23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Globe Acceptance, who purchased my auto loan, refuses to provide statements of any kind and will only tell me my balance over the phone. I had requested and received on a few occasions a ledger, but they have told me that I will receive nothing further in terms of documentation regarding my loan. I was told that my XXXX bank statement served as record of payments to them. My loan is current and I have never been late or missed a payment.
Product: Mortgage

My mortgage company NATIONSTAR ruined my credit rating for no reason. 
I just received my annual credit report from XXXX in which it states, that I have not paid my mortgages for over 5 months and I 'm seriously delinquent. 
They also state, that I owe Nationtar an amount of {$2100.00} --, which is also untrue. 
Nationstar in fact owes me approx. {$800.00} in overpaid escrow fees, I owe them no money. 
And I have also never been late paying my monthly mortgages during the 10 year of my loan.
Product: Debt collection

I was a victim of identity theft and noticed a collection from JEFFERSON CAPITAL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against JEFFERSON CAPITAL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX . XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021
Product: Mortgage

I contacted my mortgage company HSBC XX/XX/XXXX to ask for assistance with my home loan because I have been unemployed since XXXX XXXX XXXX and my unemployment ended XXXX XXXX. According to HSBC website I should have been offered assistance. 
When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information. 
Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to help you. Losing a job, divorce, an illness or a death in the family are just some of the things that can cause a delay in paying your mortgage payment. If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, contact us. We 'll work with you to try to make the best of a difficult situation. Call Our Payment Assistance Line at XXXX. 
Instead of getting assistance I was told by XXXX XXXX XXXX XXXX that my condition was temporary and they could not help me unless I had a XXXX or a XXXX XXXX or was dead. They also sent someone to appraise my home which I was not informed about and was shocked when I received the information in the mail. XXXX also said that I had equity in the home as if I could get a loan without a job, and was told I could appeal which makes no sense because they never tried to help me. I am turning XXXX soon and finding a job at my age has been extremely difficult even more so because I have more than 17 years of experience. I have paid my mortgage since XX/XX/XXXX and I believe that HSBC is falsely advertising that they offer assistance to homeowners who have lost a job like I have. They even post this information on their website which again indicates they will help you. 
Consumer Advisory Please be aware of Mortgage Modification Scams and Foreclosure Rescue Scams. HSBC Bank USA , N.A . should be your starting point for finding options to resolve delinquency or avoid foreclosure. Your first step is to call Payment Assistance at XXXX. 
I do not understand how what they are doing is legal ; providing false information like this. 
When I asked for a copy of the note I was told this would take a month to get. I wasted precious time believing assistance would be offered to me when clearly it was not.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$32000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

This number, XXXX, keeps calling my husband without leaving a message. They claim to be looking for me. They said they were Southwest Capital calling about a debt but provided no other information. If you call the number it is an automated voice, and the only option is to give them your credit card to pay a debt. 

I checked my credit and am very aware of my financial statuses, I do not have any debt outside of my known loans.
Product: Vehicle loan or lease

I HAVE NO KNOWLEDGE OF THIS LOAN. UNABLE TO RECEIVE VERIFICATION -- - PROOF THAT THIS LOAN IS MINE I MADE SEVERAL REQUEST FOR DOCUMENTATION SOMETHING ANYTHING THAT PROVES THIS IS MY LOAN AND NOTHING HAPPENS, ON THE TELEPHONE THEY LAUGH AT ME AND HANG UP WHEN I WROTE LETTERS I GET NOT REPLY. 
IF THIS IS MY AUTO LOAN THEN I WOULD HAVE SIGNED SOMETHING.WHEN THIS LOAN WAS MADE I HAD NO DRIVER LICENSE. HOW CAN THIS BE I DONT KNOW WHAT TO DO ANYMORE IM TRYNG TO GET STUDENT LOAN TO GO BACK TO COLLEGE AND BEING DENIED STUDENT LOAN BECAUSE OF THIS FRAUD LOAN.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX. XXXX fraudulent account XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS FTC Returns more than {$14.00} XXXX to Consumers Deceived by Misleading Light Bulb Claims SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : consumer refunds deceptive/misleading conduct Bureau of Consumer Protection Consumer Protection XXXX and XXXX XXXX XXXX The Federal Trade Commission ( FTC ) is mailing XXXX checks totaling more than {$14.00} XXXX to people who bought XXXX XXXX XXXX brand LED light bulbs. 

The FTC sued XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX for violating federal law by overstating the light output and life expectancy of their LED bulbs, and falsely comparing the brightness of their LED bulbs with that of other light bulbs. 

A federal court ordered the defendants to pay {$21.00} XXXX to the FTC to provide refunds and banned them from misrepresenting material facts about lighting products. People who bought XXXX XXXX XXXXXXXX XXXX light bulbs between XXXX and XXXX, and do not receive a check, can apply for a refund at www.ftc.gov/lights. The deadline to apply for a refund is XX/XX/XXXX. 

Check recipients are receiving full refunds. The average check amount is {$28.00}. Recipients should deposit or cash checks within 60 days, as indicated on the check. 

If consumers have questions about the refund program, they should contact the FTCs refund administrator, XXXX XXXX XXXX, at XXXX. 

To learn more about the FTCs refund program, visit www.ftc.gov/refunds. 

PRESS RELEASE REFERENCE : FTC Shines a Light on Company 's Deceptive Claims for its LED Bulbs FTC Action Leads to Court Order Barring Misleading Light Bulb Claims FTC Sends {$68000.00} in Refund Checks to Consumers Who Bought XXXX XXXX XXXX XXXX Light Bulbs and Filed a Claim Common violations of the FCRA include : Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. Creditors give reporting agencies inaccurate financial information about you. ... Reporting agencies providing information to unauthorized persons or businesses.
Product: Money transfer, virtual currency, or money service

Used my Bank of America account using XXXX to transfer {$400.00} on XX/XX/18 to a contact who shared phone number, email & full name with me. He confirmed receipt of money transfer and went missing. Bank of America can't help nor can XXXX. Would really appreciate my funds back especially since BofA sponsors XXXX transactions.
Product: Checking or savings account

On XX/XX/XXXX, I was charged two separate charges for XXXX dollars each saying I had purchased something, the transaction showed up the next day, I talked to my manager the same day they said they had no clue about the charges. The next day I dispute the charges with my bank, Chase on XX/XX/XXXX. They gave me a credit refund for the charge and cancelled my card. Today XX/XX/XXXX I the credit refund was reversed. I called my bank to ask why and they said because the chip had been used no further explanation just the chip had been used I never gave anybody my card to use and two charges were there.
Product: Debt collection

I c systems during a pandemic actually hit my credit score for XXXX dollars from doctor XXXX. A doctor who in fact didnt do anything to help her patient XXXX her assistant had to me come in for my note .. and then doctor refused to give it asking why i was there .. I told her well I dont need referrals and the nurses all told me to come in over the phone .. I then walked to administrative department there getting into a full argument because I missed a whole day of work where which I get paid hourly cause of her. Ask the admin manager.. i havent been back to her office since. Also are they even allowed to hit my score during a pandemic
Product: Checking or savings account

Bank of the West gave illegal access to my aunt and I safety security box, where we kept our private documents. I have asked several times for the copies of everything, even after they admitted they were wrong and they have decided to ignore me. I gave them every document requested. They even had me come down on my birthday to collect the documents and pictures, and after having me stand out in the sun for almost an hour ( the location was closing ), they didnt give it to me. Not only do I strongly believe they racially discriminated against me but caused fraud to be committed against myself, my aunt and my children. They need to be responsible for the over $ XXXX in losses they caused immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.
Product: Credit reporting or other personal consumer reports

There is a Hard inquiry on my credit report from XXXX XXXX XX/XX/year> that needs to be removed
Product: Checking or savings account

On XX/XX/XXXX, I received a message and email from Chase telling me that my account is being closed. When I tried to call the number and ask about the reasons, they replied that they could not provide any reasons, but the fund would be sent to me in the form of a check after ten days. On XX/XX/XXXX, I tried to call back, but when I entered my debit card number following the instructions of the call, they said they could not find the debit card number so I could not event connect to a real person. I don't know how to follow up with Chase. They did not send me any information regarding the reasons for closing my account and when they will send my money back. I really need the money to pay my rent.
Product: Credit card

Please see the enclosed documents. I request the bureau to commence an investigation into these accounts where I am consistently on time, but they are incorrectly reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s code 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, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2018 for your inquiry in case # XXXX and again today XX/XX/XXXX, case number is XXXX # XXXX. 

I have never lived at this location and want it removed from my credit report immediately. 

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

I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I require the Credit Reporting Agencies to investigate and correct the following accounts from reporting erroneous and inaccurate information on my Credit File : XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$3400.00} XXXX  XXXX XXX Opened XXXX XXXX, XXXX Balance {$410.00}. As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXXXXXX XXXX I took a withdrawal out of my Binance USA account for XXXX USD ... .it told me it would be in my account in 3-7 business days ... well it's day 10 and the funds still aren't in my account ... .I 've sent a email but still no response from their team ... .I checked to make sure my bank info was correct and it is ... .so what is the hold up
Product: Credit reporting or other personal consumer reports

I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( XXXX, Equifax, XXXX ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three credit cards with XXXX XXXX XXXX. I was recently out of work due to the pandemic and was not able to make payments. I spoke with them and got my cards up to date, and asked them could they please remove the late payments that were reported to my credit report, as I thought the government asked creditors not to report late payments due to the outbreak. XXXX XXXX informed me that they could not remove the late payments. The late payments occurred in the months of XXXX And XXXX of 2020 on all 3 cards. Im looking to have these late payments removed from my credit reports as it is damaging my score.
Product: Vehicle loan or lease

I wired {$47000.00} to Bank of America on XX/XX/. When I logged in to verify the payment had been received by online banking was turned off and I was unable to verify they payment has been received. When I called Bank of America I was told a variety of bogus reasons why my banking was turned off, which now prevents from accessing any tax documents or statements, which were there. This practice is unfair and deceptive based on Bank of Americas reliance on the use of online banking. I requested written conformation ( to be received day of not in two business days ) that this payment was received. I was declined this request from XXXX and XXXX. XXXX was especially nonsensical in all of her answers, reasoning, etc., regarding the excuses that she can not do this. Bank of America should NOT turn off someones online banking for paying off their loan.
Product: Debt collection

XXXX & XXXX levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of {$800.00} and trying to get {$8000.00} more onXX/XX/XXXX. I called them on XX/XX/XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.
Product: Credit reporting or other personal consumer reports

I wish to dispute information that appears on my credit report for XXXX XXXX XXXX This account has been reported as 120 days delinquent as a result of late monthly lease payments. Upon thorough investigation on my part, this is not true. I have documented evidence in the form of bank account transactions that prove that I was not 120 days delinquent on monthly lease payments. I would like to add those documents to this complaint, however, the file is much too large to include online and would have to be mailed. The fees that are being reported are for overage charges that occurred after the lease period ended. The company did not notify me that there would be a negative credit report due to overage fees. In addition, the company continued to allow me two additional leases for 7 years and marked the account as closed. 

Due to current negative credit reporting, regardless of the closure of the account, not notifying me of the adverse credit reporting, and the payment of fees, the actions of the company has resulted in a negative effect for any future loans that I may be seeking to secure with any other company.