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

My legal identity is XXXX XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, my social has been compromised also, and only want this information on my credit report, legally everything else is considered fraudulent
Product: Vehicle loan or lease

To whom it may concern. 
I XXXX XXXX had a loan thru one main financial. On XX/XX/2020 it was transferred on to me ex gfs car that she received from me.recieved a paid and full and lien release on my loan.i have the title and lien release on my truck from one main financial. I work on XXXX XXXX and came home onXXXXXXXX/2020 found my truck to be gone and one main financial repossessed my truck. When I contacted them they said I had a second loan thru them.i have never taken a second loan from one main financial. If so I would not have a clear title to my truck.they require a title to receive a loan.i have only been in one main financial one time ever and they only give loans in person.thank you for looking into this
Product: Mortgage

Hello, I am writing you do to the fact of my husband is a XXXX veteran, he was working a full-time, part-time job and going to school to obtain his XXXX degree. We purchased a home in XXXX of 2014. He then lost all of his employment in XXXX of 2014. He has been diagnosed with XXXX and is unemployable. he is now receiving social sercurity benefits and a small percentage of VA benefits. As soon as he lost his jobs he contact the mortgage company on any type of help or programs that they could provide. we were turn down for all possible programs. I am writing you to see if there is any help you can provide for us as to lower our mortgage to about {$500.00} or less. so, it can be easier to pay the mortgage. we have checked and the value of the house is less then its worth. we want to be able to stay in our home.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus ( XXXX, Equifax and XXXX ) have reported a XXXX  XXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : XXXX XXXX XXXX XXXX.
Product: Student loan

I have time periods on my credit report where this student loan is being reported as late. I 've never been late on payments and recently paid it off. When I was not actively making payments, I was in deferment. I contac ted USA Funds to resolve the issue and have yet to receive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


EQUIFAX - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor XXXX XXXX XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX  XXXX  Inquiry Date : Doesnt show Creditor : XXXX XXXX Inquiry Date : Doesnt show XXXX  - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

Around   XXXX   of this year, I pulled my annual credit reports and noticed a collection on my   XXXX   report. The amount at that time was for around {$3500.00}. I disputed this immediately with   XXXX   and also sent a debt validation notice to this company. I have not received a response from the company as of today. I have also disputed this collection twice with  XXXX . Both times the collection account as went up in amounts. This is a very unfair practice of not validating debt.
Product: Credit reporting or other personal consumer reports

ATTN : DISPUTE/XXXX XXXX XXXXXXXX RE : FRAUDULENT HARD INQUIRY/COLLECTION Please be advised that as of ( XX/XX/2023 ) as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries/collection listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Product: Student loan

I have no been able to repay my student loan and it keeps changing carriers. Further more the interest and penalties now are more than double the principal. 

I understand they are calling me however, Allied Interstate LLC has been calling someone else with a similar name that works for my company. I have no affiliation with this person 's phone number and live 800 miles away from this person. The only link that we have is that we work for the same company.
Product: Debt collection

I had an account with XXXX XXXX which was opened in XXXX or XXXX. I defaulted on the payments in XXXX or XXXX. The account has apparently been sold to a collection company, ERC, without my knowledge. No one has ever reached out to me in reference to the old account, and now I see that it has shown up on my credit report with new activity in XX/XX/XXXX. That is inaccurate and I would like it removed from my credit report.
Product: Credit card or prepaid card

It's about a previous complaint against TD bankXXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX Account XXXX In XXXX ), which TD bank claimed in their response that they have fixed the issue already. 
As you can see from the most recent statement attached ( XXXX statement ) and the most recent minimum payment ( XXXX ) that they have not! 

1.Still, I am being charged for the returned item ( XXXX XXXX phone ) for the amount of {$1100.00}. ( Credit plan # XXXX in the XXXX Statement ) 2. They did not apply the monthly minimum payment due for the remaining balance of {$97.00} to {$2.00} as per their response ( credit plan # XXXX ). 
You can till from the attached screenshot of the XXXX minimum payment. 

3. Td bank is charging me for late payment fees of {$29.00} for these previous issues ; hence, I just paid for the right balances ( {$100.00} ) not the whole wrong minimum.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit card or prepaid card

Back in XXXX of 2016 I got an offer to transfer balance and get interest free for 1 year. I thought this was something that could help me get my bills lower, however due to deception I did n't realize that when I make the payments Discovers computer will pay down higher interest first, meaning that unless I paid all the previous balance first. So I transferred XXXX dollars and later found out that I had been tricked and ultimately got no interest free promotion on the XXXX dollars and ended up paying full interest. Discover hires smart people to think this up and they know exactly how it will play out.
Today I found that 2 payments were made for the monthly payment. I had thought I was going to be late in the month of XX/XX/XXXX and called Discover to see if they could deffer the payment for 1 month. They would not do this and instead talked me into setting up an auto pay for the following month. This is not what I wanted, but the gave a XXXX dollar credit ( still not exactly sure why ), and talked me into the autopay. I ended up making the payment on time and called to cancel the autopay and for some reason it was not canceled and rather they rolled it over for another month. This is not what I wanted and not what I called about. But because Discover wants everyone on autopay they pushed back and ultimately did cancel the auto pay which was the ONLY reason i called that day. Today I had to spend almost 2 hours getting discover to fix their mistake. This involved a conference call with my bank to be sure the payments really went through ( guess they did n't believe me ). They wasted my time and I want compensation for this gross waste of my time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} LVNV Funding {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One Auto Finance ( COAF ) of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX  credit reports XX/XX/2018 related to that fraudulent application. An official dispute was mailed to COAF XX/XX/2018 and as of this date COAF has failed to reply or provide a response to the status.
Product: Mortgage

I recently found out that I had a " 60 day late '' on my loan. This came from when PNC bank took over servicing my loan from the previous company. I have always been an auto pay customer with perfect credit. The PNC takeover undid my auto pay, and due to a mix of poor communication and confusion, my first XXXX payments with PNC were " missed. '' The second it was clear what happened I talked to an agent. She said that she understood the situation, that these things happen, and that there would be no late fees ( I took this to mean we were all set and I was in the clean ). I immediately sent an electronic payment for three months worth of the mortgage and set up a new auto pay. Throughout this whole period I had about 20-30 times the monthly payment available in my checking account. 

Once I discovered this issue I went though a couple of unhelpful calls with the bank before being told I had to submit my story in writing to request a goodwill or courtesy adjustments. I submitted a long letter documenting the whole story and showing my auto payments in the months before they took over and after. I also shared with them my account balances throughout this period. It would be clear to anyone who took the time to read or think what happened and that this whole situation was confusion over auto payments. 

After about two or three weeks they replied to my XXXX page letter full of documentation with a XXXX sentence form letter that offered no indication that they even considered my case. They simply denied my queries and declared the case closed. 

Their communication through the period has been horrific and the complete inability to talk to anyone who has anything to do with the credit agency reporting extremely unhelpful. I ca n't say enough bad things about them. I am a sophisticated person with a XXXX and no actual financial problems at all. I ca n't imagine how they must abuse and take advantage of other folks who are no so lucky and do not have the time or resources to pursue complaints. 



sent an electronic payment for three months worth of payments.
Product: Payday loan, title loan, or personal loan

I received a loan offer in the mail for a company called Regional Finance Corporation of Texas. The single worst evidence of predatory lending I've ever seen in my life. In these uncertain times with millions of people out of work it made me angry enough to take the time to report these scumbags. 

A {$1400.00} check at the bottom of the page. A real check, all you have to do is deposit it, which I am pretty sure is, or at least was, illegal. I wasn't about to take a loan from some random company, but there are people out there desperate enough to do so. Out of curiosity about what I was sure was ridiculously high 30-something percent interest rate I flipped it over. 69.99 % APR!!!!! Plus {$890.00} in processing fees!!! That comes out to repaying the loan to the tune of {$3200.00}!!! How is this not wholly illegal! I'm disgusted by the rank greed of these people trying to take advantage of struggling Americans in this time of national crisis. Please take action against these terrible people. 
Here is the contact info for the company. 

Regional Finance Corporation of Texas XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I opened a checking account with chase and received my ga department of labor deposits in it. But because it was a large amount chase said they no longer wanted to bank with me and said they would be closing the account and mailing me my remaining funds. Its been over 30 days now iv been going back and forth with this bank for my funds and am now being told that the account was closed but that my funds are now being held because the account is under investigation. I had a branch manager verify the deposits and my unemployment that I received into the account but there now even telling him they cant do anything they cant give me a time frame they cant expedite the case nothing. I cant speak to anyone over the investigation and can only provide limited documentation due to ga department of labor offices being closed due to covid-19.
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   XXXX   in  XXXX .  XXXX   XXXX   XXXX   XXXX , SD  XXXX  made unauthorized payment on my account on  XXXX   XXXX   XXXX  when I called in they tried to blame me for making the authorization while i did not even initiate anything. on   XXXX   XXXX   XXXX   they send me an email asking to pay a minimum amount of  XXXX . This company is making fraudulent transaction and authorization without the knowledge of their customers to ruin their credit history.   Although, my account is a roll over account showing that minimum payment of  XXXX  is due every month.
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving the users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account of XXXX XXXX was open on XX/XX/2013 and don't remember having any business with XXXX XXXX at that year. As a consequence, I decided to dispute this account with the Three Bureau credit report XXXX, Experian and XXXX. I requested each bureau to provide me a copy of all documents that they have in their file that they used to verify the accuracy of the dispute account. They always reply with " Information on this item has been updated or This account has been verified but never send any documentation to verify the accuracy of this account. They were unable to provide me with a copy of the verifiable that they have on file because this account doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit report in XX/XX/XXXX from a XXXXXXXX XXXX XXXXXXXX XXXX I notice it was a couple of late payments and it looked like it had been opened since XXXX of XXXX. I didn't know about this because I don't have credit monitoring services. I contacted XXXX on XX/XX/XXXX but I was told by customer service I would have to send in a fraud affidavit with the fraudulent information because I didn't have the account information. I sent over my fraud affidavit along with a copy of my ID and a letter explaining I was a victim of Identity theft, it was received by the credit bureaus on XX/XX/XXXX and was verified as accurate on XX/XX/XXXX. I never received anything from XXXX, not a phone call or a letter. On XX/XX/XXXX, I sent the same documents over to the bureaus and on XX/XX/XXXX, the account came back verified again and the same thing, nothing from XXXX. On XX/XX/XXXX I sent the same documents again to the credit bureaus and XXXX verified the account as accurate on XX/XX/XXXX. I am now sending documents directly to XXXX and filing a complaint because I don't know exactly what to do at this point. It is hurting my credit score and hindering me from obtaining any kind of credit at this point.
Product: Bank account or service

RE : XXXX amended this complaint to note that Ally refused to refund monies to my account that were fraudulently charged by XXXX XXXX XXXX repair. XXXX badly scratched my glass lenses, refused to refund my monies of {$55.00}. I completed a XXXX page form for the bank and they did nothing. The glass lenses can not be photocopied and sent to the bank which they improperly requested. As it turns out, this merchant has a reputation for this conduct and is being sued by their former parent company for this fraudulent conduct. 
I have never been put to this trouble before by a bank. I want the monies refunded NOW. 
Neither has Ally reopened my account. It was overdrawn by just {$6.00} because I was waiting for refund to be made which the bank did receive. I was also waiting just a few days for my SS check to be deposited. when a single person names XXXX closed it on his own accord per my earlier complaints about their poor customer service. I WANT ACTION NOW!!!!! not later
Product: Mortgage

My family and I have lived in XXXX county all of our lives, and I purchase my home, planning to stay here my retirement years. Like you I actively participate in my local community, by volunteering my time at our local hospital, school and homeless shelters, But now I 'm the one needing help, I face losing my home to foreclosure and may end up on the streets. I am a good citizen and hard worker that has fallen on hard times. My loan servicer, Bank of America closed the door on communication when I tried to get assistance on my mortgage. I was completely shut down while I was making my trial payments. I am now in a situation where I am holding on to my home by a thread, when all it would have taken was a little bit of effort on the part of Bank of America to provide me access to available assistance programs for homeowners. It has been a very difficult time for me as I struggled to get back on my feet financially and attempt to save my home. 
I 'm a victim of the mortgage dot-com bubble burst, housing market crash. I began struggling financially and took a toll on my health. I was laid off from work, and during this time my oldest son and nephew moved out. I was diagnosed with XXXX and XXXX XXXX. I 'm under treatment and medications. 
As the mortgage Industry collapsed, the work slowed and then stopped in 2008. I was laid off, collected unemployment. After my UE benefits exhausted, I had to take other jobs that were stable, but paid less than I was use to making and could not keep up with my mortgage payments.I reached out to Bank of America for assistance ; I was wrongly advised by Bank of America representative by recommending I fall behind 90 days or more in order to be reviewed for help. They review and qualified me for a loan modification options. I made my payments for 5 months, and due to the improper communication, Bank of America disqualified me and pull me out of the program. My loan should have been review for a permanent loan modification or retention options after the third payment. 

Bank of America has refused to work with me on my loan and I feel that I need my issue elevated to an executive level. I have been able to speak with above the line staff level and I was hoping your office could intervene and get me someone who could take my matter seriously and speak on my level. I should have never had to go through the difficulties they put me through and it looks like they got about XXXX to help homeowners. It appears that my loan qualified for government modification programs when I reached out to them in the past. Now they are trying to take my home away through foreclosure. It 's their fault that I am so far down the road and behind on my payments because they should have helped me years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX ( Account # : XXXX ; Balance Owed : {$550000.00} ; Date Opened : XX/XX/2022 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

in accordance with the Fair credit reporting act XXXXt account with XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.