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

This is so despairing. What is happening with you ( CFPB ) and the bureau ( TRANSUNION )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX CARD XXXX
Product: Checking or savings account

I bought a plane ticket on XX/XX/XXXX for a trip to XXXX on XX/XX/XXXX with my pay pal debit card. A day before the flight a terrible storm happened that caused me to miss my connecting flight at XXXX XXXX XXXX XXXX to then catch my flight to XXXX. XX/XX/XXXX I reached out to the merchant asking for a refund since I was snowed in my state and could not meet the early flight any longer. They stated the could only offer XXXX. I declined because I paid XXXX. I asked to cancel my flight, the merchant XXXX stated if I cancelled I would forfeit my XXXX and automatically be issued the XXXX. I declined and reached out to PayPal debit card telling them I did not receive services rendered and I would like to dispute the charges from XXXX. They assured me the situation would go in my favor. Pay pals policy states after 10 days the claim would automatically go in my favor and they issued me XXXX back to my account. After that day I was not able to use my debit card for some reason. I had over XXXX in that account and it kept getting declined and PayPal did not give an explanation why. Also the merchant responded 30 days later and stated they had a policy which I showed PayPal in the beginning thru the chat evidence I had with the merchant before hand. PayPal decided to flag my card and sided with the merchant after they ready awarded me with the money back. I proved I didnt render services and PayPal said they have to go by XXXX XXXX as-well for how much time the merchant has to respond even though their initial policy says something completely different. Now they are flagging my account and taking back the XXXX. This is unacceptable and very confusing.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$15000.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the collection accounts reported by XXXX XXXX XXXX on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. 
XXXX XXXX  XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00}.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack information on this matter, and the company proceeded without my authorization.
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted WESTLAKE FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX : {$520.00}
Product: Bank account or service

I deposited {$1800.00} from my husband 's account into my daughter 's Regions Bank account ( she is away at college ). They placed a hold on my deposit for 9 days because " they have confidential information that the item may not be paid. '' I nor my husband have ever written a bad check and we are almost XXXX. I would like to know what confidential information they have that it wo n't be paid. The {$1800.00} cleared my husband 's bank account the very next day. It is not right for them to get exclusive use of my money for no valid reason.
Product: Student loan

MOHELA transferred my student loan to be managed by a new division within their company. I was emailed about the transition stating that my account number would be changing and therefore I would need to update my automatic payments with this new account number and send payment to a new XXXX XXXX . During the month long transition in XXXX, I continued making electronic payments via XXXX  XXXX XXXX using the new address but was not provided my new account number. Once the transition was completed, I was emailed by MOHELA to create a new profile on their portal. The new profile shows none of my previous payment history and has my account past due. Additionally my last 10 weekly payments have not posted to my account. XXXX  XXXX XXXX has confirmed that the payments were processed electronically and MOHELA has taken the funds. When I called Customer support, I was told it could be another 30 business days until my payments may be accurately posted to my account. I am concerned that my payments are going into a black hole.
Product: Debt collection

On friday XX/XX/year>XXXX  at XXXX I received a call from XXXX ( XXXX ) XXXX with caller ID of XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Their male representative had a heavy souther accent that would not allow me to understand half of what he was mumbling while speed talking their pre determined speech. 

He was calling me in regards a previous debt i had and was demanding for me to set up a payment plan with him. I responded that I am currently unemployed and he asked what is my current source of income and I repeated that I was unemployed. 

He than tells me Well you should have paid when you had a job, so tell me how you want to set up this payment plan He also started questioning me about personal finances. 

According to their online reviews they been known for these business practices.
Product: Debt or credit management

CREDIT ACCEPTANCE CORP XXXX XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$18000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX {$18000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Voluntary Surrender< This was not a voluntary surrender I lost my mom brother and sister within a 2 year period and have no family except my XXXX XXXX old daughter I have no help and was left with funeral expenses and delinquent property taxes I get XXXX child support and I couldnt afford to keep the car I explained this to them they sold the car in auction and that was it so I should owe nothing I had gotten behind on 4 payments but made whatever payment i.could when I was able to and always stayed in touch. Ive never had a repossession or anything on my credit and with this situation I had a lot more important issues I had to attend to like my entire family XXXX and leaving me to figure everything out. I do not feel I owe and continuing to say I owe from XXXXcurrent is absurd it was sold in auction XXXX of XXXX. Therefore it isnt my car any longer and again I had to bury my family and all the debt I was left with unfortunately I had no choice I dont feel this should continue to affect me
Product: Credit card or prepaid card

Company mailed card to incorrect address after card was finally received have never been able to use the card due to fraud charges and company keep sending me a new card but has yet to remove the fraud charges also keep charging myself program and late fees for something I have never used
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. XXXX. Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 and states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states " 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 relatesXXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they certainly do not have my written consent. Any and all consent to XXXX, Experian, XXXX and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states " A financial may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX has yet to inform me of my right to exercise my nondisclosure option. Furthermore, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item that the company is reporting without my permission which is against the law. 15 USC 1681 s-2 ( a ) ( 1 ) a states " 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 USC 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to AVOID violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX, Experian and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX AND XXXX ARE OLD INQUIRIES AND THESE INQUIRIES ARE NOT SUPPOSED TO BE ON MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account by XXXX XXXX XXXX appearing on my credit report that does not belong to me. the Original Creditor is XXXX XXXX XXXX XXXX XXXX, its showing a balance of {$15000.00}. This account is a result of identity theft and fraud. I have attached my FTC report to this complaint. Please remove and block this fraudulent account immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Dear Transunion, I, XXXX XXXX, have written this letter to dispute two late payments that are falsely listed on my credit report with your bureau. 

Party Owed : XXXX XXXXXXXX XXXX  Amount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 
Party Owed : XXXX XXXX XXXXAmount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 

I AM REQUESTING THE LATE PAYMENTS BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Money transfer, virtual currency, or money service

my account has been permanently suspended and closed for suspicious activity as I was spending large amounts, more than usual. I received {$3500.00} on XX/XX/XXXX at XXXX a.m. from a company that I work for called XXXX XXXX, I sent {$500.00} at XXXX to my sons PayPal XXXX XX/XX/XXXX and {$1200.00} at XXXX XXXX for a money order for my rent XXXX a.m. and I received {$120.00} from a client named XXXX XXXX XXXX XXXX p.m. And then I accidentally sent her {$120.00} and then she sent it back. I then spent {$540.00} at XXXX on XX/XX/XXXX to XXXX XXXX but it shows it was completed on XX/XX/XXXX my goal is to receive my money sooner or to unsuspend my account as this is a mistake and they asked for my personal information my passwords and everything to my website I gave it, and also if it helps I provide a service not products or items.
Product: Debt collection

I had tried to close this account and consolidate the debt but they denied it and wouldnt accept the amount. They proceeded to call not only me XXXX times a day, but also my family members and used to words lawyers and legal action. 

I called them and told them to stop calling all third parties and to only communicate with me.
Product: Credit reporting or other personal consumer reports

I disputed multiple unauthorized hard inquiries on my credit report conducted by lenders associated with the following dealerships : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these dealerships, the inquiries were also pulled by their associated lenders, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I initially contacted the dealerships and spoke to the sales representatives listed above. They denied releasing my personal information, with some stating they were unaware their companies would use my information without consent. Others advised me to contact the credit bureaus. I filed disputes with XXXX, XXXX, and Equifax, on XX/XX/XXXX but they informed me that they could not investigate the matter and directed me to contact the individual lenders. Upon reaching out to the lenders, I was told I had no accounts with them and they could not assist me. I was redirected back to the credit bureaus, who ultimately advised me to file a complaint with the CFPB. 

I am requesting a proper investigation into these unauthorized hard inquiries and their immediate removal. If authorization is claimed, please provide proof of my signed consent and details of the permissible purpose under the Fair Credit Reporting Act ( FCRA Kindly confirm the resolution in writing.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have found personal information that is incorrect and does not belong to me.
Product: Prepaid card

I received a prepaid American Express gift card valued at {$250.00}. When trying to make purchases online ( via XXXX, XXXX, XXXX, etc ) the card is declined for each purchase. The amount for the purchases ranged from {$10.00} to {$38.00}, for which I had more than what was sufficient to pay for my purchase. I currently have a balance of {$140.00} with two {$0.00} holds from XXXX and XXXX after failed purchases on their websites. 

This also happened with another prepaid American Express gift card valued for {$250.00} as well. This card would also decline when making online purchases on XXXX. This card has a current balance of {$0.00} available.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX ( ORIGINAL CREDITOR : XXXX )
Product: Checking or savings account

In XX/XX/year>, I was on a trip. My phone service was shutdown. I found out I was a victim of XXXX  swapping. My PNC, XXXX, and XXXX accounts had been accessed. I had unauthorized charges on all these accounts. I immediately contacted these companies. I was able to resolve the fraudulent transactions with all companies except PNC. I filed forms with PNC and was denied. I have appealed the ruling twice now. I have been questioned extensively, multiple times. I am basically being accused of lying by PNC. The employees at the local branch have tried unsuccessfully to help resolve this matter. The unauthorized charge was {$2900.00} on my debit card for a money gram. I did not lose my card or give it to anyone. The scammer got it from my phone. I did not make this charge and dont even know how to send a money gram. I am XXXX XXXX XXXX, retired and on a fixed income.
Product: Credit card or prepaid card

On XX/XX/2020, I had requested that the amount of {$6600.00} be disputed from my HSBC credit card for fraudulent activity. The company by the name of XXXX XXXX had charged my credit cards without authorization. Then on XX/XX/XXXX, I had received a letter in the mail from XXXX XXXX from HSBC fraud operations letting me know that they denied my claim. After receiving the email I called HSBC in XX/XX/2020 asking why they denied my request and if I could submit evidence. The man at HSBC instructed me to email all evidence to XXXX for further investigation. After not hearing back from HSBC, I then proceeded to call again onXX/XX/2020 in which XXXX ( ID XXXX  ) told me that the investigator,  XXXX had denied the case and would not allow it to be reopened. I asked the employee if my evidence email had been read and they told me no. HSBC had denied my fraud claim without getting any information from me or looking at any of my evidence. HSBC is refusing to reopen the case or try to make things right. I have been a victim of from by the company XXXX XXXX and am requesting that the charged they made without my consent be disputed.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me
Product: Mortgage

I am in the XXXX  industry and have been deeply affected by the Coronavirus, likely more than most. I am a XXXX XXXX as a XXXX XXXXXXXX and XXXX. I have lost 4 months of work and have even been rescheduling in the Fall and losing my remaining good Saturdays for the year. So I will not be making up that money. I filed for unemployment, but because I am XXXX and work in 2 states ( XXXX XXXX area strattles state line ), I was told I had to call in. The call line sends you to a machine which hangs up on you after directing you back online because they are swamped. So I said I only work in Kansas in order to submit it, but no response or check yet. 

We have XXXX  kids and a new home we bought in XXXX of 2019. Our mortgage company is Mr. Cooper. We have missed 2 payments of roughly {$1800.00} each, XXXX and XXXX, so far. I have tried calling, but they also have an automated message directing you back to online and hanging up afterward. But then I discover the only option is a forbearance, admittedly warning I may be disqualified from any stimulus or other aid if I fill it out. On top of that, they say quite sternly XXXX and repeated bluntly by the CEO in a video ) that it is NOT an extension of the life of the loan, but rather a normal extension, requiring a lump sum at the end of the 90 days. As if anyone is saving money right now and able to pay MORE when this nightmare is over! Thats illogical. It is mentioned that payment plans could be made, but this is not what you agree to in the application and it is so arbitrary it is unknown exactly what they could force you to do after agreeing to this form. This seems unwise to enter into. So for these terms, and the threat of not getting aid, I chose not to fill this out. I did however email them explaining this. I have not heard back and they are still not taking calls. 

We can not lose our home. And we can not pay a higher monthly payment. We are scared and dont know how to fix this. Meanwhile, the days are passing by and notices are flooding in. We have been able to pay all our other bills, but that will end this month if unemployment or a stimulus doesnt come soon. 

If anyone can encourage mortgage companies to extend the life of loans, it would help us immensely. I can only imagine how many people are being hurt by filling out this forbearance, which essentially gives zero aid, and only allows for a little time to then make their account current all at once, without any backpay to do so. It seems dishonest and taking advantage of many people forced to choose this only option. They should be held accountable for making things worse on hurting people everywhere.