23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I opted out of ACH automatic debit after the death of my father. I was and am experiencing hardship. Cash Central attempted to illegally debit my checking account. I have documents to prove this. I had a stop payment issued to protect me. But Cash Central emailed me indicating the illegal attempt to debit. 

I am now trying to work with an attorney to help me with settlement or bankruptcy as too far behind to make timely payments. 

Is there a fine that can be issued to Cash Central for their illegal actions? If so, perhaps I can pay my debts with that money and be spared any further hardship. I appreciate all help with reparations for this crime against me. They were very intimidating to me on the phone. I felt extremely threatened and violated as my rent money was at risk. 

All help appreciated, including attorney referral. 

***Please let me know where to forward documentation. I will need to find the paperwork and email to you in a separate communication as I recently moved. 

Regards
Product: Mortgage

I applied to refinace with my current lender, Pennymac Loan services on XX/XX/XXXX. After a simple process my loan was locked around XX/XX/XXXX. Since XX/XX/XXXX I have been stuck in a constant game with Pennymac with little to no response. First they said I was in a flood zone, I proved I wasn't in a flood zone and solved the issue. In XXXX they told me no documents were remaining and I'd have a closing date within a few business days. I was unable to reach anyone at Pennymac for over 6 weeks after this communication. Only when I threatened legal action did I get a return call when they brought up the flood issue again. I solved the flood issue again. They assured me no other documents were needed and I would soon close within days. They asked me for ANOTHER hard credit pull because my previous one expired and I allowed it with the caveat that they would expedite my loan closing. Soonafter, they made up an issue that my home insurance needed to be for the full amount of my mortgage instead of the structure replacement cost in conflict with Dodd-Frank legislation. This further delayed the loan. I demanded to rescind my application and they once again made promises a closing date would be issued in the next 3 business days. No closing date arrived and my credit window is closing yet again to discuss this with other lenders. 
Pennymac has operated with malice and bad faith to lie about issues with my refinancing and I believe they had no intent to ever close the refi, they simply wanted to " run out the clock '' on my credit window so I wouldn't go with other lenders. I will be seeking legal action if they do not honor their communication to close. I have emails and phone recordings to prove all of these statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough investigation of the following disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to his dispute within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

Date Breach information compromised. Don't recognize information
Product: Credit reporting, credit repair services, or other personal consumer reports

just checked my credit report i realized that my identity was used which i do not understand how people was able to open any account or any inquiry in my name, so unauthorized unverified inquiries have been reported on my credit reports. 
Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX was on XXXX, XXXX, XXXX collections : XXXX procollect in XXXX, XXXX, XXXX XXXX procollect in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 than 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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2 All credit inquiries have been disputed multiple times XXXX XXXX XXXX XXXX XXXX  dollars I have disputed this account for the past years and they have yet to send me proof of the balanced owed or provided with written proof. 
8. First Progress XXXX XXXX XXXX. I have disputed this account many times and they have yet to send me proof of this account. I have no knowledge of this account. 
10. Florida Child Support collections : Child Support has been Illegally reporting a collections balance on my credit report for months even though I am no longer in arrears. I missed out on buying a house due to I couldn't find a mortgage company who give me a loan, until my child arrears are off my credit.

15 U.S.C 1682 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Received call from Target Card Services @ XXXX stating that they had questions on my account and they required to speak to me. I called the phone # provided and they verified someone opened an account under partial of my name using my DriversLicense and SocialSecurity. It is unknown if they applied online or in person and if the items purchased ( {$200.00} on the account ) were made online or in person.

The associate stated they would send some Fraud paperwork in the mail. In the meantime, the card has been cancelled however I do not want to be held responsible for a card that I did not apply for and I do not want it affecting my credit score. 

Is there any way to protect myself from others using my SS # and my DL #?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these item several times. I know without doubt that these companies do not have proper documentation saying these accounts are mine. But that is not the only reason for writing/complaining today. The account is being reported with XXXX on two different accounts. One as XXXX ... and the other as XXXX... The account numbers are the same. The amounts that they are reporting differ. And the opening dates don't match. With XXXX it is reported under three different accounts. XXXX XXXX XXXX XXXX XXXX for another amount. Please help to remove these accounts. As they are not mine and reporting inaccurate information.
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account Resolution Services, amounts of XXXX, XXXX, and XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please send me the written contract with my WET INK autograph that I have with YOUR company, as I do not recall having any contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account XXXX with the original collection agency. Which resulted in a deletion with XXXX and XXXX. This account Still Remains on Experian as verified which is a violation. I asked Experian to send me all verification and papers and documents pertaining to this account, which they have not provided. If this matter can not be resolved in a timely fashion I will file a claim in small claims court to recoup all damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt or credit management

I have open account with them to fix my credit but after 2 month I request them to cancel the service because of worthless job they doing but they wont closed my account instead they are keeping call me and always asking for payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

My WELLS FARGO ACTIVE CASH VISA CARD ... XXXX Has a scheduled automatic payment. 

The amount is described : " $ XXXX $ XXXX '' The disclaimer states : " *An amount within this range will be sent as your automatic payment. Any additional payments applied on or before your due date will reduce the automatic payment amount. '' This payment description is vague, ambiguous, unclear, incorrect, and does not guarantee that the last statement balance will be paid. 

By contrast, my other credit card, shows a DIFFERENT description for the automatic payment. 

WELLS FARGO AUTOGRAPH VISA CARD ... XXXX The amount is described : " Last statement balance* '' The disclaimer states : " *You have selected the Last Statement Balance option. The automatic payment amount will be shown on your next statement. This amount will be reduced by all payments posted before your automatic payment is processed on your due date. If these payments meet or exceed the automatic payment amount, no automatic payment will be sent. '' Wells Fargo claims that both of these accounts are set to automatically pay the " last statement balance. '' Nonetheless, the payment amount displayed to me for card XXXX shows a range of {$0.00} {$35.00} and does not state " last statement balance ''. This range of payment does not provide confidence or guarantee that it will in fact pay the full statement balance. 

Wells Fargo could not fix this problem. Wells Fargo stated their internal systems show the {$0.00} {$35.00} payment range is displayed as " last statement balance '' in their system. 

The Wells Fargo online portal for credit card automat payments is misleading, inconsistent, and deceptive regarding my card ending XXXX. 

My case ID for this interaction is XXXX. 

I was promised a case manager would respond within 10 business days.
Product: Debt collection

on XX/XX/year> someone handed me a letter from Andrieu Palma Solis LLC, it is about go to court, I dont recognize the account, I dont have in my credit report. I dont like someone come to the house without properly communication. I dont own the house, It is possible I will get kick outif stranger just stop by to the house XXXX and Also that is not my account or debt. I sent mail to the lawywr and judge that is not my debt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. 

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

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

In accordance with the Fair Credit Reporting Act, the list of accounts listed on the attached Credit Report has violated my federally protected consumer rights to privacy, and confidentiality under 15 USC 1681.

ALL ACCOUNTS LISTED ON THE ATTACHED DOCUMENT HAVE VIOLATED MY RIGHTS.

15 USC 1681 section 602 A : states ; I have a right to privacy.

15 USC 1681 section 604 A 2 : states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report by more by 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) : states, a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has any reason to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : CHARGEOFF THIS ACCOUNT WAS OPEN FRAUDULENTLY, I HAVE A POLICE REPORT MADE PROVING THAT I DID NOT OPEN ACCOUNT, YET CREDITOR IS STILL REPORTING IT IS MINE AFTER I UPLOADED POLICE REPORT AND ID. THIS IS A CASE OF IDENTITY FRAUD AND I WOULD LIKE THIS REMOVED ASAP. NOT ONLY THAT IT IS ALSO REPORTING INACCURATLLY TO ALL 3 CREDIT REPORTS WHICH ARE XXXX / EQUIFAX / XXXX. I HAVE BEEN FIGHTING WITH ALL 3 CREDIT BUREAUS FOR A YEAR TO GET THIS REMOVED AND ALL IT KEEPS DOING IS UPDATING INACCURATE INFORMATION SUCH AS LATE PAYMENTS THAT ARE CURRENT, AND WRONG MULTIPLE CLOSING DATES AND YEARS. HOW IS ACCOUNT CLOSED AND CHARGED OFF BUT STILL REPORTING LATE, IF THIS ISNT REMOVED IN THE NEXT FEW DAYS I WOULD BE FORCED TO TAKE LEGAL ACTIONS AND SUE ALL 3 CREDIT BUREAUS FOR DAMAGES. XXXX EQUIFAX AND XXXX XXXX DENIED TO FOLLOW UP WITH INVESTIGATION. I RECENTLY WAS NOTIFIED THAT CFPB HAS FILED A LAWSUIT AGAINST THE COMPANY XXXX. THEY ALLEGED THAT THE COMMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION.
Product: Credit reporting or other personal consumer reports

Old collectors on my credit report.

Old accounts have not been deleted or removed.

DATA BREACH!

My data was breached so I need a whole new clean credit report under my name n personal information, because this is stopping me from having a better future with my family because this also affects my whole family as well. 
I was told I would have 30 days to resolve theses issues on my credit n on my personal information, and am holding the government to their word on this.
Product: Vehicle loan or lease

I admit I fell behind on my payments. I had a car loan with Santander. I purchased the cars in XXXX therefore I made 4 years of payments on the car. I am XXXX years old so finding work is problematic. I am also XXXX so really need a car. 

Santander repossessed the car out of a friends driveway trespassing as they repo 'd the car. They repo 'd the car on XX/XX/XXXX. I started my new job on XX/XX/XXXX. Santander has refused to work with me. They have refused to reinstate the loan. They have refused to refinance the loan. 

The car is a 2013 XXXX XXXX with some damage. I bought it with the front bumper loosely attached to the car. A 2013 XXXX in excellent condition is worth {$7000.00}. I figure this car is worth at best with the body damage about {$3500.00}. I have read that car loans are now securitized. It makes no sense to me that Santander will take a 100 % loss ( I filed for bankruptcy ) and refuse to work with me. Santander told me they wanted {$17000.00} for the car. I had to pay that amount upfront. 

Its an extreme hardship for me to be without a car. I do not get around easily. I had 4 years of equity in the car. I just really hate a system that allows a company like Santander to grab the car. I realize they would claim I was behind on the payments but Santander absolutely refused to work with me. Their rationale was that I had fallen behind before so this made me a bad customer. If there had been any way to keep the car. Before the car was repossessed Santander refused to talk to me. 

I am talking to a customer service rep at Santander who told me to talk to a court rep whatever that is. Santander has refused to reinstate the loan. They said it would be {$3500.00} to reinstate which I can pay but they won't do. The loan itself is a horrible subprime loan at 18 % so I barely made a dent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : General Revenue Corporation/Number : Unknown Creditor Name : XXXX University As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : 1. The original creditors name and address. 
2. A detailed explanation of the debt, including proof of its validity. 
3. Documentation that the debt is mine and that it is reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAGESTREAM LLC CONSUMER OFFICE WONT REMOVE FRAUDLENT ADDRESSES OR FRAUDLENT NAMES OFF MY CREDIT REPORT. I HAVE ALSO SENT THEM A POLICE REPORT