23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Myself and property was hit by XXXX XXXX on XX/XX/XXXX. Many of my tenants and properties were damaged. I applied for help and got it with all of my properties but one. SELECT PORTFOLIO SERVICING , INC . They mislead me to believe that I could apply for a program. Which would put the mispayments on the end of the loan. Once I was denied, then appealed it, the truth came out. There policy is that they don't offer FOREBEARANCE unless you leave in the property. From day one this loan was an investment property. Second, once you apply they ask you if you live at property, XXXX everytime you call they ask you if you live there and intent was. So going through the process that took weeks to do, in turn made my payments even more late. Which in turn reported me to the credit agencies. Which ruins your credit, also can't buy or refinance this house or any other. They have completely ruined me. If they would of stated that from the beginning the end result would of been different. They will not take ownership of their misinformation. Or will take the late payments off my credit report. Again I went through this with 4 other mortgage companies, which none of which reported me to the credit agencies. Which also I did qualify for a FOREBEARANCE. Again if their policy states that I don't qualify. Then why let me apply-which states on the application if I live their. Then go through weeks of waiting, which in turn delaying my payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Checking or savings account

Bank of America closed my account due to fraudulent activity, but before my account officially closed, my Social Security Disability check was direct deposited into it, I was told I had to report fraud on that account for which I did, now they are refusing to refund my Social Security income, first I was told I had to go into one of the banking center for my refund for which I did on XX/XX/XXXX, of this year, the representative in the banking center told me the bank usually send a check there was no reason for me to come in the center, while in her office she called the office they told her I should have my refund before XX/XX/XXXX and she gave me a phone number to call to check on it which is ( XXXX ) XXXX, I call on XX/XX/XXXX for a status and got the runaround, was told I had to go back into a banking center, BTW XXXX XXXX is XXXX a national holiday
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 and XX/XX/24 I have contacted the XXXX and have asked on multiple occasions to delete the creditor, XXXX XXXX  off of my credit report since it is a Charge-Off. The reason I want this removed is that it is a Charge-Off and should be removed under Article 15 US Code 1601. On XX/XX/24, I have contacted XXXX and have asked on multiple occasions to delete the creditor, XXXX XXXX off of my credit report since it is included in the bankruptcy and should not be showing on my credit report under Article XXXX XXXX Code XXXX ( b ). 

Transunion is refusing to remove XXXX # XXXX and they are incorrectly reporting this an OPEN ACCOUNT AND A COLLECTION ACCOUNT and I have asked for this account to be deleted as a collection under Article 15 US Code 1692c - Collection.. In addition to XXXX XXXX which is a collection under account # XXXX and I have asked this to removed under Article XXXX XXXX Code XXXX - Collection. XXXX XXXX XXXX, IS A COLLECTION ACCOUNT AND SHOULD BE REMOVED UNDER ARTICLE 15 US CODE 1692c Sincerely, XXXX XXXX XXXX cell phone
Product: Credit card or prepaid card

I'd like to file a formal complaint against Chase. I booked travel through the rewards center. XXXX XXXX canceled one of my flights home in XX/XX/XXXX and did not rebook me. As such, I would have been stranded in XXXX. 
Therefore, I contacted Chase XXXX XXXX  to cancel the whole trip and get a refund. I was assured that they would work with XXXX XXXX to get my refund of {$1600.00}. I even have an email on XX/XX/XXXX stating they were still working on the refund. I checked my account today and see an airline credit. This is unacceptable since they were the ones that cancelled my flight and I will literally never use their airline again. 
Why would Chase accept this on my behalf? Also, this is not what was agreed upon with Chase. Why advertise a helpful travel support center when they are completely useless? They transfer you a million times so you can re-explain your story and exhaust yourself. Then they put you on hold and never give a resolution. 
Here 's what I want : a refund for my trip that I had to cancel due to the airline 's negligence. That's all. Chase keeps telling me their hands are tied, but I've been waiting on a refund since XX/XX/XXXX.
Product: Consumer Loan

I have a loan with Santander that opened in XXXX of 2011. It was a 72 month loan expiring this month. I had XXXX deferments on this loan in 6 years. My original balance was {$18000.00}. After 70 payments of {$400.00}, my balance is XXXX. This means I paid {$28000.00} towards an original balance of {$18000.00} only to pay {$7000.00} of that balance. 
Running the numbers, It will take another 10 years to pay the remaining balance. I will be paying more than {$60000.00} for an {$18000.00} vehicle. This is much worse than a pawn shop or a payday loan. 

My choices appear to be file a bankruptcy after which Santander will take this vehicle and sell it to another sucker who will have 20 years of payments on a vehicle that may last a year. Santander will get {$120000.00} on a vehicle that costs less than $ XXXX. Or I can pay on it for another 10 or more years. This ca n't be legal in any sense ... there can not be a legal, ethical or human precedent that allows a corporation to encumber a person for the rest of their natural life with payments. 
I am signing the right for you to share this. I know that CFPB has successfully forced the credit bureaus to pay XXXX thousands of dollars for wrongs they did to consumers. I trust you can do the same to Santander who forces people into poverty by making them pay for a vehicle for the rest of their natural lives.
Product: Credit reporting or other personal consumer reports

UNATHORIZED INQUIRY XXXXXXXX XXXX XXXXXX/XX/23
Product: Credit reporting or other personal consumer reports

XXXX ran XXXX hard inquiries with Transunion on XX/XX/2023 & XX/XX/2023 that was unauthorized.
Product: Student loan

Harrasing phone calls from XXXX for a student loan I do not have. I have been out of school for approx. 30 years. I notified company to cease & desist. Company has ignored my wishes. Please contact company to stop unwanted calls and harassment.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I made a payment to XXXX who collects for Possible Financial in the amount of {$260.00}. It was a settlement payment. I received a paid in full letter but the account still show on my credit report as unpaid.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ).

It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress.

I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX, I received a text from Huntington 's Fraud Alert that asked me if I authorized a transaction. I replied NO. I received another text stating they were putting a block on my card until a member contacted me. Shortly after a member contacted me and I was told he shut off my card. Numerous unauthorized transactions continued to clear the account ( XX/XX/2021 XXXX {$89.00}, XXXX {$64.00}, XXXX {$300.00} and XX/XX/2021 XXXX {$230.00} and XXXX XXXX {$200.00} ). I called the next week and was told my card was never turned off but they again would be shutting the card off. I followed all procedures to file numerous disputes with Huntington. The first time, I received a letter stating they determined I made the transactions. I filed another dispute and this time never received any documentation, but my account was still showing the transactions and all associated fees. In XXXX I went to the local branch and filed another dispute and asked for the documentation they used to support denying my dispute. This could not be provided, the banker was as confused as me as to why they could not provide us with documentation. She continues to file another dispute. I have never received any documentation regarding this dispute. XX/XX/2021, I filed a complaint with the XXXX, which they can not help me with, but Huntington contacted me on XX/XX/2021 and said they could look into it again. To date I have not received or heard anything from Huntington. My account continued to be overdrawn by over {$1000.00} until a tax refund went into this account in XXXX. I have been unable to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe to  XXXX   XXXX   XXXX  and   XXXX   XXXX   bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Rate genius, emailed my account # on XX/XX/2023 and never received an email response back. I emailed to clarify why I received these emails and never received a response back. 

XXXXXXXX XXXX, emailed about inquiry as well and did not receive any feedback. I was not about to distinguish the other two hard inquirys to find where to reach out to It was shown per Credit Karma these would be soft inquiry pulls, not hard inquiry pulls when inputting salary information.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 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 XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, 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. 

XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is about TRUEACCORD CORPORATION act # XXXX I am writing to formally dispute a debt collection account that has been reported to my credit report by TRUEACCORD CORPORATION XXXX I believe this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) .TRUEACCORD CORPORATION has XXXX authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) TRUEACCORD CORPORATION has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. 



I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on this account. My final request is that you furnish the purchase agreement between you and the original creditor.
Product: Money transfer, virtual currency, or money service

I was a victim of identity theft and have filed reports with the FBI and local law enforcement. I was informed by both to contact all companies with fraudulent accounts and have them closed. All the companies have helped me to close my fraudulently opened accounts except Coinbase. I did not open the account and did not authorize any of the transactions on the account. I would like the account closed and confirmation from Coinbase that the fraudulent account was closed.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning matter related to an account listed on my credit report, which has far exceeded the permissible reporting period of seven years. According to the FCRA, this account should have been removed from my credit report long ago. Furthermore, it has come to my attention that this account was paid in full following a settlement, and the company has neglected to send the required 1099-C form, which constitutes a violation of tax reporting regulations. I am compelled to demand the immediate removal of this account from my credit report due to these apparent FCRA violations. This matter has been raised with your organization through a letter sent five months ago, yet it appears to have gone unanswered. I want to emphasize that each FCRA violation carries a potential fee of up to {$1000.00}, and I am fully prepared to seek legal action should this account not be removed within the next 30 days. Please see the attached dispute letter which is dated and time stamped. Remove the following account from my credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act Convergent Account # XXXX, Account name XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to address a pressing matter regarding my account with XXXX XXXX XXXX XXXX, Account Number XXXX, which is currently inaccurately reported on my credit report. This discrepancy is not only undermining my credit standing but also infringing upon my rights as a consumer under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. Given this definition, I am formally requesting that XXXX XXXX XXXX XXXX take immediate action regarding the inaccurately reported closed account on my credit file. Specifically, I urge you to promptly update the status of Account XXXX XXXX to reflect that it has been paid in full. This account was initially opened on XX/XX/year>, and has since been closed. Any outstanding balances associated with this account have been fully settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also significantly detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account to prevent any unwarranted negative impact on my creditworthiness. I trust that XXXX XXXX XXXX XXXX will address this matter with the urgency it warrants and in strict accordance with the provisions outlined in the Fair Credit Reporting Act. Furthermore, I anticipate receiving confirmation once the necessary actions have been taken to update the status of Account XXXX XXXX on my credit report. Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit reporting

My XXXX XXXX XXXX credit card ending in XXXX has had issues for several months. I have contacted them numerous times and made payments in which they put my incorrect checking account number in XXXX times, and blamed me for the payment not going through. As you will see below, I made numerous contacts and paid of the phone and they have read off the number to me to make sure they finally had it correct and then still failed to correct it in their system. They never once contacted me to let me know there was an issue with the card. I have contacted them over and over, and just recently in XXXX made another payment ( over the phone since my online XXXX section was never fixed like they promised ) and no one even mention to me of the account closing?? I have done everything in my power to make payments on this card and it is not my fault for their employees not being able to do their job correctly. Please see all proof below!
Product: Vehicle loan or lease

I ordered a car on Carvana 's website on XX/XX/2020 to be purchased in full and delivered to my address in XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from Carvana stating that my registration was being processed. 

A few days later, I received a car title dated XX/XX/XXXX but Carvana later informed me over a phone call that I should disregard this title since the date was incorrect and that they were still in the process of getting me an updated registration. 

There were numerous delays and the car was not delivered until XX/XX/XXXX. When it was delivered, it had temporary XXXX XXXX  license plates. 

At the beginning of XXXX, I called Carvana to check on the registration process since it had been about a month since I received the car. The customer support representative told me that Carvana was still working on the registration process and that told me that it was legal for me to drive to XXXX  with the expired temporary license plates since XXXX had issued an executive order extending license plate expirations. 

Today, XX/XX/XXXX, I called Carvana again to check on the registration status and this time was given conflicting information. Today I was told that it is in fact not legal to drive outside of XXXX  State since the executive order would only allow the expired license plates to be driven legally in XXXX. ( I'm not sure if the customer support representative understood that the license plates were from XXXX, but I'm not sure if that matters because XXXX  also extended their expiration. ) Also today I was informed that XXXX was not sure what was delaying the registration process but that it was unlikely that I would received my updated registration and license plates by the end of the month. 

I am moving from XXXX XXXX to XXXX  at the end of XXXX ( about 10 days from today ) and now can not legally drive to my new home in XXXX  due to the expired license plates. This car is my only method of transportation and I am now in an extremely difficult position as I now have no way to get to my new home, despite the fact that my current apartment lease in XXXX XXXX ends at the end of this month. Additionally, I have lost about 30 hours in dealing with this situation and the resulting stress which has cost me a lot of money because I had to take those hours off of work and thus did not get paid.