of the FCRA.

I attached a method of verification pursuing to 611 of the FCRA. 

CRAs didnt properly respond to disputes, closed all accounts erroneously. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

While the details are unclear, one fact remains evident : this inquiry was conducted without my authorization and initiated by the creditor without my consent. Swift removal is of utmost importance.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - NEXTEER Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MI, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I want to dispute the inaccurate accounts on my credit report and request their removal due to improper investigation, which violates the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the accounts in question have not been properly investigated, leading to inaccurate information remaining on my report. 
Please confirm receipt of this dispute and provide me with the results of your deletion of the following accounts : * XXXX XXXX XXXX - {$210.00} XXXX XXXX SE- {$230.00} 1. 15 USC 1681i ( a ) - Under the Fair Credit Reporting Act, Equifax is required to conduct a " reasonable reinvestigation '' of disputed items. This reinvestigation must be completed in a manner that meets the FCRAs standards. However, my dispute has not been handled properly, violating this requirement. 
2. 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) - This section mandates that Equifax notify me of the results of your reinvestigation and provide details on the steps taken. To date, I have not received the proper documentation or results regarding the disputed accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX BALANCED {$730.00}
Product: Credit card

Chase bank is the issue. I made a purchase with XXXX XXXX about two months ago and attempted to cancel the flight as there are numerous emergency landing in the past 8 weeks and also a cabin was smoky. I was told that there is a XXXX cancellation fee for each person when the website stated XXXX dollars. When I questioned this by calling the airline they stated that the fee is XXXX dollars for each. I tried to explain to them that the site uses the word " segment '' not round trip and they is very misleading. Every other airline site has very clear policies. I called them to resolve they will not, I told them I was a credit for the cancellation and all they will do is provide a voucher which means I 'm forced to fly with them EVEN THOUGH I do not feel safe. I 'm flying with a XXXX year old, I refuse to take my child in an unsafe airline, they are holding my money hostage, I have not used their service all I want it my money. I contact Chase via social media XXXX and they took the claim and gave me some non sense that the claim might not be approved after explaining to them these people are fraud and mis leading, I have never filed a claim with Chase ever, been a loyal customer, and I though credit card charges were protected in events as such. There is still no response via social media, I tweeted them about an call and their response was " We will call you when we are able '' extremely unsatisfied, not professional at all! All I want is my funds back on my CC, I have used the service, they are unreliable and unsafe and my credit card should protect me in instances as such instead of siding with the merchant. I have NOT benefited from anything I NEED HELP ASAP!!!
Product: Vehicle loan or lease

Have tried for over a month to receive a payoff letter for a loan on a camper trailer. Filed a complaint with CFPB XXXX SUBMITTED ON XX/XX/2020 TCF stated a payoff letter would be sent and the complaint was closed. To date the letter has not been received. Multiple attempts to contact TCF resulted in over an hour wait times, an inadvertent disconnection, a transfer of the call which resulted in a disconnection and an transfer of the call to to wrong " department '' at which time I was place back in the " holding '' queue. The account number is a XXXX  XXXX  account number and TCF continues to say I do not have a TCF account. 

I simply want a payoff letter, I have missed several opportunities to sell this item as a result of the abhorrent customer service of TCF and have no clear options for obtaining this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Fraudulently gave away all of my information without any consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with TRANSUNION and TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX  Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX-fla Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well past 30 days since I submitted my dispute. Experian responded stating that upon completion of the dispute they will mail me results. They have up to 60 days, but they have not opened the dispute at all and it has already been 30 days. I do not believe that Experian really investigate consumer disputes. They sent a response via cfpb just for their due diligence. Once again, I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on my credit report. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Credit plus did a hard pull on my credit report. Continues to do a hard pull without my knowledge or permission.on a monthly basis. 
XX/XX/XXXX XXXX XXXX did a hard pull without my knowledge or permission. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Xactus did a hard pull without my knowledge or permission. on a monthly basis. 
XX/XX/XXXX XXXX XXXX XXXX did a hard pull without my knowledge or permission. 

I have given two companies permission to pull my credit. XXXX XXXX and XXXX XXXX XXXX XXXX as I was in process of buying a house when my score dropped XXXX points due to this and I was no longer able to carry out the purchase of a home. 

In addition to this my ex husband has been allowing his wife to use my name on medical bills and to sign my name again with out my permission or knowledge. I am getting medcial bills of his and they are counting against my credit report.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my director deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. thank you!