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

On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the Transunion details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX
Product: Checking or savings account

Account was closed without explanation on XX/XX/2020. It is now XX/XX/2020 and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life.
Product: Credit reporting or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : XXXX, XXXX, and Experian. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Dear Sir/Madam : Unfortunately, I need to file a complaint for a Dodd-Frank violation against DHL Mortgage Company in XXXX, NC. I was employed by the company from XXXX,XX/XX/XXXX until XXXX,XX/XX/XXXX I have been a loan originator in the mortgage industry for over 25 years. 

During the final month of my tenure with DHL, the company started paying me based upon their profitability on the loan rather than the loan amount. They illegally punished me for the costly lock extensions that were necessary due to their companys inability to process or close loans in a timely mannermany of these loan applications were taking upwards of 150 days to close due to the lack of loan processing and closing administrators. 

Additionally, they retroactively charged me more than my entire commission for three loans that were prepaid within six months.

I am attaching an email from the president of the company which explicitly outlines these illegal activities. 

I am also attaching a copy of my work agreement with my previous firm, XXXX XXXXXX/XX/XXXX which explicitly outlines my loan payments that were completely in compliance with the Dodd-Frank that states that originators can no longer be compensated based upon the profitability of the loan, only based upon the loan amount. 

I am unaware of whether this practice by DHL is related solely to my loans as an originator or if it is a company-wide procedure for the other 6 loan originators at the company. However, I would like to request an investigation of this matter by you at your convenience. 

Thank you for your time, XXXX XXXX XXXX NMLS XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my Equifax report it shows that my XXXX XXXX XXXX ( ending in XXXX ) is continuously reporting later and later past due and my score goes down for this each time. This account was paid in full during XXXX  ( XXXX  ) under the agreement that the negatives on the account would be corrected to reflect no late payments and the account was closed and paid with a {$0.00} balance due as of XXXX. 

It had been closed and paid and settled since XXXX with {$0.00} owed. This was now almost 4 years ago and it is still being routinely reported as XXXX days past due. XXXX XXXX says they dont have any late payments showing on their end but its still re reporting every month that I am later and later behind on payments for an account thats been paid in full and closed for 4 years. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to XXXX XXXX and send me a copy of my updated credit report. I give the company full authorization to investigate this matter. 

I XXXX XXXX gives TransUnion authorization to continue.
Product: Mortgage

Company is not refunding my escrow balance. Home is Sold loan is paid in full. Company has not refunded within the 30 day time frame they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened a fraudulent account in my name XX/XX/2013 The account is a result of Identity Theft. I did not authorize this account to be opened
Product: Student loan

I have had these two student loans for 15 yrs. First with XXXX, XXXX now with Navient and each time it changed hands I owed more and the balance hardly moved and I have been paying on them for 14 yrs., because the first year after graduation I did a deferment. I  feel they have steered me toward repayment programs that make me ineligible for government loan forgiveness programs. I do work for a XXXX XXXX XXXX, but each time I have called over the years asked questions as to why my balance never seems to go down or that it doesn't go down enough or when the financial institution changes I own more money, If this was a car loan with & .25 % interest it would have been paid off already years ago. No one can answers my questions. I have a daughter who is now in school and with my loans on top of living I can't afford to help her out and it is still putting my debt to income ratio in the hole, so I can't even sign for her student loans. This is ridiculous, had I known I would have never went back to school to try to better myself, it's just not worth it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX MI XXXX please remove these closed accounts there were no account numbers 1 ) XXXX XXXXXXXX price $ {$470.00} 2 ) XXXX XXXX {$0.00} for 1 ) XXXX XXXX XXXXXX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX {$1500.00} 15 U.S.C. 1681 section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1C ( a\5 ) Section State : No consumer reporting agency may make in consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crime which are antedated the reports by more than seven years.

15 U! S.C. 1681s2 ( A ) ( 1 ) A A person should not furnish any information relating to a consumer to any consumer reporting agency if the personals or has reasonable cause to believe that the information is in accurate.
Product: Debt collection

Company name is now called XXXX XXXX XXXX. Prior company named was Commonwealth Financial. They keep changing names of company so it will impact credit negatively. I know this due to the phone call i recieved from the company. They do this so credit scores will not be able to rise due to an old debt, but looks like a new debt to credit agencies. all because they keep changing name of company. Its not supposed to reflect negative on credit if the debt is over 2 years old. Its a shame that because i went threw a hard time no health insurance, that I have had negative items on my credit for almost 7 years. How can one ever get ahead if there are companies acting out with gray business practices? This has been going on for 7 years now on my credit, they have changed names atleast 4 times. they do this to the people that are unable to pay very old debts. An agent for there company told me that some 5 months ago when attempting to collect the debt.
Product: Credit reporting or other personal consumer reports

I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.
Product: Student loan

In past years Fedloan and previous student loan service providers steered me towards Forbearance and Deferments. Yes, I was struggling and often unemployed or under-employed. However, I simply needed to get a monthly payment that I could handle. I was never told that interest would not stop and that these periods of time would count against me. Now, these past Forbearance and Deferment periods are equivalent to financial death sentences for me and my struggling family. As a XXXX and an older ( senior ) head of household impaired by XXXX and other health challenges, I simply am at my rope 's end. Please help me help my kids. Please. 


Please assist me in accordance to the U.S. Department of Education 's policy intent, to count these Forbearance and Deferment periods as qualifying payments towards my Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application.
Product: Credit reporting or other personal consumer reports

Experian has 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 against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : UXXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX UNAUTHRORIZED INQUIRIES : 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

The XXXX XXXX, financed item purchased from XXXX, half of the items were returned to XXXX in due time. XXXX XXXX never credit my account, instead reported me as delinquent, finally they credit a very small amount, about 8 % no explanation was given despite my repeated calls! I disputed the reporting with Experian but Experian took XXXX XXXX word over me. The accounts were paid in full! XXXX XXXX XXXXXXXX XXXX and they ruined my credit! XXXX XXXX, 2023, amounts were {$640.00}, paid all back except for credit by XXXX of {$46.00}. Predatory lending
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I ordered three different withdraws from Coinbase to my XXXX checking account. The amounts are {$200.00}, {$67.00}, and {$3.00}. The transactions say complete on their app and that the money should have arrived by XX/XX/XXXX. It is now XX/XX/XXXX and I have not a clue where the money is. Their customer support said my transaction went through but there is still no money in my account so I replied back to them and received a vague answer with no clear direction. I need the money and they seem to be beating around the bush on its whereabouts. I have attached a .pdf of my transactions and conversations with customer support.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I Zelled {$610.00} from my XXXX  XXXX checking account to my husband 's XXXX XXXX account, using his email address XXXX, he did not receive the money, my husband let me know he recently unenrolled his email XXXX and enrolled his phone number XXXX because he was having trouble receiving funds via Zelle with XXXX XXXX XXXX After reviewing my transaction on my XXXX XXXX online bank with Zelle the transaction shows delivered for Friday XX/XX/year> so we waited after XXXX holiday. As of XX/XX/year> we phoned XXXX XXXX they do not see any transfer deposits made to my husband 's checking account for {$610.00} and XXXX XXXX shows my transfer for {$610.00} was delivered they cannotcancelthe transfer and its not pending with errors. I filed a claim dispute and XXXX XXXX stated it would take 45 days and they would temporarily deposit the {$610.00} dollars back into my account after 10 business days. On XX/XX/year> I had my husband unenroll his phone number using his XXXX XXXX Zelle and re-enroll his email to see of the money will go through and it did not.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Coinbase disabled my account with asset worth {$32000.00}. I could not login to my account, since that time I sent them more than 17 emails, and I did opened three complaint cases with them, but without any response accept the auto replay emails that stated they will look into it and return to me after 15-20 days, till now I did not get any response from them and I don't know what to do, this is my life saving money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital one back in XX/XX/2019 to make arrangements for my account balance as I am XXXX and can no longer work.In addition, my husband was laid off temporarily from his jon at the XXXX due to the shutdown. There website said they have programs to help, so when I called them on XX/XX/2019 they said they would enroll me in a hardship program, and as long as I made the minimum payment every 30 days by my due date, they would report favorably to the credit bureaus. I made my payment each month before the 30 day mark and they randomly report my account past due for months it has not been. I have escalated this so many times and they say there is nothing they can do to help me and they clAim they can not find the call, even though I have given them the date many times. They refuse to honor their payment arrangement. I even tried to enroll in debt management since they refuse to honor the arrangement and they denied it saying I can not participate. At this moment they have denied all attempts I have made to pay and refuse to keep their own word to honor their arrangement. I am looking for an attorney to help me in this matter. I would like for capital one to update my credit report for reporting me late when I was not for XX/XX/2019, XX/XX/2019, and for some reason now XX/XX/XXXX and XX/XX/2019. Their corporate is no help and doesnt help, but says sorry there is nothing we can do to help you, go file bankruptcy.
Product: Debt collection

Received a letter from Revco Solutions for {$57.00} from XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX. 
As to my knowledge I never received a bill in the mail. However I did receive a letter in the mail about a Notice of XXXX XXXX involving my XXXX XXXX. 
I would like the name and address of the original creditor mailed or contacted. If this happens to be my bill, I would be more than XXXX to pay this bill. 
If either collector wants to email in writing to remove debt from my credit report through pay for delete agreement. 
Thank You
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TransUnion Bureau for their failure to properly investigate and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
On XXXX submitted a dispute to TransUnion Bureau regarding a late payment reported on my XXXX XXXX, account number ending in XXXX. I have never missed a payment for this account and requested that the credit bureau either provide proof of the alleged late payment or correct the error to reflect on-time payments. 
TransUnion Bureau responded, stating that the late payment had been " verified. '' However, they failed to provide any documentation or proof of the alleged late payment, nor did they explain the steps they took to verify the information. This indicates a failure on their part to conduct a thorough and reasonable investigation as required by the FCRA. 
After receiving this unsatisfactory response, I contacted the credit bureau again to demand proper proof or the removal of the inaccurate late payment. To date, TransUnion Bureau has not provided any sufficient evidence to support the claim of a late payment, nor have they corrected the error on my credit report.

As this inaccurate information is negatively affecting my credit score, I am requesting the CFPB 's assistance in resolving this issue. Specifically, I am asking for : 1. A thorough re-investigation by TransUnion Bureau with clear documentation or proof of the alleged late payment, if such exists. 
XXXX. The immediate correction of my credit report if no evidence of a late payment can be provided. 
3. Confirmation that TransUnion Bureau is following proper procedures for handling disputes in compliance with the FCRA.

Please find attached copies of my previous correspondence with TransUnion Bureau, including the original dispute letter and their response. I would appreciate your help in ensuring that this matter is resolved fairly and that TransUnion Bureau is held accountable for their failure to follow federal guidelines.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX