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

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XX/XX/XXXXXX/XX/XXXXXXXX Bankruptcy - XXXXXX/XX/XXXXXXXX - XXXX - {$0.00} XX/XX/XXXX - XXXX - {$0.00} XXXX XX/XX/XXXX - XXXX - {$0.00} XXXX - XXXX XXXX {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

USAA getting inaccurate credit reports and scores on XX/XX/XXXX from XXXX score XXXX on that day I called XXXX on XXXX score XXXX today XXXX of XXXX score was still XXXX USAA told me they pulled this score my XXXX credit score it's in correct
Product: Debt collection

After suffering job loss during the pandemic and asking to have this debt removed from my credit report due to natural disaster ( Covid-19 ) in 2020 this third party debt collector refused. They then contacted my boyfriend and sent him a letter addressed to him and not me with my debt information and a collection notice. The notices are for my accounts and they sent him my past due bills.
Product: Credit reporting or other personal consumer reports

Disputed it with the credit collector and credit bureau that it was never my account.
Product: Mortgage

I lost my job during the economic crash in XXXX and could not regain my salary until XXXX and have been asking to get a fresh start loan modification and Carrington Mortgage denied me because I make too much now. There is no way I can reinstate for of XXXX. HELP I must save my house. The denial occured on XXXX/XXXX/XXXX and I have until XXXX/XXXX/XXXX to APPEAL, and during that time there is no foreclosure but the sale usually is set for the XXXX of the month.
Product: Mortgage

In my previous complaint, I explained that Shellpoint took over 60 days to locate my {$20000.00} principal payment, which was wired from XXXX XXXX to Shellpoint with my contact information. By the time Shellpoint finally located my payment, my loan had already been transferred to XXXX XXXX XXXX. 

The new issue pertains to what happened when Shellpoint forwarded the {$20000.00} to XXXX. In addition to sending the correct {$20000.00} payment, Shellpoint erroneously sent a duplicate {$20000.00} payment, effectively

applying two {$20000.00} payments instead of one.

I identified this duplicate payment when it appeared on my account with XXXX on XX/XX/year>. After reviewing the situation, XXXX confirmed that Shellpoint sent two separate {$20000.00} payments, and clarified that this was not an error on their end. However, Shellpoint only has records of sending a single {$20000.00} payment and has no documentation of the duplicate transaction. As a result of this error, my loan balance is now incorrect. 

XXXX has been attempting to communicate with Shellpoints transfer servicing team for over two weeks to resolve the duplicate payment issue, but no progress has been made. I have also called Shellpoints customer service line, but they are unable or unwilling to assist with this matter. Because Shellpoints negligence in ser
vicing and transferring my loan has caused my loan balance with XXXX to be inaccurate, I am currently unable to refinance my loan. I had locked in a refinance rate for XXXX, but due to this issue, I may have to extend my rate lock, which will cost me {$3000.00} every 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX & XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX & XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Did not follow the fair credit act
Product: Money transfer, virtual currency, or money service

XX/XX/2018. Went to a currency exchange and paid cash of {$1700.00} to be credited into my mortgage account, the currency exchange used the check free company to processed my money. The money never got to the mortgage company and I have called the company several times to resolve it to no avail.
Product: Mortgage

My Name is XXXX XXXX XXXX and I have a loan that is currently being serviced by PHH Mortgage with the loan number : XXXX, I started missing my payments on the mortgage in the month of XXXX of 2019 after my wife was hospitalized because of XXXX  XXXX, and I started to get behind on my mortgage, and as the entire world is suffering from the severe hit of Coronavirus, I lost my Job in the month of XXXX, I applied for a loan modification from PHH in the month of XXXX and I was denied stating I cant be given a loan modification as no loan modification is allowed on my mortgage, I also tried speaking with the Relationship manager and supervisors at PHH asking them to give me a Repayment plan or a Forbearance plan, but I was told that they can't help me with any of those plans.
Product: Checking or savings account

On XX/XX/XXXX or XXXX or so, I just realized that my XXXX CDs duplicated. Ther reason beoing the email keep XXXX up for me to transfer the money. Right after realizing the duplicate account I called and emailed PenFed. I got a replied that they will process in 2-3 business days. I emailed again after 11 days passed, they sent me a reply to send a proof from my XXXX XXXX XXXX  that Penfed withdrew my money XXXX XXXX. It is weird since in my PenFed account it shows the duplicate CD account with $ XXXX each. 

I sent four attachments did not work out. I sent another two and they promised that they will take care of it ASAP and asked me to call 3-4 hours after on Tuesday, XX/XX/XXXX. I called, now they asked me to send a formal letter requesting my XXXX the duplicate deposit with my signatures??? 

I repeatedly told them that I am underwater, I am just a teacher that got paid once a month, that I have had an insuffficient notice from the credit card I paid to, and I need a positive cash flow RIGHT NOW to financially survived. It is frustrating and need a big help from a small people int he society. 

Thanks!
Product: Debt collection

I contacted transunion to remove an account that is showing up that I do not own. I was informed the account was opened XX/XX/2021. The open balance is XXXX. I attempted to call the collection account as well to get more information and they could not provide me anything.
Product: Payday loan, title loan, or personal loan

I applied for and was approved for a {$5000.00} personal loan from SoFi Bank on XX/XX/2022 ( SoFi Loan number : # XXXX ). The personal loan funds of {$5000.00} were sent from SoFi to my external checking account on XX/XX/2022. SoFi was running a promotional bonus offer to receive {$590.00} for applying for and being approved for a personal loan, during the time that I applied and was approved for my specific personal loan. 

I live chatted with a SoFi representative online in late XX/XX/2022 to inquire on the status of my {$590.00} promotional bonus amount, as it had not yet been credited to me. The representative explained that the bonus would typically be deposited to a SoFi Money account, however I informed the representative that I attempted to apply for a SoFi Money account the day before, but was denied. The representative then explained that as an alternative, I could sign a Form XXXX and provide the XXXX details of XXXX of my external checking accounts, in order to receive the {$590.00} bonus to my external account. While still connected to this representative on the live chat, I navigated to the section of SoFi 's website that the representative guided me to, where I electronically signed/dated the Form XXXX and entered the account and routing number of my XXXX XXXX checking account XXXX I was then told by the representative I would receive the {$590.00} bonus within XXXX days of when my loan was approved/funded. 

On XX/XX/2022, which was XXXX days elapsed from the time of my personal loan being funded back on XX/XX/2022, I still had not received the {$590.00} bonus to my external XXXX XXXX checking account. Therefore, I chatted with SoFi once again on XX/XX/2022 to inquire on the status of my {$590.00} bonus funds. The representative did not provide any helpful information as to why my bonus had not been paid out to me- considering that I met the requirements of the offer in terms of applying for and being approved for a personal loan, and having signed the necessary XXXX and provided my external account details for XXXX. The representative told me that opened a ticket for me ( Ticket number : XXXX ) and that the relevant team would look into the matter of crediting my bonus to me within the next couple days. 

Now, it is currently XX/XX/2022, and I have not received any update from SoFi on my open ticket number, and I still have not received the {$590.00} bonus to my external checking account as part of this promotional offer that I took part in, and it is well past the XXXX day mark that SoFi informed me I would have received this bonus by. 

Therefore, I am filing this complaint to formally request that SoFi honor the {$590.00} bonus be paid out to me as per the offer I engaged in and fulfilled all requirements from my end.
Product: Mortgage

In XX/XX/2020 I submitted an application to refinance my house located in XXXX XXXX XXXX, XXXX, XXXX to XXXX XXXX Homespire Mortgage Personal Loan Consultant | NMLS # XXXX She ask me to send all support documents including tax returns, bank statement, financial statements..etc, which I sent immediately. 
XXXX reach out to me, she inform me that my application is pre approved for interest rate of % 2.25 For 15 year fixed. 
She told me the underwriter will reach to me for a final closing day. 
No one reach to me, I kept reaching to XXXX in weekly basis and she kept telling me that underwriter is backed up and wont give me a closing date. 
In XX/XX/2020 I reach to her again and told her that I need to close before the end of XXXX before the increase of the interest rate for refinance applied in XXXX. 
She assured me that my rate is locked and honored and that increase wont apply on my refinance. 
I Kept reaching out to her in a weekly basis and she kept telling me that the underwriter almost getting to my application. 
On XX/XX/2020 I reach to her to check the status and that what was her response : Im sorry I couldnt answer just now Im on the other line.The underwriter just got back to us late last night but has suspended the loan due to a debt to income issue with the file. 
Also during the application process she tried to push me to sign application with false info and I refused to do so and kept pressuring me to sign that loan application with false info and I told her this is fraud and I wont sign this application until all this info are corrected.
Product: Debt collection

I received a text message from IC System claiming they were trying to collect a debt from XXXX on an account for a condo in Florida. My account is fully paid up and I dont owe any money on it.
Product: Credit card

I was applied and approved for a Capital One Platinum MasterCard. I received the card in the mail to my residence of over 21 years. When I called Capital One to activate my new card, I was informed that my account was flagged for possible fraud. I was transferred to a fraud specialist who told me I needed to send them a copy of Drivers License and provided me with an email to attach the copy. He assured me that someone would call me within 5 business days after the receive my documents. After about a week, I called to follow up and was told that I needed be patient as the account was still under review. I waited an additional 2 weeks to call again. This time I was told that they needed a copy of my ID ( front and back ) and I had to submit a new copy to them. I reviewed the original email they sent and it did not specify front and back copy of my id was needed. The rep I spoke to agreed that it was n't on the email and he apologized. I went ahead and sent them a new copy of my Driver 's License front and back this time along with a copy of my passport. Again I was assured that someone would call me back in about 3 to 5 business days. After about a week I called in and of course I was told that my account was still under review and to give it a few more days. I gave it another week and this time when I called in, I was placed on hold after I explained my situation to the rep XXXX who said he was in Florida. It was then that I was told that in addition to my drivers license copy, they also needed proof of residency and that I needed to send them a copy of a utility bill. I informed XXXX that I was never asked to send in proof of residency and that the email they sent me only requested a copy of my Driver 's license and the new email was n't very clear as to them needing a front and back copy. I even took it one step further and provided a copy of my passport. It seems that no matter what I do to, it will not be enough as every time I send in what is asked of me, Capitol One will change the requirement, miss-inform me and delay the activation of my account. XXXX claim to be a supervisor and would not transfer me to anyone else who could resolve my issue. 

I see several complaints from other consumers in the last 5 years over the same issue. Iam going t talk to my attorney to see about filing a class action lawsuit against capitol one. 

I am also going to file a complaint with who ever is in charge of regulating the credit card/banking industry. This is very frustrating and has to be resolved.
Product: Vehicle loan or lease

My car lease was scheduled to end originally in XX/XX/XXXX, but I requested and was granted a 6 month extension at that time, extending the end of the lease until XX/XX/XXXX. 
In XX/XX/XXXX, I was under stay at home orders and in lockdown due to rioting and looting in XXXX XXXX. No Dealerships were open or taking lease end cars in at that time. I had no where to return my vehicle. I contacted XXXXXXXX XXXX XXXX  to ask what to do. They issued a deferrment, which deferred my lease payments. I was under the belief that it was another extension, so I continued to make my car payments as usual. I also continued to receive statements from XXXX XXXX XXXX showing me how great I was doing with my payments and no action was required by me at that time. As such, I believed the matter non urgent as long as I continued to pay. I was dealing with a personal health crisis with my dog all summer long, in and out of vet emergency hospitals, so I didnt have the luxury of car shopping. 
I continued my payments through XXXX and XXXX, and also communicated to the company I was going to look into another lease from them, or possible purchase the car. There did not seem to be any issue with this arrangement. With dealerships not accepting cars, why didn't Chase arrange to pick up my car if they wanted it back? My payments were pre-paid through XXXX of XXXX. In XX/XX/XXXX, Chase charged off my lease. It hit my credit for 150 points and made it impossible to get a loan to purchase the car, or any car. They ruined my handyman business by repossessing the car in XX/XX/XXXX. I had no way to work without my car to carry my tools. 
I had a stellar record with this company for my previous 2 XXXX purchases ; with this action, even though there was open communication with them, took the route to actively destroy my credit, while I was 100 % current with my payments. 
I am attaching copies of my payment history at 98 %, and the statements from chase AFTER my lease was supposed to be up, showing no problems or issues. And a sign from the dealership stating no returns would be accepted.
Product: Money transfer, virtual currency, or money service

I am writing because Im upset how Zelle and XXXX  have been handling disputes. I have been informed both platforms are having issues when it comes to helping their customers out in instances like this. Both Zelle and XXXX  have failed to investigate my disputes throughly and it upsets me because it has been a lot of money ive lost. They have told me there was nothing i could do and could not give me my funds. This makes people scam other people easily and it scares me it will happen again. I seen in the cfpbs findings various persons have had the same issue
Product: Debt collection

I have received solicitations/harassment over the span of about three ( 3 ) months from iQuantified Management Services ( hereinafter " company '' ) .These forms of solicitation/harassment were in the forms of phone calls, voicemails, and text messages. I spoke with someone on the phone and informed them I had no dealings with the company. I asked how they obtained my personal information to contact me and the man apologized and hung up. I continued to receive unwanted contact in which I began keeping a log starting on XX/XX/2023 at XXXX. I kept this log of every time and form of contact they made with me from that day. As the harassment continued, I sent the company a NON-NEGOTIABLE NOTICE OF CEASE AND DESIST on XX/XX/2023 as I could not take the harassment and disruption anymore. I exercised my federally protected consumer rights and gave the company a plain and clear notice to cease and desist. In my notice, I plainly and clearly stated my terms and conditions if they violated my rights further. The company received my notice on XX/XX/2023 and was signed for by XXXX XXXX at XXXX. The company then violated my rights and failed to honor my notice of cease and desist on two ( 2 ) occasions, tacitly agreeing to my terms and conditions. These additional violations were XX/XX/2023 at XXXX, and XX/XX/2023 at XXXX. Again, I have nor have I ever had any dealings with this company. This appears to be a sign of identity theft due to the unauthorized use of my personal information and without my consent. I then sent out a NON-NEGOTIABLE NOTICE OF DEFAULT IN DISHONOR AND ESTOPPEL mailed on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. Followed by a NON-NEGOTIABLE NOTICE OF DEFAULT IN DISHONOR AND OPPORTUNITY TO CURE mailed on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. Mail was sent Certified Mail with return receipt. I can provide that information or copies if needed. All notices were notarized before they were mailed as well. In my terms and conditions I stated simply that I seek compensation for the violations of my consumer rights, unauthorized use of my personal information, harassment and unauthorized solicitation, aggravation and distress, and disruption of my life. I have yet to see remedy. I feel I have been generous with my time and patience to the point where it has run thin. I DEMAND REMEDY IMMEDIATELY from iQuantified Management Services.
Product: Credit reporting or other personal consumer reports

I am requesting Old address inaccurate address be removed from my credit report and updated to this current address. 

XXXX XXXX XXXX XXXX XXXX XXXX Furthermore ...... 


I am writing to formally request a thorough reinvestigation into the inaccurate accounts on my consumer credit report. I have identified several erroneous instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is a violation of federal regulations and a breach of consumer trust. 

Additionally, you are in violation of the Privacy Act of 1974, as I was not given an opt-out notice as required by 12 CFR 1016.4, which mandates initial privacy notices to consumers. 

I insist on strict compliance with XXXX XXXX reporting requirements. Therefore, I request irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a XXXX XXXX XXXX ( XXXX ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter.