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

DEAR CONSUMER FINANCIAL PROECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUE WITH AND BUSINESS COMPANY GOES BY THE NAME OF SPEEDEE CASH INC SO ASLO I CAN PROVIDE MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUE IM HAVING SO ON DATE OF XX/XX/2019 OK I HAD CALL SPEEDEE XXXXASH STORE LOCATION IN XXXX MS AREA WHERE THE LOCAL STORE IN LOCATED AT AND WHEN I CALL AND SPOKE TOO THE CUSTOMER SERVICES AGENT OVER THE PHONE SO WHEN I 1ST CALL THEM I ASK THEM DO U HAVE TO HAVE GOOD CREDIT STORE WHEN I APPLY FOR INSTALLEMENT TYPE OF LOAN REQUEST SO ADVISE TOO ME THAT U DONT HAVE TO HAVE GOOD CREDIT RATING SCORE BUT I ASK THE BUSINESS COMPANY ABOUT THERE PRIVACY POLICY OF THERE BUSINESS PRACTICE SO I ASK THE CUSTOMER SERVICES AGENT CAN U APPLY FOR AND TYPE ON INSTALLMENT LOAN OVER THE PHONE SHE SAID NO U CANT APPLY OVER THE PHONE U HAVE TOO COME IN PERSONAL IN APPLY AND THATS WHAT I DID SO WHEN I GOT THERE IN PERSONAL THE CUSTOMER SERVICES AGENT HAD ME XXXX AND CONSUMER CUSTOMER TOO FILLED OUT LOAN APPLICATION AND ONCE THEY TOOK MY APPLICATION IN PERSONALLY SO THEN ADVISE TOO ME THAT I WAS DENIED OF LOAN INSTALLEMENT REQUEST SO THEN SHE ASK ME HOW MUCH I WANT TO BORROW I TOLD HER I WANT TO APPLY FOR LOAN REQUEST OF {$1000.00} DOLLARS AND AFTER THEY RUN MY CREDIT SHE THEN ADVISE TOO ME THAT I DIDNT HAVE ENOUGH OF CREDIT HISTORT TOO APPLY FOR NEW LOAN RQUEST SO I FILL LIKE THE BUSINESS VIOLATED MY PRIVACY RIGHT BECAUSE I ASK THEM THE CUTOMER SERVICES AGENT OVER THE PHONE WHAT TYPE OF DOCUMENTS U HAD TOO HAVE BEFORE I GET AND FAMILY MEMBER TO BRING ME OVER TOO THE LOCAL STORE IN XXXX MS AREA SO I HAD TO PAYMENT FAMILY {$40.00} DOLLARS ROUND TRIP FAIR EVEN KNOW I DIDNT GET APPROVED FOR NEW INSTALLEMENT TYPE OF LOAN REQUEST SO AFTER THEY DENIED ME I CALL THERE CORPORATE OFFICE AND I WAS NOT ABLE TOO GET IN TOUCH CONTACT WITH ANYONE SO I TRIED CALLING CORPORATE OFFICE SEVERAL TIMES NO RESPOND SO THIS IS AND ONGOING PROBLEM I HAVE WITH FINANCE DELAY NEED SERVICES SO ASLO I HAD AND COPY PULL OF MY CREDIT REPORT BEFORE I ALLWAYS APPLY FOR NEW LOAN REQUEST
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this hard inquiry. XXXX XXXX on XXXX XXXX on TransUnion credit bureau. This hard inquiry is fraud. Please remove this hard inquiry. I have put a freeze on my credit bureaus.
Product: Debt collection

Receiving repeated phone calls about a debt I do not recognize or owe. The person calling refused to identify themselves and was trying to solicit personal information and continued to communicate after asking for written correspondence and refusing to acknowledge the debt. 

Issue has been resolved and despite there being no debt owed, collector insists on calling and speaking over in what I deem an aggressive and markedly threatening tone. 

This type of harassment is unacceptable and unwarranted. 

Did not feel comfortable continuing the call and ended it when person on the other end of the line continued to raise their voice and keep talking while asking questions about a debt I do not owe or recognize. 

Asked for written correspondence after refusing to acknowledge or validate the debt and person continued to speak over and ask questions loudly. Felt extremely threatened -- a stranger calling asking questions about personal information and refusing to identify themselves lest those questions be answered then proceeding to talk loudly about a debt one does recognize or acknowledge then continuing to speak at a more rapid pace despite a request to end the call with said stranger or request written correspondence is quite overwhelming. 

Felt the direction of the call was getting increasingly obscene and truly unaware of who this person is or was.
Product: Checking or savings account

I submitted a claim with wisely or XXXX, about charges that are unauthorized on my card. They stated they did a review and its not fraud, I do not live or work in the area that the charges were made. My card was comprised but they will not refund the card. My case number with them is XXXX.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA XXXX and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
Product: Credit reporting or other personal consumer reports

I disputed this account MACYS/CBNA XXXX 3 months ago with XXXX and it came back verified, so i followed it up with a method of verification request on XX/XX/year>XXXX  and got no response. 
I also wrote Macy 's through CFPB on XX/XX/year> and the responded on XX/XX/year>XXXX  promising an investigation and a response. It has been 5 week since they promised an investigation, yet no response. My XXXX has been grossly violated and this account should be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

All three credit bureaus ( Experian, Equifax, and TransUnion ) have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences all three has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I traded a car at Mercedes two years ago and traded it for another car at the same dealer ship and they were to pay the the one I traded off but I have TT tied to get them to correct this on my credit report it still shows inhave a XXXX XXXX  loan out whe it should be closed and marked as paid I have reached out to Mercedes they are willing to help its expire and that is giveing me the problem they have computers who make choices for them
Product: Debt collection

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. 
The collection agencies are listed below : XXXX XXXX  Services {$XXXX} Opened XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$XXXX} XXXX Opened XXXX XXXX XXXX XXXX XXXX {$XXXX}
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX saw some hard inquiries that did not have permissible purpose.I also attached evidence XXXX. ( XXXX XXXXXXXX via dealer XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. ( XXXX XXXX XXXXXXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX  XXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX XXXX XXXXXXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX XXXX XXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX XXXX XXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX XXXX XXXXXXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX XXXXXXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX XXXX XXXXXXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. ( XXXX XXXX XXXX XXXX ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Mortgage

My mortgage company was contacted by the attorney representing me in the sale of my home and a closing date was established for XX/XX/XXXX at approximately XXXX. My mortgage payments are scheduled to be automatically debited from my checking account on the XXXX of the month excepting if the XXXX falls on a weekend. I contacted the account manager that is the contact for anything connected to the mortgage account in my name and instructed him not to debit my checking account for the month of XXXX as the home would be sold on the morning of the XXXX. The mortgage company debited my account several days early so they could receive the payment before I closed the sale on the XXXX. I instructed the mortgage company that by doing so they would change the outstanding balance on the sale price of the home and I would lose a full month mortgage for a few hours of ownership. I have requested that the mortgage company reimburse me for the withdrawal made from my account for the payment of the XXXX mortgage and have not yielded positive results from any conversation with them. Their intent to extract payment early was only so they could get one last payment prior to sale. The sale of the home went as planned on Monday XX/XX/XXXX XXXX and I lost a full months mortgage for a couple of hours of ownership. I instructed that if for any reason the closing did not go as planned then they could extract the payment on the XXXX which they have done several times before in the past when the XXXX of the month fell on a XXXX. I seek resolution for this issue.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA XXXX Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my XXXX request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX submitted a " remark '' to the three credit agencies which caused my XXXX score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact XXXX. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.
Product: Money transfer, virtual currency, or money service

My account was adversely restricted and closed due to fraudulent activity that I informed CHASE BANK customer service about. CHASE BANK received 2 fraudulent checks that was deposited directly into my account by the issuer without my knowledge and consent. CHASE BANK failed to verify the checks. Subsequently, CHASE BANK also restricted and closed my account without my knowledge and consent. CHASE BANK will not allow me to make deposits or transfers, yet, they allowed my money to be taken out of my account. Now my account is in the negative numbers. I wish for CHASE BANK to restore my account and to provide me my SOCIAL SECURITY check back. This adverse reaction is causing me undue stress, duress, harm and XXXX  abuse which is very damaging to my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Amount : {$2200.00} Date Opened : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Checking or savings account

On or about XX/XX/XXXX  I made several attempts to use the mobile deposit feature on the U.S. Bank NA mobile banking application. I received several egregious error messages over the course of more than two hours. On the last attempt the deposit appeared to be successful insofar as I received an email message, led to believe, ( timestamped at XXXX XXXX XXXX ) from U.S. Bank NA stating the status of the mobile check deposit was accepted, further stating weve accepted your deposit. and you will have access to at least the first {$220.00} right away. The check amount was {$120.00}. However, the date, in the contents of the message, was post-dated to XX/XX/2023 seemingly in contradiction to the aforementioned statement made, in the same message, funds being available right away. As of the end of business on XX/XX/2023 the funds still appear as pending in status. Additionally, the mobile application for the account, in question, also shows an available balance reflecting the mobile deposited check is fully credited to the business checking account, right away. I was misled into believing the funds were available for uses, such as, but not limited to, an internal transfer between two checking accounts, for less than the total amount of purportedly available funds. This led to further confusion as the balances displayed showed two separate, contradictory amounts ; one, the headline available funds reflecting the amount inclusive of the funds recently deposited, but, below that in a much less conspicuous font, secondly, an amount not including this amount, thusly, showing the account in a negative net balance. I believe, U.S. Bank NA is making intentionally contradictory statements about available balances and processing times, in an effort to confuse consumers, to induce action in an effort to create a scenario where a negative balance is rendered, however temporary, so the bank can then apply its rent-seeking, deceptive junk fees ( e.g. overdraft, and returned check ( s ) fees, etc. ) against the account holder. I believe this predatory action is blatantly profiteering. Such deceptive practices are designed, expressly, to maximize the number, frequency, and amount of unjustifiable, hidden junk banking fees generated against account holders, by definition, those who can least afford it. This type of rent-seeking fee may be a customary practice amongst super regional institutional banks, but, it should not be considered justifiable.
Product: Debt collection

This the second attempt to collect on same debt financial corporation of America just changed the amount to a higher amount.
Product: Debt collection

MEDICAL BUSINESS BUREAU has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with MEDICAL BUSINESS BUREAU yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a dispute letter was mailed to equifax which i can see they have received. I have yet to get any response into my dispute regarding collections listed on my personal credit report.
Product: Consumer Loan

Predatory lending - would like someone to look into a loan on a car note, which was at 20+ % rate. Tried to get a copy from the dealer, but the dealer closed. Contacted the credit lending company, but the case was referred to collections and a judgment was placed on my account. To this date, that bad debt is affecting my employment opportunities in the Federal sector.
Product: Debt collection

I've contacted JP Morgan Chase Bank multiple times, I also contacted the Credit Bureaus on XX/XX/XXXX and again on XX/XX/XXXX. JP Morgan Chase has been unresponsive and they continue to report a charge off balance due on my credit report when I filed for Bankruptcy protection on XX/XX/XXXX.
Product: Mortgage

My wife and I have been behind with our monthly mortgage payment. In order to bring the mortgage current we should come up with {$8200.00} which is what we owed. On XXXX XXXX, 2015 we entered in 3 months agreement plan with Shellpoint Mortgage Servicing. They asked {$2000.00} down to start the plan. We provided it to them right on the spot over the phone. The plan has set for the months of XXXX, XXXX & XXXX. According to the agreement if we kept it, in XXXX we should start paying regular monthly mortgage. Which supposed to be {$820.00} according to the original loan but Shellpoint has " jack it up to {$1100.00}. We will comeback to this point, let 's finish with the payment 3 months payment plan. On XXXX XXXX, we called we made a payment of {$2800.00} for the month of XXXX. They are classified this payment on credit report as XXXX payment. The {$2000.00} down showed that withdrew to XXXX XXXX ID XXXX $ XXXX {$5.00} fees transaction XXXX/XXXX/2015. 
On XXXX XXXX, 2015 we mailed a {$2900.00} cashier 's check. When we called on XXXX XXXX to make the final payment. They indicated they never received payment for XXXX. We made a {$2700.00} payment which should conclude our agreement. Because they said they did n't receive the check we sent, we went to the bank to verify. The XXXX has given us a copy of the check has cashed on XXXX XXXX by Shellpoint. After all those things, surprisingly Shellpoint sent a letter to inform us that we did n't keep the agreement is null. They ask {$4400.00} when we asked the representatives why is that money for? One of them said attorney fees and others. When called multiple times to ask representatives to review our account, some of them said they saw the amount of {$2900.00} check some of them said they do n't see it. Now they intent to foreclose in our mortgage even through we paid them. We have contacted XXXX as XXXX XXXX. They were helpless.