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

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply by deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] jpmc : OCC Assesses {$60.00} Million Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} billion penalty from the CFPB and a {$500.00} million penalty from the OCC. no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for XXXX XXXX XXXX XXXX XXXX {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.
Product: Mortgage

Dear XXXX, my complaint against Ocwen has XXXX issues : A ) No paper statements for several months in various episodes, B ) No online access to my account, C ) Late fees charged several times on purpose and for no reason/excuse.
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX and I need some help, please. 

On XX/XX/XXXX my GAP rebate from XXXX was added as a {$660.00} payment to my Hyundai Finance Account for a XXXX Hyundai XXXX XXXX. It was not deducted from loan balance. Beginning in late XXXX, more than several calls were made to Hyundai customer service. Each time I was told it was taken care of and depending on who was answering the call, I was told to wait from 3 to 7 business days for the payment to be applied to the principal. 

Tonight XX/XX/XXXX, just about two months expo facto, I was told they did not credit my account because I was delinquent. Indeed, my payment history shows I have paid extra on more than several occasions and have never been delinquent. 

In the short time I've had this car there have been 2 recalls and one very expensive breakdown on the other side of the State with only cost of repairs being covered under warranty. The Hyundai dealer wouldn't even get me a car to drive to the other side of State so I could go to work.
Product: Checking or savings account

Right before midnight eastern standard time on XX/XX/XXXX, my chime account was hacked into. I was awoken by alerts on my phone. These alerts stated that there was a new login attempt from A device that I do not use, my email on my chime account had been updated, and the phone number on my chime account have been updated. The phone number was changed to a Nebraska phone number. I live in New Hampshire. I also did not recognize the email address that it was changed to. The alerts also stated that there was a transaction decline in the amount of {$100.00} because it was an international transaction. Ive never allowed international transactions on my account in its entire history. The alerts also stated that there were XXXX transactions totaling {$1000.00} taken from my account. The hacker had gained access to my account, transferred the money from my savings account to my checking account and then to my credit builder account. The transactions that were fraudulently taken came out of my credit builder account. The merchant came up as XXXX. I am not sure what that even means, and chime cant tell me either. I was in possession of both of my chime cards, they never left my possession, I never shared my login information with anyone, and I do not have my pin written down anywhere. I reached out to chime immediately that evening around midnight to suspend my account. They advised me to send proofs to their customer service email address, which I promptly did the following morning. They finally re-enabled my account with a new email address and password this morning on XX/XX/XXXX. I went into the app and disputed the XXXX transactions totaling {$1000.00}. Within 10 minutes, the disputes were denied for no error found. I dont think a proper investigation can happen within 10 minutes. I tried to call back in and dispute it further, but they are not being helpful at all. I have provided ample proof that my account was being hacked, and I am getting absolutely nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 explaining that there were some incorrect information on my XXXX  credit report from Nationwide XXXX  in the amount of {$1300.00}. I asked for the items to be removed. I then sent another letter on XX/XX/2021 asking again for the items to be removed. I have not received any response from XXXX  regarding either of these letters.
Product: Debt collection

When I signed up for XXXX XXXX I signed up for only 6 months to help my cousin that worked for the company at the time. I was then contacted by another representative to verify everything including membership and I made sure that I made it very clear that I only wanted 6 months of insurance for my truck because once the 6 months were up, I was being added to my husband 's insurance. Once the 6 months were up, I received a call from XXXX asking me if I wanted to do another 6 months or 1 year with the company and how expensive it was. I declined immediately! I kept my roadside assistance but the insurance was done after 6 months. I never signed up to have car insurance with XXXX for an year. So they kept threatening me to put it on my credit like it was a credit card or like I used services that I never used. I've paid for the 6 months of insurance I had and that was it. They are definitely coming after me fraudulently for a balance that I do not owe on top of adding extra charges to the original amount. I'm not responsible for whatever the representative messed up on. Please do remove this from my report please. Thank you
Product: Student loan

Resolution of the following issue is still outstanding. 

Using the Income Based Repayment ( IBR ) plan, payee contacted the loan service provider questioning the degree of increase in monthly payments from XX/XX/XXXX-XX/XX/XXXX year to the XX/XX/XXXX-XX/XX/XXXX year. After repeated attempts to verify calculation with written documentation, the loan service provider could not confirm the calculation amount was correct. The service provider failed to return phone calls as promised, disconnected phone calls with the payee, communicated to the payee that she should " just pay the amount '' without questioning why it increased so extensively, failed to put the payee in contact with any senior management who could assist in resolving the issue, and refuses to provide written confirmation demonstrating how the IBR calculation accounts for a spouse 's loan amount as a variable in the IBR baseline methodology. The service provider in several instances affirmed that the payee 's calculation " looked too high '' and a supervisor confirmed that an analyst was working to reconcile the discrepancy, but the issue still remains outstanding. The payee contacted the service provider 14 days before payment was due, communicated to the service provider that she would not pay the amount until the calculation was confirmed as correct, asked for administrative forbearance until the issue is resolved, and is still receiving past due notices and advisement that interest will be capitalized because of failure to pay. The payee is willing and able to pay an amount that is correct, and should not be subject to scare tactics to incentivize payment of an amount that is inaccurate. The payee and spouse have been in almost daily phone contact with the service provider over the past 22 days and nothing is resolved. Payee and spouse have encountered incredibly poor customer service including representation of wrong information, unreturned phone calls, lack of written communication and clarification, incompetence in understanding what is required for IBR recertification and calculation methodologies, and just rude phone discussions with customer service representatives, account managers, and supervisors. Payee is effectively being penalized for the service providers incompetence and failure to appropriately conduct business with payee customers.
Product: Debt collection

I received a letter from ARS. They were notified that the debt does not belong to me. I requested validation within 30 days, which I received 3 months later a statement for an address I have n't lived for at least 7 years. I asked for proof of whom and when the fraudulent account was opened and never received that. My mother faxed over documents to them and they sent a letter for me to my mothers job. I want them to STOP sending collection noticies to my mother 's job ... ( XXXX XXXX XXXX XXXX ). I gave them my PO Box address to send any communication ( XXXX XXXX, XXXX, NY XXXX ). I want to receive proof of whomever and when this account was opened and I want to stop the harassment collection actions and also to have them remove the fraudulent information off of my credit reports.
Product: Vehicle loan or lease

I made a extra payment to ally on XX/XX/2021 after I made payment needed on the XXXX XXXX. Ive called and requested for a refund on the same day, was told that I would be getting it but when I called again on XXXX XXXX I was told I was denied. Ive gotten hung up on, placed on hold for two hours waiting for a department that was closed but I wasnt informed by the representative. Was told the check was sent by mail them was told it was sent electronically. Then found out that it was sent to the wrong account and had to be processed again. Now Im still waiting for my refund and they are still giving me the run around. They said it was received by the third party but who knows what now.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I am notifying you of a data breach that has affected me, and I am requesting the blocking and deletion of specific accounts and inquiries, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please delete and block the following accounts from my credit report Accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have made a purchase through PayPal credit on XX/XX/XXXXfor {$390.00} and then changed my mind and cancelled the order ( there is no any fee involved ). Since I did not get any confirmation from the seller about the cancellations, I disputed this transaction same day XX/XX/XXXX with

PayPal. PayPal cr
edited {$390.00} on XX/XX/XXXX, once again the seller credited {$390.00} on XX/XX/XXXX. As I have received two credits, I have reported this on XX/XX/XXXX with PayPal to debit the 2nd credit. Following my report, PayPal charged me once on XX/XX/XXXX and also again on XX/XX/XXXX which is supposed to be only one charges instead of two. I  called them on XX/XX/XXXX to report about the two charges instead of one. I have received a letter from PayPal mentioning all these charges are valid and I owe {$390.00} for nothing. 

From my account statement, it is very evident that they made dual charges on my account, Agent on the call could understand and witness my problem but not the support team. Here are my list of followup calls and my time to explain about this with representatives who picks my call 1. XX/XX/XXXX - 33 Mins XXXX. XX/XX/XXXX - 29 Mins XXXX. XX/XX/XXXX - 08 Mins XXXX. XX/XX/XXXX - 28 Mins Also, they offer EMI plans with no interests when paid back within 6 months. I ended up paying {$200.00} more ( I paid everything on time and this {$200.00} is not for the interest ). I always schedule for an auto payment to ensure close principal within 6 months. 

I have attached statements since XXXX XXXX ( 1st ever paypal credit transaction )
Product: Vehicle loan or lease

Since first financing my XXXXXXXX XXXX XXXX performance car in XXXX of 2022, I have had trouble each month with paying my car note. 
Not financial troubles, but troubles with contacting BMO Harris and their loan department for appropriate payments. At first I thought it was because the loan was new but its still happening. 

Each time- even as recent as yesterday - No one can locate my account by name, account number, social security or address. I am consistently forwarded to another department who echoes the same disbelief that I am a customer. There also is not a way for me to log-in or register my account online. 

The only times that I have been able to pay is after a month goes by of me trying to contact BMO Harris and a representative contacts me. I can then pay by phone until the same process happens at next pay date. 

There also is not any local US locations and I have a hard time understanding most of their reps. They also dont allow you email anyone from the company. 

Most recently, one of my payments was said to be voided by the company and I dont know why. That then puts me in further bad standing with the company, possibly my credit and my own financial accounting.
Product: Checking or savings account

I am filling a complaint with the CFPB against Capital One regarding their failure to make available to me in a timely manner the funds that were sent to them from my employer that should have been deposited to my account through direct deposit on XX/XX/XXXX. Although Capital One has cited technical issues as the reason for this delay, I assert that Capital One is in violation of the Electronic Funds Transfer Act which requires them to credit my account after receipt of deposits and provide to me timely access to these electronically transferred funds. I'm requesting an investigation into Capital One and their handling of this situation that has affected countless others without much explanation or plan to correct this error from this bank. In the meantime, I'm experiencing undue financial hardship, late payments and bounced XXXX fees due to lack of access to my paycheck which I've worked hard for. Thank you for your investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Transunion in XXXX that the information on my credit report needed to be corrected. I had a name change due to identity theft, and Transunion have not removed the old and inaccurate information from my credit report. It is now XXXX, and I have asked them since XXXX to fix this persistently. Transunion keeps telling me they've removed the information but they have not! My name was changed in 2019. 

Attached is a screenshot for your viewing of the inaccurate information, underlined in RED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I attempted to secure credit freezes with XXXX and TransUnion. This was quickly accomplished online with XXXX and I received confirmation of the action and was billed immediately. My experience with TransUnion has been a polar opposite. When I went online at XXXX XXXX site, I found that the " Credit Lock '' tab directs you to signing up for their monthly monitoring service which I mistakenly opted for and received an email of the billing. I corrected this an hour later by the phone number contained in the subscription email and was assured by the XXXX representative that the subscription would be cancelled and that a freeze would be placed on my credit account. I then received only confirmation of the cancellation and no notice regarding the freeze. Today, XXXX XXXX, I have spoken with four separate XXXX representatives to determine if I had a freeze on my account. The first three representatives could not help and gave me toll free numbers for others at XXXX who could help. Only the last representative was able to indicate that I had a " lock '' on my account. When I asked the difference between a lock and a freeze, I was informed of some vague difference with the caveat that a freeze was harder to remove. I still have yet to receive any confirmation of this status by email despite receiving other emails from XXXX and seeing nothing on my online profile which confirms or explains my credit status. This process for a much-publicized credit reporting service should not be difficult, especially in view of my XXXX experience.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XXXX  XXXX XXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in viola

tion of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, I notice a hard inquiry that was fraudulent. I called Experian and explained to them that I have been a victim of identity theft, also ask them to remove the fraudulent hard inquiry from my credit report. Please removed this fraudulent hard inquiry from my credit report, thank you very much for your help. XXXX XXXX XX/XX/2017 2017
Product: Money transfer, virtual currency, or money service

My Coinbase account has been locked out for over a month now. At one point I transferred over {$5000.00} from coinbase to XXXX. I tried to switch the bank account from my checking to my savings on Coinbase and at that point it would not let me re-add a bank account and it locked my XXXX account as well ( features of my Coinbase account are also locked ). I was invested in XXXX and the amount to which is now in there is much greater than my initial investment. I have called and submitted XXXX tickets and I can never get a clear answer as to why it was locked and when it will be unlocked. Tax time is coming up and I am concerned if nothing is done I will not know how much I have made off my investment. 

My Coinbase case numbers are XXXX and XXXX ( this XXXX created on XXXX XXXX XXXX.