23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Seriously, it's been XXXX since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Product: Credit reporting or other personal consumer reports

I recently check my credit report i noticed that i have victim of my identity theft and found numerous credit inquiries, close account, personal loan that i have knowledge of. here are the inquiries i found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PERSONAL LOAN, XXXX XXXX, ACCOUNT CLOSED XXXX  XXXX XXXX please remove these fraudulent enquiries from my credit report
Product: Vehicle loan or lease

On XX/XX/2020 I turned in my vehicle lease number XXXX and at the same time I leased a new vehicle. In leasing the new vehicle I paid the first month lease payment. At some point I received a bill from KIA XXXX  in the amount of {$360.00} I called KIA Motors and inquired about the billing. I was told that there was excessive wear on my tiers and I didn't tern in one of my keys. As part of the initial lease, I had purchased insurance which was added to my lease payment every month. I let them about the insurance. I thought the issue was resolved. 
I then get another billing in the same amount, this time they claim that I missed a payment.I requested that they provide me with a specific month that I missed. They were never able to establish the specific month. They then reported a delinquency to the credit companies badly damaging my credit standing. As a result even though they still didn't provide me a specific month that I missed a payment I submitted a payment to the collection agency they had referred the situation to. I am seeking the repayment of {$360.00} which was paid on XX/XX/2020. I essence KIA XXXX has charged me payments on a car that I nolonger had access to. I am also seeking that my credit record be corrected.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX my account was debited {$150.00} and caused my bank account to be overdrawn. Then the following day on XXXX XXXX my account was debited for the same amount {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today at ( XXXX ) XXXX XXXX, on Monday, XX/XX/2023, around XXXX XXXX  Pacific Standard Time . A female agent answered the phone. I told the agent Im calling to file a dispute. The agent said you can only dispute online. She said disputing online is my only option. This is false and she is wrong. Anyone has a right to file an FCRA dispute over the phone. After I told her I have a right to dispute over the phone, she stopped talking and disconnected the telephone. There was a long moment of silence before she hung up. This is inappropriate.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo Dealer Services. My payments were never applied correctly I got behind and made proper arrangements to secure the loan made the payment and the car was repossessed. I wasnt given any information to get the car back. I was never refunded for GAP insurance or the fee they tacked on. To make things worst their towing company stole valuable things that was in my car that were also sentimental from my deceased father that had recently passed during that time. I contacted Wells Fargo they sent me a cashiers check in the amounts of {$8.00} and {$27.00} those amounts are extremely wrong. Just the refund on the GAP insurance would have been more than that. I had expensive things in my trunk because I was traveling the following day prior to the repossession. I want to be compensated for everything I lost.
Product: Credit reporting or other personal consumer reports

I notice on my credit report that accounts i had disuputed before stating identity fraud i ask to investigated but i never heard them
Product: Mortgage

I started my application process on XX/XX/XXXX. I was denied on XX/XX/XXXX. The loan originator said the application was denied due to the contractor. The contractor provided all the necessary materials and had worked with the bank and the loan originator in the past and referred him/the bank to us. During the application process, there were a number of uncertainties. I spoke with the loan originator on XX/XX/XXXX and he gave us a rate and asked did we want to lock it. We agreed. When he tried to lock it he said his system was not working and he would try to troubleshoot and call us the next day. I did not hear back from him untilXX/XX/XXXX. He once again offered me a rate and went on to say his computer was acting up and he would try to lock it later. I sent him an email onXX/XX/XXXXto ask about the rate. He responded by saying the help desk could not help him and our rate is safe. On XX/XX/XXXX, I received an email stated the rate was finally locked. On XX/XX/XXXX, I reached out via email asking what we needed to do in order to get the appraisal done. He explained that we needed to order a visa/ mastercard and that he could order that. He then told us we did not sign documents sent out on XX/XX/XXXX. I told him we did not receive any documents on XX/XX/XXXX. I talked to him XX/XX/XXXX and explained to him that we only received the one document to sign not a multi page document to sign. After our phone conversation on XX/XX/XXXX, I followed up with an email asking him to resend the documents. I never received the documents and on XX/XX/XXXX he sent the denial email.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries is unknown and erroneous. The inquiries were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following accounts removed accordingly. 
XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, 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 name : # XXXX, Account name : # XXXX, Account name : # 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 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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

Reporting information on credit report wrong
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX Iam disputing all incorrect info. On my lexis Nexis consumer report. Everything is inaccurate Below I will list what information is ACCURATE PERSONAL ADDRESS XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/1987 SOCIAL SECURITY # XXXX ID # XXXX NAME : XXXX A XXXX XXXX XXXX XXXX XXXX A XXXX Everything else on my Lexis Nexis report is inaccurate or fraudulent All inaccurate or fraudulent information must be disputed and removed from my consumer report thank you 15 U.S.C. 1681i
Product: Payday loan, title loan, or personal loan

I was told by lender that they will lower my interest rate after making 4 payments on the {$25000.00} loan I made with them. After paying over {$6600.00} in 4 payments they did the refi and the contract still stated {$25000.00} as the loan amount. To date I have paid them the {$25000.00} and over {$20000.00} in interest. This loan should be paid in full as my understanding was the refi was for 24 months but I am being told that there is another 12 months left. If you are not able to get this situation resolved, I will be making a claim with the Attorney Generals Office and filing a lawsuit.
Product: Credit card or prepaid card

Hello, I recently applied for credit and was denied due to a delinquency and now collection against an old credit card of mine. The credit card is BARCLAYS BANK DELAWARE. I went on XXXX XXXX and it shows they are saying my account is delinquent {$360.00}. I disputed the amount on the phone with them last week XX/XX/XXXX and they told me there is nothing I can do because they've sold the debt to a secondary debt collector and this issue is getting out of control and effecting my ability to get access to credit. Below is the timeline of events against my account with Barclay. 

Last Payment Made : ( PAID IN FULL ) XX/XX/XXXX At this time I put the card in a secure location and NEVER USED IT AGAIN Unaware to me a FRAUDULENT charge was Made : XX/XX/XXXX in the amount of {$3.00}. Barclay would not say how than my account got to {$360.00} but I am assuming they were continually charging my account late fees and interest. 
I WAS NEVER ONCE CONTACT BY MAIL, PHONE OR EMAIL notifying me Barclay Bank Delaware Closed my account : XX/XX/XXXX Again I was never contacted notifying me of this action taken I finally relieved there was a problem XX/XX/XXXX and immediately contacted Barclay first to understand what happened and second to report fraud on my account. The first represented told me about the {$3.00} charger back on XX/XX/XXXX but would not tell me how the account got to {$360.00}, I was than transfer to an account specialist who told me they sold the debt and that they could not speak with me or resolve the debt, I than requested to be transferred to their Fraud department and I was hung up on TWICE. Barclay customer support would not tell me the name of the debt collector and I am at a loss on how to resolve this. 

Please help. Thank you.
Product: Credit reporting

Equifax refuses to block items on my report due to my Identity theft. I have sent the appropriate documentation and requested that they remove the items from my report.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( XXXX XXXX. XXXX XXXX, 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 TN XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( SXXXX XXXX. 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 ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Attempted to get my free annual credit report from XXXX for more than 2 months now. Experian still does not allow that website access. 

**WEBSITE QUOTE** We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **END QUOTE** I have gotten this same message for too long. I thought that it was the law that this information is made available to consumers and that this website is where we are supposed to go to get this information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processe was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

Select Portfolio Performance Servicing accepted my application for mortgage modification, a process I started XXXX XXXX. They repeatedly denied accepting documents they asked me to submit. I have since learned that my mortgage is part of an auction by XXXX XXXX for non-performance loans. My current mortgage agreement was constructed by my attorney while I was taking XXXX. I told him the final modification arrangement was not what we discussed before I signed but I was unable to prove it so I signed, with the expectation that when I recovered I could get a new modification with more favorable terms. 

My current mortgage only allows me to pay a percentage of the original loan plus the original loan, with principal and interest applied only to the percentage of the original loan, with the original loan amount ballooning. 

I am financially able to pay a modification of this mortgage. I have never been late in the 8 years since it was modified. Right now the way my mortgage is structured I cant get it refinanced because the property value is less than the outstanding balance. The Remedy I seek is to be removed from the NPL ( non performance loans ) pool so that I can refinance my loan. 

Select Portfolio Performance Servicing has not been acting in good faith but has demonstrated they are withholding giving me a fair underwriting determination for refinancing, that I have more than sufficient assets to support. 

What documentation do you require from me to assist you in reviewing my claim?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

Remedy for using the right of offset on exempted XXXX and trust funds by Bank of America I am on a XXXX income due to a XXXX XXXX XXXX XXXX XXXX XXXX which placed me in the XXXX XXXX XXXX  and a number of other hospitalizations resulting in my inability to work. This has led to the closure of my company XXXX XXXX XXXX and drastic reduction of my income from XXXX per month to XXXX per month. 
I have informed Bank of America it is possible that I will be able to pay overdue business accounts once my long-term XXXX starts XX/XX/year> The bank exercised the right of offset on XX/XX/year>, and debited {$350.00} when a payment from my deceased parents estate trust hit my account, intended to pay my rent since I was unable to with my XXXX payment. 
Either way the bank can not prove that {$350.00} was not the funding from my XXXX payment of {$460.00} which was also in the account. This is a violation of New York Civil Practice Law & Rules Section 5205, Trust exemption, 1, which states Except as provided in paragraphs four and five of this subdivision, all property while held in trust for a judgment debtor, where the trust has been created by, or the fund so held in trust has proceeded from, a person other than the judgment debtor, is exempt from application to the satisfaction of a money judgment.

Additionally, the banks offset notice violated New York state statutes requiring the offset to be mailed the same business day. The offset occurred on XX/XX/year>, and the notification is dated XX/XX/year>. This is a violation of Banking XXXX XXXX XXXX, XXXX of set off which states No banking institution shall assert, claim or exercise any right of set off against any other deposit account held by such banking institution unless, prior to or on the same business day of such action, notice of the set off together with the reasons for the set off are mailed to the depositor. 
The bank should refund this money and cease the right of offset. I am a long-term Bank of America customer with documented statements of intent to pay off the overdue accounts at earliest availability. The XXXX XXXX XXXX XXXX has been approved and will begin paying at a higher rate than the short term XXXX effective XX/XX/year>.
Product: Vehicle loan or lease

Ally financial reporting inaccurate payments on my loan and don't know were all the interest comes from really don't know if my account is accurate
Product: Credit reporting or other personal consumer reports

Equifax continuously reports back account is accurate within only 24 hours. The investigation should take more than 24 hours if a proper investigation was done. 

The account in question is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt on my credit report that is not mine. This account is a fraud account and not mine. I have never had an account with XXXX XXXX or ever received any cameras, or systems in my home. This is a mixed file and I demand this account to be removed off my credit before the next call I make will be to my attorney.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I received an e-mail from XXXX XXXX of Title Cash Now.Com at XXXX XXXX XXXX in XXXX, Georgia, XXXX, stating she wanted to " help me ''. I went to her office to what I thought was to discuss and settle the payment for my car, and as I was speaking to her, she called an armed police and a tow company, grabbed the keys from me, threatened me at gunpoint, and towed my car. XXXX XXXX, the General Manager of the office know as Title Cash Now.Com title pawn. The police officer was XXXX XXXX, and the tow company was called XXXX XXXX XXXX XXXX. They have several offices in XXXX, Georgia and hide under the number Title Cash Now.com, which I checked and was not registered under the state of Georgia. The company registered is called TCN , Inc. owned by XXXX XXXX XXXX. 
They are usingunfair, deceptive or abusive practice that violate federal law. They continue to expand with more stores in XXXX, but are not held liable for their criminal activity toward consumers. As in the case of CFPB Vs. XXXX XXXX, XXXX. they violate all of the same violations, and even more. They do not explain the risks involved with their process, such as this instance where they use threat, deception and violence, and do not encourage early payoffs. I hope that CFPB will investigate this company and bring justice to all who have been harmed by their illegal activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrote a liability property insurance for my residence. That account number is XXXX. It was for XXXX XXXX XXXX XXXX, # XXXX, XXXX, Illinois. 

I cancelled the policy by letting it lapse. I decided to not renew the policy. The premiums doubled during the course of one year. The anniversary of the policy renewal date was XX/XX/2022. I was paid up through XX/XX/2022. I no longer needed the policy. 

XXXX XXXX assigned {$80.00} to CCS Collections of XXXX, Ma. That Collections was reported to the three major credit reporting agencies. I disputed the account. XXXX and XXXX immediately removed or deleted the account. I received a confirmatory email within a few minutes from both. I disputed the same account twice with XXXX and they " verified '' and refuse to delete it.
Product: Mortgage

I tried to close my escrow account on my mortgage. Citizens approved.But they told me to pay cancelation fee for XXXX dollars. They said when they opened this escrow account for me, I signed a contract with them, and I agreed that One day I want to cancel this escrow account, I should pay cancelation fee. 

Actually I never signed those things with them. because I originally applied this loan from XXXX. XXXX wanted to make sure I have enough money to pay future taxes and insurance, they required me to leave XXXX dollars in my save account in XXXX for 3 years. And I did. SO I fulfilled my duty or obligation. I never agreed to loaner that I would pay cancelation fee. 

I called citizens. They worked on it for more than 3 months. They kept charging employee to work on it. at first, XXXX, then XXXX, then XXXX. A lot of supervisors tried to wok on it. Actually most of time they just answered my phone call, then in future, all of them were hiding, and never pick up my phone, never reply email. they just told me wait ... and wait...