23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am a US Bank customer I was applying for a personal loan, personal line of credit, and for some reason I keep getting denied for the pre-screening process after the pre-screening process the next step is to do a credit check, which involves hard inquiry and I have not been through that yet because the pre-screening wont allow me to pass giving me a denial letter that says insufficient funds or overdraft on the account, I spoke with loan consultants XXXX XXXX customer relations and bankers of all management levels and no one can help me. No one has no resolution or even heard of the situation that Im trying to explain that I am showing that US bank system is being misled by information that is false which would be considered an error. I wonder how many people this has happened to trying to get a loan I know I meet the loan requirements after pre-screening as far as income, credit, history and all that etc. Ive spoken with XXXX people within a day and a half with a total of XXXX minute phone call for the first day which was XXXX people and then I spoke with XXXX people the next day with the same concerns and it just goes in circles, I understand if my credit was being checked and was being considered for funding but I cant make it past pre-screening. I need to speak with a US Bank official that has authorization to look into accounts and speak to me about these concerns that I have because no one else in any department that US Bank offers has that ability or even knowledge to what Im trying to tell them they wasnt even familiar with the bank state code for Ohio 1611 and I was trying to explain that as well instead I get hung up on phone and tossed around to different people that dont understand why Im calling and where was I transferred from no communication at all very unprofessional Im not understanding how these people get paid so much money to look over citizens accounts and they have no care in their job or knowledge to help them make their job easier its just unprofessional and makes no sense. I just have a little concerned that I want looked at because I feel like its a small error thats happening from the system. It would be nice to speak with someone from corporate or human resources, or some type of corporate department in person to either explain, or go through what Im going through with me. Ive had a banker and a manager hang up on me at a XXXX center location which is inside the XXXX grocery store off of XXXX and the managers name is XXXX and the other guys name was XXXX both as unprofessional they both hung up on me twice disconnected the phone call which let me to call back and try to resolve the situation and it did not work. They were still frustrated and took their personal emotions out on me while they are working and Ive never met these people or seen them in person and this is how they treat people who call in about their own bank I cant keep doing this I need help please Im just trying to use a Service that my bank offered.
Product: Credit reporting or other personal consumer reports

i sent a better to trans union XXXX months ago disputing inaccurate information on my credit and they sent me a letter back saying to send proof of my identification i did that, then proceeded on with my dispute letter and they sent me a letter back stating they cant verify my information and i dont understand why there not comply with the law and the rules when it come to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written XXXX, XXXX  and Experian, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX  ). 

I have sent four ( 4 ) requests to XXXX, XXXX  and Experian to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$750.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX  XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXXXXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXXXXXX XX/XX/XXXX {$3600.00} XXXX XXXX  XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XX/XX/XXXX {$830.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I was helping my friend transport his furniture to his new home. At exactly XXXX, i received XXXX separate emails notifying me that I have sent XXXX separate accounts amounting in the total amount of XXXX cents ( XXXX cent each ). I was suddenly perplexed because i have not used my Chime account for approximately 2 years. I had initially downloaded it to see if i could get a small payday advance through them and linked my other bank account so they could see if i qualify based on my transaction history! 
Upon trying to log into my chime account and trouble shooting, it quickly asked me if " XXXX '' was still my phone number. Knowing that my phone number is XXXX, i suddenlv understood that someone hacked mv account and changed my phone number so thev could gain access to mv account I then called Chime Customer Support and spoke to them for over 1 hour while trying to file a claim, we finally successfully logged into my account and updated my credentials, only to find out that {$320.00} was sent out to a person named " XXXX. '' Chime Customer support started a claim in which was deemed unsuccessful. Even after providing documents and official screenshots from XXXX XXXX XXXX showing that I have only had the same number for 12 years which outlasts the longevity of how long ive had a Chime account for. 
After further investigating online, I find that many other people in my shoes filed police reports and with the XXXX and CFPB and received their money back after finally rebutting Chime Claims, which is whv i am taking the time to write this report out to vou all
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Had a car loan on a leased car with GM Financial. This 36 and last payment was due on XX/XX/XXXX. GMF did not take out my last payment from my bank account t. Although GMF did the previous 35 months. I wasn't notified on this change until a month later. Last payment was promptly paid the first of XXXX. My CR rating went from XXXX to XXXX. 
XXXX XXXX BD XX/XX/XXXX, last 4 digest of SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax several times before XXXX XXXX. I explained to them how they needed to verify the items that was on my report. Once a FTC letter was carefully reviewed they removed THREE items on my report. They failed to send me documentation that items were removed 1 : Bankruptcy # XXXX XXXX : XXXX XXXX # XXXX 3 : XXXX XXXX. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from Equifax 's gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Date XXXX Balance Owed : {$460.00}, XXXX OF XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00}, U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, U S DEPT OF ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$460.00} XXXX U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DP OF XXXX XXXX Date Opened:07/01/2015 Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that you Fed Loan Servicing are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXX, XXXX XXXX I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. Fed Loan servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information.

See below on the 11 accounts that need to be deleted off my credit report immediately 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: Debt collection

My medical debt from XX/XX/XXXX was acquired by another agency who is misrepresenting the date of the debt. It had been removed from my report in XX/XX/XXXX, because it's a NJ debt, but reappeared on my report by the new agency. They had the date of service as of XX/XX/XXXX, instead of the original date. I filed a dispute with XXXX, but the outcome was that the debt was listed as XX/XX/XXXX, the date they obtained the debt, once again not the original date. Since the debt is 6 years old, this company should not be able to post this once again on my report.
Product: Money transfer, virtual currency, or money service

I've tried multiple times to make a purchase from an online merchant store. Every time the payment is made via the PayPal option listed on the stores website, it is rejected. PayPal put it as pending. And then they reverse it without the payment going through and I can not complete my order. I try to figure out why this is happening on the paypal website and it's not helpful. I don't know what is wrong or how to fix it as paypal will not give me this information.
Product: Debt collection

I am XXXX year old struggling to make a living during this pandemic period. My sole current income is Social Security {$450.00} I do not even qualify to file an income tax return. I have no idea as to why Bank of America is running after me to collect a wrongful credit card Judgement for {$19000.00} Bank of America - Plaintiff vs XXXX XXXX Pro Se - Defendant. Attorney for Plaintiff XXXX XXXX from the Law Firm XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - NY XXXX. Bank of America won credit card debt Judgement {$19000.00} on XX/XX/XXXX - XXXX in the Supreme Court of the State of New York - XXXX County Index no. XXXX XXXX Defendant filed Stay of Motion Pro Se on XX/XX/XXXX - XXXX for following reasons : 1 )  Defendant was denied the opportunity to retain legal counsel. 2 ) Plaintiff was awarded Judgement even though they failed to validate the credit card debt. Plaintiff failed to produce the credit card agreement dated XX/XX/XXXX - XXXX. Plaintiff attorney told XXXX XXXX XXXX XXXX in a Court hearing on XX/XX/XXXX - XXXX that the said credit card agreement was not available. 3 ) Plaintiff handed the Court as exhibit 3 incomplete documents of said credit card debt thereby making it impossible to validate the claim of {$19000.00} In fact credit card statements of several months and periods were missing and was not included in exhibit 3 that was presented as evidence to the Court. 4 ) Defendant has no knowledge of the credit card purchases and Plaintiff did not present the Court evidence that Defendant paid for the credit card purchases. 5 ) Defendant was railroaded because case was handled Pro XXXX. XXXX XXXX XXXX us assume XXXX has a case. This credit card dates from XX/XX/XXXX - XXXX up to XX/XX/XXXX. A period of 15 years. Plaintiff has in fact come out whole by charging very high interest rates and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion which uses a company LCI has put fraudulent information on my credit profile. 
I have filed an identity report FTC. and asked both companies to remove this information from credit profile.
Product: Credit card or prepaid card

Transactions are " parked '' in " pending '' to extract unauthorized interest. The intentional delay constitutes fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, after mailing several dispute letters that went unanswered, I initiated a dispute process for several charges that were made to my Navy Federal Credit Union Credit card. The charges totaled {$3300.00} and were for merchandise ( XXXX in-game credits and virtual currency ) that was never received. I received a letter from Navy Federal several days letter stating there was no billing error and I would be responsible for the charges. 

I then contacted a Navy Federal customer service rep on XX/XX/XXXX who requested I provide additional information  regarding my dispute. As requested, that same day I submitted to Navy Federal a copy email correspondence between myself and itunes and screenshots showing the merchandise was never received. 

On XX/XX/XXXX Navy Federal sent me a letter again denying my dispute in direct conflict with the FTC 's Mail, Internet, or Telephone Order Merchandise Rule. I attempted to contact the person in charge of my dispute, XXXX XXXX, as well as her supervisor and was told both are " unavailable ''. I left a voicemail for XXXX XXXX, but have not received a returned call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account in my XXXX  credit report. I filed FTC Identity theft report and police report with XXXX XXXX Police Department regarding Discover Financial Services account as a fraudulent account and submitted these documents to the Discover bank and credit reporting agencies. They deleted this account from my credit report, but recently XXXX  credit reporting agency reinserted XXXX XXXX XXXX account ( acc no : XXXX ) back to my credit report. I contacted with them but they refused to delete fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following accounts be updated. I have tried to reach out to XXXX  regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX  accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

I recently disputed with all XXXX bureaus this fraudulent XXXX XXXX account that was opened in XX/XX/year> that I recently discovered and shows XXXX different balances of {$5300.00} and {$4300.00} which does not belong to me. This account was removed from my all XXXX bureaus and then re-added to my Transunion Report. I have submitted my Identity Theft Report to all bureaus and this should not have been re-added to my report as this violates my rights under the FDCPA. This account is not proven to belong to me and in fact does not.
Product: Mortgage

Refinance complaint against Amersave. 

Data : Loan # XXXX, XXXX XXXX XXXX Customer : XXXX XXXX XXXX, XXXX Agents : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX Issue : I was asked to pay for a appraisal to complete the loan process with a preferred rate. All other documents have been received and process. The lender indicated that the Appraisal has been completed for 15 days but they do not have access to report. I asked if I could have the name of the appraisal company that I paid for? The rep said no. I asked why? no response. I asked if their was a reason for the delay other than waiting until the rates go up? they said that would not happen. I asked them how to lock the rate? No one would answer the question. 

I am asking them specifically to provide the information on the company that completed the appraisal that I paid for. Am I allowed to have this information to verify for myself why the report is delayed.
Product: Credit reporting

This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.