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

I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan.

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 
On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with Experian and XXXX credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 
When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to Experian and XXXX effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to Experian and XXXX in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 
We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.
Product: Credit reporting

Hello, About three weeks ago I contacted Transunion and I told the rep I was victim of them reinserted previously deleted information. I told him some of inquiries were reinserted twice on the same day. The customer service rep refuse to help me and told me to contact the creditor. I contacted the creditors and they told me it was not them, Transunion made the mistake. I was never notified by Transunion of this mistake. 
The inquiries reinserted that were previously deleted are listed below. 
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 XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX
Product: Checking or savings account

The bank messaged me to ask if I made a suspected fraud charge. They allowed it and then 2 more for the same amount to go through but canceled my card. I reported with a claim. They denied it.
Product: Payday loan, title loan, or personal loan

I have been paying XXXX a month on this loan for 12 months. My initial lian amount was XXXX and currently has an outstanding balance of {$6100.00}. As i look over the contract the total balance due is nearly XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX that I had a new credit inquiry. XXXX uses Experian for their credit monitoring services. 

Inquiry Date : XX/XX/2023 Lender : XXXX XXXX XXXX It appears that XXXX ran my credit without my consent, as I have never engaged or attempted to engage with XXXX in any capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email that my credit score with Equifax dropped. Upon checking my score dropped XXXX points with no explanation. There are no late accounts or collections are no hard inquiries to cause such a drop. I spoke with representative XXXX who gave me the runaround and XXXX a supervisor how also had no explanation. I was told that they couldn't address this over the phone. I requested a letter and received the run around again. All of my accounts will show paid on time and as agreed. I find that Equifax is being deceitful in their practice and would appreciate this matter being looked into.
Product: Mortgage

XXXX  XXXX loan was opened in XX/XX/2018. Nationstar, XXXX Mr. Cooper was identified as the lender. I attempted to initiate an online XXXX account, however was unsuccessful. The company sent notification by mail to the residence address of monthly payment schedule.The letter indicated XXXX was aware of lendee difficulties in attempting to establish online accounts, and as a result no negative action would be taken against the borrower. 
I was not in the residence until the XXXX week in XX/XX/2018. I began making monthly payments as of XX/XX/2018, and have continued making monthly on-time payments for the successive 20 months since without interruption or delay. 
XXXX began placing negative credit history information within 60 days of late payments beginning XX/XX/2018 indicating the initial payment should have been made in XX/XX/2018, which was clearly negligent as the loan did not close until XXXX XXXX XXXX has denied the XX/XX/2018 reporting, however I have maintained records indicating the error. 
I contacted CFPB then and initiated a complaint against Mr. Cooper regarding faulty record keeping, and CFBP initiated an action based on this complaint and numerous others against XXXX, which resulted in a significant fine purportedly paid by XXXX. 
However, XXXX did not correct the record keeping and has continued to place late payment notifications on my credit file for the past 20 months as a result of an alleged late initial payment in XX/XX/2018. Over the past 6 months, XXXX has also begun levying late fees against my account, which now amount to over {$800.00}. 
I am requesting CFPB 's assistance in pursuing the complaint against Nationstar/Mr. Cooper for failure to correct the ongoing record keeping error based on CFPB 's initial action against the company, and XXXX 's continued failure to correct its records, which has resulted in fraudulent credit reporting and attempts to collect late fees from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My house was broken into several years ago and I've been having problems with ppl using my ID to obtain things for years. Pls make this all go away!
Product: Vehicle loan or lease

My company leased this vehicle on XX/XX/XXXX with myself as the guarantor. I later found out that I was frauded on the loan and reached out to the company with a notice asking for the debt validation and verification on XX/XX/XXXX, which they received XX/XX/XXXX. I did not here anything within 30 days so I sent out a XXXX notice opportunity to cure on XX/XX/XXXX, which they received on XX/XX/XXXX. Again, I didn't receive any response which triggered some stress relating symptoms with my body. I then sent out the XXXX Notice as a non compliant noticer on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they finally wrote me back referencing that they have received my complaint. On XX/XX/XXXX, they sent a letter via XXXX XXXX XXXX updating that they were returning my invalid payment. On XX/XX/XXXX, I mailed them the following. 
1. Initial Affidavit : XXXX & XXXX of XXXX 2. Notice of Dispute 3. 2nd Notice of Dispute : Opportunity to Cure 4. Non Compliance Notice 5. Drafted XXXX XXXX XXXX XXXX of XXXX 6. Drafted XXXX Tort Damage claim XXXX. XXXX XXXX. XXXX XXXX XXXX. Notification of XXXX XXXX XXXX. Hold XXXX and XXXX XXXX XXXX. XXXX Notice XXXX. XXXX Mail XXXX XXXX Receipts XXXX. XX/XX/XXXX XXXX from Chase XXXX. XX/XX/XXXX XXXX from Chase via XXXX XXXX XXXX XXXX. Drafted Criminal Complaint XXXX. Drafted Subpoena
Product: Mortgage

My previous complaint on this company was closed when you received their response. BSI Financial lied in their response letter. They have not paid the hazard insurance. I have provided a screen shot of the mortgage activity dated today. As you can see, BSI paid the county tax and city tax. No payment has been issued for the hazard insurance although I have sent them the bill twice. The hazard insurance is due on Friday, XX/XX/XXXX. At this point, I'm forced to pay the premium out of pocket to insurance the coverage does not lapse. This is unacceptable as this VA loan has an escrow account and BSI is not properly managing same by paying the bills on time. If I had not filed the previous CFPB complaint,, I'm convinced they also would not have paid the taxes on time.
Product: Credit card or prepaid card

I made a transaction with XXXX XXXX online and the receipt said I would pay {$340.00}. I got charged {$340.00} on my credit card statement, which changed to {$690.00} later on. XXXX XXXX refunded me {$70.00} and {$170.00} which left a difference of {$100.00} remaining. I disputed the transaction and sent the receipt as evidence and got credited for the {$100.00}. Later, Back of America denied my claim and charged me {$100.00}. Their reason for doing so was, You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount despite me sending them a copy of the receipt twice. I want the {$100.00} charge removed.
Product: Student loan

I took out a loan with XXXX who then sold to Navient so I can pay going to school in XXXX University XXXX, NY. I tried asking Navient to help as I am not working right now and lower monthly payment to where someone else can help me pay for it and they said no. There is nothing they can go and I have to pay 480.00 a month and thats it. Combined income for XXXX people is XXXX how am I suppose to pay for student loans. They say federal government are the ones that help out with the loans if you make lower than a certain about not private loans but yet you ca n't file bankruptcy with private loans if they are considered to be like taking out a private loan from the bank. Bank loans you can claim in bankruptcy then why not private student loans. XXXX and Navient are the worse companies to deal with they provide no help with private loans what so ever!!! I guess thats why americans have horrible credit scores wo n't even give people a chance to advance with the means they have.
Product: Credit card

I have been getting charged late fees year to date {$190.00} this has caused me great hardship when trying to make my monthly payment. I have called to see about getting into a hardship program but was advised I would not qualify. I was told that I could speak with the hardship department and then transferred. I am not sure why someone would just tell me I do not qualify but then transfers me to someone that would determine that. I have had a hard time getting answers on Statement questions and how my account is reported to agencies. I spoke wo someone in the hardship department but they could not answer any of my questions. I did feel the hardship program they offered me would hurt me more then anything. I asked for help to reduce my account from being in negative amortization and was advised by the rep she did not know what that was. I was also concerned with being charged a late fee of {$41.00} as I heard with the new law late fees can only be charged {$8.00}. I have been a member of the Credit Union for many years the representative advised me they do not care. I felt very pressured to make a payment to a point where it seemed like a violation of FDCPA.
Product: Mortgage

We have tried numerous times to work with Ocwen Loan servicing and they have been stringing us a long for years saying that they would do a loan modification and we did 2 or 3 times trial payment just to either come back and reduce it by XXXX they are just playing games with consumers. After dealing with this and the frustration we ran into a company that specialized in forensic audits in mortgages and they found that Ocwen has done fraud our mortgage and do n't even have the original note. How is it that the judges allow bank like Ocwen to come and hurt and mislead and cause bank to foreclose on home owners that are only really trying to get help in making payments because of a hardship they have been going through instead they take advantage of the situation and have no consideration nor any intent to help.
Product: Credit card

I am disputing the collection account with SANTANDER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SANTANDER, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

I contacted Wells Fargo Bank on XX/XX/XXXX when I noticed unauthorized activity on my account dating all the way back to XX/XX/XXXX. I filed 2 different claims bc of the length of time the fraud began. The claims numbers are XXXX and XXXX. I was told due to Reg E that the claim ending in XXXX would take up to 90 days to get processed. I was then told the claim ending in XXXX would be processed differently as the charges occurred within 60 days and a provisional credit would be issued. The provisional credit was not issued within the 48 hours that they said it would be. I spoke to several different reps on Friday, Monday and Tuesday trying to get this resolved. I keep getting the run around. They are now saying the cases are being merged together. That provisional credit will not be issued. This is causing a financial hardship for me and my family. I have XXXX small children who have XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written intrusions.
Product: Credit reporting or other personal consumer reports

I informed Experian that I did not provide them with my written consent to report derogatory items on my consumer report.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I, XXXX XXXX XXXX am filing a complaint regarding a potential fraudulent international banking activity between Citibank ( US ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hereinafter referred to as XXXX  ( XXXX ). On XX/XX/XXXX, I requested a wire transfer of {$1600.00} ( XXXX XXXX XXXX XXXX XXXX dollars ) from my Citibank account to my mother, XXXX XXXX 's account in XXXX. My mother attempted to collect the funds at XXXX but was unable to do so, as the XXXX teller/manager informed her that the bank had not received the wire transfer sent by me from Citibank. The most recent attempt by my mother to collect the funds occurred on XX/XX/XXXX, but she was again refused. This came as a complete surprise, as I have successfully made several wire transfers in the past using the same Citibank-to-XXXX  setup. The most recent of these was a {$1000.00} ( XXXX XXXX dollars ) transfer made on XX/XX/XXXX. 
I have made several calls to Citibank 's wire transfer department starting on XX/XX/XXXX, and subsequently ( see case number below ), seeking additional information and later requesting a recall of the wire transfer. On XX/XX/XXXX, I followed up with Citibank regarding the status of my wire recall request. The operator, XXXX, explained that the XXXX XXXX  is refusing to return the wire transfer to Citibank because additional information is required. XXXX reportedly needs a copy of my passport, citing that a person with similar credentials is on their sanctions list. The Citibank operator advised that she could provide me with the contact email of the XXXX counterpart, so I can send a copy of my passport along with all relevant information, including my name and date of birth, to XXXX. 
As a XXXX citizen, I am unwilling to share this sensitive information with Ukrainian agencies. I do not believe that XXXX 's request is in line with US law and banking regulations. I request that the wire transfer recall be processed and the funds returned to my Citibank checking account within the next 10 business days. If XXXX refuses to return the funds, I kindly ask the XXXX government to intervene to protect its citizens. A possible solution could be to impose sanctions on XXXX, if applicable under the law. Additionally, I request that Citibank take responsibility for the wire transfer recall and deposit the funds back into my account, regardless of XXXX 's decision. 
Immediately below this letter please find copies of XXXX ) Citibank case # of my request of recalling the wire transfer and XXXX ) the receipt of my wire transfer Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute
Product: Credit reporting or other personal consumer reports

Hello I pulled my credit report again on XX/XX/XXXX and I still have numerus number of unauthorized inquires on my report. 



Please remove these unauthorized accounts 1. 
The following Unauthorized Inquiry was made by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and this inquiry is inaccurate Please Delete this Inquiry 2. 
The following Unauthorized Inquiry was made by XXXX XXXX on XXXX XXXX. XXXX and this inquiry is inaccurate Please Delete this Inquiry 3. 
The following Unauthorized Inquiry was made by XXXX XXXX XXXX XXXXXXXX on XXXX XXXX, XXXX and this inquiry is inaccurate Please Delete this Inquiry 4. 
The following Unauthorized Inquiry was made by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and this inquiry is inaccurate Please Delete this Inquiry 5. 
The following Unauthorized Inquiry was made by XXXX on XX/XX/XXXX and this inquiry is inaccurate Please Delete this Inquiry
Product: Debt collection

FCI Lender Services posted a new late charge which by 10 % higher than Regular interest charge at original 9.99 %. Therefore they charged me at total of 19.99 % as a excessive interest which unreasonable. I would dispute on this charge. on XX/XX/2021 Previously on XX/XX/XXXX. another 19.99 % late charge applied to my statement which was not reasonable and unfair charge I would dispute this amount this charge. 

FCI Lender Service Contact Info : FCI Lender Services , Inc. dba FCI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Toll Free Main Line : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX Loan Servicing Fax : ( XXXX ) XXXX, Specialty Servicing Fax : ( XXXX ) XXXX Business Hours : XXXX XXXX  to XXXX XXXX  PT, Monday through Friday XXXX XXXX Licensing System # XXXX | CA DRE # XXXX
Product: Vehicle loan or lease

Never had possession of the vehicle when financed on welcome call they knew!! So many out of pocket expenses that were never covered by limited warranty Only had possession of the vehicle for about XXXX XXXX months the loan was suppose to restart Never received any calls for collection except twice no right to cure letter also the company was deceptive by sending emails from agents verses business name
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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request an immediate and thorough reinvestigation of these items. These inaccuracies are severely damaging to my credit rating. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. There was never a late payment given on this account. 
XXXX Account Number : XXXX Please update to paid as agreed never late. 

4. Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX  XXXX  Account Number : XXXX Please delete immediately. 

5. Please provide your method of validation on how you validated this account when it is CLOSED and a COLLECTION account reporting a balance. 
XXXX XXXX XXXX Account Number : XXXX If unable to explain your method of validation then please DELETE immediately. 

6. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately. 

7. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX  XXXX Account Number : XXXX Please delete immediately. 

8. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately.