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

Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times JXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- Ran XX/XX/XXXXtimes XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I am submitting this complaint regarding a pre-approval denial I received from Capital One on XX/XX/year>, under Request ID : XXXX. Capital One stated that my request was denied based on activity on a prior Capital One account that is not consistent with their expectations for account usage or terms of the account agreement.

Key Points of Concern : 1. I have never held a Capital One account.

2. The stated reasoning for the denial appears to be based on incorrect or non-existent account information.

3. I have reviewed my credit report, and there is no record of any accounts with Capital One. I am attaching a copy of my credit report as supporting documentation.

4. Capital One has failed to provide any detailed evidence to support their claim about prior account activity.

Under the Equal Credit Opportunity Act ( ECOA ), creditors are prohibited from taking adverse actions based on erroneous or inaccurate information. Furthermore, the ECOA requires creditors to provide clear, specific reasons for adverse actions like denials, which Capital One has failed to do
Product: Vehicle loan or lease

On or about XX/XX/19 I sold my car through the service XXXX. As per the agreement they were obligated to submit payoff information to the lender, LENDING CLUB AUTO. After having to demand a payoff letter I submitted it to the buyer, the buyer insisted on having a physical address for overnight delivery and was denied this by the lender. The Lending club corporate office instructed the buyer to send the money to an address which they did. This check arrived via XXXX XXXX and was confirmed delivered and signed for on XX/XX/19. I called constantly to check why the status of the account and why it was late and was given a different story each time. In short nobody could figure out how to allocate the money from what seems like a corporate account to a regional account. After late fees and additional interest kept piling up Finally on XX/XX/19 the account was credited and I received a bill for what is called the outstanding balance. I tried in vane to get a breakdown of what these costs are for and if they are for interest for the 20 days they fumbled the money internally. I can not get a clear answer and do not think I should be liable for what seems like business as usual at lending club which is impeding the ability to pay off loans faster or even on time. the additional cost has been paid as I know it would affect my credit but think the lack of a description or explanation is unacceptable and feel I'm owed a refund.
Product: Credit reporting

On XXXX XXXX, 2016, my husband and I were informed by a leasing agent in XXXX XXXX that incorrect information CoreLogic provided to the owners of the complex resulted in the rejection of our rental application. The cost of this application was {$250.00}. 
CoreLogic falsely disseminated information stating that I have XXXX XXXX XXXX XXXX criminal charges/convictions against me, according to the leasing agent and their consumer relations ' employee. This is completely incorrect. Nothing other than a negligent failure to perform due diligence on the veracity of the information being provided to consumers ' current and potential employers, creditors, landlords and others can explain such incorrect information. 

I encourage -- nay, urge -- you to begin immediate investigation of this company to ensure it is n't ruining others ' lives.
Product: Payday loan, title loan, personal loan, or advance loan

**Complaint to the Consumer Financial Protection Bureau XXXX OneMain Financial** To Whom It XXXX Concern, I am writing to file a complaint against OneMain Financial XXXX which I believe engages in predatory lending practices. My experience with them has been highly distressing and financially damaging. 

In 2021, XXXX authorized a title loan for me that exceeded the value of my car at the time. The loan XXXX failed to educate me about critical aspects of the loan, including the exorbitant interest rates and the availability of hardship insurance. I only discovered that the loan was interest-bearing about two months ago, highlighting the lack of transparency during the loan process. 

Shortly after taking out the loan, I lost my job. Despite this, I continued to make my payments diligently and have never defaulted. When I recently requested an alteration to my payment amount due to my current financial hardships, I was denied because I did not have the hardship insurancea policy I was never informed about. 

The loan process itself was highly irregular and rushed. The loan officer was preoccupied with figuring out how to approve the loan, despite my deceased grandfather still being the owner of the vehicle. He managed to get the loan approved without using my grandfather 's death certificate, which struck me as unusual. A year later, the Department of XXXX required me to remove my grandfather 's name from the title to renew my registration. However, OneMain, holding a lien on the vehicle, initially refused to assist because that would mean giving me my title in order to get the courts to remove my grandfathers name. It took a month of persistent crying and emailing before I could get my registration. 

Recently, I received a credit notification that my loan amount with XXXX had increased. This is shocking and unfair, given that I have been making payments for XXXX years and still have a substantial amount left to pay. When I reached out to debt consolidation companies, I was informed that XXXX does not allow their loans to be consolidated, which is outrageous given that even student loans can be consolidated. 

Had the loan XXXX properly educated me about the loan terms and the hardship insurance, I would have never agreed to this predatory loan. I feel trapped and exploited by XXXX 's practices and seek justice for the financial hardship they have caused me. 

I urge the Consumer Financial Protection Bureau to investigate OneMain Financial for their predatory lending practices and to hold them accountable for their lack of transparency and unethical behavior. I am also considering legal action against XXXX for their predatory practices and would appreciate any assistance or guidance you can provide. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Cash App ( Block, Inc. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ XXXX  ], as evidenced by the attached transaction records. Despite multiple attempts to resolve this issue through Cash Apps customer support, I have received no adequate resolution or refund. 

Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), Cash App is legally obligated to investigate and resolve disputes regarding unauthorized or erroneous transactions. Your failure to provide a timely resolution constitutes a violation of federal consumer protection laws. 

Furthermore, Cash App has faced multiple lawsuits for failing to properly investigate fraudulent transactions and unauthorized withdrawals, demonstrating a pattern of negligence and unfair business practices. If this matter is not resolved immediately, I will be forced to escalate my complaint by filing reports with the CFPB, the Federal Trade Commission ( FTC ), and state regulatory authorities, as well as exploring legal action. 

To resolve this issue, I demand the following actions : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for financial harm, including any overdraft fees, penalties, or missed payments resulting from this issue. 
A written confirmation detailing the corrective actions taken to ensure such issues do not occur again. 
If I do not receive a resolution within 14 days, I will proceed with : Filing a formal complaint with the CFPB at www.consumerfinance.gov/complaint.

Reporting this issue to the FTC at www.reportfraud.ftc.gov.

Consulting legal counsel to pursue compensation through a lawsuit based on violations of consumer protection laws. 
I expect an immediate and fair resolution to this matter. Please respond by [ XXXX 14 days from today ] to avoid further legal consequences. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

Creditors discount and aud. N/A I do not have no acknowledgement of this company or what it is this is identity theft and this is really messing my name and life up and i am willing to take any procedure to get this resolve as soon as possible
Product: Credit reporting or other personal consumer reports

Have other names that's not me listed on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, Experian ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX  and Experian are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want let from XXXX XXXX and previous company due to information that is public that I wish not to release to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/WESTLAKE FINANC Account Number : XX/XX/2020 This is not mine.
Product: Debt collection

This company is very threatening. They are demanding payment. Threaten law suits. Say they will garnish wages. I have stopped answering when they call.
Product: Debt collection

I have request to receive documentation per my consumer rights under ( FCRA ) Fair Credit Reporting Act. copies of paperwork for this account, Mountain Run Solutions account # XXXX which is showing on all 3 credit bureau reports and reporting inaccurately. They will not verify the debt properly ask Ive requested 3 times via mail to request copies of debt, along with requesting all payments made to this account, date of payments posting, method of payments used and verification of those payments made, electronic check, credit or debit cards used. Signatures of contract and location this account and when it was moved from original creditor to this company collection agency. I have attached a preview of disputes through online service, I demand a request for proof of how the credit bureau was contacted, who was spoke to, what number was dialed out to the 3 bureaus, names of agents, ID numbers and the time of each call length, and method of how I was verified. This issue is to be resolved immediately if you feel this is an error, please provide to the everything I requested above, or remove this account immediately from all 3 bureaus. Also after me requesting for debt of validation by mail, they send these text messages listed, is not very secure or private, I have a problem with that situation at that. Also there again in the 2 message screenshots there is no break down or any information that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries 1XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 2.XXXX XXXX  XXXX. 
Inquiry date : XX/XX/XXXX 3.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 4.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 5.XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 6.XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 7XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 8.XXXXXXXX XXXX XXXX   Inquiry date : XX/XX/XXXX 9.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 11.XXXXXXXX Inquiry date : XX/XX/XXXX 12.XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX 13.XXXX XXXX Inquiry date : XX/XX/XXXX 14.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 15.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 16.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 17.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 18.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 19.XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 20.XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX 21.XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted care credit directly to explain to them that I made an payment online. I found out that the payment was not accepted due to an website error. I then attempted to pay the payment in the amount of {$140.00} on XX/XX/2021. I was told that they wouldnt be able to help me remove the inaccurate information from my credit although the payment was made and it was not late do to any fault of my own. I also explained to them that my credit limit is {$3000.00} and not {$1600.00} that they reported to all three of my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of the attached accounts I am requesting them to be removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). My credit card information ( SSN, ID, etc ) was shared without my written or expressed consent. All of the companies and entites listed used and shared my credit card information to create unauthorized charges and to open fraudulent accounts.This is a violation of 15 U.S. Code 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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: Mortgage

My mortgage lender was n't able to provide me details of my payments made every month. I have paid {$10000.00} in XXXX 2016. They applied this amount to my account in some weird way that I am not able to understand. I have called them many times, asked for details but no one explain me anything. When I tried to add all the amount applied it 's not totalling {$10000.00}. So they have misplaced my money.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Payday loan

I started the loan process but I did not finalize it. Then later I find out they sent the money to my bank account {$400.00} and are taking {$140.00} out three times so far. I had bank stop the transactions but informed me that it is very hard to stop the transactions. This is Big Picture Loans ( formerly known as Castle Payday ) is a short-term loan company offering installment, or personal, loans. This is one of several loan companies operated by the XXXX, a federally-recognized American Indian Tribe. ( In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau ) So that is what I am doing right now, filing a complaint to get this stopped.
Product: Checking or savings account

XXXX XXXX adjusts application name from approved to denied. State issued customer 's birth-given name and XXXX XXXX mother of XXXX refuses to comply with US citizen wealth and harasses credit file of customer. Customers first name bracket is [ XXXX XXXX ] and last name bracket is [ XXXX  ].
Product: Debt collection

Recieved a letter from Scheer, Green, & Burke in XXXX, Ohio regarding a debt owed to XXXX XXXX XXXXXXXX XXXX for {$180.00}. This is impossible as I have not lived in XXXX XXXX for XXXX  years. I believe this to be a false claim