23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I set up payment arrangements with this collection agency called GC Services Limited Partnership who is representing XXXX. The agreement was to pay XXXX a month starting XX/XX/XXXX, I made a XXXX payment on XX/XX/XXXX, which was my 2nd payment. On XX/XX/XXXX I called to make a XXXX payment, and this is when I was told by an agent with GC Services that they need 25 % the day that I called XXXX XXXX ) and the balance by the XXXX XXXX And if I didn't make these payments they would use any cards or checking account that I ever used to collect this money. I have a print out that GC Services sent me with the payment arrangements I also received a letter from XXXX dated XX/XX/XXXX stating the same thing as GC Services. I didn't think too much about the letter because I had made the arrangements. with GC Services.
Product: Credit card

I applied for a credit card and was sent a denial letter on XX/XX/year> citing credit being too high, my credit references are not mature, and current or past delinquency on public record or credit file. Application referenced number is XXXX and when I called for reconsideration under adverse action law 15 USC 1697, the representative/agent told me to go to a website and that they have no reconsideration recourse for consumers other than the website. I went to the website address he gave but there is no place to lodge a complaint or ask for reconsideration.
Product: Vehicle loan or lease

I contacted Western Funding Inc. 

I am writing to bring to your attention a serious matter regarding my account with their institution. It has come to my knowledge that someone has stolen my identity and fraudulently opened an automobile loan in my name. 

I kindly request that you take immediate action to close the fraudulent account associated with my name and provide me with a letter confirming that the account is not mine. Additionally, I seek assurance that I am not liable for the mentioned account and that it will be promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Western Funding Inc. 

XXXX XXXX XXXX XXXX, CA XXXX *NJ use XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX https : //www.westernfundinginc.comXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX According to the fair credit reporting act ( FCRA ) 15 U.S.C 1601 all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy of charge off. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Product: Vehicle loan or lease

Iin XXXX I was on the a bad car accident in my XXXX XXXX XXXX. I was financing the car through Santander Consumer USA. I notified them in XX/XX/XXXX that I was in an accident and that the car was not in good condition. The insurance company wouldn't total the car due to the air bags not deploying. I sent the car to XXXX XXXX for appraisal. I was contacted by the Collison department manager. He advised me that the damages on the car were more than what insurance would pay. He also advised me that fixing the car would not make sense because of the damage. I notified Santander Consumer USA of this on XX/XX/XXXX. I was advised that they would retrieve the vehicle from the Collison condition and auction it off. The rep stated that once the vehicle is auctioned. They would send me invoice for what was left owed on the vehicle. So they told me they would take it from there. After not receiving any feedback from Santander. In XXXX I contacted them inquiring on the status my account and what was the outcome. I explained that I hadn't received any communication from them. I was advised by XXXX in the  Corporate office that they had abandoned the vehicle and didn't take ownership of the vehicle. I asked why hadn't I been notified of this, but no reasonable explanation was given. I was never notified or contacted by them. I stated that if that was the case thrm where is the vehicle? I asked why we're they putting the entire amount of the loan for the vehicle on my credit? I could've taken the vehicle my self. Thry didn't provide any proof of this. It never showed on my credit as a repossession. So basically they put this Vehicle ony credit as a charge off when in fact! They abandoned the vehicle. Taking no responsibility for it. So they say! Santander Consumer USA is despicable. They are crooks and misleading to consumers like me. They trying to ruin my credit because they failed to properly handle the situation. I feel cheated and robbed of my choice in this situation. The need to be held accountable. 
Signed Disappointed Single Mom.
Product: Mortgage

We fell behind in our payments a while back because our income had been reduced, due to the vacancy of the first floor that we rent out, hereby losing some rental income, and also I was sick for a few months and could not do much work.

We applied for a modification and discovered a few days ago that we have been denied. The reasons stated were misleading, lies and misrepresentions of the facts. One reason is that we earn over {$10000.00} monthly, THAT IS A LIE! OUR TOTAL GROSS INCOME IS {$6900.00} monthly! They deliberately misrepresented my income from my XXXX  business, saying I earn more than I do, because they choose to not factor in my operating expenses. They used my gross RECEIPTS as gross income and thats incorrect. If I do not pay my XXXX  XXXX  payment, XXXX  insurance, maintain the XXXX, or purchase XXXX   for the XXXX, how can I earn money???? So then, how are they going to ignore the operating expenses of my business and count it as gross income! Gross Income is what Im left with after my operating expenses!

Also, the denial letter said we did not show proof we had a down payment of {$25000.00} on the modification. First of all, they had NEVER asked if we could show proof of {$25000.00}. The denial letter was the FIRST time we heard about that. How can they deny us for not providing something they never asked us to provide? Also, why are we asked to put a down payment of such a high amount???

We feel the bank is making it very difficult for us because they realize that we owe less than thr value of the house and they REALLY want to take the house.
Product: Credit card or prepaid card

XXXX XXXX on XX/XX/2023 gifted me XXXX dollars in visa prepaid cards through my pre paid center which is also managed by XXXX XXXX XXXX XXXX. 
I have tried to make online purchases and my account keeps getting blocked. They refuse to give me another account with the money owned and solve the problem. I cant access the money in the account I have sent several emails with no resolution. 
I have call the number XXXX XXXX XXXX, the refuse to give access to the money i have left or give any resolution to my problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent account and associated credit inquiry from my credit report. I have recently become a victim of identity theft as a result of a data breach, and I am asserting my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized entries removed. 
Please see the details of the fraudulent account 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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

I have repeatedly asked for verification of this debt through the credit bureau and have received nothing. But yet it is on my credit report as a collection
Product: Debt collection

I received a collection notice from Common Wealth Finance on XX/XX/XXXX the notice stated they were collecting on debt in the amount of {$1200.00} for XXXX XXXX. The notice stated I had 30 days to file a dispute if I believe the debt is not my debt. I filed a dispute and sent it certified mail the collection agency received the disputed on XX/XX/XXXX. The collection agency did not allow me the 30 days to respond to the notice they sent the collection to be added to my credit report to all 3 credit bureaus. XXXX updated my credit report on XX/XX/XXXX, XXXX added this collection to my credit profile on XX/XX/XXXX and XXXX added this collection to my profile on XX/XX/XXXX. This did not allow me the 30 days to respond to the notice. I sent a notice requesting debt validation which was received by the collection company on XX/XX/XXXX as of today XX/XX/XXXX I have not received a debt validation response. I contacted Common Wealth Finance on XX/XX/XXXX inquiring about he response. I spoke with a representative named XXXX who verified they had received my request on XX/XX/XXXX and they were unable to provide me with he validation information I had requested. XXXX stated Common Wealth Finance had sent 2 request to their back office to send have the validation information mailed to me however she had not seen notification in her system that the response had been mailed to me. I also informed XXXX the company violated the FCRA when they did not allow the 30 days for me to respond before reporting this debt to the credit bureaus. XXXX stated the debt was not reported until XX/XX/XXXX which is incorrect according to my credit report notifications. XXXX stated this was an error created by the credit bureaus. XX/XX/XXXX I contacted XXXX, XXXX and XXXX inquiring about this collections account being added to my credit profile. All 3 credit bureaus stated the collections company reported the account to be added to the account in XXXX.
Product: Debt collection

I received a phone call. The woman on the other line asked to speak to XXXX XXXX, I confirmed that 's me. She immediately requested that I verify my mailing address. I then asked her who she was calling from. She stated " Vision Financial '' I asked why she was calling, and she hung up on me. Upon conducting further research, I found consumer reviews which led me to believe that Vision Financial is a collection agency well-known for failure to provide information about the debt, attempting to collect expired debts, and using strong-arm tactics to collect.
Product: Mortgage

Hello, I applied for a HELOC with Discover Home Loans # XXXX on XX/XX/2020. I was told this would only take a couple of weeks and of course it is now XX/XX/2020 and my application is being stalled due to negligent venders and or staff. My current home was originally cosigned by my uncle who passed in XX/XX/2020. We had joint tenancy and upon his death the property reverts back to me ( by the way I am in the state of NJ ). I have already refinanced my first mortgage and closed on XX/XX/2020 in my name only. At the start of the application they were provided with my uncles death certificate. They have also been provided with the new Payoff letter for the old mortgage as well as the new recorded mortgage documents. About a day or two ago I emailed my contact XXXX XXXX to see what is the hold up. Yesterday, he called and explained they were trying to clear liens/judgments on title that may be in the same name as my uncle and needed his SSN and birthday. So i brought it to his attention that the death cert was already provided which plainly stated that information. Then he calls me back to say that now the title company needs my uncle 's will and probate documents. As our title was held in XXXX XXXX, my property is not included in the probate and as I previously mentioned is already back in my name only. I emailed XXXX XXXX to request the contact information for the title company, who clearly doesnt know what they are doing. To which I was emailed that they can not provide me the contact information for the vendor. Excuse me! I am a customer and the title company that is completing a title for my application cant be disclosed to me? At this point I am just livid!!! They need to get it together, consult with their legal team so that someone with some sense can inform them that my property does not need probate and is already out of my uncles name. They need to stop stalling my application and move it along, quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My husband 's check was direct deposited in Chime app. The morning of XX/XX/2024. I called to have them help me transfer funds to my Chime account because he had not yet received his card. The transfer was transferred into wrong account by me. I have tried numerous times to customer service to help me get monies back. They say they can't do anything but send a refund request to persons account it went to. I have made several requests to that account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date was XX/XX/2022 I send off a letter about Inquires. I never got report about the Dispute and the False Inquiry was not remove from my credit report. Equifax is in Violation of this they aer reporting false, misleading information on my credit report. 

All inquiry did not consent to unauthorized inquiry All inquiry are misleading false fraudulent reporting Under 15 U.S Code 1602 ( p )
Product: Credit card

I opened a Business account on XX/XX/XXXX with Sam 's club through Synchrony. They send the card and I wanted to change the mailing address. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I was told they needed to verify my identity on XX/XX/XXXX through a video including my ID in which I did and still they are not able to find that information. Then then told me to send in a letter requesting to change the mailing address I did that on XX/XX/XXXX called back to confirm they have received then said no then called the next day by fax was advised yes, but now i need to put on letter head. XX/XX/XXXX I put it on letter head called back and two people confirmed it was received but now need time to update in the system called back today and now they dont have it in one dept but the other dept within company does now they want me to do another ID check and resend by email to another dept. 

Very unorganized company they are different departments that does not know what the other is doing. I have been getting the run around for three months now I have done everything they requested and now another manager is advising me to re send everything again I told them to cancel the card and correct my credit report to not show the decrease in points if they are not going to provide me with the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$710.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Unauthorized Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that I noticed when I reviewed it on XX/XX/XXXX. I did not authorize these inquiries and request that they be removed immediately in accordance with Section 15 USC 1681b. 

The unauthorized hard inquiries are as follows : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX / XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX via XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX via XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX These inquiries were not authorized by me, and I kindly request your assistance in having them removed from my credit report. Unauthorized inquiries can negatively impact my credit score, and it is essential to address this matter promptly. 

Please confirm receipt of this letter and keep me informed of the progress and outcome of my dispute. If you require any additional information, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX
Product: Student loan

I received a letter from Mohela on XX/XX/2023 stating that my student loans were forgiven and that changes would be made to my account within 90 business days. That would have been on or around XXXX XXXX. That date has long come and past with no resolution. I have called Mohela at least a half a dozen times and get varying and unhelpful answers. They tell me that they are waiting on the Dept. of Education and there is nothing they can do, but when I call the Dept. of Ed., they tell me I have to call Mohela and have to work with my loan servicer. It is a completely frustrating circle of dysfunction. 

Meanwhile, student loan payments have restarted, and I am now incurring interest on loans that were supposed to be forgiven. I also originally received a bill that included the forgiven loans. I called Mohela about that and they placed those loans on an " administrative forbearance. '' I think received a letter from Mohela stating that such a forbearance can negatively impact my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit card report shows me having late payments since XX/XX/2014which were not my fault. 

Many times I ould go into a XXXX XXXX branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from XXXX XXXX telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with XXXX XX/XX/XXXX. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response
Product: Money transfer, virtual currency, or money service

XX/XX/2019 Money order # 1 amount : XXXX Money order # 2 amount : XXXX Company : Western Union money transfer I tried contacting customer service they didnt help.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of identity theft and request the immediate blocking and deletion of fraudulent accounts appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these specific accounts removed from my credit file, as they were not authorized by me and are a result of identity theft. 
The fraudulent accounts in question are : Accounts to be Deleted : XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX XXXX - XXXX - XXXX - {$270.00} XXXX XXXX - XXXX XXXX XXXX - {$750.00} XXXX XXXX - XXXX - XXXX XXXX {$5000.00} Inquiries to be Removed : 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