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

On XX/XX/XXXX the cadylic converter was stolen out of my XXXX  XXXX XXXX XXXX while it parked in the lot of my apartment. I waited patiently for the parts to come in while paying for a rental car out of my own pocket, I had no choice. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX my job requires a vehicle XXXX XXXX XXXX I have long ran out of patience, but now I no longer have any money to continue to pay for a rental to tide me over until my car is ready. Here is what I'm asking of you : Financial support with my XXXX XXXX XXXX. I'm desperately appealing to you to help find a solution so I can keep a roof over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit card

I had made a payment on my " VERVE '' credit card on XXXX for {$100.00}. This payment was made as it has been for months. Yesterday I received a call from the credit card indicating that my payment has not posted due to " incorrect or wrong account information ''. I called Verve ( continental finance ) and i was advised by the representive that their website had some work done. I asked why they wouldnt advise the payor that they should reenter their information. Instead they marked my account deliquent and assessed a {$25.00} fee.
Product: Debt collection

Amsher Collection Services, of XXXX XXXX XXXX, XXXX XXXX, XXXX AL XXXX, phone XXXX XXXX XXXX, cited a bill of {$770.00} from XXXX as owed by me. XXXX confirmed to me that I had no open invoices sent for collection. Upon being contacted, they refusef to correct the payment unless I paid. Furthermore, they did not contact me directly or send notice of the unpaid invoice or its description to me ever. I discovered it in my credit reports.
Product: Checking or savings account

Goldman Sachs Bank closed my XXXX savings account without notifying me on XX/XX/XXXX. I couldn't receive over {$6000.00} direct deposit XX/XX/XXXX. The savings account pays my rent XXXX and XXXX, XXXX XXXX credit cards XXXX. They are not paid and hefty no-check fees, no-payment penalties, and late fees follow. I am a XXXX XXXXXXXX XXXX of XXXX at XXXX XXXX in NJ working on my tenure and recontracting packet for submission deadline on XXXX. This mistake by Goldman significantly disrupted and delayed my completion of the packet and may result in health deterioration and job loss. My tax return refunds are scheduled to be receive by Goldman Sachs savings account.

It was revealed by an account manager at midnight XX/XX/XXXX that the reason for the un-notified closure was due to ACH transfers to a checking account in the amount {$160.00}, which in XXXX meant a lucky number of " will be smooth and lucky '' and convinced the manager as motivated by superstition. However, Goldman Sachs Bank continued their wrongful closure and refused to return the money to me ASAP but insisted on taking 2 business days to review the account without taking any action to remedy my losses they are causing. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received several suspicious emails on XX/XX/year> including XXXX about being approved for a Capital One XXXX XXXX that I did not apply for. I then froze my credit with the main XXXX reporting agencies, gained access to the Capital One online account, changed the user name and password, updated the XXXX phone number and locked the virtual card they offer. As this happened at night, I was unable to call Capital One directly but plan to first thing in the morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

My account balance is showing the wrong amount on my XXXX, Equifax XXXX XXXX. My account balance is supposed to show paid in full which is {$0.00}, but it's showing i owe {$440.00}. CFPB is supposed to insure ACCURATE information on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are credit cards on my credit report that ii have no knowledge of that i never used or authorized
Product: Mortgage

I held two HELOCs with BSI Financial, loan numbers XXXX and XXXX. I refinanced XXXX and sold the property associated with XXXX. In each case, BSIF withdrew funds out of my personal checking account after closing the mortgages. Loan XXXX. We closed on the refinance XX/XX/XXXX. On XX/XX/XXXX, withdrew the monthly payment as if the motgage were still active. BSIF stated the title company did not return the correct documents to them. The loan payoff had been received by the BSIF. I followed-up and sent the documents even though they were in the closing packet sent by the title company. BSIF subsequently returned the funds. Now, XX/XX/XXXX, a month later, another payment for the same account has been removed from my personal checking account.
Loan XXXX. We closed the loan on XX/XX/XXXX. I ensured the same forms were signed and included in the title package. Funds were transferred after the close of the sale and I received wired funds within my personal account same day. Now, XX/XX/XXXX, BSIF has withdrawn a payment from my personal account as if my loan were still active.
Product: Debt collection

I received a call on XXXX at XXXX XXXX. It showed on my caller ID as spam but I answered it in error. The lady asked if this was XXXX I said yes but she would have to contact me after XXXX. Without verifying who I was, she violated the FDCPA and TCPA. She did n't let me know the call was being recorded, and she did n't verify who she was speaking with prior to disclosing a debt. She also did n't give the mini-Miranda. She continued to harass me and tell me this was not the way to handle a debt. All of this happened while i was at work. I disconnected the call and called back at XXXX XXXX. A woman answered and again violated the TCPA by not letting me know the call was being recorded. I requested a supervisor, who also violated the TCPA by not letting me know the call was being recorded and also violated the FDCPA by not reading the mini-Miranda. She then told me the calls were recorded and that she would deal with it.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus XXXX responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute
Product: Debt or credit management

I have never missed or been late on a payment to XXXX. 

XX/XX/year>, XXXX missed payments for my Target account XX/XX/year>, XXXX missed payments for Target and XXXX  XXXX XX/XX/year>, I called XXXX and asked for assistance. XXXX and XXXX XXXX were both caught up on payments but my XXXX XXXX took a XXXX point hit for late payments. XXXX was unable to help with my XXXX XXXX. 

Wanting to make sure I had written documentation for all conversations at this time, all further messages were through the message portal on XXXX 's website. 

XX/XX/XXXX, asked about missed payment. Followed up on XX/XX/XXXX. No response XX/XX/year>, asked about not getting responses. No response. 
XX/XX/XXXX, asked about no payments being made in XXXX. None. Not a single payment to any of my accounts has been made in more than 30 days. No response Tried calling was on hold for an hour. Message about leaving a call back number but was never given the option to leave a call back number. Tried chatting on the greenpath portal chat bot and got the message " system can not assign agent to the request '' XXXX got a payment from me on XX/XX/XXXX and XX/XX/XXXX but has not made any payments to my creditors in more than 30 days.
Product: Credit reporting or other personal consumer reports

I looked at my report back 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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

XXXX has provided me with a home security system, including equipment and service. XXXX has given us a 30 day trial period and notified us that the equipment payment will be part of the service payment. XXXX failed to notify us that another organization and bank, XXXX will hold this line of credit and this was not consented to. XXXX also reran credit at a later time for a retail credit card without consent. XXXX was first contacted and notified me it's not their issue. XXXX was contacted following this stating they are not informed about the credit card being opened under my name and informed us that I should've been informed about the line of credit given to XXXX. I was not informed about XXXX the line of credit, the credit card, APR, or anything involving either of the financing of the equipment and it's plan, or the credit card being opened under my name.
Product: Credit card or prepaid card

XX/XX/18 - " Cash Equivalency Fee '' of {$20.00}, ( 200 % ) posted on a {$10.00} Ohio Lottery Transaction at Grocery Store, because cash-receptor on vending machine was jammed.

Apparently a state-owned, public lottery vending machine is considered a Casino by US Bank?

I'm tried without success to find this fee equivalent in my Cardholder Agreement without success and got nowhere with US Bank Cardholder Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received a voicemail from Quicken loans @ XXXX XXXX. Stating my account needed an upgrade. I called back the number XXXX and the number went to a generic voicemail. I then called Quicken loans directly because I have my home loan with them and was concerned something was wrong with my home loan. I was transferred to a woman named XXXX who requested confirmation I was the individual calling and she preceded to update my personal information. We discussed refinancing and I specifically told her NOT to run my credit that I was going to go to my local credit union and discuss rates within with them in the next two weeks. I hung up. A few minutes later I received a email stating my credit report was run. I contacted Quicken Loans dispute center and explained I absolutely did not give my permission to run my credit. The complaint department, spokesperson XXXX stated because I gave her my ssn that implied I gave consent. I gave my ssn because she requested it to verify it was me and stated she needed to update my information. I am almost XXXX years old, working full-time and caring for my XXXX husband. I depend on maintaining a good credit score in the event of needing credit. This has caused my credit score to go down. They never had my consent to run my credit score. They will not remove the hard inquiry. It stays on my account for 2 years. I have no other choice but to bring the complaint against them now with consumer finance.

They totally duped me from the first call under the pretense that I was missing information and then ran my credit score without my permission hurting my credit score. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone stole my personal information, I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX CARD XX/XX/2023 ELAN FINANCI XX/XX/2023 XXXX BANK XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that does not belong to me and several inquires showing on my credit file that i did not authorize.
Product: Checking or savings account

I received a letter ( attached ) " Welcome '' to your new checking account from PENFED Credit Union, which included an ATM card and indicated a balance of {$5.00}. I never opened an account with them, but had an account with XXXX XXXX XXXX with a {$5.00} balance. I thought perhaps they'd changed their name and planned to call and close the account. I never activated the ATM card. However, before I got around to calling, I received a second letter on XX/XX/2021 stating my account was overdrawn by {$1900.00}. I called them immediately to report the fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> the amount of XXXX by Pro Collect and was filed for dispute and it fell under FCRA requirements and they account was closed as well as XXXX XXXX XXXX, and XXXX automated collection but they are still reporting on my credit report. I have reached out to experian and transunion to get the matter resolved as well but they have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 {$2700.00} Tried disputing the balance filed bankruptcy and will not remove from credit to stop me from renting or buy any property due to it being a judgement,
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company 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
Product: Debt collection

I contacted Southwest Credit System on XX/XX/XXXX regarding a collection that had a date of XXXX  delinquency on XX/XX/XXXX, totaling {$600.00}. The representative, whose name I can not recall, displayed unprofessional behavior characterized by rudeness, aggression, and an overall unpleasant demeanor. Her tone of voice was notably hostile. Throughout our conversation, she persistently pressured me to acknowledge a {$200.00} debt that I had no knowledge of, despite failing to provide any supporting validation. Additionally, she repeatedly emphasized that this debt would be reported on my credit, seemingly attempting to damage both my credit and my character. Few days later the debt was on my report severely damaging my score. The relentless insistence made me feel harassed and concerned. Fearing further mistreatment, I felt compelled to abruptly cease and desist the conversation immediately.
Product: Mortgage

I applied for a manufactured home refinance loan online with Nation 's Lending. They reached out to me after I inquired on a random website about current mortgage rates. The contact 's name is XXXX XXXX. He informed me that his company was the # 1 lender for manufactured homes. Unfortunately I applied on their website and provided all the necessary information, W2 's, copy of my current mortgage statement, tax returns, etc, I authorized a credit report. Now after XXXX weeks, he refuses to respond to my inquiries re : the status of my loan, He does not answer email, text message or return my phone calls. I am worried that their inquiry on my credit report will damage my credit. 

XXXX XXXX Nation 's Lending XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio, XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

On XX/XX/XXXX I called regarding membership fee of {$59.00} and was advised will need to call back on the XXXX to have it waived. When I called back I was denied the fee waiver and the ability to change my product to one which does not have a membership fee without any explanation why or how/what I need to do in the future to be able to do so. I have 2 credit cards with this company both over 10 years and they are unable to assist or explain so that I as a consumer to become financially responsible. When I asked to file an internal complaint and for my concerns I was advised there was not a phone number or address to forward my concerns. I feel like I am being wronged as a customer and being held to a fee in which new customers do not have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I sent dispute letters out more than XXXX days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.