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

Thank you in advance for your help in this matter, in short, Rocket Mortgage or it's affiliates stated they would inquire on my XXXX XXXX time and they inquired 12 times or more without my permission in less than 30 days. 

Rocket mortgage told me don't worry that my credit is no longer affected by their errors or fraudulent inquires because they are a year old... but they are still affecting my credit score in a massive negative way. 

The excessive inquires started on XXXX and went through XXXX " Rocket Mortgage also told us that even though they should not be effecting my credit score they will not write a letter and remove these erroneous excessive credit pulls because they might be affecting my score. '' This is the only thing that is affecting my score negatively and my score is XXXX points lower for a year and a half and has cost me in many ways including higher insurance, higher credit card rates, loss of benefits, reduction in work opportunities and reduction in ability to qualify for community service work such as foster care respite care. 

Please help by requiring Rocket Mortgage to write to all three credit agencies and remove all but one of their hard inquires that they state shouldn't be affecting my credit anyways, but clearly it is, after having a credit expert review my entire financial status. 

in friendship, XXXX
Product: Credit reporting or other personal consumer reports

I feel that I was negatively impacted, hurting mychances at credit after receiving a response to myearlier dispute that the accounts were verified.Please provide proper and true proof or deletethese accounts. Thank you
Product: Mortgage

We applied for a loan modification, jumped through all the hoops. Got approved but they backdated the modification that had us three months in arrears. They will not help to make the modification current and have turned it over to their lawyer. They are not willing to help or adjust the modification, even after putting in a new modification and dispute. They are not willing to work with us with our loan.
Product: Money transfer, virtual currency, or money service

I attempted to purchase nail polish from XXXX XXXX XXXX and I paid XXXX on XX/XX/XXXX. When I hadn't received my purchase, my first email went to Pay Pal, dated XX/XX/XXXX. PayPal responded on XX/XX/XXXX to say that I should still wait for the product but I could escalate the issue with them by XX/XX/XXXX. On XX/XX/XXXX, still not receiving the product I emailed PayPal again to receive assistance with the matter and they again mentioned the escalation that had to occur by XX/XX/XXXX. On XX/XX/XXXX, I again contacted PayPal and asked what else do I need to do to escalate the issue since after 3 emails, all I was getting was the standard email regarding escalation. I stayed on the site there and emailed on another part of the site asking for " escalation '' process or link and noting my previous emails. On XX/XX/XXXX, PayPal emailed me to say that my case was closed and could not be reopened since I did not escalate the matter. Angry that day, I again emailed and left my phone number for some resolution and to this day, have not received any assistance or response and have not received my product. 

I'm writing to you for assistance.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. This issue is putting financial stress for me and my family and is tampering with my livelihood. Thank You
Product: Mortgage

Completed online mortgage application online via US Bank Loan Portal, on XXXX/2019.  Assigned XXXX XXXX as the mortgage loan specialist.  Received a voice mail message from Mr. XXXXr (XXXX) and returned call on or about XXXX/2019 and left a voice message to contact me back (XXXX).  No response via phone, mail or email.  Application status is being delayed for no apparent reason.  A hard credit pull was done on XXXX/2019 and impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Ongoing identity theft following a stolen laptop. A fraudulent credit check from an application for a XXXX XXXX card was made and showed up on my Experian report which I was alerted to by my credit card company. I tried contacting Experian multiple times to access my report and place a freeze and fraud alert. Every attempt at online login was met with a message saying they could not verify my identity online and required me to call. I've since called daily for the last two weeks and every time I am referred back to the website to deal with my login issues. The website only refers me to call the phone and the phone is automated and only refers me to the website. I'm dealing with ongoing fraudulent activity on my report and Experian is completely avoidant and unable to be reached. I can't see how this is legal.
Product: Checking or savings account

Have contacted Marcus by Goldman Sachs multiple times using their information XXXX. 

Contacted them multiple times in XXXX and XXXX of this year, letting them know that i needed to update information, even provided account number etc only to be told that they couldn't not pull up anything and instead put me on hold for over 20 mins and then transferred me another person only to be told my account was being closed. 

Was given no warning or notice of any kind and they had my personal cell # on file along with business phone #. Also received a letter about a change of address that I do not recall making. 

Asked if they could verify the other account that it was linked to and they claimed they couldn't verify that despite me letting them know what bank they should have had on file. 

Was told that the money would be sent back to the original account with in 7-10 days after closing. They did not give me a timeframe/date as to when the account would be closed or when I could expect any of my money returned to other account. 

Did provide them with a physical address during last call, ( California address ) to send any documentation /letters to.
Product: Debt collection

On XX/XX/year> Westlake Financial illegally repossessed my car in retaliation to previous complaint filed. They are not a lien holder and the previous contract between Us Auto Sales and I does not serve as a valid contract between myself and Westlake Financial due to contract being voided at closing of US Auto Sales. They are trying to collect on a debt after a business was closed and file bankrupt. They are falsely saying they are acting on the behalf of us auto sales and not Westlake Financial while performing illegal acts., Us Auto Sales company no longer exists. Which is the ONLY lien holder on my title. Per Company response, attached below Westlake states there is no legally binding contract between them and I, only between us auto sales and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT I HAVE NOTICED INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE INQUIRIES DO NOT BELONG TO ME. 
XXXXXXXX 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 ).
Product: Money transfers

On XXXX XXXX, 2015 I submitted a wire transfer through Wells Fargo Bank to a hotel in XXXX. Wells Fargo was given the name of the bank and the account number in XXXX. The transfer said the beneficiaries account would be credited on or before XXXX XXXX. This did not happen. After XXXX XXXX, I was contacted by Wells Fargo and told to have the beneficiary take a form ( that did not reference the transfer ) to the intermediary bank in XXXX. When I sent the form to my beneficiary they refused to go to the intermediary bank and asked why their account had not been credited. When I contacted Wells Fargo 's international department they stated that the intermediary bank merely wanted the beneficiary 's email address and phone number. This was completely inconsistent with their earlier instructions. Because my arrangement with the beneficiary has fallen through due to the failure of Wells Fargo and their intermediary agent, I have asked for the return of all of my funds from Wells Fargo. This they have refused to do, insisting on keeping their fee and charging me for XXXX currency conversions.
Product: Credit card

I ordered clothes 2 times from two separate websites neither of them game me a receipt or shipping number but still took all the money i had one package was around XXXX dollars and the other package was only around XXXX dollars.
Product: Debt collection

Car was repossessed without any notice. Car was taken during the night while I was sleeping, then was told to pay high amount at towing company to release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX  Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Debt collection

I sent an email on XX/XX/year> requesting validation of this alleged debt. I received a response on XX/XX/year> stating that they will forward me the validation but they did not do so in a timely manner. They have never contacted me in writing giving me an opportunity to dispute this alleged debt and they continue to report this account to all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

Information with XXXX into the company the company ranched out by email stating that they could not find the account so if you can not find the account how are you reporting every month
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 and XXXX XXXX XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone number and name corrected on my report as this is a violation of my consumer protection right.
Product: Vehicle loan or lease

I got a vehicle from US Auto Sales and they cut the car off when I was on the highway and I had to rush and get off the highway before I had an accident. Then XXXX days later, I had the car towed to my house ( which cost me, because they said they only cover up to XXXX miles ). Then when I got it home, I called them again and they said they couldnt help me and said my warranty was gone and that they wouldnt give me another vehicle, even though I made my payments. So I had different mechanics look at the vehicle just to find out that they turned the car off on purpose and then they came and took it away. But oh, they said if I made a payment, they would cut it back on and when I did, they still didnt cut it back on and wanted more moneythen they came and took it away. I lost my job and everything at that time because they wouldnt turn my car on and that was messed up. 

So can you guys help me or tell me what lawyer to get for this situationthanks.
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( EQUIFAX ) Never Sent '' periodic statement along with t disclosures from section 1637 I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
XXXX Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

The interest rate on this payday loan in XXXX is XXXX percent I thought it was XXXX percentage not XXXX percentage
Product: Debt collection

In 2018 I was violently ill, I went to the doctor and they thought something was wrong with me. They sent me to get some test one was a XXXX  test at XXXX XXXX XXXX XXXX, They asked for my insurance to get pre approved. I was told I had nothing to pay, They scheduled my two appointments. They said they would collect the money from the insurance company. At no time did they inform me that I had a deductible or anything to pay. I left there office without paying anything after the tests. 

While checking on a claim from another medical provider with my insurance company I was told that the XXXX XXXX XXXX was paid the following by my insurance company {$1200.00} {$1200.00} {$20.00} I started to receive phone calls from National Recovery Agen regarding more payments on the bill, I was told that they are the collection agency for the balance of the bill and I could not call XXXX XXXX XXXX XXXX. I told them I want to get the debt validated and I want the original company contact me. They said I could only speak to them. 

I called XXXX XXXX XXXX to get the debt validated and they told me they don't have the bill anymore that National Recovery is now the party to speak to. They also confirmed they had the wrong address for me. 

At no time was the debt validated, At no time I was told I could dispute the bill, my rights under fair credit reporting was violated. Under the Fair Debt Collection Practises Act, XXXX XXXX XXXX was suppose to inform me of the bill, let me know they got paid before reporting to the debt collector. This was not done. I was never told by the company that my insurance company paid them three big checks. If I had know that I had a portion to pay I would have paid it at that time. I thought everything was taken care of by the money they recived from my insurance carrier. 

I ran my credit report this morning only to find these debts on my credit report. I contacted the original creditor who told me that they indeed got paid, that they had my wrong address, and the debt collecting agency is indeed handling the bill for the balance. I asked how can I have a bill, when you told me that my insurance will pay the bill and you got a preapproval. They said I have to contact the collection agency. 

The debt was never validated, the collection agency contiune to report it every month, I was never given the opportunity to dispute the bills. At no time did the collection agency told me the bill can be disputed. 

I asked the medial company to sent me the bill, they finally emailed it to me after two years today when I told them I'm going to write to the CFPB. see attached I would also like this be sent to each of the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. NEED THIS REMOVED FROM MY PROFILE ASAP. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED MY COMPLIANT AND THEN I RECEIVED THESE LETTERS STATING THAT SOMEONE ELSE SENT THE INFORMATION. I SUBMITTED THE INFORMATION FOR MYSELF.
Product: Debt collection

I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my consumer rights. 

I have sent a request for arbitration and XXXX has so far ignored this request. 

I followed the steps online to start the arbitration and they have since ignored my request. 

Equifax violated my consumer rights by refusing to respond to written letters and only responding to CFPB complaints. They violated federal law stating that if they do not reply within 30 days of a complaint about specified accounts, the accounts under federal law are to be deleted. 

I have already spoken to XXXX about Equifax 's blatant violations of federal law. 

I have attached original copies of sent letters and usps receipt from arbitration request mail For over 1 full year Equifax has violated my federal consumer rights every change they got. I have written to federal and state / civil judges and to multiple attorneys who all have agreed with my evidence that Equifax is in the wrong. 

I demand justice in this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACT : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

FACT : 15 USC 1681 c. ( 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 crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( See Attachments ) Loan Debt XXXXXXXX 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  FACT : ( XXXX ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

FACT : 31 U.S. Code 3123 - Payment of obligations and interest on the public debt FACT : According to Federal Reserve Act Section 16 ( 1. ) Issuance of Federal Reserve notes ; nature of obligation ; where redeemable The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues.

FACT : ( 2. ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

Therefore you should know The original application was used as collateral security and should have been credited to my consumers extended open ended credit account FACT : 15 U.S.C. 1693-1693r : The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error resolution, requires financial institutions and others to have certain procedures for preauthorized transfers, and sets liability limits for losses caused by unauthorized transfers.