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

I am submitting this complaint against Global Lending Services LLC, requesting to maintain my anonymity due to serious concerns for my personal safety and privacy. 

This complaint centers around an agent at Global Lending Services LLC, who, after our professional interactions, inappropriately used my personal information to contact me for personal reasons. This agent was not only privy to highly sensitive information, including my home address and social security number, but also expressed intentions of pursuing a personal relationship outside the professional scope, which is highly unethical and frightening. 

Disturbingly, it has been brought to my attention that this individual was previously terminated from employment due to XXXX harassment allegations. Despite this history, Global Lending Services LLC chose to hire and subsequently promote this individual within their ranks. Even more concerning is the fact that his promotion came with high recommendations from the head of his department. This endorsement, despite his known history of inappropriate behavior, is incomprehensible and alarming. It suggests a systemic failure within the company to recognize and act upon significant red flags regarding employee conduct. 

It has also been revealed that once the company was made aware of his behavior, their response was merely to transfer him from one department to another, rather than addressing the underlying issue. This practice of ignoring and, in effect, enabling such behavior places clients at risk and questions the company 's commitment to ethical standards and customer safety. 

The knowledge that someone with a history of misconduct was not only employed but recommended for promotion by senior management has exacerbated my fears for my safety. It is unacceptable for a company to so negligently handle such serious concerns, especially when it pertains to the safety and privacy of their clients. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into my claims and to hold Global Lending Services LLC accountable for their actions, or lack thereof, in dealing with such serious allegations of misconduct. The company must be questioned on their hiring practices, their process of internal promotion, and their response to allegations of inappropriate behavior by their employees. 

Thank you for your attention to this distressing matter. I trust that the CFPB will take the necessary actions to ensure justice is served and that measures are implemented to prevent similar incidents from occurring in the future.
Product: Debt collection

They keep calling before XXXX repeatedly almost everyday. I've blocked them and they call from different numbers
Product: Mortgage

I am asking for forgiveness on a 30 day late payment that is on my credit report. I understand people make mistakes and I know that the payment was late and I was going to be charged a late fee but I sent the payment in before it would be 30 days late. I was willing to pay the late fee but never expected to have a 30 day late derogatory mark on my credit report. I mailed my payment in on XX/XX/XXXX for XX/XX/XXXX mortgage payment. The reason I mailed it in is at the time Pacific Union Financial charges a {$10.00} fee for online payments. Due to the New Year Holiday and the Post Office being closed on New Years my payment must have been delayed and did not clear PUF until XX/XX/XXXX. I feel that if it had been any other month my payment would have gotten there on time. I wish they still had the envelope the payment was sent in so I can prove when it went through the post office. This is the only negative mark that I have with my mortgage company and I am looking to refinance out of my FHA mortgage and into a Conventional Mortgage but with this negative mark on my credit report I was told I cant refinance into a conventional loan for 12 months. I am seeking forgiveness on the late payment so I am able to refinance. I contacted my lender and they wouldn't listen to my situation and the reason I gave that it may have been late. I was unable to explain anything they just took my info and said they would look into it. I spoke with a PUF Refinance Officer and he was unable to see any late payments on my account and wanted to go forward with refinancing. I didn't want to have another hard inquire on my account until I made sure the 30 day late payment wouldn't come up.
Product: Debt collection

The collection agency or law firm -- Kimball, Tirey and St. John LLP of XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX has been making calls to my elderly Father, assigned his social security to an unvalidated debt, and have hurt his credit, caused emotional distress.
Product: Student loan

The amount for repayment will be a very high amount that I will not be able to afford. I am currently in deferrement with my loan due to being in school but is projected to start paying on the loan in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00}
Product: Debt collection

Account Resolution Servi # XXXX is fraudulently trying to collect from me another XXXX dollars since XX/XX/XXXX and I already paid them. I recall paying this XXXX dollars at least two times but I can not find the other checks. 

This fraudulent agencies need to be stop by the government. They know that banks only keep back records for seven years and some people do not keep their records. I keep all records. That is why they need to be stop from collecting fraudulent charges back to seven years. 
I paid the XXXX primary care physician XXXX dollars on XX/XX/XXXX. I paid them with check number XXXX since XX/XX/XXXX. 
I gave that information before to that company but they still want more money from me. Guess what? they are not going to get it because I already paid that account.
Product: Money transfer, virtual currency, or money service

I signed up to kraken crypto exchange. I worried XXXX from my bank on XX/XX/XXXX. I understood there is a 72 hour or 3 day hold. we are going on 7 days and they refuse to release my money. They've asked me to send pictures write letters read articles etc which I did immediately as asked even though I felt that what they asked for was unwarranted. I felt bullied because I was at the mercy of their discretion toward my funds. It's been 2 days and I have not heard back and my emails to them have been unanswered. My money is still on hold. All I want is my money back in my bank account and off this site. I would warn everyone looking to sign up to stay away. There are tons of complaints against them and it's time we hold them accountable for actions such as this.
Product: Credit card or prepaid card

Wells Fargo allowed for a credit card to be opened in my name by someone who obtained my information as a result of identity theft. I have in the past been a victim of identity theft, and since the I have struggled with having multiple accounts opened in my name and social security. I have notified Wells Fargo, and all 3 credit reporting agencies that this account was opened as a result of identity theft and I have provided a police report, but Wells Fargo has refused to remove the fraudulent account out of my name and both XXXX  and XXXX have continued to report the fraudulent account even though I also told them this account was fraudulent and I have also provided them a copy of the same police report. All 3 of these companies are violating my rights and are refusing to remove this fraudulent account from my credit file and therefor they are violating my rights to good credit and are violating the FCRA Section 605 ( B ). I have sent certified letters to all 3 of these companies and they have continued to ignore me. This account is fraudulent and was opened as a result of identity theft.
Product: Credit reporting or other personal consumer reports

This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is reporting to all 3 credit bureau 's as of XX/XX/XXXX i owe them {$190.00}. This is not my account and I have disputed this before. It was originally with Original Creditor Name XXXX XXXX XXXX  XXXX FROM XX/XX/XXXX for {$190.00}. It was CHARGED OFF! AND NOW IT WAS SOLD AND PUT BACK ON MY CREDIT AFTER 7 YEARS UNDER A NEW COMPANY 'S NAME AS OF XX/XX/XXXX. THIS IS NOT MY ACCOUNT IT NEVER WAS MY ACCOUN TO BEGIN WITH, T IT WAS ON MY REPORTS FOR 7 YEARS AND NOW THEY SOLD IT AND A NEW COMPANY I NEVER HEARD OF IS SAYING I OWE THEM NOW, ITS FRAUD! PLEASE MAKE THEM STOP! I HAVE ALSO BEEN EXPOSED TO SEVERAL DATA BREACHES, THIS IS NOT MINE.
Product: Checking or savings account

I am still waiting for CAPITAL ONE 360, to return funds, that are still in my closed checking account, to the original sender. I have made 2 complaints, with the bank responding that they will return the funds. That has not been done. I believe that there will be no satisfying response from the bank as to why it has not been done, yet. I do not want another letter, saying that they will be returning the funds, just return the funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX  XXXX  Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX  XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX XXXX  XXXX XXXX Account 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.
Product: Checking or savings account

Someone stole my phone back in XXXX and there was 3 transactions unauthorized transactions that amount to XXXX and they are telling me the error wasnt a error so they are stealing XXXX from me and Im mad as heck That is my rent money and no I will get a eviction I hate This
Product: Checking or savings account

XX/XX/year> USSA debit my checking account. Twice in one day online only authorized XXXX dollars. I called in speak with credit card company and then transferred to checking department. Then tried put the mint in a non authorized bank ending in XXXX. I called in ask why they not putting the money back in the account they took the money from. I have calling in every day since XX/XX/XXXX th. I get different emails every time.
Product: Debt collection

We are filing a dispute regarding the failure for XXXX XXXX XXXX ( XXXX ) to complete a modification review under Home Affordable Modification Program ( HAMP ). 
Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on Ocwen Loan Servicing ( OLS ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that XXXX, and OLS are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX. 
The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both XXXX and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX. 

Both XXXX and OLS, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of OLS. The lawsuits allege, among other things, that Litton Loan Servicing ( " Litton '' ) and Ocwen Loan Servicing ( " Ocwen '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm. 

Our loan was approved of what 's called a XXXX XXXX XXXX loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}. 

We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several certified letter disputes requesting XXXX XXXX and lexis Nexis to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate information.
Product: Debt collection

I have no debt in collections whatsoever like that and I have never missed a payment. Somehow the company January Technologies has charged my debit card and I reached out to them and asked for proof of debt they said they needed my information to verify. They still have failed to provide the proof of debt or any legitimate reason as to why they had my card information to begin with, I dont even have anything affiliated with them and they charged my card. After talking a few days go by with emails they are now asking me for my Bank and Routing Information to process a refund but I didnt ask for a refund Im asking why they charged my card to begin with. They still have been dodging the question.
Product: Debt collection

Company has continued to call family members to collect a debt payment that will be late this month. I will take legal action if o e of my family members is contacted again. They were listed as references not collateral. This practice is illegal and needs to be stopped immediatley.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Debt collection

Multiple individuals have been calling from different phone numbers on behalf of " Portfolio Recovery Associates ''. Because of that, I have not been able to block these unwanted calls. The callers claim to have a " personal business matter '' with me, and ask me for sensitive information that includes my name, social security number, and date of birth. The callers have also stated that they want to collect a debt, and that the calls are recorded. 

The " Portfolio Recovery Associates '' appears to be either owned or associated with PRA Group , Inc XXXX XXXX Virginia ). The callers are either employees of such organizations, or individuals representing such organizations. 

I have informed them that ( a ) I do not have any " personal business matter '' with them, ( b ) the debt that they are collecting is not mine, ( c ) I am not responsible for the debt their collecting, and ( d ) I am not the person that they claim to be seeking. 

In one of the calls, the " Portfolio Recovery Associates '' representative provided last 4 digits of the Social Security Number, and year of birth of the person that they seek. Those numbers are not mine, and I informed the representative that that person is not me. I also asked that their company stop calling me. 

I have on multiple calls asked the representatives to stop calling me, and that they remove my name and contact information from their company lists and records. I also told them that they were harassing me. 

The company keeps calling me, harassing me, attempting to collect personal information, and fraudulently attempt to collect money from me. 

I am requesting that the company and any of its associates and representatives, stop contacting me now. I am also requesting that they remove my personal and contact information from all of their systems and records. 

Thank you.
Product: Debt collection

XXXX-Speedy Cash have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3100.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a {$500.00} loan on XX/XX/XXXX. My payments started on XX/XX/XXXX, I paid {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX, {$130.00}. I skipped the next payment. I paid another payment on XX/XX/XXXX, and my last payment was on XX/XX/XXXX. I paid a total of {$910.00}. Every now and then I would call and check my balance which seem not to be decreasing at all.. Loan at last has been reaching out and I told them I was not going to pay anymore money. They offered me a settlement for {$470.00} and I could pay {$150.00} in installments and the account would be closed. I fell as though they have gotten their {$500.00} back already. 

This has put me behind on my bills and now I am trying to play catch up.