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

Earlier this afternoon and after deciding to purchase a new XXXX XXXX truck after having an opportunity to experience the new unit my son purchased just last week, I proceeded to apply online with Chrysler Capital directly in order to take advantage of the manufacturer 's 0 % interest for 72 month with 90 day free payment offer which expires at the end of the day today. Unfortunately shortly after applying, I received a denial email yet after contacting Chrysler Capital to inquire why my application was denied as to understand the reason for it since my credit history and score are both excellent ; I was told that Chrysler Capital although they take online consumer applications they will not discuss these directly with the applicant and have referred me to a local dealer which as part of this manufacturer 's application process they force you to select even though you might not be purchasing the vehicle from them. That said and as a consumer, not only do I have the right to know directly from who is processing my application why it is being denied instead of having to contact one of their local dealers who is asking me to submit another loan application so they can present it to an undisclosed number of lenders which will end up damaging my credit history and score. Not only is this unacceptable but I believe it is an unfair business practice should be investigated. I appreciate your consideration to this request and look forward to hearing from you soon. Thank you...
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER UNITED MORTGAGE CORP, THEY REQUESTED DOCUMENTATION ON XX/XX/18 AND I SENT THE REQUESTED DOCUMENTS ON XX/XX/18. I CONFIRMED THAT DOCUMENTS WERE RECEIVED ON XX/XX/18 AND NO DOCUMENTS WERE BEING REQUESTED AT THAT TIME. I CALLED IN TODAY XX/XX/18 AND I WAS INFORMED THAT THEY REQUESTED DOCUMENTS ON XX/XX/18 AND BECAUSE THEY DIDN'T RECEIVE THE DOCUMENTS WITHIN MOMENTS OF HAVING RECEIVED THE DOCUMENTS THEY CLOSED THE FILE ON XX/XX/18. THIS IS OUTRAGEOUS!! I TRIED TO SPEAK TO A SUPERVISOR AND I WAS TOLD THAT THE SUPERVISOR WAS NOT AVAILABLE, HOWEVER THEY WERE AVAILABLE TO SPEAK TO THE REPRESENTATIVE THAT I WAS SPEAKING AND INFORMED HER THAT IT IS COMPANY POLICY TO KEEP THE FILE FOR A PERIOD OF TIME AND IF DOCUMENTS ARE NOT RECEIVED THAN THEY WILL CLOSE FILE. WELL LOOKS LIKE THE SUPERVISOR HAD TIME TO GO OVER COMPANY POLICY BUT NOT TIME TO GET ON THE PHONE TO BE A SUPERVISOR. THIS POLICY MAKES NO SENSE AS I ASKED THE LADY I SPEAKING WITH HOW DOES THAT MAKE SENSE DUE TO WHEN I FAX YOU DOCUMENTS YOU TELL ME THAT IT TAKES 48 TO 72 HOURS TO UPLOAD SO BY YOUR COMPANY STANDARDS YOU WILL CLOSE EVERY FILE ON EVERY REQUEST. THE LADY SAID ALL I DO IS READ THE NOTES I AM NOT THE PROCESSOR, PROCESSOR OR NOT THIS POLICY IS A JOKE AND NOT WITHIN FEDERAL GUIDELINES. I HAVE AN FHA LOAN AND THEY ARE DEFINITELY NOT ABIDING BY THOSE GUIDELINES EITHER.
Product: Credit card or prepaid card

I am on the lifetime opt out of credit card advertising and capital one. The company sending the advertising is Capital One, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have also called them by phone to see why they are in violation of the law about sending me offers no answer given just " Sorry '' Blatant disregard for the law. These offers need to stop from them and all the other credit card companies such as XXXX XXXX and XXXX have also sent me offer and Yes I have called them to ask the same question. I have been on the list for two month know " Why are they breaking the LAW? Why is the List not WORKING? Why are you NOT ENFORCING COMPLIANCE?
Product: Checking or savings account

I have my Texas workforce unemployment funds deposited Usbank reliacard account. For over a month now they have blocked my account. They never informed this block was going to take place. I have called just about every day 3 times a day tryingvto get this resolved. They said i need to fax in my driver license. Tax return from 20190. And social security card. I have faxed and uploaded the ids. They have noted each time. They have received it and said its still inactive w no reason why they denied the access still. They said there was fraud on my account which in that case why didnt they reissue another debit card or replacement card or give me a chance to withdraw the funds or transfer into another bank account. They have refused to help me resolve this issue and at one point told me it doesnt matter
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was opened in my name on XX/XX/2019 by XXXX XXXX XXXX XXXX with a current balance of {$7700.00} 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. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

Company thats reporting incorrect information : Security credit services securitycreditservicesllcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contacted dates XX/XX/2024 XXXX The lady hung up on me after being rude and telling me she hears these complaints all day. 

XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called I already sent letters explaining being a identity victim
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Captial sold my information to XXXX without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. 

We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.
Product: Credit reporting, credit repair services, 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. 
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 XXXXXXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 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 or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In accordance with the XXXX District Court of XXXX XXXX, MI dated XX/XX/2017.
Please send me a list of all the Class action court orders against Discover along with the amount that you were ordered to pay all cardholders. This needs to include all Federal, state and local court orders! Send it to XXXX XXXX XXXX, XXXX, MI XXXX Thanks XXXX XXXX XXXX I have sent Discover and their lawyers this letter 3 times with no reply
Product: Mortgage

As a participant in the PACE program with Renew Financial, the FHA mortgage held does not qualify for the FHA streamline program due to the policy of Renew Financial not subornating the lean place on the property. Upon speaking with Renew financial, they state the company " will collect the money no matter what as it is a tax assessment, however we will never subordinate because it is just our policy. '' Why does a government partnered program prevent individuals holding FHA loans, meant to provide financial stability, from obtaining financial benefits through FHA programs by holding policies that contradict the FHA requirements to participate.
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 USC 1681. 
Account name : Account name : 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  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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.
Product: Debt collection

Aspen National collection agency I called the company on XXXX XXXX about this debt of {$1900.00} and they told us the debt was not paid but I emailed on XXXX XXXX them proof that this debt with vacation village was resolved and that we no longer had this property. We had this dispute but they keep adding fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $
Product: Mortgage

Dispute to  XXXX    The terms proposed by Ocwen/ XXXX  are unacceptable and do not reflect the current market. Per my original CFPB complaint  XXXX , they also do not align with the policies and procedures as setforth by Dodd-Frank Wall  Street  Reform and the Consumer Protection Act. This is absolutely ridiculous that  XXXX  would wait this long ( since   XXXXXXX   ) to give the same offer ( {$40000.00}  Cash  Contribution or {$80000.00} promissory note ) and we up the sale price by {$22000.00}. Our counter offer needs to be discussed ASAP as we have a ratified contract and a buyer that has been patiently waiting. Can you setup a conference call with Ocwen/ XXXX , preferably with someone who has the authority to approve our counter offer on the spot? Do you have any suggestions how we can escalate this matter? What are our other options? I ca n't see how foreclosure would give Ocwen and   XXXX   a better deal. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : -XXXXXXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''
Product: Debt collection

I have been recently been going over my credit report and finding things that do not belong to me. I just recently started checking my reports because my info was compromised in the XXXX  data breach. Every time I have sent out for this company to send me proof this is my account by sending me any contracts or agreements they have bearing my signature they send me an old bill from the original creditor stating this is there proof to validate my account being mine. I haven't gotten anywhere with XX/XX/XXXXhaving them get me the proof validating the account to be mine, XX/XX/XXXXcontiues to say the account is mine. If there getting the same " validation paperwork '' to prove the account is mine then they are reporting bad and wrong information about me on my credit report. I started sending out the disputes to this company since XX/XX/XXXX I would like you to see into this for me, I want to see a contract bearing my signature or delete it please.
Product: Checking or savings account

I have a checking account with navy federal in which it served to pay my monthly bills, subscriptions and XXXX fees. I add {$500.00} for my car note, {$200.00} for subscriptions and XXXX fees. Occasionally, i add additional money for XXXX. purchases. That being said Navy federal will pend all the transactions for 3 days some even a week and then bill me a incuficiant funds fee or a returned funds fee of {$29.00}. Even though I had the money in the account. So I find myself short funds after the fees accumulate. Which then I have to add more money to the account to fix the shortage or negative balance. 

I have called Navy federal multiple times on the same situation. The situation still progresses and happens. In the last 2 months this happened to me 6 times!
Product: Credit card or prepaid card

XXXX XXXX issued me a credit for {$90.00}. Their bank is COMENITY BANK. 
I have asked several times for my credit to be posted to my my COMENITY CREDIT CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX,
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my consumer credit report and I noticed some inquiries that I have no knowledge of I filed a ftc report and now I ask that these unauthorized inquiries be removed from my credit report immediately XXXX  XX/XX/year>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/year>
Product: Debt collection

I got an alert in my email from XXXX XXXX. I checked my credit report and it showed a collection agency named XXXX  XXXX reporting a student loan debt. I sent them a validation letter because I did not recognize it. They mailed me a response on XX/XX/17 saying they are attempting to collect a debt for XXXX XXXX XXXX and they attached verification documents regarding the debt. I looked at the documents and it was a Loan Request/Agreement Form with someone else 's name, address, social security number and school I had never been to before. It also had the co-signers name, address and social security number. That was a breach of their privacy. The other pages were payment history of the student loan from this person but it does not show his banking information. I was so upset because not only did my credit score go down, they sent me someone else 's personal information with all this identity theft going on. I responded with a letter to notify them of the error and to have it removed from my credit report immediately. They have not responded, so I want to file a complaint.
Product: Checking or savings account

My card was compromised and I followed protocol to report card info stolen. Had 2 XXXX transactions and a XXXX charge that were not mine. I filed a police report and reported to PNC. They did a 3 day investigation and charged the credit back to my account. They need a thorough investigation not just a glance
Product: Credit card or prepaid card

File a claim for fraudulent activity in the amount of {$21000.00} on XX/XX/2021 after being release from the hospital where I spend 1 year due to robbery, kidnapping, and trauma to my head and jaw bones. I reported my card stolen with local police department, supplied bank of America prepaid cash pay office of investigation all supporting documents. I'm about to be evicted from my subsidy housing apartment for good as of XX/XX/2021 for back rent of {$9000.00} I have beg and pleaded for an actual investigation. can someone please call me asap?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

Capital added a restricted to my XXXX account of needing further verification, due to high fraudulent occurrences. My attempt was making a payment for my XXXX,  and the payment was canceled. The email stated to call to verify. I made 3 attempts to verify my account, and I was provided 3 different options ( by 3 different Reps ) on how to removed the restriction. All options ( by phone ) I provided as asked, but was still told I needed more proof/contact the fraud department. The fraud department stated that I need to provide proof of Id. A link was sent out, and my passport was uploaded. Then I called back afterwards to verify if the documents was received the stated yes, but it will take 7 days for the fraud department to verify the document. Capital One fraud department reached out on XXXX  stating that my passport is not acceptable for proof of ID, and my account will remain restricted until a drive license or id is provided. Capital one has on file a copy of my passport that has been used inside of the Bank on previous transactions. My payment was taken after a second attempt, but my account was to be verified before the payment could be accepted. I have attached from Capital One website the proof of acceptable documents DateXXXX Amount:XXXX Actions : Restricted my XXXX  account
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX XXXX # XXXX