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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted information on a auto loan that I had with XXXX. They repossessed the car and updated my XXXX credit reports with derogtory status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on XXXX and DEROGATORY on TRANSUNION AND XXXX. 

TransUnion XXXX XXXX TransUnion XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Equifax was recently compromised on the XXXX XXXX XXXX, 2017, I verified via their online tool that I am affected by the security breach that was published on the XXXX XXXX XXXX 2017. 
I 'm filing this complaint against them since ... my most important information was compromised by their lack of security. 
I 've placed a 90 day fraud alert with them, and will likely have to freeze my credit long term as a result. 
They, above all others, should not have allowed this to happen.
Product: Checking or savings account

I attempted to open a Certificate of Deposit account online with Citibank XX/XX/XXXX in the amount of {$50000.00}. The funds were never taken from the originating account, a non-Citibank account. The account was closed and I was not able to access what transpired online as it was a closed account. I called Citibank in late XXXX of XXXX and was told the CD did not fund. I considered this the end of this transaction. 

In late XXXX of XXXX, I received an IRS form 1099-INT in the mail showing I had interest reported on this account for XXXX in the amount of {$26.00} to the IRS. I did not receive this interest. 

I called Citibank in early XXXX of XXXX and asked for the form 1099-INT to be reversed as the account was closed without funding and I did not receive this interest payment noted on the 1099-INT. I was told to write a letter requesting this and send to Citibank, which I did on XX/XX/XXXX and sent certified via United States Postal service, return receipt electronic. The USPS report as of XX/XX/XXXX states they were unable to locate any delivery information in their records for my item. 

No corrected 1099-INT form was received as of XX/XX/XXXX. I called Citibank and spoke to a supervisor named XXXX. He stated the CD was issued, the funding bank requested the funds back and the CD was closed on XX/XX/XXXX. He created a case number and requested a Transaction Activity report. He can not tell us how or who the interest was paid to that is the amount on the form 1099-INT and stated he would work with the back office to see if a check was issued and has cleared. He was to call me back on XX/XX/XXXX. I did not receive a callback. 
I received the Transaction Activity report noted above dated XX/XX/XXXX via email on XX/XX/XXXX and subsequently via the US Mail in early XXXX of XXXX. 
On XX/XX/XXXX, I called Citibank. I was not able to speak with XXXX but spoke to a representative named XXXX and left a message for XXXX to call me back. No callback was received. 
On XX/XX/XXXX, I called Citibank again, was given to a supervisor named XXXX. She stated she would be creating a new case number to have the 1099-INT reversed as she stated she can not see in their system that a check was ever issued for the interest in the amount of {$26.00}. She requested this be expedited and could give me no specific time frame. 
I waited until XX/XX/XXXX ( three months ) and no corrected 1099-INT form or a check for {$26.00} has been issued to me. I called Citibank and spoke to a supervisor named XXXX. I again explained the circumstances and gave the case # 's given to me previously. She stated she would send an email to the research team to expedite work on this case/s. She was to call me back on XX/XX/XXXX at XXXX XXXX Arizona time ( MST ). No callback was received and I am now filing this complaint against Citibank.
Product: Mortgage

Re case # XXXX/XXXX : I have been informed by CFPB that Wells Fargo Mortgage has requested another extension to address my complaint. This CFPB is totally unacceptable and inconsistent with your mandate to protect the consumer from mortgage related fraud. I have for the past three years asked Wells Fargo Mortgage to disclose, as required in any mortgage closing, the reason for attaching an amount of {$7800.00} to my modification. As you can see from my many complaints filed with CFPB this major mortgage lender -- who has been fined by the federal government for mortgage abuses -- continually stonewalls my and now your attempts to get the bare minimum disclosure on what an " unpaid principal balance '' is and what charges are contained in the amount. It was never explained, as I have noted several times to you and WFM, and now, again, they have requested an extension to " research '' the charge. If it is not readily available in their loan documents, and more important they ca n't explain what it is, then they should remove it from my statement and confirm with CFPB that this sort of activity is not a normal process in other modified mortgages nationwide. It is a serious issue when one of the largest lenders in the country ca n't disclose, explain or locate documents related to consumer mortgage modifications/refinancings. They likely utilized my mortgage under the omnibus federal settlement as an example of " keeping a qualified homeowner '' in their homes under HAMP. Enough is enough CFPB. Please require an immediate resolution to my complaint or fine Wells Fargo Mortgage for their continuing delay in responding to a very simple legal mortgage closing requirement. Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2018 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further XXXX their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 u.s.c. 1681. 
Account Name ... .... XXXX XXXX XXXX .... Account # XXXX .... Account Name ... XXXX XXXX.. Account Name .... XXXX XXXX XXXX XXXX 
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 reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has Reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

midland funding. i kept disputing this because the information and the date that was open and i never had no midland funding never applied and never heard of it. i was not even around when it got open.
Product: Mortgage

Around XX/XX/2023, my loan transferred to Shellpoint. I was on a forbearance plan prior with my previous lender servicer. New lending company acquired information during our phone call exchange around early XX/XX/2023 in terms of forbearance. Representative said that I didn't follow up with questions afterwards a week after to our first phone call and ding me that I was no on the forbearance plan and has impacted my credit and my co-borrower 's credit. I was told if this can be immediately repaired and fixed and was told no, I asked to speak to a manager immediately and was told management approved the fix however I am seeing my credit has dropped tremendously. Forbearance shouldn't impact my or my co-borrower 's credit based on the XXXX XXXX guidelines.
Product: Student loan

XXXX Payoff payment in amount of XXXX sent to XXXX, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
This payment was sent to wrong address, This was a Navient Account. 
My credit union internal investigation said XXXX processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to Navient. 
XXXX XXXX from Navient states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. XXXX weeks. 
XXXX No refund has of today. 
Unable to make contact with US Treasury, live person not available. 
Recontacted XXXX, no account info. Recontacted Navient, gave me a consumer advocate number, XXXX, waiting for return call. 

XXXX XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Collection Removal Statement I am writing to file a formal complaint regarding a collection account that has been improperly reported on my credit report by Spring oaks, XXXX XXXX XXXX  without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 1.

Spring oaks capital, XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

flagrantly disregarding consumer protection statutes. I did not receive any notice from Spring oaks capital or XXXX XXXX XXXX providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress.

I kindly request that the CFPB investigate this matter, as I believe this collection was reported without following the proper legal procedures.

Additionally, I request that spring oaks capital and XXXX XXXX XXXX remove this account from my credit report and cease all collection efforts immediately. I have received the detailed report from XXXX from above creditors, but the information is incorrect and I do not see any signatures from myself the owner of the credit report.

Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report hoping to see it just the way it is, but I was met with disappointment because of the inaccurate accounts that are reporting there. I don't have any idea why they're on my credit report nor have I authorized those inaccurate accounts to be on my file. I am kindly asking you to please check the documents I've sent so that this thing will never happen again to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly implore you to take immediate action and eliminate these fraudulent accounts from my credit report without any delay. I want to emphasize that I did not authorize or initiate these accounts
Product: Debt collection

This company repeatedly reported unverified, in accurate, incomplete information to Credit reporting agencies, causing damage to my credit score.
Product: Debt collection

My personal belongings and vehicle were stolen from  XXXX =My locker was broken into which the police said it was probably an inside job=they would not let me see the camera 's to see who got into my car=several people has articles stolen different day.s. I owe {$23.00} for  7 mo . as this happened on  XXXX ,  XXXX  which I lost {$3000.00} on my car plus another to get another one- I talked to them-filed a police report and now they asking for {$300.00} and some dollars. Way above what I owe. I think they are targeting senior citizen as now I 'm afraid to go there and they wo n't. cancel the contract.
Product: Checking or savings account

I, XXXX XXXX XXXX received the XXXX XXXX loan back in XXXX of XXXX for the amount of {$19000.00}. The funds were disbursed in my Capital One business bank checking account. I have used that money but by XXXX of XXXX Capital One froze my account. I called customer care at that time asking for the reason behind this. I was told by a few different customer service representatives through the phone very different answers. The one answer that stood out the most was that they were not allowed to discuss that over the phone. Also they would always say that they will get back to me. I have even asked that they provide me a letter in writing stating why my checking account was frozen but the phone representatives refused. Between then and now I never received an email, letter or a phone call regarding my frozen bank account by Capital One. I have about {$4500.00} in that account and need to retrieve that money. This money was given to me by the federal government because of the financial losses my business has and continues to experience due to the CV19 lockdown. I find it insulting that my ability to access my funds were frozen by Capital One bank. It is even more disrespectful that they are not giving me a good reason. I kindly ask that I be assisted in retrieving my money back from Capital One bank as soon as possible. Thanks.
Product: Debt collection

XX/XX/XXXX XXXX, XXXX Kimball , Tirey & St. John LLP, in co-operation with The XXXX XXXX XXXX XXXX reported to XXXX  a debt that was discharged in XXXX due to a bankruptcy filing. XXXX, XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX transmitted an electronic email to me ( XXXX XXXX XXXX the email stated the reason ( s ) why our recent rental application ( s ) were denied by The XXXX XXXX XXXX XXXX XXXX XXXX  has since reported this alleged debt and it has caused significant damage to our credit worthiness.
Product: Vehicle loan or lease

In XX/XX/2018 I contacted Prestige Financial to surrender my vehicle due financial hardship after and accident. Prestige picked up the vehicle and after taking possession of the vehicle they did not send me any notice of intent to resale the vehicle nor did they send me and updated balance after the vehicle was sold the Reported the original balance as a charge off collection and has been adding interest to it. I have filed disputes and the company has not supplied and proof of the resale nor balance after the resale and continues to report the information incorrectly as well as garnishing my pay. 

I have asked all three major credit agencies to remove the inaccurate data from my report however they fail to do so. 
.
Product: Mortgage

In 2022 XXXX initiated streamline refinancing to be able to drop off my P. M I on my original loan. I already had a XXXX finance rate. The company encourage me to refi at a XXXX point XXXX finance rate because p m XXXX within XXXX years we'd be dropped off. That is the only reason why I refi doing the streamline ability. My house now has plenty of equity. And I called today today to inquire about dropping off the pmi, and what the date was and was told that it will never happen. I never would have refi, knowing it would never drop off. I practically gave money away.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I
Product: Credit card or prepaid card

I am getting constant, sometimes twice weekly in the mail, offers of Chase ink Business Preferred Visa card. I am on the permanent list to not get credit card offers plus I have call them stating I am not a business nor do I have a business. I have called a second time simply stating nicely I do not want, nor would I ever ever apply for their card. I feel harassed by Chase. Please make them stop sending the XXXX offers.