23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX Your NAME : XXXX XXXX Your addressXXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right
Product: Vehicle loan or lease

In XXXX I was laid off due to COVID-19. I havent been able to pay my car payment for 2 months. I called and explained my situation and the collector asked me when Im getting my unemployment? My unemployment is less than what I was making before and I have a family of 5 to take care of. Thrift Investment Corp, which holds my used car loan, have been completely unreasonable to work with. Today the collector called and texted me over 20 times and threatened to repo the vehicle for not being able to make 2 car payments during the COVID-19 pandemic, in which the whole country is in crisis. Thrift Investment Corp is aweful to work with during a crisis.
Product: Credit card or prepaid card

Purchased {$200.00} prepaid card on XX/XX/XXXX.
Card was denied when I tried to used for {$200.00} purchase.
Looked up card information at XXXX and found out that there was an unauthorized fraudulent charge in another state that depleted most of the balance. The card was always in my possession and had not been taken out of the packaging prior to my first attempt to use.
Called number on back of card and was told to fax card info, photo of front and back of card, name, phone number, address, email address and receipt.
Submitted fax on XX/XX/XXXX. Did not receive a response.
Resubmitted fax and copied the CFPB.
Received response from CFPB only.
Called number on back of card and was transferred to the Prepaid Debit Dispute Center on XX/XX/XXXX. Was told my claim was denied due to " too much time has passed '' Called CFPB and was told how to submit a CFPB claim online on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : PHH MORT SVC XXXX - XX/XX/2018 2018
Product: Vehicle loan or lease

XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.
Product: Debt collection

Afni is a collection agency sent to persecute me for a debt I do not owe to XXXX. 
XXXX is charging me for a phone that I returned within one week of obtaining it through their authorized dealer, XXXX XXXX. 


On the XXXX of XXXX I mistook an " authorized dealer '' for an authentic XXXX store. The shop has a XXXX sign displayed with no disclaimer that it is an independent shop. 
The manager sold me a plan that included an XXXX XXXX that he said I would only have to pay the taxes on. 
The amount he charged me for tax on the XXXX XXXX was {$170.00}. Tax in XXXX is XXXX and the XXXX XXXX cost {$590.00} at the XXXX store that day. ( https : XXXX ). 
I took the phone to a proper XXXX store and the staff said they found the receipt bizarre ; and advised me to return the phone and cancel the contract as XXXX XXXX was not a XXXX XXXX, but merely an authorized dealer. 
I also discovered that the XXXX monthly charges were nearly double the monthly fees XXXX outlined. I immediately cancelled an appointment for XXXX to install XXXX, and transferred my phone service to another carrier. 
On the XXXX of XXXX, I returned the XXXX to XXXX XXXX at XXXX XXXX, but he never returned the XXXX XXXX to XXXX, so they continue to pursue me for charges of {$760.00} for the phone and service that I never used. 
I sent XXXX copies of the receipts -- the original and for the refund for RETURN OF THE XXXX XXXX -- plus notes from my meeting with XXXX, and a description of my history of encounters in attempting to resolve this fraud. Despite all of my efforts, XXXX has unleashed the collection agency Afni to further plague me with demands for funds I do not owe. 
I sent Afni all of the same documentation proving that the phone was returned and XXXX notified.
Product: Debt collection

On XX/XX/XXXX I reached out to I C System INC. in regards to a collection they have placed on my credit report for a XXXX XXXX debt. That debt was settled with the previous collection agency ( XXXX XXXX ) whom owned that debt at the time.I spoke with XXXX XXXX w/ I C System INC. and explained that in XX/XX/XXXX that debt was settled and considered paid in full and was to be removed from my credit report in which it was and this needs to be removed from my credit report and closed. He stated that I needed to take this matter up with XXXX XXXX   because if I settled with them it would not have been placed for collection now so I must have defaulted on my agreement. I explained I did not and this needs to be removed but he stated there was nothing he could do.
Product: Credit card or prepaid card

Bank of the West sent me the offer and promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to the upper level but till today XX/XX/2023 I didnt receive this money. 
I called the fraud department of the bank where the representative told me that they have a limit of one complaint for a household and didn't take my complaint for not giving me {$200.00} reward for using their credit card as they advertised. This is false advertising and I believe that they ( Bank of the West ) stole my money. 
Me and my husband we are two different persons and used two different credit cards that is why I believe we can open a class action against the fraudulent advertising and for not giving us awarded money. 
I received the email with a confirmation of successfully completed the requirements for receiving {$200.00} for my account. But never received this money.
Product: Credit card or prepaid card

I had a deposit come in in my fiance 's name so they closed my account saying they was returning the money to the originating bank they needed a letter of indemnity first which the other bank sent and they told them their was no funds to be refunded their is XXXX dollars to be returned ... When I called they said they sent them to the wrong email which is the email they told me to tell them to send them ... They are just giving me the run around
Product: Credit reporting or other personal consumer reports

I recently looked over my credit report and noticed a inquire I did not authorize with XXXX XXXXXXXX on XXXX. I filed a dispute online at all three credit reporting agencies. I called and I was told the I must file a complaint here first before I can speak with the fraud department. There also XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE XXXX - XXXX ... .I did not authorized this account. I had no idea this was even reporting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/, and went to a car dealership in Maryland called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to look at a vehicle I was interested in. I applied for a used car loan through XXXX XXXX XXXX on that same day. The car that I was interested in was a little more than the loan that I was approved for. When I asked the sales representative that I was working with if hed be able to work with me around the loan that I was approved for through XXXX XXXX, he said yes. I ended up refusing the vehicle due to some issues that I discovered with it on the test drive. About a week later when I checked my credit report, I realized that there were 2 hard inquiries from the day that I visited XXXX XXXX that I did not authorize. The sales representative there must have run my credit on his own to see if he could get me a loan for the full amount of the car, but I did not consent to this. On XX/XX/ I tried disputing the inquiries through the credit bureaus on which they appeared, but was told that The only way to do so with through the company itself and then through the CFPB if The company would not resolve it. I called XXXX XXXX on that same day ( XX/XX/ ) & no one responded to me ( still hasnt ). I would like these inquiries to be removed immediately as they were not a result of my consent to run my credit ; I didnt authorize it and I wasnt even informed that it would be done.
Product: Debt collection

In XXXX of XXXX I was a victim of Identity theft and I filed a police report. There was someone attempting to open bank accounts and obtain other accounts with my ID and other identifying information due to someone stealing my information. I contacted XXXX to dispute a company by the name of Affirm. I contacted XXXX  and I disputed the inquiries and the actual debt. XXXX removed the inquiry but left the debt. Subsequently on XX/XX/XXXX I filed a new dispute and uploaded police report XXXX maintains debt is valid and disregarded police report and failed to provide me proof of validity of debt. I have not received any correspondence from this company outside of my credit report and calling the number abs sending in an affidavit via email disputing these three account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding this company. They temporarily fixed the error on my report only to re-report the incorrect information. My mortgage was transferred from XXXX XXXX  ( loan # XXXX ) to Selene Finance on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted Selene Finance ( XXXX # XXXX ) on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX but without a demand from Selene, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at Selene on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX. 

My loan with XXXX  was in forbearance at the time the loan was transferred. XXXX rightfully reported my loan as paid as agreed. Selene reported " paid XXXX days late. '' I have contacted Selene Finance on multiple occasions to no avail so I filed a dispute with the credit bureaus which Selene responded to and lied to them saying I was 150 days late. If in fact I was 150 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and Selene Finance was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither. 

Selene Finance only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up. 

The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic. 

I am attaching the following : The original payoff quote I got from XXXX good through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from Selene Finance to no avail. 
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX at Selene Finance the payoff quote and accompanying email I finally got on XX/XX/XXXX 2021
Product: Student loan

While I was attending the University of XXXX for 7 years I obtained Student Loans. I graduated in XX/XX/XXXX. I did not have Navient as my loan carrier I had XXXX. XX/XX/XXXX I had begun a BK but did not complete it. XX/XX/XXXX navient said I owe XXXX well My loans are like 15years old and I had them paid down to XXXX. I attempted numerous times to ask how they obtained my loan and why it was so much, but no one could explain to me the reason except that is just the way it is. It is very upsetting when you feel you have paid down a debt only to find out it has increased. 
I have worked 10 years in a rural setting. I feel I should have my loans forgiven. 
Please assist me. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I have have made numerous complaints to Transunion about inquires reported on my credit report that wasn't requested by me instead of removing them they Sent me a letter stating their information is correct. I made reports about inquires on my credit report and once again they refuse to remove false reporting. TransUnion replied to my complaint from last year to inform me that I'm a third party. I've sent TransUnion my Drivers license and also uploaded a copy to CFPB due to TransUnion telling me they never received my mail. This is Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. These are the fraudulent information TransUnion refuse to remove. Once again I request and investigation to have this unauthorize inquires removed from my credit reporXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX account for {$4600.00} reporting on my credit, that is not my account. XXXX XXXX 2019, I submitted ; FTC report, police report along with a personal statement from myself to Experian. I checked my Experian online account on XXXX XXXX, 2019 and I had received a confirmation from Experian that, they have received my documents to dispute XXXX XXXX XXXX. On XXXX XXXX, 2019 Experian removed XXXX XXXX XXXX from my credit file. Has of XXXX XXXX, 2019, XXXX XXXX XXXX has been resubmitted on my credit profile. On XX/XX/2019 at XXXX I talked to XXXX ( Team XXXX, Supervisor ) with Experian and I was told ; XXXX XXXX XXXX  never did provide them with any type of proof, but XXXX XXXX XXXX did say that the account was my account and Experian has no obligation to verify that the information being reported by XXXX XXXX XXXX  is accurate. XXXX refused to help me with this item reporting on my report.
Product: Debt collection

agent who did not identify themselves but trying to collect under the name of carrington requesting monies owed when discharged in  bankruptcy.would not leave initially kept harassing wanting money. these gestapo tactics will not be tolerated.agent was out of line
Product: Debt collection

On XX/XX/17 Bank of America debt collectors phone number XXXX contacted my mothers home and provided information in regards to my debt to my mother. She is not a co-signer. The only information they asked for her to verify was my date of birth. No other verification were asked. 

They continued to give private information to my family member. When I called the debt collectors to inform them that they did not verify the correct person and informed then that their verification process is not strong enough they hung up the phone on me ( supervisor XXXX XXXX ) not 100 % sure of last name. I called again spoke with Manager XXXX XXXX and he assured me that XXXX will never hang up the phone. Which she did. He indicated that they can not protect information if someone impersonates me. I informed him if the verification process was stronger their would be no room for impersonation. He was extremely sarcastic when I asked why didnt you verify address or social and he responsed with a snarkly comment your mother does not know your address?
Product: Mortgage

On or around XX/XX/XXXX I went to the local PNC branch ( XXXX XXXX zip code XXXX ) to sign docs for a HELOC. During the signing process the loan representative noticed a minor error which she assured me would be corrected. 

The error was in reference to withdrawing the money entirely to the checking account I was also opening that day. Nevertheless, I had no plans to immediately withdraw the loan in part bc the package offered by PNC allowed me to have the money locked ( although with a variable rate ) until I was ready to use it, paying only an annual fee of {$50.00}. 

Much to my surprise however, in XXXX I received an statement with a monthly payment and loan interest to be paid- the funds had automatically being moved into the checking account. In other words the matter noticed during closing was not corrected. I called the local branch to no avail as the branch does not regularly answers the phone. I proceeded to call XXXX housed at PNC in PA who worked on the loan approval and docs submission with me. 

XXXX stated the system showed I signed the doc to have the money withdraw automatically and no correction of such in the system. She submitted a complaint on my behalf and guided me on returning the money from the checking back into the HELOC account ( process was a bit difficult requiring two transfers etc ) and we both assumed everything would be resolved. 

The bank system however charged the loan amount and interest from my check account regardless, leaving it with less than {$500.00}, which is the minimum required not to pay fees for low checking account funds loan. As if this error was not enough, the system generated a XXXX statement requiring payment of an additional interest. 

The local branch does not answer the phone ( I wanted to reach out to a manager or the two ladies present at closing ), with that I spoke with the general XXXX for PNC on XX/XX/XXXX, a case was created and I was told to wait for a case manager to contact me. This however is yet to happen. 

Meanwhile, I continued to try to reach the local branch. Yesterday, XX/XX/XXXX in one of my numerous attempts a branch staff answered and assured me, XXXX, the local branch representative present at the closing, would return my call once she arrived at the branch. The call never occurred. I have attempted to contact the local branch again this morning to no avail. 

I would gladly close this loan and attempt to work with a more reliable and customer focused bank loan as this aggravation is not worth my time and money. However I would incur a penalty of over {$1000.00} for closing the loan. In other other words, PNC makes a mistake, it is not swift in correcting, makes it difficult to have the matter resolved and while in this convoluted process continues to benefit from having the loan amount which was not withdrawn plus the interest it continues to charge me. Leaving me with no recurse, but to file an oversight report. 

A prompt resolution to this matter would be greatly appreciated XXXX
Product: Debt collection

Received multiple bills from collection agency while awaiting charges to be paid by insurance company. The original date of service was XX/XX/XXXX ( {$560.00} ) On XX/XX/XXXX received call from collector stating that if wasn't paid, credit will be affected. At that time, I paid the collection agency. 
I then received a EOB from my insurance company on XX/XX/XXXX stating that this claim was paid. I finally was able to get someone to help me on XX/XX/XXXX. She found this should have been a workmans comp claim. I forwarded all paperwork to her and she in turn forwarded to XXXX XXXX. 
After not hearing anything since XXXX, I contacted XXXX XXXX on XX/XX/XXXX. I was told to contact debt collector. 
I've been trying to get refunded {$560.00} from either hospital, who referred me to debt collector who referred me back to hospital.