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

In XX/XX/XXXX, OSLA commenced servicing of ( XXXX ) student loans issued by DEPT OF EDUCATION / OSLA which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the Public Service Loan Forgiveness Program ( PSLF ). As a result, both loans were transferred on XX/XX/XXXX from OSLA to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my PSLF application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, OSLA or XXXX did not report such transfer which continues to show that OSLA is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, XXXX and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from OSLA and XXXX showing a {$0.00} current balance to no avail. I contacted OSLA on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance and Capital One are reporting unauthorized credit inquiries on my credit report. They are reporting as follows. 
COAF on XX/XX/2020 to XXXX Capital One Auto Finance on XX/XX/20 to XXXX Cap One AF on XX/XX/20 to XXXX Capital One on XX/XX/2020 to XXXX Cap One NA on XX/XX/2020 to XXXX  Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX
Product: Vehicle loan or lease

On XX/XX/2023 I applied for a money purchase loan, the company denied my application. I made this application in good faith for my household and personal use. With the equal credit opportunity act I can not be discriminated against as the full faith and credit is backed by the United States. The federal reserve act sect 16 ( 1-2 ) states that I was to be credited the amount of the application. You cant deny me credit as that is security collateral. My question is if the financial institutions or bank denied my loan yet still deposited where is my benefit. Banks donot and can not loan credit just money. This application was made in good faith for my household and to be denied when Im the issuer of the credit card ( ssn ). In the transaction I am creditor per 433.1 defines creditor, issuer, money purchase loan, and credit card issuer. So how could I be denied if all obligations are of the United States.. I have exhibits to back laws. I have also provided the denial and the application. This company is also under the Sec. the application was the security collateral for the entire transaction. This is a federal violation and considered a RICO ACT. If you would like to further discuss this information in private please reach out to me via email or phone. Banks can not lend credit they can ONLY lend money by law. So how can I be denied of my rights to contract. I can send this application to the FDIC and file a complaint with the irs ( 3949a form and 211 form ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I saw two pending charge on my bank account from PayPal. Since the charges were pending, the bank said we had to wait until it post. Once posted I was able to see that the charges were from paypal and paid in XXXX currency. Basically someone was able to hack my PayPal account and charge my bank account twice for {$490.00} each. 
Since my bank account was linked to my PayPal account, the bank says I am out of luck. I am waiting to see what PayPal says. I never had any contact with whoever charged my account nor did I approve any of these transactions.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have Equifax, the consumer reporting agency delete this from my report immediately and indefinitely. XXXX XXXX XXXX.irs.gov/publications/p4681
Product: Checking or savings account

I filed a claim with Bank of America on XX/XX/2022 regarding a transaction with XXXX  for {$770.00}, at which time I provided them with my plane boarding passes to show that what XXXX is stating regarding the item being delivered and signed for by me could not be valid as I was not in the state and I live by myself. On XX/XX/XXXX I received a letter dated XX/XX/2022 stating that the merchant has up to 45 days to respond to the claim. On XX/XX/XXXX I called into the BOA customer service number and spoke with a manager in the claims department that advised me that yes the letter is stating that the merchant has up to XXXX from the date the letter was sent which is XX/XX/2022 to respond to the claim and if the merchant does not respond I will be given back my money. On XX/XX/XXXX I called into BOA and spoke with a claim representative who advised me that the merchant has up to 90 days to respond and if they dont then the bank will reach out again for resolution. At this time I advised her that is not what the Bank of America letter says nor is that what was told to me by the previous manager, I requested to speak to a manager. At this time a manager came on the line and advised that with this type of claim they allow up to 90 days for the merchant to respond if the merchant does not respond within 90 days then they will followup with the merchant and they cant provided a time frame of how long it will take. I again advised the manager that I am holding a letter from BOA that says the merchant is allowed 45 days and I would like to have my money give back to me. The call was disconnected
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection agency for XXXX XXXXXXXX erroneously placed a collection account of {$510.00} for Con XXXX Account XXXX on my XXXX credit reports ( XXXX, Experian, and XXXX ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXXXXXX Account XXXX is on my current XXXX XXXXXXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my XXXX credit reports ( XXXX, Experian, and XXXX ).
Product: Debt collection

I have contacted the creditors many many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting or other personal consumer reports

Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}
Product: Credit card

I received a summons from a magistrate office- XXXX Docket # XXXX Notice on intent to defend.
Product: Checking or savings account

Someone opened an account in my name fraudently with pentagon federal credit union
Product: Checking or savings account

I was charged overdraft fees on payments taken out of my account that I didnt approve. They kept letting the same payment repeatedly come out and charged me multiple times leaving my account over drawn by more money than it should have been. Even after contacting them they refused to help solve it.
Product: Mortgage

I spoke to a rep from my mortgage company, Mr. Cooper, on the phone today and he told me that they are not going to make my mortgage insurance payment even though I've been making my mortgage escrow payments for that purpose. The rep 's name was XXXX and his direct line is XXXX. On XX/XX/XXXX, they sent me a letter that said the following, " ... Our resource book, the nationally published XXXX XXXX XXXX XXXX XXXX indicates the financial strength of insurance companies. A company XXXX  XXXX or better provides the coverage and protection our investors require. Your policy does not meet our acceptable coverage standards. Please contact your agent and provide us with a new policy to avoid the placement of temporary coverage on the property. '' I checked with AM Best and learned that my home insurance company, XXXX  XXXX, did indeed have a XXXX XXXX According to Mr. Cooper 's letter, that was sufficient. Mr. Cooper sent me an email to that asked me to submit proof that I had a the appropriate coverage. I uploaded a document through their secure server at XXXXXXXXmrcooper. On XX/XX/XXXX, I received an email from Mr. Cooper that said the following, " Thank you! Your insurance information has been reviewed and updated using the details provided. No further action is required at this time. '' XXXX verified that the letter said exactly what I say it did above- that they require an insurance company to have a XXXX XXXX  or better, like mine does. And, he told me that they sent me another letter in XXXX that said the exact same thing. But, on the phone today, XXXX said to me that they I must get a new home insurance company that is XXXX XXXX or better. 

Right now, in California, it is not easy to get a new home insurance policy. Many large insurance companies are no longer taking new customers. It does not seem fair for a mortgage company to demand that I switch insurance companies and it's even worse that they have not given me adequate notice in writing. As things stand, my current property insurance is due to expire on XX/XX/year>. XXXX told me that I need to get a new insurance company before that date or his company will begin to charge me for home insurance. He did not provide an estimate of the cost. 

I am writing to you because I suspect that many other consumers with mortgages in California are being subjected to this kind of treatment and I am wondering whether it is legal. XXXX, is it legal for them to demand that I switch home insurance companies? XXXX, is it legal to demand that 5 days before my current policy expires? XXXX, it is legal for them to demand that verbally? XXXX, is there any requirement on their part to provide me adequate notice in writing? I am really hoping that someone from the CFPB might be able to intercede on behalf of myself and others to stop Mr. Cooper from treating customers this way.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Resolution Regarding Unauthorized Credit Reporting Dear XXXX XXXX XXXX XXXX, I am writing to address a serious matter concerning the unauthorized reporting of an item on my credit report, which appears to be in violation of both federal and Alabama state laws, particularly those pertaining to consumer consent. 

I want to emphasize that, even in the event of a permissible purpose, the consumers consent is indispensable. I explicitly deny providing consent for the reporting of the mentioned item, making the unauthorized reporting a breach of my privacy rights and constituting identity fraud, as stipulated in 15 USC 1681a ( 2 ) ( A ) ( I ).

Alabama Code Section 8-6-19 reinforces the requirement for explicit consumer consent, making any unauthorized reporting a violation of state law. Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) imposes a duty on furnishers of information to ensure the accuracy of the information provided to credit reporting agencies and requires obtaining consumer consent.

Additionally, I have not received proper debt validation, indicating potential bad business practices. According to Alabama Code Section 8-8-17, proper debt validation is a requirement, and the absence of such validation constitutes a violation of my rights under state law. This aligns with 15 USC 1681g ( a ) ( 1 ), which mandates that consumers have the right to request and receive validation of debts and provides that the consumers consent is required for certain disclosures.

Upon careful examination of my credit report, I discovered discrepancies in the amount owed across all three major credit bureaus, leading to a misrepresentation of the debt. Alabama Code Section 8-8-18 addresses misrepresentations of this nature, and 15 USC 1681i ( a ) reinforces the consumers right to dispute inaccurate information, ensuring that any corrections made are with the consumers consent. 

I urgently request the immediate removal of this unauthorized and unverifiable item from my credit report, as it is adversely affecting my creditworthiness. The lack of my consent for the presence of this item makes it unverifiable, and its continued presence tarnishes my credit. I expect this matter to be resolved promptly to mitigate any further damage to my credit standing. 

I anticipate your prompt attention to this matter and request a detailed response outlining the steps taken to remove the unauthorized item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion ans XXXX Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.
Product: Debt collection

I sent a email requesting documentation from the Bureau on XX/XX/year>, XX/XX/year> and instead of providing the documents, the sent me a letter XX/XX/year> tellinng me when the account was opened, how much is owed, interest amount, when it was closed. I have not received the documents I asked for. The original owner of this debt charged the debt off the collection agency and myself do not have an agreement to pay a debt the original owner cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX Original creditor XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXXInquired on XX/XX/XXXX ; XXXX XX/XX/XXXXInquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX Inquired XXXX XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXXXXXXX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXInquired on XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ; XX/XX/XXXXInquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXXXXX Inquired on XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


UNAUTHORIZED INQUIRIES : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

My husband and I applied for a mortgage with Chase bank. Our loan officer was XXXX XXXX out of Washington. We were approved. In the end we chose to go with another mortgage company because chase payment was to high. XXXX XXXX did not cancel our mortgage and for three days we got emails and phone calls from title company, underwriter and our own real estate agent saying the loan was moving forward and we were good to go. Our realtor knew this was untrue and we contacted the title company and underwriter ourselves to give them that information. He then was a sore loser and withheld the appraisal that we paid for saying we did not pay for an appraisal. I have proof directly from him that says our XXXX deposit went to our appraisal. He still refused to transfer the documents saying that is never done. If it wasnt chases policy to transfer then he should have let our new mortgage company know that. Instead the only word he used in his response email to them was NO. I have proof of all of this. This man is obviously upset we chose not to go with Chase and has made us pay for it. I had to spend XXXX to get another appraisal instead of using the one we paid XXXX for. I have proof he said our money paid for appraisal. I have proof he told new mortgage company we did not pay for appraisal. There were several other things that he did that should not be the behavior of anyone dealing in financing and mortgage. What he did is dishonest, immoral and against the law if we paid for appraisal ( I have proof ) then appraisal belongs to us. I contacted his manager several times by leaving a message and sending email. No response. I am making this complaint so maybe other people will not have to experience the same thing as us. Please contact me. I am happy to provide documentation, dates, times or anything that is needed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX - XXXX XXXX, on XXXX XXXX, XXXX, XXXX, XXXX and on XXXX XXXX, XXXX, COMENITYBANK/WAYFAIR add a hard inquiries on my credit reports. 
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

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), 1. XXXX XXXX XXXX Account number XXXX, has violated my rights. 

2. XXXX XXXX XXXX Account number XXXX, has violated my rights. 

I looked at my Experian Credit Report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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.

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ),
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Attempted to contact customer service after a wait of 37 minutes in the call queue on XX/XX/2020. My payment of {$130.00} scheduled for XX/XX/2020 was on time, however ; I was still assessed a {$27.00} late fee. According, to XXXX in customer service, the late fee should reverse itself. Why was I charged a late fee to begin with, if the payment was made on time?