23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Reliable Credit Associates bought a contract from a dealership XXXX XXXX XXXXXXXX XXXX in XX/XX/2012. 
This dealership has committed title fraud and odometer reading is obviously signed off by the consumer finance company and the dealership in order to in sure a better payout when a default happens or end of the contract. 
This dealership sold XXXX product 's where used without my permission or knowledge. 
You will see the discrepancies in the DOL XXXX  history report that I obtained.
Product: Debt collection

My employers received a call from this company asking for me earlier today on their personal cell phones. Not sure how they received this information & found their personal numbers, but this is not okay.
Product: Credit reporting or other personal consumer reports

Under 15 USC 6801, Congress mandates that financial institutions have an ongoing responsibility to respect the privacy of their customers and protect their personal information. These institutions, which furnish data to credit agencies like XXXX, XXXX, and TransUnion, are required to handle this information with care. However, I was never informed of my right to opt out of information sharing as required by 15 USC 6802 ( b ) ( c ). This explicitly states that a financial institution can not disclose nonpublic personal information without giving consumers a clear explanation of how they can exercise their nondisclosure rights.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency XXXX only share a consumers information if they have written consent. XXXX, XXXX, TransUnion, and the furnishers of information have no such consent from me, and I am formally revoking any consent, whether written, verbal, or implied. 

Under XXXX CFR XXXX, I also have the right to opt out of information sharing at any time. Therefore, I am exercising this right to opt out of all reporting services with XXXX, XXXX, TransUnion, and any associated furnishers of information.

The Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 Section 602 ( a ), emphasizes that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. XXXX, XXXX, and TransUnion, as consumer reporting agencies, are not meeting this standard. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information on credit reports if it is older than seven years, except for criminal convictions. The adverse information they are reporting about me violates this rule, as it is both unauthorized and outdated.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) specifies that no entity should furnish information to a consumer reporting agency if they know, or should reasonably know, that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to ensure compliance with these requirements and prevent violations, which XXXX, XXXX, and TransUnion have failed to do. 

These violations of federal laws infringe upon my rights as a consumer. I demand immediate corrective action and compliance with the laws cited. I am formally revoking all permissions to share, report, or disclose my information and opting out of all reporting services.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PENN CREDIT CORPORATIO XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect information listed on my credit report, which I believe to be inaccurate and damaging to my credit standing. After reviewing my credit report, I noticed discrepancies that are clearly not reflective of my financial activity. This information is incorrect and does not pertain to any actions I have taken. I have not authorized or been involved in the events associated with this entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, saying that these fraudulent inquiries are verified information not only shows that theyve received my identity theft report, but has proves that theyve refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

Therefore Equifax is in violation of my rights as a consumer under the FCRA. Also, they claim that these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint
Product: Mortgage

Hello, in XXXX of XXXX we entered into a COVID forbearance assistance plan with our servicer, XXXX XXXX XXXX XXXX XXXX who then sold our loan over to Select Portfolio Servicing , Inc. in XXXX of XXXX, and continued our COVID forbearance assistance plan. Since the beginning of our time with SPS we have never been able to get any clear information in regards to our loan. They werent even able to tell is who owned our loan. Their website has no specific information about any of the details of our account such as escrow breakdowns, etc. We receive letters in regards to our account that refer us to a XXXX XXXX who is suppose to be our Relationship Manager, but has never taken a call once. When I select his extension it simply reroutes the call to what sounds like a debt collecting representative. All these representatives are capable of providing is our balance and how to make payments on our account. At the end of our forbearance we applied for a loan modification in XXXX of XXXX. Yesterday, XX/XX/XXXX we received a denial letter for the modification and all other plan options. Once again, the letter fails to provide any specific reason as to why we were denied so I contacted SPS today to inquire more. Upon my conversation with their representative XXXX, I was informed that he unfortunately does not have access to the specific reason as to why we were denied. I asked if he could please transfer me to someone who could provide this information and he stated that unfortunately there was no one who could provide this information. He basically gave me a generalized response as to what the investors take into account as a whole when making their determinations on loan modification applications. No specific detail was given to me in regards to our particular application and or denial. This does not provide us with any assistance in bringing our mortgage to current and avoiding foreclosure which is ultimately what we are trying to do. Its if as though, they rather we loose our home.
Product: Money transfer, virtual currency, or money service

CashApp closed my account and accused me of gambling for no reason. I was only using the app to pay bills and get paid for selling sandwiches soups and salads. Also my uncle would pay me his portion of the rent. There was no reason for them to shut down my account. I reached out to them several times to resolve the matter. No one ever responded to help me except some automated email saying they would contact me but did not. This has really negatively affected my business that I am trying to start and just the way my every day life was set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting on-time payments to Equifax. XXXX XXXX XXXX is only reporting past due payments in payment history. This is a FCRA violation and negatively impacts my credit score. Attached please see excerpts from Equifax credit report clearly showing only past due payments in payment history for both account XXXX and XXXX.
Product: Student loan

I was solicited to apply for student loan forgiveness from a company called Fed Loans in XX/XX/XXXX. They told me that because I worked for a non-profit organization ( XXXX ), that I qualified for loan forgiveness after a 10 year period. I filled out the application over the phone and faxed all of their required documents, including tax forms and proof of income, as well as my employer 's tax identification number. I was required to reapply every year, and did so diligently and on time. After my attempt at renewal for XX/XX/XXXX, they came back to me with a denial letter. I still worked for the same company and had not even received a raise during my time with that employer. When I asked them why I did n't qualify, they told me that when I first applied, the person who took my application entered incorrect information and it disqualified me. I tried to explain that this did n't make sense because I qualified fine the following year, but they refused to listen to me. I had made several calls and attempts to requalify, to no avail. When I was forced to begin payments once again on my loans, the interest was higher than my previous ( XXXX ) service and I had 2 years of additional interest and payments added onto my loan ( because I had n't paid during the time I was " qualified '' for the loan forgiveness ). I feel deceived and angry. 
*I was a University XXXX student
Product: Credit reporting or other personal consumer reports

The account open date is according to TransUnion is XX/XX/2019. The date that is considered the open date has been inconsistently reported. On XXXX, the opening date is XX/XX/2019. If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. XXXX failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted the inconsistent and inaccurate information.
Product: Credit card

XX/XX/XXXX ( Sunday ) I received Invoice # XXXX via email from " XXXX XXXX XXXX XXXX, XXXX '' saying I had made a payment for {$3600.00}. This is a local company and all of their correct information was listed on the invoice. 

XX/XX/XXXX I immediately checked my Bank of America credit card account and the charge was listed as " Pending. '' I contacted the credit card company and told them this was a fraudulent charge. 

XX/XX/XXXX I called local law enforcement and they came to my home and filled out a report. I called XXXX XXXX XXXXXXXX XXXX XXXX  but they were closed. 

XX/XX/XXXX I contacted XXXX, the company that processed the payment, and was told they could not discuss the information with me since I did not have an account. 

XX/XX/XXXX I called XXXXXXXX XXXX XXXXXXXX XXXX Services to tell them that the charge was in error. They had no record of the charges and it appeared someone else was using their company information and using stolen credit card information to deposit money into an account via XXXX. I reported this information to the credit card company and the detective followed up with the XXXX XXXX XXXX XXXX XXXX ( they are a local business ). 

XX/XX/XXXX I placed a freeze on both my and my husband 's credit accounts. Activated XXXX credit monitoring through XXXX XXXX since we had received notification in XX/XX/XXXX that some of our information may have been accessed. 

XX/XX/XXXX Bank of America issued a temporary credit for {$3600.00} while they investigated. 

XX/XX/XXXX ( approximate date ) I received and activated a replacement credit card from Bank of America. 

XX/XX/XXXX Bank of America decided that my claim was invalid and charged put the fraudulent charge on my account. 

XX/XX/XXXX and XX/XX/XXXX I contacted Bank of America numerous times advising that this charge was fraudulent. They have agreed to look at the charge again, but the charge remains on my account. I mailed them information via XXXX regarding XXXX XXXX and XXXX along with monthly notifications from XXXX that none of our information had been found on the dark web. 

XX/XX/XXXX I went back to the invoice received via email XX/XX/XXXX. I clicked on the hotlink " your card dashboard. '' It gave me some options to change my card number and showed my NEW CREDIT CARD NUMBER! 

XX/XX/XXXX I contacted XXXX XXXX fraud department and they advised that the XXXX account belonged to a merchant. I sent them all of the information that I had regarding this payment. They sent me an email to share local law enforcement. I am waiting on a return call from the detective, so that I can forward the information to him. 

XX/XX/XXXX I called and advised Bank of America XXXX XXXX that my new credit card information was listed on the fraudulent invoice. The first person I talked to assured me they would not have shared that information, cancelled the card I received in XXXX, and issued a new card. A later call to Bank of America XXXX XXXX revealed that they would have automatically shared the card number with merchants including the one that made the fraudulent charge.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries and accounts that appear on my credit report. I believe these inquiries and accounts were either unauthorized or inaccurately reported, and I request that they be removed immediately. 

Hard Inquiries to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry and this inquiry should not be on my report. 

I am writing to dispute the following collection account that appears on my credit report. This account is inaccurately reported, and I am requesting its removal under the Fair Credit Reporting Act ( FCRA ). 

Account to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts above does not belong to me and needs to be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me should appear on my credit report. Since I did not authorize these inquiries or accounts, they must be removed immediately. 

Please find enclosed a copy of my credit report with the disputed inquiries highlighted. I request that you investigate and remove these unauthorized or inaccurate inquiries from my credit report as soon as possible. 

I expect to receive confirmation that these inquiries and accounts have been removed, as well as an updated copy of my credit report, within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

I've contacted Chase Bank numerous times about my financial hardship. I lost my job back in XX/XX/XXXX and received unemployment for six months. Much of which I used to learn new skills, continue to pay my debts, and support my immediate family. I have struggled tremendously with keeping a roof, utilities, and a working vehicle that's insured and maintained. I have even depleted all my savings from my 401k plan and no longer have any assets. I have not made more than 30k per year in over four years. 

Although these credit cards from Chase has helped me in times of need over the last four years, they have also created a burden that Chase will not provide a solution too. For more than a year I have asked Chase about my options. I have always paid my debts on time and now that I am in a worse situation I have been late approximately three months approaching the 90-day mark. I have cards from Chase which are all over their limits due to fees and fines alone. One is a limit of {$6000.00}, another a limit of {$3200.00}, another a limit of {$2200.00}, and a final card limit of {$500.00}. 

Knowing what I know now about credit cards and interest rates I would have never depended so heavily on the credit cards in times of need. Those times of suffering were way less than what my family and I are going through now. I am not looking to avoid my responsibility. I am just seeking help and options for an opportunity to pay it back on different terms that will not make me lose my place to stay in the process committing to astronomical numbers and interest rates. 

Minimum payments do not make a dent when your interest rates average north of 21 %. If you are not able to pay on time, there is an additional {$34.00} charge because you do not have the money to begin with anymore. On top of four other cards you can not pay so therefore that's {$170.00} in fees and fines a month which is approximately as much as my minimum payment for one card. 

They have informed me more than several times in the last year since XXXX they can not consolidate nor help with any plans to pay because I am not late or behind? This is hard to believe because now that I am behind I still have not been able to close the cards after talking to Chase and their departments. I have children in my household. The household will always take precedence over credit cards and my only problem is an employment problem besides how to get relief from these debts when it does not make sense to pay for them when it means losing your roof. 

Please. If there is anyone out there that can give me any advice on what to do about this, it would be highly appreciated. I've worked all my short life and ethically I want to do the right thing all the time even when no one is looking. Besides Chase credit cards, I have about {$4000.00} left in student loans that I am handling on my own. I have another credit card I am working on worth {$4000.00}. 

That's what I wanted to share and thank you to anyone and everyone reading this post.
Product: Debt collection

I used to live in an apartment building ( XXXX XXXX, XXXX, WA ). One day there was water leakage from above apartment ( Apartment # XXXX ) causing my carpet wet for many days. Management fixed the leakage but did not do anything to dry carpet. Carpet was wet for many days got ripped as time passed. I requested manager to change or repair carpet but she did not listen. In XX/XX/2018 i finally told manager if you don't change or repair my carpet i will not pay rent or i will move to somewhere else. She ignored and I did not pay rent and asked to repair carpet but she sent me a notice to pay rent or vacate apartment. She sent me 3 days evacuation notice on XXXX XX/XX/2018 without helping me out. I decided to move and i moved on XX/XX/XXXX and left keys with my neighbor XXXX apartment # XXXX because it was night time. XXXX handed over keys to manager next day. I called manger next days and informed that I left apartment yesterday and she said alright. But after couple of days she sent me an invoice for rent and new carpet change charges etc. My lease agreement was already finished in XX/XX/2018 and i was not signing lease because they were not changing or repairing my carpet. I was paying just month to month rent. I did not break any rental agreement. I have a copy of written complaint which was sent to rental company 's website about leakage and carpet problem. 
They wanted me to live with ripped and moldy carpet with my kids. Now they want to charge me for new carpet, attorney charges and rent ( $ 2200+ ) .The management ( XXXX XXXX ) sent bills to collection agency ( XXXX XXXX XXXX ) to collect money which is impacting my credit score and stress. I explained to XXXX credit bureau but they did not reply. Management also did not refund my {$600.00} security deposit.
Product: Checking or savings account

I went to Wells Fargo bank in XXXX XXXX, Ca at Branch # XXXX at XXXX on XX/XX/XXXX at the Wells Fargo in the XXXX XXXX XXXX. I made a cash deposit of {$140.00}. The clerk that recieved the the deposit was XXXX. I made a second deposit for {$200.00} at XXXX XX/XX/XXXX the clerk was XXXX as well. Upon checking the receipts it says the deposit credit date was credited on XX/XX/XXXX. Upon checking today XX/XX/XXXX there is no record that these deposits took place.
Product: Payday loan, title loan, personal loan, or advance loan

I made a mistake after I paid my insta cash for the month of XX/XX/year>. In haste I borrowed money out of my insta cash for the month of XX/XX/year> which is usually due at the end of the month of XXXX, but to my shock after totally repaying for the month of march, I realized that the instacash I borrowed was due XX/XX/year> at the beginning of the month, only a few days after I paid the previous month off. This is a greedy, heartless corrupt tactic that this company uses against it's clients. The app is inconsistent with its automated due date system and it is programmed to deceive their clients in to relaxing their concentration when borrowing their instacash right after paying off the previous month. Moneylion has put me in a bad position for the month of XXXX because I do not have the money and I get paid at the end of the month. I spoke to their customer service and they are very unsympathetic and extremely impatient, their customer service told me that all they can offer me is to defer the due date by 14 days and I'm very unsatisfied with that and I'm reporting them for their terrible corruption in their app system.
Product: Debt collection

After disputing the XXXX medical bill, it came back as verified. I contact this collection agency and told them this was not my bill, they ask me for my address and sent me a letter. In that letter, CPI listed an additional account and added a payment plan that I never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.
Product: Debt collection

THE FOLLOWING ACCOUNTS ON MY REPORT ARE NOT MINE, IVE REACHED OUT TO DEBT COLLECTOR AND THEY DIDN'T ALLOW ME TO EXERCISE MY RIGHTS AS AN CONSUMER : 1.DIVERSIFIED ADJ SVC ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2021