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

On or around XXXX of XXXX, I went to a dealership to inquire about purchasing a used XXXX XXXX XXXX XXXX. I was given the vehicle to test drive for a few days. During the test drive time frame, the vehicle broke down on the interstate. I contacted the dealership and had the vehicle towed back to the dealership. I advised the dealership that I obviously did not want to purchase a vehicle that had broken down. The dealership said they would take a look at it and if it was something minor would I still be interested in purchasing the vehicle. I advised, possibly but it would depend on what the issue was. A few weeks later I received a letter and email thanking me for joining XXXX  and a payment booklet. I was on my way out of town, so I took the payment booklet with me so that I could call the company when I landed. I called XXXX  and spoke to a man, I advised him that I did not have the vehicle, that I never signed for the loan and asked why I had received a payment booklet. He advised that they received documents with my signature. I advised that I never signed anything, asked for a copy of the documents and even asked for video from the dealership showing that i signed. They advised me they would investigate. Their investigation was them calling the dealership and telling them i called. Nothing more. I assumed that it was resolved because I saw the dealership list the same vehicle for sale. In early XXXX, I received a call from a woman at XXXX  stating that I was late on my car payment. I advised her that I did not have a loan with them. I did not have the vehicle and that I never signed any paperwork. She glossed over this fact and continued to try and make me pay for a loan that I never signed for. I refused. Later that year around XXXX or XXXX, I decided to check my credit report and saw that XXXX  had placed the loan on my credit report and said i was late. Around this time, i also noticed that the vehicle in question was listed for sale on the same lot. I disputed XXXX XXXX XXXX  ( XXXX  ). They updated the report showing that it was a high balance of {$32000.00} but the balance on the account was {$13000.00} and that my last payment on the loan was XX/XX/XXXX, and listed the account as a charge off. This is completely inaccurate. I have never made a payment to this company. I never signed loan documents for the vehicle or with this company. They also listed the loan term of 66 months. I have no idea what the term may have been because I never signed a loan document. Also, based on their fraudulent update, they are stating that {$19000.00} was paid towards this fraudulent loan in 7 months. If this was true, how would the loan be eligible for a charge off? This company is a complete fraud, and has prevented me from being able to obtain credit.
Product: Credit reporting

I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
Product: Credit reporting

Sterling Infosystems XXXX, OH XXXX The above company conducted a background check for a potential employer. They reported a forfeiture u violation as a felony to the company. They did not reach out to me prior to publishing these results. An example of a forfeiture u is a speeding ticket so there is a huge difference between these violations and felony. 

When I called in to dispute I found out they did not have a phone number on file, a correct address, or an email. I received no opportunity to dispute prior and they published the results to the company before contacting me or providing the report. 

They have acknowledged their mistake and said they will file an amended report. However the damage is already done and it is too awkward a situation for me to step into with the company. 

They offered no apology during the process and did not seem to understand the severity of their mistake. 

I still have not received a copy of the report either the initial one or the amended via email or in the mail. 

Please let me know if you need further information for the complaint to be filed. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX, XXXX, and EXPERIAN has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date 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 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus on my behalf to fix these inaccurate information and I put in the report as well see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I received notification via my credit alert service with XXXX that my credit had been run by Ally Financial. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX, XXXX, I received a notice in the mail from the Ally Bank of the incident and also discovered that the Ally Bank also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute a negative mark on my credit report regarding a payment history. I have consistently made all of my payments on time, and I believe there has been an error in how my payment history has been reported.

Specifically, I have not missed any payments and have always made my payments by the due date. I have attached supporting documentation such as payment confirmation emails, bank statements, and account statements to demonstrate that each payment was made on time and in full.

I kindly request that you investigate this matter and work with the relevant parties to correct any inaccuracies in my report. It is important to me that my credit report accurately reflects my history of on-time payments.

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue.
Product: Credit card or prepaid card

On the morning of XX/XX/XXXX fraudulent transactions were made on my chase freedom card account. I called Chase to report the incident at XXXX EST, and spoke to a representative for 11 minutes. They closed the account, and issued me a new card. During this phone call I also received a text message from Chase fraud at XXXX stating 'a transaction for {$480.00} with my card was declined at XXXX XXXX was this you? ' I replied No. I let the representative on the call know they were still trying to use my card, and I just received a text message. At XXXX i received text messages from Chase stating my text alerts were being now sent to a different phone, and a notification of a password change to my mobile banking. I called Chase back at XXXX, and spoke to a rep who walked me through changing my username and password, and reset my alerts to be sent to my phone #. By XXXX there were more unauthorized charges to my account so I called Chase again, and was told by the representative that someone called around XXXX impersonating me and was able to get the card turned the card on. At this point I was on the call with the Chase representative for 44 minutes setting up a verbal code so in the future when calling they can verify it is me calling. By now there were 5 unauthorized transactions totaling {$1800.00}. Within the next 72 hours the charges were removed however I was re-billed for these charges on XX/XX/XXXX. From here I have been calling Chase Fraud department every morning trying to get this issue resolved. I have sent in all the documentation needed that proves my case, and have spoken to multiple supervisors. I have also been requesting to speak with a manager since XX/XX/XXXX, but have been told the manager has to call me. I informed them I can only accept calls before XXXX EST because of my work schedule, and no manager has yet to call me in that time frame.
Product: Money transfer, virtual currency, or money service

Good morning, I created my Coinbase account in XX/XX/2020. A few months ago I passed an XXXX  from my digital wallet ( XXXX  ) and since two months ago my Coinbase account appears as " account under review ''. Nobody gave me an explanation, I have uploaded my identity documents several times, I have contacted the technical support on XXXX and via email and they do not offer me any help. They open case tickets and close them without answering me. It's embarrassing. I read on the internet that there are thousands of people in the same situation as me. They hold people 's money and don't give any explanation. 

I hope you can help me, thank you very much.
Product: Payday loan, title loan, or personal loan

I applied for a credit extension in the amount of {$500.00} and was denied by World Finance XX/XX/22. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to provide for my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card. They received the benefits from my credit card and I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants.
Product: Checking or savings account

As detailed in CFPB complaint reference XXXX, that I filed on XX/XX/2020 ( for which I still have not received a company response ) I continue to receive servicing emails from KeyBank. As these are servicing emails, I do not have the option of opting out of these unwanted emails. I no longer have an account with KeyBank and do not wish to continue to receive unwanted emails from the bank, due to their unfair, deceptive, and abusive acts and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : 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 a thorough investigation into these discrepancies and urge you to provide evidence, such as statement, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflet their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Money transfer, virtual currency, or money service

Paypal has demonstrated a pattern of transacting from my account without authorization. The latest problem involves a checking account with XXXX XXXX XXXX XXXX that is currently the subject of a complaint with the CFPB. Despite the fact that I removed that checking account as a payment source from my XXXX account, and added a different payment method, PayPal decided to transact from the checking account. Yesterday, I filed a dispute with them to stop the transaction and use a different payment method. That was before they sent the money from my XXXX XXXX Account. They refused, saying the " transaction was not unauthorized ''. Today, I called and spoke with two managers, and both of them refused to stop the transaction. Although I have told them that I did not and do not authorize the transaction, they insist that they know my intention better than I do, and they are substituting their intention and their will to conduct monetary transactions from accounts that belong to me. 

They claim that I have a billing agreement with XXXX, so therefore, they can transact from that account without further input from me. I told them that I updated my agreement with XXXX to change the payment source. Furthermore, their point is moot for the reason that I have stated my intention clearly that this is not a transaction I approve. 

This is not the first time. On XX/XX/2019, PayPal sent {$15.00} to XXXX from my PayPal account, even though I had purchased nothing from XXXX. This was actually the second instance of them sending money from my account to XXXX without authorization. The first time, I filed a dispute with PayPal and they refunded my money after " investigating ''. Nevertheless, they disregarded what they learned during their " investigation '' - that I have purchased nothing from XXXX for {$15.00}. They " denied '' the dispute that I filed, and only refunded my money when I called, and threatened to escalate the matter if they don't stop taking money from my account without authorization. Given the nature of my dispute with XXXX XXXX XXXX XXXX, it is not unreasonable to suspect that PayPal 's actions are not innocent mistakes.
Product: Checking or savings account

A so called magazine debt collector called me telling me that I order magazines and that I have 30 months left to pay {$19.00} a month. After doing some research on this company they are a fraudulent company taking money from people. Which i have not subscribed to any sort of magazine. Now this company XXXX XXXX XXXX XXXX is withdrawing funds from my account. When I spoke with them they would not tell me what magazines a I order then they told me to answer a few questions and then they told me I had to pay it. I dont what to do. So far they a have withdrawn from my checking account.
Product: Debt collection

I was XXXX when this was opened and in a foreign country. I did not receive any notifications at all on this. I was unaware of this going to collections. Is there a way that I can just have this removed due to the Sailors relief act.
Product: Debt collection

My identity got stolen around 6 years ago from my car with my wallet I am disputing the following fraudulent accounts that are not mine these accounts are fraud R.A. ROGERS INC COLLECTION ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT # XXXX AND OPENED AROUND THE YEAR 2016 I am a victim of identity theft and I never opened THIS account again I am a victim of identity theft and i never opened this account its fraud. I am a victim of identity theft and this account is not mine. Fraudulent address XXXX XXXX XXXX XXXX CA XXXX
Product: Mortgage

Guild Mortgage is not offering a good forbearance option for COVID-19 relief. I asked time and time again to set my XXXX, XXXX & XXXX payments to the end of the month. But they insist on I pay a lump sum, or a immediate payment plan after forbearance. The other applicant in my loan has lost his job, and I have my hours reduced. How can we pay the additional payments at the end of forbearance if we cant pay our full amount now?! 
I specially asked Guild Mortgage to do this, and they completely ignored my request and placed me on a forbearance plan without my consent.
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 a significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit card or prepaid card

Two watches were ordered, they only sent one. Disputed on their website twice yet charges remain. Ugh. Please help. I shouldn't be responsible for this charge and the payment is due soon and no one will respond. I should only be charged for the one item they actually sent.
Product: Payday loan, title loan, or personal loan

I applied for a loan from ONE MAIN FINANCIAL in XXXX 2018 ; and was denied. ONE MAIN alleged I was denied because of information on my credit report. My credit report did not reflect any adverse credit information.

So, I wrote to ONE MAIN and requested that they provide me with a letter stating why I was denied a loan. Pursuant to Title 15, Sec.1693 ONE MAIN had a duty to answer me within thirty ( 30 ) days. ONE MAIN failed to state to me in writing a legitimate reason for turning me down for a loan. ONE MAIN is liable for damages under Titile 15, Sec. 1691 ( e ), & ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O '' STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tradeline missing : XXXX XXXX Status : Paid, Closed/Never late. 

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : Type : Charge Card Terms : NA Monthly Payment : {$0.00} Responsibility : XX/XX/XXXX Comment : Account closed at credit grantor 's request. 

Payment History : NA Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 

Credit Limit/Original Amount : {$300.00} High Balance : NA Recent Balance : NA Recent Payment : NA
Product: Mortgage

We fell behind and filed Chapter XXXX. We closed the Chapter XXXX  and a few months later offered a modification. Sadly during the second month of our modification my husband was hospitalized and had to have XXXX. My name is not on his bank account and when the payment was returned I could do nothing. I contacted Mr. Cooper and they where no help. Than they sent our account to an collection agency and I even contacted the collection agency, but no response. Than we again reached out to Mr. Coopet and they have just given us the run around. The stop taking payments, stop paying the insurance on home and the flood insurance. Than they put our home up for sale in the paper and on XXXX  without telling us. The sale date was XX/XX/XXXX but was canceled reason not known. We spoke with a Mr. XXXX  at Mr. Cooper on XX/XX/XXXX and he was going to email us some papers, but never did. Than today XX/XX/XXXX he contacts us saying their is nothing that can be done. All these days he knew this but failed to mention it until today XX/XX/XXXX. This company won't take payments, but still running up our escrow account by paying the flood insurance even after the bill was sent to us. I think this company needs looking I to. They went from Nationstar to Mr. Cooper, but same old business dealings.
Product: Debt collection

Coming up as in open account with a balance of {$830.00}. I do not recognize this lender nor have i had a contract with them