23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

Hello my name is XXXX XXXX and I am writing in regards to the company known as Big Picture Loans. On XXXX XXXX I was approved for a loan that was set for XXXX dollars. Upon receiving the loans I was told by the representative via phone that there would be a charge finance charge in the amount of XXXX but I still took the loan. After accepting the loan that I noticed that my first payment was more than what I was told over the phone. So of course I contacted them but they were no help at all. I was placed on hold numerous times only to be let down after every hold. So I reviewed the email that they sent regarding my loan after I was approved and reviewed the truth in lending disclosure ( in which by the way I had no idea about upon receiving my funds ) The APR of the loan was 989.1897 % with a finance charge of {$6000.00} ... .Also stating my payments would be XXXX after paying off the loan. I was extremely confused as to why this information was not given to me before I accepted and I have only made one payment. But I am for sure that with an APR that high that this is illegal. I would not have had a problem paying off the loan amount had it not been XXXX XXXX dollars but I am even more upset because I was lied to and information was hidden from me before accepting. Please look into this company because it seems like a major scam and I am hoping that you all can help me get this issue resolved. Thank you so much for your time and have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency.

A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inquiries from Credit Report Dear TransUnion Customer Service, I am writing to formally request the removal of all inquiries listed on my credit report. My full name is XXXX XXXX XXXX, and the last XXXX of my Social Security number is XXXX I have reviewed my credit report and found several inquiries that I believe should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c.

According to the FCRA, inquiries that are not made for a permissible purpose or that are not authorized by me should not remain on my credit report. Additionally, I understand that inquiries should only remain on my report for a period of two years. If any inquiries exceed this timeframe or were not authorized, I request their immediate removal.

Please investigate this matter and remove any inquiries that do not comply with the aforementioned regulations. I have enclosed a copy of my credit report highlighting the inquiries in question for your reference.

I appreciate your prompt attention to this matter and look forward to your response. Please confirm the removal of these inquiries in writing at your earliest convenience.

Thank you for your assistance.

Sincerely,
Product: Credit card

In XXXX 2015, I received a call from my XXXX XXXX consumer fraud department that they detected fraudulent charges. Someone purchased XXXX trips from XXXX, totaling {$1000.00}. I confirmed the charges were not mine and they shut off my card and promptly sent me a new one. The company also mailed an affidavit, which I filled out and returned. The company told me it would take up to 2 months for the charges to be removd from my account. Numerous phone calls, hours spent on the phone, and 5 months of paying interest on these fraud charges, they remain on my account and no one is a ble to help me. They claim they lost the affidavit and have supposedly sent me two more out, which I have not received. I have escalated this and they keep telling me that it is going to take two more months for the charges to disappear from my account. I have been paying interest and battling this company for 6 months now, when it should have been resolved months ago. I feel they are unable to resolve this and I am out of options.
Product: Mortgage

My mortgage loan was just transferred. The new servicer ( PHH Mortgage ) offers NO OPTION for payment either online or via phone WITHOUT " processing fees. '' In the modern world, these are THE MAIN METHODS people use to pay. Are you telling me I can only avoid processing fees ABOVE AND BEYOND my monthly mortgage payment by using snail mail? Very manipulative.
Product: Credit reporting or other personal consumer reports

This company furnished my consumer report without my written permissible purpose.

The law states : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I didnt give any written instructions for this company to furnish my consumer report under no circumstance.

The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

penfed reported me being late for A CAR PAYMENT THAT WAS NOT IN MY NAME AND I FILED A FRUAD CASE NEVER RECEIVED REPORT TRIED TO GIVE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TENAGLIA & HUNT, P.A. purchased a debt from XXXX XXXX XXXX that is in active dispute with the original creditor. I also sent a Non public personal information ( NPI ) opt out notice to the original creditor and they ignored it and released the XXXX including non public personal financial information ( PIFI ) to a third party. 
TENAGLIA & HUNT, P.A. also failed to comply with the Fair Debt Collections Practices Act in contacting me in attempt to collect the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on Experian since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting or other personal consumer reports

I contacted Wells Fargo regarding a report they made to XXXX XXXX XXXX XXXX XXXX XXXX stating I was delinquent 4 months on my mortgage. The Mortgage had been paid in full under mortgage consolidation terms of XXXX XXXX XXXX XXXX XXXX Wells Fargo denies doing this, however, XXXX XXXX XXXX have the negative reporting. I don't know who's lying or who did what, but the negative hit is on our credit reports.
Product: Credit reporting or other personal consumer reports

I need to lift the security freeze on my credit report to facilitate the validation required for my loan application.
Product: Debt collection

Cancelled my XXXX XXXX in XX/XX/XXXX. They created a new account in my name by mistake. This was fixed in XX/XX/XXXX, and confirmed by XXXX. However their accounting still send me to a debt collector ( again by mistake ). This was fixed in XX/XX/XXXX. Same info has been communicated to the Debt collector. But they do no care and keep calling me 2-5 times daily. When I tell them that the issue has been fixed they simply hang up on me. 
half the time they are rude, and sound XXXX to be honest. I have blocked all the numbers they are calling from, but still calls are getting through from new numbers. I consider this as harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, SYNCB/AMAZON add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I made a payment of {$600.00} in XX/XX/XXXX for my student loans. Navient withdrew the {$600.00} from my bank account on XX/XX/XXXX. The payment was never reflected on my Navient account history, only showing two payments of random amounts ( Estimate of {$58.00} and two payments equaling around {$9.00} ). 

I contacted Navient in XX/XX/XXXX to resolve this issue and was informed that the payment " probably '' hasn't been posted to my account yet and to just be patient. It is now the end of XX/XX/XXXX and the {$600.00} payment that they received and withdrew from my bank account has still not reflected on my Navient account history. 

I contacted them again today, XX/XX/XXXX, and was told by a representative that they do not see where I made a payment of any amount in XX/XX/XXXX and asked me to send a copy of the bank transaction to them via FAX. 

I have sent them a copy of the transaction on my bank account as well as screen shots of my Navient account history. Navient has shown to have poor business practices and is already in a lawsuit with CFPB. I am asking for help from CFPB in resolving this issue as I am worried this will not get resolved unless I get outside help.
Product: Credit reporting or other personal consumer reports

Ive contact XXXX XXXX XXXX XXXX regarding vehicle loan that is showing under my name without my authorization. 

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car.

The vehicle information is as follows : * Make : [ XXXX ] * Model : [ XXXX XXXX ] * Year : [ XXXX ] * Vehicle Identification Number ( VIN ) : XXXX I have never entered into any agreement with your company or signed any documents related to this vehicle.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This letter serves as a final demand for the immediate removal of the inaccurate and unverified negative items currently reported on my credit file. Despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ) 611, no proper investigation has been conducted, and these erroneous collections persist on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was scheduled for XXXX XX/XX/XXXX XXXX XXXX knew I would not beable to get to Bank for my payments coming up so I spoke with Assistant Branch Mgr while in Bank on XX/XX/XXXX th XXXX paid for XXXX XXXX we had called The Main Branch of PNC Bank XXXX they agreed I could make payment early Now to my Dismay XXXX Bill has Arrived XXXX they charged me a Late Fee Plus they increased my Mininum payment Due. I have never ever had a problem at my other Bank Paying anything early They have said that they waived the late fee But in the next breath if I were to pay it today it would be fine XXXX wont reduce the new minimum fee which is normally {$45.00} now its XXXX Now XXXX is scheduled for XX/XX/XXXX th XXXX I am going to encounter the same Dilemma then they said that I should use bill pay. They can not tell me what I should use to pay my bills. I have never been so disgusted with a financial institution such as PNC Bank and can not wait to be done using them
Product: Payday loan, title loan, or personal loan

I tried to pay the loan off online on Monday, XX/XX/XXXX and the system would n't allow it as the total amount the system would allow me to pay online was {$1100.00}, but my loan balance was {$1200.00}. Called on XX/XX/XXXX at XXXX pm to pay off my balance to be told that they had already processed my 1st ACH payment on the loan ( which was n't due until XX/XX/XXXX ) for {$220.00} and they could n't give me a balance to pay due to the early ACH. I asked to speak to a supervisor, who told me the same thing. I will now be charged the {$220.00} on top of the nearly total balance as this payment goes almost totally to and fees. I was expressly told that I would be able to pay the loan off early, and in this case, I tried to pay the loan off before my 1st payment was supposed to be deducted. Completely unethical behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hard inquiry XX/XX/2019 was not authorized
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

I transferred. my fiancee 's car payment over to my bank account by my debit card and my debit card only Ford Motor Credit was to take out a certain amount by automatic debit each month. My fiance. during COVID. did was excused for making payments as well as myself. and then after COVID the payments resumed myself. and my fiance agreed to pay a certain amount each month for credit and I had. it coming out of my bank account. This went along fine until somehow my fiancee missed a couple payments or something transpired. Anyways, the long and the short of it is that this month at the beginning of the month, actually on the XXXX it's supposed to be on the XXXX. Ford motor credit. emptied my account of XXXX plus dollars. I was never notified by the bank by the creditor or anyone in this matter. I have disputed it and asked that the payment be stopped and we will be in contact with Ford to get this resolved on Monday. There's no reason for this. So I will. get in contact with my bank first. thing Monday and hopefully we can get this thing resolved. 

Sincerely XXXX XXXX.
Product: Debt collection

I have contacted Fair Collections & Out many times to dispute this account that they are reporting on my credit file. To date, they have not provided me with proof of this account, nor have they responded to the Fraud Affidavit that I submitted to them. They have deliberately violated the FCRA in not responding to my request and in reporting information that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXXXXXX XXXX XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX  has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication XXXX The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need