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

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, XXXX XXXX, and Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERIFINANCIAL SOLUTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so these accounts need to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all XXXX the XXXX above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you to delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Checking or savings account

I made a large deposit with the teller ( 03 ) at my PNC Branch ( XXXX ) on XX/XX/XXXX at XXXX. I also requested a new ATM/Debit card because my existing card had a degraded magnetic stripe. I gave my old card to the teller and was told it was deactivated. The teller then told me she was unable to provide me with a new card, and that it would take 7-10 business days to be mailed to me. This leaves me without electronic access to my account until next month. I use this debit card to pay my monthly bills, buy my groceries, buy gasoline, and order dog food off XXXX. I do not feel safe carrying large amounts of cash. The teller offered no recourse and was dismissive of the disruption this will cause me. Furthermore, the funds from the {$10000.00} deposit I just made are unavailable until the checks clear, so I can not just close this account and go to a different bank that is able to offer me a working debit card. I have been a PNC customer since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am a Capital One Bank, long-time customer. They offered me XXXX and I agreed to use installed in the bank account app. I trusted this service as I trust most of Capital One 's products including a credit card Quicksilver. Unfortunately on XX/XX/XXXX, My wife and I suffered a scam A person hacked my aunt 's XXXX account and my wife got a phone call impersonating my aunt crying and screaming her asking for desperate help for her son in trouble in a different state where she lives. My wife texted me about the situation while I was at work. And I sent money through XXXX to the persons that were about to put in problems, my cousin. I sent {$180.00} to a person named XXXX XXXX phone number XXXX XXXX XXXX and {$500.00} to XXXX XXXX phone number XXXX. My wife sends also {$300.00} through XXXX with XXXX XXXX. After I tried to call my aunt with no luck we got suspicious then a parent called me about my aunt 's account on XXXX being hacked. 

I immediately called the bank to cancel these transactions after an hour but the security department at Capital One indicated to me that they couldn't stop the transaction and that I would receive a temporary credit for this amount till they investigated that a team would call me for more information the employee never ask me what happen he just proceed to open a claim. This never happened no temporary credit, no refund Nobody called me to see what happened. After almost 2 weeks they told me my claim was denied cause I authorized the payments. I tried to go and talk to a manager and he did the same didn't ask me what happened and just told me there was nothing to be done. 

I never received advice from the bank that there are not protection fraudulent situations. 


In the end pain, anger frustration hit my family, I contacted the persons to whom I sent money and I got to talk to them on the phone They denied everything and refused to give my money back. My wife got her {$300.00} back from XXXX XXXX Capital One refused to help or even notify authorities about this scam.I lost money and the bank gave no support and very little orientation about XXXX despite their being part of the bank consortium that owns XXXX.
Product: Vehicle loan or lease

I purchase a car from a dealership and was taken advantage of by an act of predatory lending. When i spoke with the finance Department I was told it was a simple interest loan and there are no early payment penalties. I spoke with them and told them the rate is above the State of Florida maximum auto rate and was told that is not correct spoke with the bank and they told me they could not adjust the rate to the legal rate. Chrysler Capital is a part of Santander Consumer which was sued for {$550.00} million for the same thing In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid. 

What are the usury laws in Florida for car loans? 
What rate can be charged? The maximum permissible interest rates in Florida are 18 % per annum simple interest for loans up to {$500000.00}, and 25 % per annum simple interest for loans of {$500000.00} or more. Note that those figures represent simple interest per
Product: Mortgage

My name is XXXX XXXX, I am a XXXX, decorated XXXX Veteran, and XXXX from XXXX and facilitate support groups for veterans with similar conditions. I am honorable and generous in nature, however through these transaction ( s ) I have been severely defrauded, emotionally and financially injured as a result of the predatory business practices of these companies. I need your assistance to seek restitution against this Company : Central Mortgage Funding. 

Facts and Details : On XX/XX/2023, I was contacted by XXXX XXXX at Central Mortgage Funding located at XXXX XXXX XXXX # XXXX, XXXX, MI XXXX, soliciting a cash-out loan for my dwelling. This company began collecting my information and promised to provide a loan at 5.75 % with {$290000.00} cash out and to close by the end of XX/XX/2023. I was advised by XXXX XXXX that they needed to obtain a Termite report and funding will be at the end of the month, XX/XX/2023, at no cost to me. 

Termite Inspector XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once these items were provided, I was advised by XXXX XXXX not to pay my monthly mortgage payment, as they promised to close the loan at the said terms described previously. There has been a very long delay and the XXXX XXXX XXXX continued to delay the closing, I called them after the inspection left a message it had been completed and it passed, and I have yet to hear from XXXX or anyone from the Company, I have called and left many, many messages. I am late on my house payment again. 

Eventually, XXXX  XXXX XXXX never provided the loan as stated. Because of the malfeasance of the XXXX XXXX XXXX and XXXX, I have been defrauded, misled and incurred significant damages. 

I further believe I was purposely advised not to pay my mortgage so my credit score would diminish, providing XXXX XXXX XXXX another angle to press me for additional fees and funds. 

The damages I have incurred : -A deficiency on my credit report of a Late payment due to XXXX XXXX XXXX advising to not pay my mortgage. This could also create a risk of foreclosure. 
-Multiple and unnecessary hard inquiries on my credit report, creating a deficiency in my credit score. 
-I have been misled, misrepresented, and lied to, which has caused me emotional distress and fatigue. 
-I have lost money due to late payments on my Home and Personal, which all my bills were supposed to be paid off.

-I am basically now in a greatly diminished capacity to attain a loan from another provider.

-Recently I've learned from my homeowners insurance policy is Central Mortgage Funding LLC is the Lien Owner on my policy.

Your assistance is needed and appreciated to stop this mortgage company from misusing and abusing citizens. 


Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX remote ) at a major university. I received an email got a professor seeking remote opportunities for a research assistant. I responded. Did the work. A check was sent via email to my school account to deposit the check. It showed it as deposited in my account for {$2000.00} to pay for office supplies. They needed me to order the office supplies so I can start working. So I sent {$1600.00} via XXXX to the personal ordering supplies. This was XX/XX/XXXX. Today XX/XX/XXXX Bank of America said it was a bad check the {$2000.00}. So I reported this to the fraud department today the person I sent XXXX to, the text phone number from the fake professor. Bank of America said they can not guarantee I will get my money back. I told them any fraud through said should be recovered and returned to me. I submitted a scan claim to FBI today XX/XX/XXXX. I also submitted a police report to XXXXXXXX XXXX police today also. And I called XXXX university police but they said first I need to file a complaint where I live, I have all emails and texts and XXXX name saved. I hope you can assist. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, Experian, XXXX, and XXXX. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report from the 3 credit reporting agencies. Although I have not heard back from XXXX and XXXX yet regarding my disputes filed with them, TransUnion came back and said that 5 accounts I filed disputes on were verified as accurate and upheld, despite zero evidence or data. 

These 5 accounts are not mine. I had no knowledge of them whatsoever. My insurance company, XXXX, had 3 data breaches over a 30 month period of time. I believe my information was used to falsely open accounts in my name. I called TransUnion and asked to see original signature cards or what proof they had collected during their " investigation '' that led them to this conclusion. TransUnion employee XXXX told me to reach out to yall and and that yall would be my best resource in correcting this. 

Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Altogether total is {$7100.00} dollars erroneously reported on my credit that TransUnion will not remove and " verified '' without any evidence or investigation at all. At no time did a TransUnion employee call me and request to verify what these charges were nor to see If I made them. I DID NOT. Now I'm trying to buy a house and can't because these faceless people refuse to be held accountable for a system mired in cloaks and darkness that nobody can explain and who's criteria is a mystery, but yet who's score controls so much of our lives. 

The period of time when these card accounts were opened, I had not opened a credit card account in YEARS. These are not mine. I'm requesting the CFPB 's assistance in compelling TransUnion to do what they should have done and removed it immediately in error with an apology and without delay.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called XXXX and XXXX XXXX Comenity Bank ) to pay off the promotional balances that were going to be due very soon for the amount of {$3800.00}. They include : Promotional Amount Balance XXXX XXXX {$390.00} XXXX XXXX {$290.00} XXXX XXXX {$180.00} XXXX XXXX {$29.00} XXXX XXXX {$1400.00} XXXX XXXX {$610.00} XXXX XXXX {$290.00} XXXX XXXX {$550.00} XXXX {$3800.00} I spoke with a customer service representative who assisted me with the payment and who assured me that there would be no issues. The reason I called a service representative instead of making a payment online was because I had requested a forbearance in XX/XX/XXXX because I was laid off due to COVID-19. Therefore, I had no payment due in XX/XX/XXXX and wanted to make sure the {$3800.00} payment would be applied to the promotional balances that were expiring soon ; especially since I am aware that with multiple promotional balances, Comenity Bank applies payments in a certain order. 

The only reason that I was able to pay that money was because I received my family 's stimulus check and made a smart decision to pay off these promotional balances since I was not sure when I would find work again. I have called numerous times to fix this issue but it is never resolved. I am told that the money was applied to a promotional balance that expires in XX/XX/XXXX XXXX XXXX ). It makes no sense for me to send that much money to pay off a balance that is due more than 3 years from now when I have promotional balances expiring in a month. 

If my payment was not going to be applied for what I requested, I should have been informed during the call. I was told my requested payment would be applied to the mentioned promotional balances and that did not happen. Please help. 

I included XXXX files. 

The file titled Confirmation Payment Letter is proof that I made the payment over the phone and spoke with a customer service representative who assured me my payment would be applied to what I had requested The file titled Promotional Balances Payment Originally Requested shows in detail the promotional balances that were discussed to be paid The file titled XX/XX/XXXX statement is for ease of reference and has the promotional balances mentioned on pages 4 and 5.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my student loan information due to potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. I recently became aware that my educational records were disclosed without my consent, which I believe violates my rights under both FERPA and the Privacy Act. 

According to FERPA regulations, educational institutions and associated parties are required to obtain written consent from the student before disclosing personally identifiable information from education records, except under certain legally defined circumstances. Similarly, the Privacy Act of 1974 mandates that federal agencies protect individuals ' records and not disclose information without consent unless under specific exceptions. 

I kindly request the following actions be taken immediately : A thorough investigation into the unauthorized disclosure of my educational records and personal information. 

A detailed written explanation of how my information was shared, including the parties involved and the justification for the disclosure. 

Immediate corrective actions to prevent further unauthorized access to my records.

Documentation confirming the rectification of this violation and assurances of compliance with FERPA and the Privacy Act of 1974 regulations moving forward. 

A formal demand for the deletion of any improperly disclosed information from all relevant records and systems, as my rights under FERPA and the Privacy Act of 1974 have been violated. 

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) as well, if applicable, given that the unauthorized disclosure may have affected my credit or loan status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX and XXXX pulled my Equifax Bureau credit report without my authorization and in error. 

I disputed ( # XXXX & XXXX ) this Hard inquiry with Equifax and Equifax investigation result is as below - " >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX DBA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX TX XXXX '' I contacted Equifax on XX/XX/2019 to better understand their investigation process and meaning of their results. Equifax asked me - " request XXXX to send Notification electronically or contact Equifax Business Consumer phone number XXXX if XXXX doesn't have a way to send notification electronically '' On XX/XX/2019 XXXX XXXX, Director of Finance at XXXX and On XX/XX/2019 XXXX XXXX of XXXX contacted Equifax Business Consumer Help Line to request equifax to remove hard inquiry from my file which was done in error. Equifax Representative informed XXXX XXXX XXXX that they will not remove this inquiry and asked them to let the Consumer ( me ) dispute the inquiry ( which i already did ). XXXX provided me a letter to confirm these details which i attached with this complaint. 

On XX/XX/2019, I contacted Equifax to inquire about this contradiction. Equifax representative confirmed me that they will not contact the inquirers ( XXXX ) about the dispute i made and they will not confirm the validity of the inquiry. I informed equifax that I never authorized this credit inquiry and offered to show them the written proof from XXXX XXXX Director of Finance about " the error they committed and how equifax would not correct my credit file accordingly ''. Equifax representative confirmed that they will not investigate inquiries ( like contacting inquirer about validity ) except they check only their database. 

As Equifax not willing to remove my inquiry despite providing ample proof, I am approaching CFPB for help. 

EXPECTED RESOLUTION : Equifax should remove hard inquiry made by XXXX on XX/XX/2019 from my credit file. 

Attachements : 1. Dispute letter from equifax XXXX 2. Dispute letter from equifax XXXX 3. Letter from XXXX to confirm that inquiry is infact an error.
Product: Debt collection

I called LJ Ross and associate to find out about a bill that is in my name and was reported in XXXX. I spoke to him today XX/XX/XXXX and requested an actual bill and he said that he could not give it to me. He has no copy of a bill. He then said that he can help me to clear up the bill by disputing it and all I have to pay is {$300.00} today but when I ask him about the bill, he said that he can not provide that he said the only way he can give me any form of paperwork to prove anything I have to pay the {$300.00} or more in other words he can not give anything to me. I felt scammed and as if they were just into it for getting money from me, Im so happy I did not give them any money until Ill be able to figure out the bit what XXXX then I will do whats necessary.
Product: Debt collection

Caine and weiner was contacted by me in XX/XX/XXXX and XX/XX/XXXX.I still have yet to get any responses from them. This debt is reporting inaccurately and they have continuously failed to contact me regarding where they are verifying this information from.