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

Transunion, XXXX, and XXXX used my information without my consent for the accounts : XXXX XXXX ( XX/XX/19 ) and XXXX XXXX XXXX ( XX/XX/19 ) also According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.
Product: Consumer Loan

I have filed a personal loan application with Prosper on XXXX/XXXX/2016. As I indicated in my application that I am a XXXX, Prosper did not have a specific form for this type of income statement on their website and asked to call them, which I did next day. 

On XXXX/XXXX/2016 I submitted all additional documents and was notified by Prosper that my loan is 100 % funded. 

On XXXX/XXXX/2016 I received a message from Prosper that my loan has been cancelled due to " We could not verify your employment status. '' In their message Prosper also stated that " You should re-list as soon as : You have changed your employment status to XXXX '. '' Since I did state my status as XXXX in the original application ( I am a XXXX ), this message sounded completely lunatic. 

I proceeded with e-mailing Prosper customer service and received the following reply : " We do apologize for any frustration. With the listing cancelled, you will have to relist. I have updated your employment status to XXXX. Unfortunately, you will have to submit a new application with the information updated on your account to move forward. Thank you for your patience. '' I followed Prosper 's advice and filed a XXXX application. This application has been denied due to " We are unable to accept your application at this time because our records show that we 've recently declined your request for a loan through Prosper. You are eligible to reapply 120 days after the date that your previous application was denied. We hope to see you again soon. '' While Prosper certainly has the right not to issue me a loan, Prosper does not have a right to engage in fraudulent deceptive practices and flat out lie to their loan applicants. I would like you to investigate this matter and subject the company to appropriate liability, whether in a form of a fine or any other measure of liability the Bureau will see fit. 

Thank you.
Product: Debt collection

I took out a payday loan with XXXX XXXX back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by GCFS, Inc. GCFS , Inc has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of $ XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used XXXX XXXX  due to it's predatory loan practices and high interest rates. XXXX XXXX was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan. 

I tried to settle with them for {$2500.00}, the original loan amount, but GCFS, Inc. Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Debt Collector for Unauthorized Credit Access Dear FTC CFPB XXXX Equifax and XXXX I am writing to file a complaint for accessing my credit report under false pretenses. I believe this action violates the Fair Credit Reporting Act ( FCRA ) and warrants investigation. 
I have never given any permission nor signed any disclosures with these creditors. I have asked several times for docs and they continue to violate my rights. I have suffered damages as the information has caused me to lose my job and triggered severe emotional distress. I am writing this letter on my own initiative and free will. I have found inaccuracies in my credit reports, and the FCRA Act mandates that actual people, not computer programs, verify credit reports. Verification will come from talking to people I know, since the information provided by secondary credit reporting agencies is often inaccurate. I, the author, request that this content be removed immediately.Provide evidence of the debt, such as accurate bookkeeping. A signed invoice that attests to their allegations against you. A copy of the legally binding agreement that binds you and the other party ; send this letter by recorded delivery so that someone else can confirm receipt. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. I have contacted the Creditor/Agency asking for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to XXXX XXXX XXXX XXXX XXXX, I am challenging the accuracy and integrity of the information. 
I have requested the FTC, CFPB and my legal counsel to investigate this matter promptly and take appropriate action against the debt collector in question. Your assistance in resolving this issue is greatly appreciated. FTC and CFPB reports have been filed. 
Thank you for your attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I opened up an account today with sezzle. It was initially " approved ''. They verified my banking information and approved me for a spending amount. However, when I attempted to place an order I received an error saying they couldn't verify my identity, so I could not proceed with my order. 

About 2 hours after that, they still deducted a micro amount from my checking account. How is it they " can't verify my identity '', but can take money out my account? This is very perplexing. You approve me, make me go thru all of the necessary criteria, give me a spending limit, then say you don't know who I am. 

I reached out for answers, to no avail. After that, I closed my account due to not being able to utilize it since my identity is a conundrum to them.
Product: Checking or savings account

On XX/XX/2021 a withdrawal was made at an ATM on XXXX XXXX XXXX XXXX XXXX for {$500.00}. It cleared by bank ( BBVA Compass ) on the same day. My ending balance on this days {$2700.00}. I have a statement from BBVA to show this.

I have a statement from PNC Bank which took over BBVA Compass showing the beginning balance on XX/XX/2021 with the was {$2700.00}. 

Only one ATM withdrawal in that amount and from that ATM was made between XX/XX/2021 and the present day ( XX/XX/2021 ). 

On XX/XX/2021 the PNC Corporate offices deducted another {$500.00} in error ( same withdrawal from XX/XX/2021 ) from my account. At that time my account had a balance of {$1.00}. As a result my checking account went into a negative XXXX. 

I have tried since that day to speak with someone at the bank to get the issue corrected. My husband actually went into the bank on XXXX XXXX in XXXX, Florida on XX/XX/2021. The bank manager advised him that she could see it was a duplicate withdrawal, but all she could could was file a dispute which could take 10 working days to resolve. 

I have called the bank many times and I am unable to do anything. I was able to withdraw my deposits from our employers that was made on XX/XX/2021 minus the {$500.00}. 

At this point I have become convinced the {$500.00} is never going to be put back into the account so that I can close it out and never attempt to bank with this financial institution again. 

I am asking for your assistance in helping me recover the money that is rightfully owed to me.
Product: Credit reporting or other personal consumer reports

I requested Experian to validate and ensure accuracy and completeness of the XXXX XXXX XXXX account that is being reported on my Experian credit report and for Experian to mail me the documents used to validate and ensure accuracy and completeness of this account in the letter attached to this complaint. Experian has conducted and concluded their investigation of the XXXX XXXX XXXX account by verifying the account as accurate, which I have attached their results to this complaint, but has not sent the documents used for verifying the account is accurate and complete that I requested to be mailed to me. I also stated in the letter that was mailed to Experian that if Experian validates the XXXX XXXX XXXX collection account and determines the account is accurate and complete without providing the documents used for validation and determining accuracy and completeness then Experian will be reported to the Consumer Financial Protection Bureau and will face a lawsuit for damages. Because Experian has failed to prove and provide the documents used to verify accuracy and completeness of the XXXX XXXX XXXX account, a class action lawsuit will be filed against Experian for falsely reporting unverifiable, inaccurate, and incomplete information on personal credit reports and personal damages to my physical and mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two FTC reports with inquiries that I did not authorize, please delete these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never financed a vehicle before in my life. I worked at a XXXX XXXX as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX  and I need to finance a car and cant because of the Malicious error.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

nquiries be blocked and deleted from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$57.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$110.00} XXXX. XXXX  Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Debt collection

RE : VALIDATION ; CEASE AND DESIST Dear CREDIT CORP SOLUTIONS INC, 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 to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed numerous times over the years especially the past year to have EXPERIAN accurately verify my account. I have sent proof of my entity, proof of the other bureaus deleting the alleged accounts due to lack of proof. I've also expressed that I have the capacity to under my federally protected rights. They keep sending emails and stall letters about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation of my wet-ink signature, that proves these alleged accounts belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
Product: Credit reporting or other personal consumer reports

I applied for the 0 % / 12 month installment financing for a small home improvement project through a company called XXXX XXXX XXXX 

An affiliate of XXXX XXXX XXXXXXXX called GREENSKY denied my credit application for no apparent reason. a representative of Greensky stated that " we do not get to see any reason why the application was declined '' ... and stated that XXXX will be sending me a letter of explanation for the Denial. 

My XXXX  score is XXXX so none of this information by GREENSKY makes any sense.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to report a fraudulent Affirm account that has been charged off and reported on my XXXX credit report. After thoroughly reviewing all three of my credit reports, I found this inconsistent account only listed with XXXX. 

I have already filed an FTC Identity Theft Report and a police report to document this fraudulent activity. Despite my efforts to resolve this matter by contacting Affirm directly, no resolution has been offered. This unresolved issue has created significant financial hardship for me. 

I kindly request your assistance in investigating this matter and ensuring that the inaccurate information is promptly removed from my credit report. 

Thank you for your time and attention to this urgent matter.
Product: Mortgage

This complaint is against XXXX XXXX. I had a 15yr interest only mortgage which was coming due in early XX/XX/XXXX. I contacted XXXX in writing for a refinance or modification. This request was sent in XX/XX/2007. We were contacted by a XXXX  Loan processor XXXX XXXX ( please see letter dated XX/XX/XXXX ) requesting contact to discuss my approval for modification. I did contact XXXX  via telephone and made arrangement for a meeting at a local XXXX  office in XXXX XXXXr ( XXXX XXXX XXXX in XXXX XXXX NJ ) .The telephone conversation was around XX/XX/XXXX. The date for the meeting was to be determined. Then on a letter dated XX/XX/XXXX we received a letter denying the modification. I made a inquiry as to why, the response was I had a bankruptcy and the mortgage was not reaffirmed. I told XXXX my bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. My bankruptcy was filed according all the duties and responsibilties of USC 1996 Chapter XXXX  and reaffirmed in compliance to section 524c and 524d. XXXX XXXX and all my creditors were contacted. From that point on we were sent payment stubs for voluntary ( as if I was still in the bankruptcy process ) payment.This is clearly a violation of my rights.Also XXXX miss-stated payments, wrong reporting to a credit bureau. Trying to explain this to XXXX fell on deaf  ears. I was told they can do ( sent voluntary payment coupons ) anytime they want! The reason why I am logging this complaint is my home is currently in sheriff sale. All, what has happened in the last 10 years should not be .XXXX XXXX had no standing on denying my mortgage modification, all payments were made. I have also filed a complaint with the DOJ .We also were part of the mortgage agreement with the Federal goverment. I can provide more documentation than what I have attached
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with TransUnion, XXXX, and XXXX regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

The inaccuracies include : 1. Incorrect account dates that do not match the original creditor 's records.

2. Inaccurate balance amounts, which are not consistent with actual account statuses.

3. Payment history errors, such as reporting late payments that never occurred.

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data.

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off in XXXX of 2022, to remove personal information that I don't not want on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Checking or savings account

I am trying to link my PNC bank account as a funding source with XXXX XXXX. To round my change up to invest in stocks and make investments. And PNC bank blocks their customers from being able to make their own financial decisions and will not allow them to link accounts to invest with XXXX. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against AIDVANT regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, AIDVANT has consistently reported my account as being 120 days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions on my credit score and overall financial well-being.

The issue stems from AIDVANT 's failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet AIDVANT has repeatedly misrepresented the status of my account, causing undue stress and financial hardship.

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, AIDVANT 's negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities. 

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into AIDVANT 's inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of AIDVANT 's failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.