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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX & XXXX is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.
Product: Payday loan, title loan, personal loan, or advance loan

Repeated phones calls aggressive approach threatening legal actions gir 3 missed payments through fault of not my own and doesn't listen to detail description or proof calling at wrong times when I'm working causing disruption at job by distracting me by obsessively calling from 6 to 8 times a day or until I answer if I answer unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than th e one li sted on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there  is not one but I  requested it just in case I was  XXXX . I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge of them, and the company acted without my consent.
Product: Student loan

Repayment status since XX/XX/XXXX, IBR payment {$0.00} + PSLF enrollment. 
I was put into an un-requested administrative forbearance in XX/XX/XXXX due to Chapter XXXX notification : qualifying PSLF payments are not being counted for this time frame and another time frame in from XX/XX/XXXX to XX/XX/XXXX due to employment change. XXXX got the certification from BOTH employers, there was no break in employment. 

The Mass. Attorney General Sued XXXX XX/XX/XXXX for : For borrowers on track for PSLF, the lawsuit alleges that XXXX XXXX   engaged in a variety of activities ( such as paperwork delays and erroneous determinations ) that forced people into forbearance instead of qualifying PSLF payments, or it failed to properly count qualifying PSLF payments. These actions caused thousands of PSLF-eligible borrowers to be in repayment far longer than they otherwise would need to be under the program.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 3 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Product: Credit card

I have made 3 purchases using this card, using capital ones offer website in order to gain rewards back but they have failed to provide the advertised rewards on two occasions. I contacted them via chat and they admitted it was difficult to track and could provide no answers why. 

XXXX XX/XX/XXXX ( XXXX ) paid out correctly. 

XXXX XX/XX/XXXX ( XXXX ) and XXXX XX/XX/XXXX ( XXXX ) did not pay out, despite getting a reference number and purchasing using the link provided. Please see the screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft I have been victim of identity theft please remove these accounts immediately. The credit reporting agency 's needs written instructions to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority which violates 15 USC 1681b ( a ) ( 2 ). Please view the attached letter to see the accounts that are in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX
Product: Debt collection

The amount is XXXX dollars for almost five months and a dispute this collection I don't amount is not mind I am to remove the collection from my credit report
Product: Checking or savings account

XX/XX/19 BMO Harris allowed my transfer of $ XXXX from XXXX  XXXX XXXX opening an account. 
Shortly thereafter, my account was frozen by BMO Harris ; their fraud department determined more information was  needed to verify my address. This is partially understandable given I was in the process of changing my residency from XXXX to XXXX, but at time of transition most, if not all, of my personal information was under my XXXX   address. In order to free up my account they required among other things, a bill that was associated with the address. I dont have any utilities in my name, thus preventing me from being able to unlock my account. It has now been almost two months since my account was frozen and I have made multiple calls to their fraud department ( that have gone unreturned ) and they have provided no alternative means of resolving this. Ive contemplated legal action, but I am mostly frustrated and just want my money back at this point.
Product: Credit card or prepaid card

I receive a product that was defective ( did not work as advertised ). 
I complained to the merchant but after protection time expired, they stop responding to my messages. I filed a charge back request with the Capital One, but they denied it. The original request was via fax, but I wanted to submit screen shots and pictures that show that the product was defective. After I complained the second time, they allowed me to upload the files that can clearly show that the product was defective. They still denied my claim. 
They want me to pay for a defective product ; this is a violation of the Federal law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and I seen I had credit inquiries from company 's that I never heard of or never gave permission to pull my credit.
Product: Debt collection

I have received multiple calls from  XXXX  - Penn Credit Corporation. They always hang up if I answer the phone, but if I do n't answer the phone they leave an automated message telling me to call them back about a debt that is owed. When I call them back they refuse to give me any details of the debt unless I provide a variety of personal information about myself. I refuse to do that as I believe their company is conducting some sort of a scam. I told them I do n't owe any money and I pay all of my bills. I have n't received anything in the mail regarding a debt. They ask for my mailing address. I do n't give it to them because I believe this is part of the scam they are perpetuating. I have looked them up online and all of the comments seem to point to the same conclusion - scam. Please have them stop calling me, and if possible shut them down before they rip any more people off.
Product: Money transfer, virtual currency, or money service

WITH DATE XX/XX/2022 I SEND MONEY TO THE COUNTRY OF XXXX {$620.00} ; WITH A VALUE OF {$9.00} IN VALUE CHARGED FOR AN EXPRESS TRANSACTION THAT IS TO SAY IMMEDIATELY, IN THE REMITLY PLATFORM THEY INDICATE ME THAT THE FUNDS WILL BE DELIVERED ON XX/XX/XXXX AT XXXX, WHICH DID NOT HAPPEN. 
on tuesday, XX/XX/XXXX, i called the REMITLY COMPANY TO CANCEL THE TRANSFER WHICH WAS CANCELLED WITH AN E-MAIL TO MY E-MAIL XXXX AT XXXX AND THAT MY MONEY WILL BE RETURNED WITHIN 10 BUSINESS DAYS. 

MY SURPRISE IS THAT TODAY XX/XX/2022 I RECEIVE A MAIL FROM REMITLY WITH TRANSFER NO. 
XXXX, THAT THE FUNDS WERE DEPOSITED TO THE ACCOUNT I REQUESTED TO CANCEL YOUR TRANSACTION. 

I PROCEEDED TO CONTACT THEM BY TELEPHONE AND THEY TOLD ME THAT THEY CAN NOT REQUEST THE RETURN OF SAID MONEY AND THAT THEY DO NOT HAVE A TOOL THAT CAN GIVE ME A SOLUTION TO MY REQUEST. AND THAT THEY ARE VERY SORRY THAT THIS HAS HAPPENED AND THAT THEY SUGGEST THAT I CONTACT THE PERSON WHO RECEIVED THE MONEY AND SEE HOW TO SOLVE THIS DEPOSIT. 

FOR THIS REASON, HAVING HAD AN INADEQUATE RESPONSE, BY IGNORING NOT TO CONTINUE WITH THE TRANSACTION, I REQUEST YOU AS THE GOVERNING BODY OF THE FINANCIAL INSTITUTIONS OF THIS COUNTRY, TO TAKE THE NECESSARY MEASURES IN ACCORDANCE WITH THE LAWS AND REGULATIONS ESTABLISHED AND THAT THE COMPANY SHOWER MAKE THE RETURN OF MY MONEY SENT ABROAD WITHOUT MY APPROVAL. 

GREETINGS, Translated with XXXX ( free version )
Product: Credit card or prepaid card

On XX/XX/2022 I used the service of XXXX XXXX to send money to family. The company gave me the option to draw directly from my savings or use a credit card or pay cash in a facility. I chose the credit card because XXXX XXXX offered a promo code to reduce their fee. Today when I paid my monthly credit card bill I noticed that my outstanding balance was higher than I anticipated. I called and was told that my XXXX XXXX transaction was classified as a cash advance. Bank of America had assessed a cash advance fee of {$43.00}. In addition interest accrued to over {$16.00} would be charged on my next statement. I immediately paid off the XXXX XXXX balance and requested that the fees be adjusted explaining that this was a service which I paid for using my card as a convenience. Not a cash advance. The representative refused. I closed my account. But I feel it is not fair to still have these fees pending. It is not made clear that this service is considered a cash advance. I pay my card off every month. I had multiple options to pay. I feel the charges are excessive and deceitfully charged
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX with GM Financial in XX/XX/XXXX0f XX/XX/XXXX. The account number was XXXX. Not even ( 2 ) weeks later XXXX XXXX, swapped out the vehicle on that lease for a new XXXX XXXX because the original was a lemon. The new account number is XXXX. From the time that I signed the lease paperwork for the 2nd XXXX XXXX  up until XX/XX/XXXX, I made ( 5 ) payments. Then all of the sudden GM Financial had issues with something that XXXX XXXX did or did not do. GM Financial obtained my XXXX XXXX credit report by pulling a hard inquiry without my OK on XX/XX/XXXX. That inquiry is still there. They seemed to have fixed the issue with the ( 2 ) accounts. But NOW THEY ARE SAYING THAT I HAVE A PAYMENT DUE on XX/XX/XXXX. I am PAID ON MY ACCOUNT UNTIL XX/XX/XXXX. As stated above, I made ( 5 ) payments! GM Financial needs to find the 5th payment, because they got my money, and apply it to my account BEFORE the account shows as past due.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. XXXX XXXX ( XXXX ) and XXXX XXXX XXXX This is a matter of serious concern regarding my personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry about a XXXX credit card with USbank that has shown up on my credit report on XX/XX/22. I did not apply for this card and it was applied for under the incorrect name.
Product: Debt collection

Some time back I had obtained a payday advance loan. Due to some financial issues, my check was likely returned but I never was contacted about the issue. A couple years later I start receiving phone calls from an unknown number saying they are trying to locate me to get me processed with the county. They are calling anyone that is listed as a possible association using public record data and not utilizing the references I listed when I obtained the loan, telling them there is an action pending against me with the county, making it sound like its a criminal action. I asked them for their company name and mailing address but they refuse to tell me, saying they are the Proceedings Office
Product: Credit reporting

my credit report has a charge which is not mine, listed under a person with a wrong date of birth, as per the Transunion representative I spoke with. He did not help me, states I need to send them a letter with this info on it, They made the mistake! This needs to be removed from my credit report!
Product: Mortgage

I pursued a fruitless attempt to apply for a loan modification and assumption - which resulted in CFPB complaints XXXX and XXXX During the review of those complaints, it became apparent there was no hope of getting any result from Wells Fargo and I withdrew the applications for modification and assumption. I also, as the XXXX of the estate which holds the mortgage, requested covid forbearance on behalf of the estate, which has suffered economic setbacks due to the pandemic. My first attempt on XX/XX/XXXX resulted in an hour-long phone call in which the representative continually deflected my request and attempted to cajole me into continuing with the pointless modification. When I steadfastly refused, he claimed the request would have to be reviewed by the loan investor. That is blatantly false, and in conflict with both the CARES Act and XXXX XXXX guidance. He further claimed I would hear back for " confirmation '' by midday the next day. No further communication was received. Therefore on XX/XX/XXXX, I called again and made it clear - again - my applications were withdrawn and the estate was requesting forbearance. The representative appeared toprocess the forbearance request. However, the letter received indicated I personally had requested and received the forbearance, which is not correct and more importantly not sufficient for administering the estate. Further, I received no documentation that at my request the modification and assumption applications had been withdrawn and were fully cancelled. Upon receiving the XX/XX/XXXX letter ( on XX/XX/XXXX ), I immediately alerted XXXX ( XXXX ) different XXXX of the unacceptable nature of the letter and the need for written documentation of my requests for withdrawl/cancellation being satisfied, I received nothing until today ( XXXX ) in the " response '' to the previous complaints. What is provided is not acceptable. A letter documenting the XXXX has been granted forbearance must be issued. WF was only too happy to play games about the estate being the holder of the note when it suited them. They now need to follow the same rules when it doesn't. Further, they need to provide clear and concise documentation that at my request, any and all applications for modification and/or assumption of the loan by me have been withdrawn, and the note and associated account remains solely with the estate of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX XXXX XXXX XXXXXXXX Act # XXXX XXXX Act # XXXX XXXX Act # XXXXXXXX XXXX XXXX Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX  Act # XXXX XXXX XXXX Act # XXXX XXXX XXXX  Act # XXXX 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: Vehicle loan or lease

This complaint has to do with an auto loan through Bank of America. On XX/XX/2021 we paid off our auto loan due to Bank of American in the amount of {$2800.00}. Bank of America also deducted our auto payment on the loan the same day in the amount of {$360.00}. A paper check was issued in the amount of {$370.00}. On XX/XX/2021 our account became overdrawn because Bank of American withdrew another {$370.00} for the auto loan which was paid off in XXXX. After a phone call the money was electronically returned on XX/XX/2021 and we were told the electronic payment was turned off. On XX/XX/2021 Bank of America has again taken {$370.00} from our account. We no longer have a loan and therefore do not owe the bank any money. The bank is now holding our money claiming that the burden of proof is on us to demonstrate we have not received the money. We can not get them to release the funds back to us or agree to repay the money. We have no account with them whatsoever and they have illegally taken money from our account. We need assistance.
Product: Debt collection

XXXX XXXX XXXX XXXX SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA
Product: Vehicle loan or lease

I was looking to get a scooter with the cash I had on hand somehow I ended up with a motorcycle with a {$10000.00} price tag. The sales person got a credit line of {$10000.00} for me from the bank. the bank was capital one and XXXX XXXX. I know it was my fault, to begin with, to trust these guys, I didn't realize until I realize that I have to make the monthly payment on a motorcycle that is not even suitable for me. So I contacted the bank and asked them to take the motorcycle away and to settle the account. I tried over and over again but they never showed up to pick up the bike. I had cash {$3000.00} when I first started looking for a scooter but at the end, I ended up with a {$10000.00} debt. I even asked them to let me sale the vehicle to someone, but they will not release the lien. 
if you need more account detail please let me know.
Product: Credit card or prepaid card

On XX/XX/2020, I mailed a cashiers check in the amount of {$1200.00} to Capital One to settle my account. I was told by a Capital One employee that I had to mail this check. Using the P.O. box address given I mailed the cashiers check overnight which should have arrived at Capital One no later than the XXXX of XX/XX/2020. I have tried repeatedly for someone to find out what happened to the check and why my account had not been credited accordingly. I have been patient  for 19 days for a check that I learned was cashed on XX/XX/2020. The dispute team had the audacity to ask why I was rushing this which was very rude and in no way helped to locate the check that was mailed to a Capital One P.O. Box. One supervisor from the dispute team told me that there is no number to call to contact the person that retrieves the mail from that box or the overnight address. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 

2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XXXXXXXX XXXX XXXX