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

I applied for a personal loan. OneMain Financial called me about a title loan. I don't own a vehicle and would not apply for a title loan. There would be no point in dinging my credit for a loan that is not possible for me to qualify for. I explained this to them. The loan I applied for was a simple personal loan that had nothing to do my car. They did not ask for any information about my car nor ever stated this was a title loan. It was a personal loan only. I told them they must be mistaken I would like to discuss the personal loan and they said they don't offer those and only the title loans. So I told them to remove the inquiry as I never applied for a title loan and my credit should not be dinged for something I did not apply for. They said they wouldn't. This is what's called a Bait and switch. Bait and Switch advertising is grounds for an action of common-law fraud, unjust enrichment, and sometimes breach of contract. A bait and switch is also a violation of the Consumer Fraud and Deceptive Business Practices Act. The inquiry on my credit should be removed immediately. This company should be investigated for further breaches and fraudulent practices.
Product: Credit reporting or other personal consumer reports

I have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to sonsumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. Im sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.
Product: Credit reporting or other personal consumer reports

Reference FTC Report # XXXX. Please remove fraudulent account # XXXX XXXX Bank. XXXX deleted the fraudulent account as required in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XX/XX/XXXX2 ) Missouri Div XX/XX/XXXX{$28000.00} 3 ) Missouri Div XX/XX/XXXX{$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XX/XX/XXXX{$3000.00} 8 ) Dept of ED/ XX/XX/XXXX{$1700.00} 9 ) XX/XX/XXXX{$2000.00} 10 ) XX/XX/XXXX {$670.00} 11 )XX/XX/XXXX {$4000.00}
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  XXXX Account number:XXXX  Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries XXXX 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: Mortgage

Seterus Inc , has failed to abide by the servicing guidelines in connection with the  HAMP  and Non-HAMP loss mitigation options by the Treasury department in connection and also failure to abide by the   XXXX   XXXX   XXXX   underwriting guidelines published on    XXXX   XXXX  .      On    XXXX   XXXX   XXXX  , Seterus Inc , denied our mortgage assistance request and claimed that we did failed to provide a " hardship '' letter. The record reveas that on    XXXX   XXXX   XXXX     , the hardship letter was provided. Therefore  Seterus Inc  have provided false information in connection with a  Federal Program  in order to acquire a denial.     Upon receipt of  Seterus  correspondence, we contacted the servicer and was told that no other information was needed because were in receipt of a full package and that the loan was sent to underwriting.     Following this conversation few days later, the servicer changed recounted their explanation for the denial and claimed that the application did not reflect the correct amount of the  S.S Income  provided. Seterus inc, claims that the application reflects the e S.S.  Income of {$360.00} and the bank statement reflects other amount.     We explained to the servicer that the application reflected the correct amount for the following reasons : 1. Only i    XXXX   XXXX    executed the note and not my husband   XXXX   XXXX     therefore my husband income has to be reflected under " contribution '' and not appropriate to be reflected on the S.S  Income.      My husband provide all applicable documents in connection with the treasury department guidelines, as well as evidence of contribution and well explained. The bank statement reflects the amo unt i receive of S.S Income w hich is exactly what i receive, while servicer claims that i did not provide the full amount.  Servicer i s playing stupid and claims that I receive {$650.00} of  S.S Income  and also {$360.00}. The record revelas that the {$650.00} is my husband  S.S Income and n ot mines. He furnished, bank statements to prove this and also explanation letter.   It is obvious that  Seterus  continues to act in bad faith in connection with a federal program.     Be advised that the servicer denied our previous mortgage assistance request, although we abided by the trial payments. On the second payment Seterus cancelled the loan modification claiming that we did not provided the " PMI '' amount. We made two payments pursuant to the amount reflected on the approval however they claim that we had to add the PMI our selves.  Seterus  filed a lawsuit after the denial which is what they really what had in mind all along.     Seterus has acted in bad faith and we request that they reopen the mortgage request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a authorized user on my wifes XXXX XXXX XXXX XXXX since 2017 however, it has never been reported to Transunion. I have contacted XXXX XXXX with my wife and they stated that they have forwarded all activity to the 3 credit bureaus since the opening of her account. 

In addition I believe the information is not being reported because my name on my report is incorrect as is addresses for me. 

Also, Transunion has put back on my report a collection that does not belong to me due to the name error. This account I have disputed before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was in charge of my student loan. It then got transferred to XXXX  because they took over for the government on servicing loansXXXX XXXX XXXX XXXX  is reporting that my account is more than XXXX delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at XXXX XXXXXXXX XXXX. The line rings busy. Both transunion and XXXX refuse to remove it from my report but I had never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX account in XXXX thats is still NOT being reported on my XXXX and Equifax Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXMIDLAND FUNDING XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX  District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/XXXXI contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to follow up you about my issue of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data.

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX  Employer XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I found this debt under the name of Receivables Management on behalf of XXXX XXXX on my credit report. I disputed through the credit bureaus this debt because I had not received any information from Receivables Management about the collection items and there was dispute with XXXX XXXX about how they had billed the insurance initially. Receivables Management responded that the debt was valid and did send me information in the mail about the debt. This dispute was filed approximately 90 days ago. 

I am now in the process of obtaining a mortgage loan and would like to resolve this debt and contacted Receivables Management on XX/XX/20 and spoke to one of their front line collections agents. They stated to me that because I had disputed the debt, they were not able to assist me and I would have to speak to their supervisor line to resolve the issue. I called back using the number provided and immediately had to leave a voicemail. The voicemail stated that I would receive a phone call in 24 to 48 hours. Since they did not specify business hours, I waited until Tuesday XX/XX/20 to follow up and called back and had to leave another message. After not receiving a call, I called back on XXXX/XXXX/20, and again, had to leave another message. I called and spoke with another frontline collections agent, who again told me they could not help me, but would try to get a supervisor. All they did was transfer me again to the voicemail for the supervisor line. 

I am attempting in good faith to resolve these items. I am want to pay them and I want them removed from my credit bureau report, but the company is making it difficult to do that. They are creating an unfair situation that is having a negative impact to my credit score. This could be seen as a violation of the Fair Debt Collection Practices Act. They are penalizing my ability to pay this debt solely because I disputed the debt initially and that is per their collection agent 's statement.
Product: Student loan

I am writing to address an issue I have encountered while attempting to create a new account on MOHELA 's recently migrated loan servicing platform. As a borrower of federal student aid loans, I have found that the platform 's forms do not recognize my email address 's XXXX, which is " .XXXX ''. The error message states, " Your Email Address format must be XXXX ''. It is important to note that I have used the same email address with the " XXXX XXXX XXXX  on the previous MOHELA platform without any issues for several years. 

It is my understanding that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is responsible for managing and coordinating the Domain Name System ( DNS ) to ensure that all valid XXXX are recognized and supported globally. My custom TXXXX XXXX XXXX XXXX  is indeed a valid XXXX recognized by XXXX XXXX Therefore, it should be accepted by the new MOHELA platform. 

I am unable to proceed with creating my account as required, which directly impacts my ability to manage and pay my student loans. I have contacted MOHELA customer service on multiple occasions and spent considerable time on the phone seeking a resolution. However, the proposed solution of creating a new email address is not feasible for me. 

I urge MOHELA to recognize and support all valid XXXX recognized by XXXX to ensure a seamless transition for borrowers. I believe that ensuring compatibility with all legitimate XXXX  is crucial to upholding the accessibility and functionality of the new loan servicing platform for all users. 

I kindly request your assistance in forwarding this matter to the appropriate department within MOHELA for resolution. I truly appreciate your attention to this important issue as it directly affects my ability to fulfil my financial obligations. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have repeatedly address and disputed accounts that have failed to validate their claim of debt, or refuse to follow federal and Massachusetts collection laws, which result in continued violations. The reporting company is reporting on disputed accounts that I have recently disputed, and consistently give false claim of response that they investigated the claim, when they did not. The company has continuously violated the The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, and in doing so are subject to fines and damages payable to me of {$1000.00} for every instance that they have not provided an accurate and 100 % correct reporting of my trade lines, or credit reporting that has no legal right to be on my personal credit report
Product: Checking or savings account

On XX/XX/2021, {$25000.00} were withdrawn twice from my Chase business saving account along with another {$25000.00} on XX/XX/2021 by an unknown person. This is related to all my other debit/credit card/checking account fraud charges. They most likely stole my mail and got a hold of my debit/credit cards and then somehow were able to withdraw money from my saving account. I filed a claim with Chase Bank and a police report as soon as I got the news. I received my police report in XXXX after 4 months and it took forever for Chase to receive the police report, problems with their fax/email. Now Chase bank is finally starting their investigation.