23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have written and called Infiniti Financial about my lease multiple times. They had lost a payment of mine and then cashed it 2 weeks later. I sent a copy of the check that they cashed clearly showing the date I sent it and the date that they cashed it. They put a late fee on my account. I called to discuss it again, They still did not fix it. They sent a report to the credit bureaus over this which ruined my 25 years of perfect credit. PERFECT CREDIT. I then sent letters with proof to Infiniti again and also to XXXX. Infiniti then changed their story stating that it was a different month that I was late. A different month then they reported to XXXX. I then sent proof that I paid that month on time. They still did not fix my credit report. I paid their leases for 6 years on time. I had perfect credit for 25 years. I believe this proves that they should fix their mistake. Losing a customer of 6 years because they are incompetent seems absolutely ridiculous but this is making me end my lease, leave bad reviews, and seek legal action. They have multiple horrible reviews stating that they give false fees and do not fix errors. They seem to lie instead of having to do the work.
Product: Debt collection

On XXXX XXXX XXXX XXXX sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
Product: Checking or savings account

For the past 45 ( forty five ) days, I have been contacting Marcus daily regarding my XXXX XXXX Savings Account, attempting to have it unlocked and to update my phone number to XXXX, but with no success. Despite making over XXXX calls in this period, my account remains locked, and my phone number has not been updated. I am unable to access my account, which holds {$62000.00} that I critically need. Every time I call, I fully authenticate myself with my passphrase, name, DOB, and SSN, and speak to two different representatives, including supervisors, yet there is no resolution in sight. Over the last month and a half, I have authenticated myself on every call and sent an Affidavit of Identity via XXXX XXXX, duly signed in front of a notary on XX/XX/year> which is received by GS Marcus bank on XXXX XXXX. I urgently request your assistance in gaining access to my account and updating the associated phone number so I can access the funds crucial for my survival. 

Full story : I have a XXXX  XXXX  Savings Account ( HYSA ) with Marcus and requested to update my phone number on XX/XX/year>. Over the next 10 days, I made more than XXXX calls to Marcus representatives, who informed me they couldn't update the number and had put my account on hold ( locked ). On XX/XX/year>, they asked me to send a notarized Affidavit of Identity to their XXXX  address. I sent the affidavit via XXXX  XXXX, which XXXX received on XX/XX/year>. Since then, I have called them every day and received different timelines for removing the hold and updating the phone number on my account. A case number for identity verification ( Case # XXXX ) was created on XX/XX/year>, and I was initially told this issue would be resolved by XX/XX/year>. However, there has been no update or action from GS Marcus Bank. 
I have also noticed that these issues are widespread, and many people are suffering from their incompetence in locking consumer accounts, as discussed online.
Product: Mortgage

I just received a small check for {$53.00} from CFPB/Green Tree Servicing. I did not know we could do anything because they made it sound like this was it. Im not sure what we can do but would like some help. We had Green tree in 2010. My husband lost his job and had a non compete clause ( ie could n't work in his field for a length of time ). We could n't pay our mortgage for 2 years. We had a 30 year note financed at XXXX down to XXXX when he lost his job. We tried a loan modification with Green Tree and they might had done it twice or I know they did something wrong because they made us do a 40 year note adding an additional 17 years to our mortgage. How can you miss 2 years of payments because of loss of work and then owe an additional 17 years to your mortgage payments. That 's outright scandalous. They also added XXXX escrow or something to our principle instead of putting it at the backend. Not sure what this was exactly but they said escrow. We need help and I am not sure where to go because our mortgage should n't be a 40 year note and all additional fees should not extend my mortgage an additional 17 years in fees. Yes, they also did make us do speed pay ( this check we just received does n't cover close to what we put out in those fees ) to make our payments and harassed us monthly even though we had open communication as to our situation and regular payments at that time. I would like someone to review this situation because we should not have an additional 17 years of payments added. I asked them and DiTech ( new company they sold to ) to look into and they said they would but of course they did not. This needs to be fixed and at the cost of Green Tree Servicing. I am not sure what part of the mortgaging company process I am suppose to check on this form but I am going to check loan modification though they scammed us in many other ways as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report. I believe that my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ). 

**Personal Information : ** - **Full Name : ** XXXX XXXX XXXX XXXX*Date of Birth : ** XX/XX/XXXX - **Social Security Number : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX La, XXXX - **Phone Number : ** XXXX - **Email Address : ** XXXX **Details of the Complaint : ** I have recently reviewed my credit report and noticed several inquiries that I did not authorize. The details of these inquiries are as follows : 1. **Company Name : *XXXX XXXX XXXXXXXX XXXX **Inquiry Date : ** XX/XX/XXXX 2. **Company Name : ** XXXX XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 3. **Company Name : *XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 4. **Company Name : ** XXXX XXXX **Inquiry Date : ** XX/XX/XXXX XXXX. **Company Name : ** [ Any other relevant company ] **Inquiry Date : ** [ Any other relevant date ] I did not authorize any of these companies to access my credit report, and I am concerned that this may indicate a violation of my rights under the FCRA. I have not applied for credit with these companies, nor have I given them permission to review my credit history.
Product: Student loan

I submitted a payment in XXXX 2016 for {$2500.00} that I intended to use towards my student interest deduction on the 2016 taxes. Earnest, my provider, did not process the payment and has admitted fault for the error. I have asked Earnest to pay me the deduction amount since I can no longer make the claim on my taxes ( I had no other student loan payments in 2016 ). They have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit reports from all 3 reporting agencies in XX/XX/2018. I noticed a host of errors or some items I had no clue where they even came from. I began sending the reporting agencies letters to understand what and who were these companies reporting these items on my reports. As, I started the process the other two agencies would reply with deletions on a monthly bases. Although EQUIFAX, from XX/XX/XXXX to present would reply saying most of the items were verified and had been updated or modified. At this point I called the other agencies and asked how does one remove a item and the other updates it? the rep. explained an situation about some system that they used and told me to called and speak to someone from that agency it should be an easy fix. Never the less I spoke to two reps. and this matter was pushed back to me to call the companies and fix this problem. I have sent ALL on the collection agencies letters asking for verification and Assignment of the debt and NEVER received replies back from NONE OF THEM as to ASSIGNMENT AND MEDICAL HIPPA RELEASES. And the 1st item which is my car payment it says this account is closed with a XXXX balance. When in fact this account is current. I called and spoke to a rep. and he replied that I would have to call them and have them to update that information. Now, with all of this being said how can I, as a consumer trust this agency truly does investigations when for a FACT they on reply that the item has been verified or updated. I also asked another rep. on a different date asking her about accounts that are closed but still are reporting a negative balance, she replied I have to call them or send a letter. agent XXXX or XXXX.If your reporting this information WHY do I have to do there job to make sure its correct. WHY? When this company ( EQUIFAX ) has had more security breeches than any other agency and as a consumer puts all of the burden of proof on us as a whole. I have had companies to put my reports and denied my because of the collection filed. ( ALSO in PDF ). I also, question this agency on all items must be 100 % accurate? If I, send proof that it has been deleted from other reports. Wouldn't that make the item listed on EQUIFAX in accurate? Can you please give me some clarity on if the information in NOT the same one all reports? NOTE Equifax is the only agency that this doesn't seem this matter. Again, with all the breeches maybe Equifax should work with consumers to resolve these issues oppose to using some software to investigate the information.
Product: Checking or savings account

i reported fraudulent activities to my bank but the bank refused to investigate, My account was credited any fees owed but the bank closed my account without investigating fraudulent activities Now this bank has a debt collector posting collection accounts on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number # 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.
Product: Debt collection

I recently pulled my credit report and noticed and account that does not belong to me. 
Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount : {$380.00} Account Number : # XXXX Date opened : XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX Acct # XXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from XXXX.
Product: Debt collection

Approximately 3 years ago, I contacted the power company in my state to have power turned on in the apartment I was moving in to. To my surprise, I was notified at that time, I ha an outstanding balance under {$100.00} from a previous address. I remembered the debt, but had forgotten to pay it. When I asked if I could pay it, I was told I need contact the collection company to whom owned it. The agent gave me the number to bonded adjustment. 

I called the above named company. I told the woman who answered I needed to pay an outstanding balance for a power bill I had forgotten to pay from a previous address. I couldn't get power until the bill was paid. The woman rudely asked my name and placed me on hold. After a 10-15 minute pause, this woman returned to the call to say she found the account. She rudely said I need pay the balance of the power bill and another amount of funds, in my name. 

When asked what other bill was outstanding, she refused to tell me who, where the bill when the bill was originated. I then told the female I had money for the power bill and my car payment. I needed to get power turned on. She proceeded to tell me I better find another way to make my car payment and refused to take only the power bill I acknowledged. In my opinion, she extorted funds for a debt I knew nothing about. She then said it was a medical debt. I asked for a receipt for the payments.She said they would be in the mail. I NEVER received them. 

I recently received another statement from this company dated back in 2015. It is my opinion, this company is using deceptive and predatory practices to collect. Especially during a world wide plague taking advantage of consumers and parking debt! As mentioned before, I did not receive the receipts of the payments I previously made, no validations of any kind..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, 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 an 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 then records of convictions of crimes which antedates the report by more then 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 card or prepaid card

I applied for Wells Fargo credit card and despite having XXXX credit score - my application was denied by Wells Fargo. Upon calling- i was told to wait for the letter ( which i am attaching with this ). 
Strangely my spouse who has lower credit score than me- got this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and gave them instructions to remove unauthorize accounts from my consumer reports, I also informed them that they did not have permissible purpose and no consent to report or furnish anything, This is considered as Identity Theft Perusuant to USC 1681b Title Title 15 Chapter 41 1. XXXX XXXX 2. XXXX XXXX 3 XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to validate a debt from Chase bank. Failure to fix all inaccuracies on report such as date opened and date of last payment. I have requested validation several times from this company and have not received it. The account has been updated but not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX - XXXX, have 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 an account without my written instructions.
Product: Checking or savings account

I reported to my brokerage firm, Robinhood Markets, in XX/XX/year> that my account has been hacked. I explained how I was immediately locked out after discovering this and removing an unknown device and logging out. I think had an account take over. I emailed them in a total of 25 emails and requested calls about 4 times and tried to access the chat but links didn't work.The only response I have received was one from an auto XXXX, XXXX, and XXXX asking for 4 types personal information which I submitted but never heard back. I continued to contact them by email as of after a few days if my account being taken over my email was taken over along with XXXX XXXX  account and XXXX account and my identity stolen. I did receive auto email stating unusual activity in my account and temp restriction was put on. XXXX  got this particular email in 3 different occasions as if it wasn't ever restricted the other times. I submitted requested photos of self and id to lift restricton 5 times as it kept asking and it never was restricted. I reported unauthorized executed trades of XXXX sell a total of 637 shares and executed buys of XXXX  of I believe was a total of 493 shares but sant view because of no access to account. I also had a unauthorized bank transfer of {$37.00} into my XXXX individual account. There were also 2 unauthorized stock lenders, XXXX and XXXX. Alot if unusual activity in my account I noticed before XXXX  lost access. I read today that my brokerage firm acknowledged they had a data breach because of a negligent employee and certain personnel info had been sold to the dark web. All of mine was based on what all has been damaged. If Robinhood has of admitted to this when it first surfaced or reported to their investors what had happened or even replied to my report this may never have happened or happened to this degree. I want my XXXX  shares back and my balance if funds returned to me so I can use a different broker that has proper cybersecurity measures and is not negligent. Also one that has appropriate customer service. This has been really ridiculous and very difficult and time consuming trying to report this and get a solution. I have worked every single day from XX/XX/XXXX through today, XX/XX/XXXX all day reporting over and over what took place, adding additional info each day as my other personal accounts and identity surfaced that I had to report all of this activity to FTC, identity theft.gov, FBI, FINRA, Consumer financial protection bureau, and Securities and exchange commission. I also have taken an extensive amount of time and effort doing what's required when your identity is stolen. It will take it more extensive time as well to continue doing what needs to be done. I made this report because Robinhood claims they have 247 customer support but they absolutely do not and the 2 emails that was response to my initial report took a long time to receive. Very poor business practices with this whole situation. Please report this to my broker in hopes they will respond as they should and compensate me for my loss shares and damage that I've occurred. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

Ive had a case open and I tried to have my case closed in order to get a new checking account for over 2 years now. I reached out to the back and they told me that my account been closed for almost 3 years now and that I just contact CFPB in order to file a dispute in order to get my name removed in order to open a new account with any bank but due that I have a block on my credit file I am unable to due so.
Product: Mortgage

FULL PRICE SHORT SALE XXXX - Seller XXXX - Buyer Complaint against OCWEN Bank Account number XXXX This has been going on since XXXX! 

Ocwen Bank has abused the Seller, XXXX, the Buyer, XXXX & XXXX, XXXX, Realtor and XXXX. Ocwen bank receive a full price cash offer and all requested documents 4 times. Ocwen bank keeps asking for the same documents over and over again. We have receipt that they have received the documents.
Product: Credit reporting

CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries.. All inquiries are not mine.
Product: Debt collection

XXXX Scott Caruthers is harassing me at work. I have a recorded call the gentleman being very rude without disclosing the purpose for the call at my place of work