23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities 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 isn't shared which is backed by 15 USC 6801 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. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a 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. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made an international cash transfer using XXXX XXXX but through my Navy Federal Credit Union account. The amount was {$3600.00}. 
For some reason that was never disclosed to me, the transaction was canceled by XXXX XXXX. At the time XXXX XXXX told me that I had to wait up to 12 weeks in order to get my money back. 
The 12 weeks elapsed on XX/XX/2021. Several times, I contacted XXXX XXXX and Navy Federal Credit Union in order to get my money back. So far, nobody has been able to tell me where is my money and how to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 and CARES ACT. 

XXXX XXXX XXXX account # XXXX Opened XX/XX/2013 has violated my rights. 

15 US.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 15 U.S.C 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 by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They are also in violation of the CARES ACT.
Product: Vehicle loan or lease

XXXX/Toyota Financial ( XXXX/TFS ) erroneously charged me for excess mileage. I had 2 lease accounts ( for 2 different cars of the same year and model ), and they mixed up the 2 contracts one had 12,000 mi. per yr. ; another had 10,000 mi. per yr. 

As a result, the calculation for my mileage allotment on the one that should have had 12,000 mi. per yr. was way below the correct number. XXXX/TFS claimed I was only supposed to have 33,350 mi. when shouldve had 39,000 miles.

They charged me {$1900.00} which was due on XX/XX/XXXX. 

I called XXXX/TFS on XX/XX/XXXX to help them realize their mistake. I spoke with a rep named XXXX ( XXXX ), who eventually saw the mistake and told me that she has escalated the issue. She also told me to call back in 7 to 10 business days to check on the status. I asked her if I should be worried about the due date ( XX/XX/XXXX ), to which she said no, because the issue has been escalated for correction. 

I called back on XX/XX/XXXX. I was upset to find out that XXXX/TFS had assigned my account to a debt collection company called XXXX XXXX XXXX XXXX. 
Not only did XXXX/TFS not correct their mistake, they even made it worse by saying that they can not help me clear the issue because its with the debt collector now! 

Even my attempts to contact XXXX XXXX to clear my record have been futile. All Ive gotten from them are voicemails because the rep hasnt been available so far when I have called. That, and recently Ive been given the excuse that their system has been down for a couple of weeks, so no one else can help me.
Product: Mortgage

Ocwen continues to refuse to conduct a fair and impartial review of my mortgage history as far as its own handling and with prior servicer Litton. The loan has been reported by them to have been charged off at least 3 different times. In XXXX, XXXX XXXX, XXXX and XXXX XXXX. A Charge-off allows a creditor to take a tax deduction for bad debts under Section 166 of the IRS code. Obviously, it is a violation of Federal Reserve rules and other banking rules, to declare more than one charge-off on the same loan and concomitant write-off as uncollectible. More recently in XXXX, it has notified XXXX and XXXX of yet another charge-off in XXXX and XXXX XXXX. Ocwen 's XXXX XXXX, XXXX notice to me disingenuously attributes its action to a request on my part. I never requested such charge-off but did challenge their refusal to recognize they are time-barred from reporting the loan to credit reporting agencies
Product: Checking or savings account

I opened an investment account with Robinhood I transferred them the money direct from my checking account for {$10000.00}. On the about the first part of XXXX they called and asked me a bunch of questions and I provided them with my personal information including a picture ID. This keep happening they have called me several times with the same questions along with each time they call they change the date when they will activate my account. I am unable to make investments or to close my account.
Product: Credit card

I received numerous offers to open a 0 % balance transfer offer on a credit card. I had several offers but decided to go with a bank where I already had accounts. I was pre-approved for the account and decided to move forward. Once I opened the card, the site said I could not transfer a balance. I called and was informed the account was new and I had to wait a few days. I waited several weeks and tried again. This time, I received the same message that the balance transfer was not available. I called and spoke to a rep who answered the phone and her supervisor. I was told there are no balance transfers available to me. I indicated I ONLY got the card for the balance transfer offer and what happened between when I applied and now. They indicated Capital One can change the terms at any time. This is a deceptive practice. I was deceived to get me to open an account. Now I have a negative inquiry on my credit score for no reason. Capital One needs to honor the promotion they offered. I have been a loyal customer for over 20 years and will likely move banks.
Product: Debt collection

Subject : Complaint Against Source Receivables Management for Consumer Rights Violations To : Consumer Financial Protection Bureau Division of Consumer Services XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to file a complaint against Source Receivables Management ( SRM ) for their egregious violations of my consumer rights. Specifically, I am alleging that SRM has failed to comply with the requirements of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 
SRM has placed a collection item on my consumer report without providing me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have failed to provide me with a clear opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, SRM has engaged in deceptive and misleading practices by furnishing information to a consumer reporting agency without providing the required disclosures. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
I am disputing the validity of this collection item and any underlying debt. I am revoking all rights for SRM to communicate with me through any means, including email, text, or phone calls.

I request that the CFPB investigate this matter and take appropriate action against SRM for their violations of my consumer rights. I also request that SRM be required to provide me with the following : Debt Validation : A detailed explanation of the debt, including the original creditor, the amount owed, and the date of the debt.

Purchase Agreement : A copy of the purchase agreement between SRM and the original creditor. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX
Product: Mortgage

Chase makes it difficult to verify your mortgage so they can try and sell you their own overpriced mortgage. Chase asked for updated mortgage information. We submitted in early XX/XX/2020. Then they asked us again. So our agent sent them the information on or around XX/XX/XXXX. They recorded the wrong amount so I sent in the information around XX/XX/XXXX. Now I received a letter on dated XX/XX/XXXX on XX/XX/XXXX stating that the property address listed on the insurance policy is for another one of our properties. I called the number on the letter and they told me to call their Mortgage insurance division. I called and held for 1 hour and no one ever came to the phone so I called back to the original number because it said if our records are incorrect call XXXX, which I had. The person this time said hold and the next thing I know they had sent me back to the Mortgage Insurance division, where I held again for 49 minutes and 32 seconds. This seems like an easy fix, but if they are trying to scam you and make you use their overpriced insurance.
Product: Credit reporting or other personal consumer reports

Experian Credit report shows a car loan on my credit to a company called sensible auto lending. Experian also shows my address in Maryland for this auto loan. I have never lived in Maryland and I have never got a loan from sensible auto lending for any car ever. I filed a dispute with Experian stating this loan is identity theft and is fraud. Experian investigated the dispute and did not remove the fraudulent auto loan and the fraudulent Maryland address. I contacted the company at the address listed in XXXX and it is an XXXX dealership that says the company sensible auto lending has not been at that address for years. I called the phone number listed for sensible auto lending and it was not an operation phone number. I got my dispute results from Experian saying the verified the information with sensible auto lending and did not remove it from my credit report. I now know for a fact that Experian did not investigate the dispute nor did they receive any verification of the fraudulent auto loan and fraudulent address, because all the information listed for the company is not real and no company exist at the address and phone number listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that was incorrectly reporting on Experian, the only bureau that the creditor, XXXX XXXX reports to. 

The account with XXXX XXXX was closed with a final payment made XX/XX/XXXX. In XXXX, XXXX I saw that there were charge offs reporting for XXXX and XXXX so I made the initial phone call to XXXX XXXX to ask them to correct this. I was told to dispute with Experian so I disputed with Experian and included the notice from XXXX showing my account was settled and closed. 

On XX/XX/XXXX I received a notification from Experian that my dispute was completed and the account was updated. I checked the account and saw XXXX, XXXX and XXXX were now marked in good standing and shows a charge off for XXXX. This is now costing me 8 points on my FICO score due to incorrect reporting by Experian. I contacted XXXX XXXX to again ask them to correct their records and report back to Experian and was told that XXXX has not been reporting since the final payment had been made and this is an error that Experian needs to correct. 

I have provided the payoff notice for the second time to Experian, who confirmed on XX/XX/XXXX they have received from the document upload option on their website. I was told the process will take another 30 days. I can not afford to wait this length of time for the records to be corrected and gain points back that I should not have lost, as I am in the process of getting ready to take on a mortgage. 

Due to the several inconveniences caused by Experian, I believe this account should be removed from my report for compensation based on the negligence of this bureau.
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 719XXXX 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

This is not my account I have no knowledge of this account and they are reporting on my credit report without any not notification or communication to me. They are in violation of FDCPA rules and laws. This is not my account. I have never heard of it. There are rules before reporting on a credit report. They are in violation I have made them aware.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a checking account was closed at XXXX XXXX XXXX XXXX, and subsequently charged off, then ultimately reported to CHEXSYSTEMS as a derogatory item in my name, and on a credit report with the company CHEXSYSTEMS. This account is FRAUDULENT and a result of IDENTITY THEFT. I have attached all necessary documents to provide all legally required proof of such statement, and I as the consumer do state that all information in this complaint/dispute is true to the best of my knowledge. Please remove the account from ChexSystems, and halt all attempts to hold me liable for this fraudulent account. Under the FCRA 605B ( 15 U.S.C. 1681c-2 ), you have ( 4 ) business days to block the reporting of this information. I demand that such action, under my rights afforded to me by the FAIR CREDIT REPORTING ACT, be taken immediately. I will not let my rights be violated and I will take every necessary action in order to rectify these fraudulent accounts reporting negatively against me, including pursuing litigation if these demands are not met in the allotted time frame. Thank you.
Product: Credit reporting or other personal consumer reports

Multiple times from XXXX to XXXX Ive disputed XXXX XXXX for their constant reporting on my credit report of late payments when it is a closed account which goes against Fair Credit Reporting. A closed account can not be late or continue to report on my credit as a late account for four years resulting in multiple credit denials. Most recently Ive written XXXX and XXXX asking them for validation of debt as well as proof of investigation and the means in which they affirm that the late reporting of a closed account is within Fair Credit Reporting practices. All of which times both companies ignored my request and sent me notice of an updated resolution that was exactly the same as before the dispute.
Product: Mortgage

We closed on our loan XXXX/XXXX/XXXX. We have it in writing that we wanted to make bimonthly payments to save on interest over 30 years. Our loan provider Movement Mortgage ensured us again and again that it is simple to set up. On XXXX/XXXX/XXXX we received a letter from a different company XXXX stating that we no longer should pay Movement and that they are our new servicer. We were never notified of the transfer from Movement and we did not receive a bill from XXXX until I called them and asked for XXXX a few days before our first payment XXXX/XXXX/XXXX. XXXX does not offer bimonthly payments even thought at first they told me that they did. They have now confirmed in fact they do not. This is something I was looking forward to doing and saving money in the long term about {$40000.00}. Not only did Movement lead us on in saying they would provide great customer service and that bimonthly payments are easy to set up but they did not inform me ever of a new loan company. Movement did not return my email dated XXXX/XXXX/XXXX the same day I was informed by CENLAR that our loan was changing. They only emailed me a month later after I posted a negative Yelp review describing my experience so another customer doesnt make the same mistake I did. I have read that the selling loan company needs to inform the borrower well in advance before transferring a loan and I also think they should not lead customers on saying they will allow bimonthly payments when they are intending to sell the loan the same week it was closed on. I understand how mortgages are bought and sold all the time but this situation seems a little abnormal. I have it in writing from an email dated XXXX/XXXX/XXXX that when my first bill comes from Movement that I could set up bimonthly payments. I am sure that our loan was already in the process of being sold and it could have been an opportune time to inform me the buyer. I am going to look over my loan documents to find the percentage chance that they are going to sell my loan as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/scrub>XX/XX/XXXX and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent collection on my credit report on XX/XX/2024 and reached out to the company to have it removed, but was unsuccessful. I contacted XXXX in reference to XXXX XXXX XXXX XXXX to help me with this matter. 
Here is the reference number XXXX, the account is not mine and has a balance of {$500.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Received a XXXX dollar ( {$50.00} ) prepaid gift card : a debit XXXX  card claiming to be " property of U.S. Bank XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX '' In trying to register the card i find that neither the website www.mygiftcardsite.com, nor the published toll free number XXXX to be working. 

Checking the web i find that his company seems to have a long history of complaints and abuses.