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

In early XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to Experian on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized.

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX  XXXX  ) on XX/XX/XXXX and XXXX   XXXX on XX/XX/XXXX. 

Experian is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX XXXX XXXX  XXXX  ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraudulent hard inquiries on my credit report from XXXX - XXXX XXXX from XX/XX/2022 and XX/XX/2022. Attached is the letter from XXXX requesting/approving the removal of the unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of certain charged-off accounts from my credit report under the provisions of 15 USC 1681 ( e ) B. According to this statute, debts that have been charged off are considered by the IRS to be canceled or forgiven, and thus should not be reported as outstanding liabilities on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 t

han seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer rep
orting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit 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
Product: Mortgage

Dear XXXX CFPB, I would like to complaint than Ocwen Loan Servicing , LLC . ( Ocwen ) appears to show that Ocwen may not be in compliance with certain provisions of the Home Mortgage Disclosure Act ( XXXX ) and its implementing regulation, Regulation C. 

The Home Mortgage Disclosure Act of XX/XX/1975, as amended, 12 U.S.C. XXXX, requires many financial institutions to collect data about their housing-related lending activity, including home purchase loans, home improvement loans, and refinancings that they originate or purchase, or for which they receive applications. 

Annually, a for-profit mortgage-lending institution other than a bank, savings association, or credit union, must collect, record, and report XXXX identified in XXXX and Regulation C to the appropriate Federal agency when : ( i ) in the preceding calendar year, it either : ( A ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least XXXX percent of its loan-origination volume, measured in dollars ; or ( B ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least {$25.00} XXXX ; and XXXX XXXX ) on the preceding XX/XX/XXXX it had a home or branch office in a Metropolitan Statistical Area ( MSA ) ; and ( iii ) it either : ( A ) on the preceding XX/XX/XXXX, had total assets of more than {$10.00} million, counting the assets of any parent corporation ; or ( B ) in the preceding calendar year, originated at least XXXX home purchase loans, including refinancings of home purchase loans. 12 C.F.R. 1003.2, 1003.4, 1003.5. A for-profit mortgage-lending institution other than a bank, XXXX XXXX, or credit union, is deemed to have a branch office in an MSA if, in the preceding calendar year, it received applications for, originated, or purchased five or more home purchase loans, home improvement loans, or refinancings related to property located in that MSA. 12 C.F.R. 1003.2. A violation of HMDA or Regulation C is subject to sanctions as provided in section 305 of HMDA, 12 U.S.C. 2804, and subtitle E of the Consumer Financial Protection XXXX of XX/XX/XXXX, XXXX U.S.C. 5561 et seq., including the imposition of civil money penalties, where applicable. 
Ocwen is in violation of XXXX filing requirements, we urge CFPB to review Ocwen practices to ensure that Ocwen comply with all relevant laws. Ocwen do not follow XXXX, Regulation C, and CFPB guidance, Ocwen continued to request us to submit all Loan Modification Application and always denied our loan Modification for any reasons Ocwen wants to. We get the denied Loan Modification for may times.We encourage CFPB to advise Ocwen to compliance with the laws.
Product: Payday loan, title loan, or personal loan

This is my 2nd complaint against MoneyLion. This is a different issue. It is imperative that MoneyLion change my default payment method from checking account ending in XXXX to account ending in XXXX. Ive made several attempts to make this change on their app but to no avail. I have called more than 6 times. Each time I call Im on hold for more than an hour and then my call gets cut off. This happens every time I call. I will be closing the account ending in XXXX in the next 2 weeks. It has been impossible to make the change online through the app or to reach a human by phone. Im at wits end trying to deal with these people. I need someone from MoneyLion to contact me and confirm the account change. As of todays date the app still shows my account ending in XXXX as my default account. This must be changed ASAP.
Product: Bank account or service

On Thursday XXXX/XXXX/17, I deposited {$8600.00} into a Wells Fargo account for a job, not knowing that it was all a part of a job scam involving fraudulent transactions and counterfeit checks. On Saturday XXXX/XXXX/17, I visited the same bank where I made a deposit, informed a banker of my situation, opened a new checkings account and had my banker file a claim in order to retrieve the funds. After all this, the account where the funds were sent was blocked and Wells Fargo would begin conducting an investigation which would lead to the {$8600.00} being transferred into the new checkings account so that the overbalance in another account would be resolved. On Monday, I wished to learn about the status of the investigation and after being transferred from department to department for about two hours, the representative I talked to was n't able to find my open claim and I had to start a new claim, even though representatives from previous calls that same day could see my open claim. I would like for Wells Fargo to keep me informed about the status of my claim so that I can have these issues resolved in a timely manner and not be forced to wait longer than I should because of their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

Dear Transworld System Inc, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor. 
Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt. 
Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX  {$0.00}
Product: Checking or savings account

I attempted to link my bank to XXXX and it said my bank will not allow it
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, there were a few accounts listed that did not belong to me. Here are the accounts listed 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: Credit card or prepaid card

On XX/XX/XXXX I paid {$7000.00} on the balance on my US Bank FlexPerks Visa. This brought my balance down to {$13000.00} with a revolving line of credit of {$20000.00} I made this substantial payment as part of my ongoing effort to lower my credit card utilization from 100 % to roughly 67 % thus working to improve my FICO credit score. 

I received a letter dated XX/XX/XXXX from US Bank stating that they are decreasing my line of credit to {$14000.00} " effective immediately ''. 
This action taken by US Bank unfairly puts my utilization back to 98 % with my balance owing at {$13000.00} Instead of a positive acknowledgment of making a large payment, I get kicked in the gut by US Bank. This is an outrageous way to treat a long-time customer since XX/XX/XXXX who has a lot invested in US Bank : my business account, personal checking account and a Home Equity Line of Credit ( HELOC ). 
This treatment by US Bank has caused me pain, suffering and anxiety that is beyond words. It 's this oppressive behavior from US Bank practices that has earned them a Consumer Reports rating of 1 star! 

I am considering closing all of my accounts with US Bank and taking my business to a competitor that actually treats their customers with decency as a human being. 

By the way my credit score is not XXXX as claimed in the letter. It 's XXXX and will continue climbing since I have paid off 4 credit cards and my XXXX lease too.
Product: Debt collection

To Whom It May concern : This letter pertains to my Capital One XXXX loan. This account has since been closed due to personal reasoning. 

This vehicle was repossessed between XXXX and XXXX of XXXX. Once the vehicle was repossessed there should have been several documents that I was supposed to recieve. Among these documents should have been the pre-sale letter and post-sale letter of my vehicle. 

I did receive a document pertaining to the intent to sell my vehicle. In this letter it was stated that the company intended to sell my vehicle sometime after XX/XX/XXXX. After the letter of " Intent to sell, The next letter I received was pertaining to the option of me reclaiming my vehicle by out-right sale or reinstatement of contract. In this letter it states you will receive a post repossession letter in accordance with the statutory requirements of the state. This letter is not intended to substitute for a statutory letter. The intent to sell letter was sent XX/XX/XXXX and the reclaim your vehicle letter was sent XX/XX/XXXX. 

After this I did not receive any correspondence pertaining to my vehicle until XX/XX/XXXX, after the vehicle was sold. This letter explains the calculation of my repossession deficiency balance. 

If there was any intent for me to retrieve my vehicle via auction I did not have the option to do so. I was not told what company repossessed my vehicle, nor was I notified of the time, date, and location of the sale of my vehicle. This is a complete disgrace and is a violation of UCC-9 labeled under secured transactions.

More specifically : 9-609. SECURED PARTYS RIGHT TO TAKE POSSESSION AFTER DEFAULT. 
( c ) [ Assembly of collateral. ] If so agreed, and in any event after default, a secured party may require the debtor to assemble the collateral and make it available to the secured party at a place to be designated by the secured party which is reasonably convenient to both parties.

I was never given a fair opportunity to the sale of my vehicle.

9-627. DETERMINATION OF WHETHER CONDUCT WAS COMMERCIALLY REASONABLE. 
( b ) [ Dispositions that are commercially reasonable. ] A disposition of collateral is made in a commercially reasonable manner if the disposition is made : ( 1 ) in the usual manner on any recognized market ; ( 2 ) at the price current in any recognized market at the time of the disposition; or ( 3 ) otherwise in conformity with reasonable commercial practices among dealers in the type of property that was the subject of the disposition. 

I also can not determine whether this sale was commercially reasonable. I was not notified of the pre-sale nor post-sale of my vehicle. All that I was notified of was the estimated date of sale. This company has a clear legal obligation to notify I, the consumer of the pre-sale, post-sale, and given a fair right to the vehicle by means of auction. 

Also, apologies in advance for the blurry images. The website did give me an option to download the PDF version of these documents. However, once clicking on download, it did not allow me to do so for any of the documents shown on the website.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative. I recently reviewed my Transunion credit file, and noticed a few things are incomplete and/or not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. 
They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card

In early XXXX of this year, Aspire Credit card company took a payment for over {$1800.00} dollars from my checking account, days after the payment date. I did not authorize this payment and it was not to be taken out until the next regular payment date on XX/XX/XXXX. I contacted the company repeatedly about a refund. They kept telling me the refund was going to be sent within days of the withdrawl. Then it was sent on XX/XX/XXXX. Then it was sent on XX/XX/XXXX. As of today, I have NOT received my money they owe me. I contacted them again today and now they say I have to wait until XX/XX/XXXX to receive it. If I don't receive it, they will reissue and I will be waiting another 20 days for the refund to even be sent.
Product: Debt collection

Checked my credit report to find a charged off account. Disputed it, but XXXX XXXX Capital One will not help. Capital One apparently sent it to a collection agency & XXXX XXXX  has been rude & nasty to me. No one will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted synchrony bank/Walmart serveral times and they tell me they do not have my information anymore because it was bought out by XXXX XXXX /Walmart credit card. I paid this amount and it was suppose to be deleted off my credit report. It still shows on my credit report and shows as paid with a zero balance and that the account was charged off and sold to another lender. Neither company will deleted this and update it and both state they can not find my information. This was paid off over two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on [ date you pulled your credit report ] and noticed a credit inquiry that I did not authorize. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by all three lenders to determine who authorized it. 

If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

Thanks in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX I was charged {$2100.00} on my Chase Card ending in XXXX from a merchant labeled as " XXXX. '' I did not recognize the charge and called Chase to initiate a dispute when I saw the charge. Ovever the past 18 months, Chase has refused to intiiate a dispute or explain to me why this is allegedly a valid charge. I have even had to contact the head of Chase, XXXX XXXX XXXX, about this issue. He has not responded to any of my emails. I have called the number on the back of my credit card numerous times and every agent has advised that they can not help me.
Product: Money transfer, virtual currency, or money service

XX/XX/23 We transferred my XXXX $ payment into my Venmo account. We couldnt transfer it into my main cash app account ( the card I have on file ) when Ive never had this problem before. XX/XX/23 we call them and they tell us 1-3 business days. From that point we are expecting it today XX/XX/23 the money failed to hit our account it tried to deposit the amount. XXXX $ then declined AGAIN, a second time. We call and they tell us another three business days or itll be here XX/XX/XXXX. We needed our money and got no actual response on what happens if it doesnt allow the transaction to complete again? Their site says they can hold money for 180 days. This is not okay. They claimed it was suspicious activity but I verified the account I wanted funds transferred too on the phone the day of the XX/XX/23