23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX all was ask to remove inquiries. Called multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around Hyundai Motor Finance Leasing ; my calls them failed to correct. Has spread to credit reporting agencies ; initially XXXX, now others. 
Hyundai leased vehicles to me and another individual who share similar first and surname XXXX XXXX ... ... XXXX. ) and nearly identical SS #. Hyundai has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports.

The other individual contacted me ( likely got my phone # ) from his Hyundai account and advised that he was receiving Hyundai mail address to me. I was receiving invoices by mail and my online account contained his name. 
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory. 
What is wrong with these financial institutions and services? Covid is no excuse for incompetence. 
Attached is a copy of my HMF account page taken XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX someone stole my identity information and attempted to get credit cards with this information. I have been working since then with all three credit bureaus and basically have things fixed with XXXX and XXXX, but Trans Union refuses to make the corrections without this report. 

There are XXXX fraudulent hard inquiries showing on the TransUnion credit report on XX/XX/XXXX : XXXX and XXXX XXXX, which was for a XXXX credit card. Weirdly, both of these attempts were successful in opening accounts although they did not appear to have my Social Security number, thank XXXX. I called XXXX and I called XXXX XXXX and reported these fraudulent hard inquiries and they both told me they would contact the credit bureaus. I believe they have done so because it appears to be basically resolved with the other XXXX credit bureaus but Trans Union won't resolve it and keep lowering my credit rating, which was XXXX when this all started. 

I think the way this happened is that someone was able to get into my XXXX account using my email address, and then changing it to XXXX of their email addresses so they could access everything in that report I guess. Who knew it could be that easy.
Product: Debt collection

I was driving to XXXX from XXXX XXXX on XXXX. About XXXX miles away from XXXX on the hwy, I was hit with a gust of wind that blew off my latched pop-top slide-in truck camper. The roof which was harnessed down factory standard with latches was blown off with the gust - act of God- and the car behind me ran into the fallen roof. There is video evidence. 

We exchanged insurance information - well almost a year later, i'm receiving calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on multiple days [ XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 ]. XXXX and XXXX both threatened to sue me through civil action as a subrogation office, threatening to take my driver 's license away. 

I immediately told them to go take a hike, contact my insurance provider and stop calling me. They've continued to call and threaten me. I've contacted my insurance provider all state whom is trying to act on behalf of me but they keep stating XXXX XXXX shouldnt be calling me directly.
Product: Credit card or prepaid card

It 's now been more than six months since we asked XXXX to close the account and refund the annual fee plus the credit amount due on the account. We have filed a complaint with CFPB about the annual fee, specifically how hard they made it to close the account. Not only did they not refund the annual fee, they have been kiting the credit amount due. every month we get a statement showing a credit balance, but never a check to pay it back. 

We are considering small claims court for recovering the annual fee, maybe we will include the credit balance in the same suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account XXXX, Ally Financial Account # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My XXXX XXXX Report # XXXX shows fraudulently a false entry on my credit report and is to be delete as it is not mine. 
Account # XXXX XXXX XXXX XXXX. Date of Order & Date of Receipt XX/XX/XXXX. XXXX XXXX Reference # XXXX. Risk XXXX claims Subject XXXX claim reported. THIS IS NOT MINE. DELETE ALL from XXXX XXXX and Sage CRA 's. Further on page 1, On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Cause of Loss Theft/XXXX Amt paid XXXX NOT MINE address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. NOT MINE. AND..On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft/W Amount paid XXXX. IS NOT ME!!!!! And # XXXXXXXX XXXX XXXXXXXX XXXX XXXX TheftXXXX XXXX paid XXXX NOT MINE. AND # XXXXXXXX XXXX XXXX XXXX XXXX  DELETE its all FRAUD. You have wrong person. FCRA.
Product: Mortgage

In 2009 I was offered a program from City Mortgage called HAMP which offered lower monthly rates and 30 years fixed rate.Before getting on the program I was told that I dont have to pay anything until they decide if I qualify or not.I still made payments every month for XXXX instead of XXXX dollars each month.The qualification review took over a year and I got a letter telling me I am not qualified and I owe City Mortgage over $ XXXX.I could n't pay that amount and numerous times contacted City Mortgage to see why I am not qualified.I never got a clear answer why and they did not want to help me.I was told if I could not pay that amount that my house will go to foreclosure.At that time I started to write complaints to corporate and the {$20000.00} got added to my mortgage and I was put on the program which supposedly I did not qualify for.Just now I got a letter stating that my mortgage is now lengthened to 40 years instead of 30 how they stated before.I contacted a loan agent to refinance my mortgage and was told that my rate would not be low due to City Mortgage filing a foreclosure report. 
I was never late on my payments, I was offered HAMP program by City Mortgage and they told me not to pay anything or pay XXXX which I choose to pay.And in the end I am stuck with a false foreclosure made by City Mortgage on my record.
Product: Money transfer, virtual currency, or money service

I gave my money to a person at on XXXX through Paypal. They kept charging for the most smallest things like XXXX dollars for a sword on an ALREADY XXXX dollar XXXX XXXX character. I had XXXX dollars already. I got widdled down to XXXX. Now Paypal won't refund me because he wanted it to go through " Friends and Family '' so I idiotically did that.
Product: Money transfer, virtual currency, or money service

Paypal blatantly disregarded my non-profit organization 's claims within a multitude of disputes. We reached out 5-6 different times to have it fixed in the allotted time frame they requested, and submitted the corresponding information 4 times via email. When it was clear that they were not reviewing it, they consistently told us that they 'did n't get it. ' We sent the information via certified mail, and received a message that because we did not respond to them via email, that they were siding against us for our non-cooperation. We tried cooperating and communicating multiples times like they asked. Now, they've put us in collection for nearly {$1000.00} and will not assist us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and   XXXX   Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX     2017,  However as of toda y   XXXX    2017 I h  ave never received anything from   XXXX   o r Capital. The y have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX , CA  XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXX, I initiated a transfer of money to my Laurel Road checking account, and I noticed that the day after I did that, they wouldn't let me log into my account because they claimed that they have to do a security check. I want to close my account with Laurel Road and get my money back because I have seen many negative reviews about this company and how they mistreat their customers, and I feel the same way. I sent in my phone bill statement, and the bank account statement from which I transferred money to my Laurel Road checking account per their request. This is the message I got after I tried to log in on their website " We're conducting a security review to protect your account. We may reach out to you for additional information, if needed. Most reviews are resolved within 10 business days. For help, call XXXX or TDD/TTY : XXXX. ". I have never experienced any bank or company doing something like this before, and I am astonished that they're able to get away with this.
Product: Credit reporting or other personal consumer reports

Dispute and complaint XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX Pa XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Inaccurate Information Reporting by XXXX XXXX Bank Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXXXXXX XXXX for inaccurately reporting information to my credit report. This inaccurate reporting has adversely affected my credit score and financial standing. 

**Details of the Complaint : ** 1. **Inaccurate Information : ** - The specific inaccuracies in my credit report, as reported by XXXX and TransUnion XXXX include Inaccurate balance updates and last payment dates, incorrect account balances, also payment history is incorrect and not consistent between the XXXX reporting agencies. How can we say this is accurate if both Trans Union and XXXX are reporting different information. Pictures will be included in this complaint. Please remove this account from my report. 


XXXX. **Dates and Context : ** - The erroneous information was reported. I have made attempts to resolve this matter directly with XXXX XXXX Bank, but have not had a response. 

XXXX. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** - I believe XXXX XXXX Bank has violated the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) by failing to ensure the accuracy of the information they provided to the credit reporting agencies, XXXX and TransUnion. Specifically, Section 607 ( b ) of the FCRA mandates that furnishers of information must provide accurate information and that they are liable for damages if they fail to do so.

4. **Impact on My Credit Report : ** - Due to this inaccurate information, I have experienced a very difficult time in getting employment, denial of credit, higher interest rates, and emotional distress. 

**Requested Action : ** I urge the CFPB to investigate this matter and take appropriate action against XXXX XXXX Bank for their violations of the FCRA XXXX Additionally, I request assistance in removing this account from my credit report with XXXX and TransUnion to reflect accurate information which they did not. 

Attached are copies of my credit report highlighting the inaccuracies, as well as any correspondence with XXXX XXXXXXXX XXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; Experian, XXXX, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.
Product: Student loan

When I lost my job, I contacted Navient to ask for a forbearance and was told that there were no options available to me. I graduated from XXXX in XXXX. Unfortunately, I had requested a forbearance when I did not XXXX on the first attempt and had requested a forbearance again when unemployed in XXXX. According to Navient, I exceeded available forbearances and they would pursue collections against my co-signor who is now retired and on limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the equifax security breach was made public, I logged into their website and requested the credit protection they were offering, not knowing that I was giving up my rights to take legal action. When I signed in, it indicated that I was at risk. I would like to rescind my agreement to the credit protection so that I have the right to take action if necessary.The Equifax website makes it almost impossible to submit a request such as this. With all of the inquiries to Equifax, their wait times are horrible. I have since frozen my credit reports for all 3 agencies. 

XXXX XXXX
Product: Mortgage

Wells Fargo sold my loan 2 weeks after I applied for a loan modification. On XX/XX/20 I received a letter from wells fargo stating they were selling my loan to a new servicer. I was told on XX/XX/20 that nothing would change on my loan except for where my payment was serviced. They denied my loan modification and XXXX changed my due date and charges mortgage brokers in the amount of {$25.00} each time they check my balance. I tried to resolve my issue with XXXX but they refused. Attached is the letter I received from Wells Fargo and in paragraph # 2 states that the only thing that would change was where I sent my payments. I would like Wells Fargo to reimburse me for all of the {$25.00} fees assessed until the end date of the loan for acquiring the balance of my account. 
I called XX/XX/20 and spoke with XXXX ext XXXX and after speaking to a colleague he shared that Wells Fargo has no control over another supervisor and that they would not be assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has become overly apparent, how poorly TransUnion is conducting any type of investigation at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has failed to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have FAILED to provide adequate findings of your own. I have contacted the agencies who have accessed my report and they have no history of me, and as previously stated, I hold NO debt, mortgage nor account with the said agencies, THAT I PROVIDED YOU. You have NEGLECTED to contact these agencies for validation and yet continue to report false information on my report. Its evident it was lost in translation, because I did NOT receive per FCRA Section 611 any validation that I have requested on SEVERAL occasions. If you have followed protocol, and verified them, why has validation failed to be provided? FCRA 15 U.S.C 1681i states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me a copy of verifiable proof, than you must delete the inquiries from my credit report. I will continue filing disputes until you adequately conduct an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ACCOUNTS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following ACCOUNTS DELETED as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

{$1100.00} United Collection Bureau , INC I dispute your claim and I am requesting validation form you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
-Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or a document that holds me responsible for this alleged debt. 
-Cease any credit bureau reporting until debt been validated by me as required by the FCRA XXXX 
-Send me proof that you are licensed to collect my debt in my state. 
-Send this information to my address listed above and accept this letter- sent as my formal debt validation request, which i am allowed under the FDCPA. 

i will await your reply with the above requested proof. Upon receiving it i will correspond back with you.
Product: Money transfer, virtual currency, or money service

Cash app has consistantly frozen my card and would not let me use my funds that were on my card. For one example I was at the store trying to buy some formula the total was {$32.00} the card stopped the transaction it came with the message this purchase is against guidelines I was at XXXX. Not to mention I was sending and receiving money from family when I would go to the store and other places. One day when I went to check my account it told me that my account was cancelled my money I had in there was gone and I could not retrieve it this is the second time this has happen. I tried to reach out but I could not get in contact with anyone that was a live agent.
Product: Debt collection

1- SPS has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, XXXX states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. XXXX held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). XXXX sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' XXXX has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, SPS continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented SPS 's actions are both fraudulent and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this XXXX XXXX account on several occasions with TransUnion through XXXX XXXX. this account is inaccurate it's reported as open on TransUnion but closed on XXXX, but yet the account is in collections. the date opened is wrong as well it's reported opened on XX/XX/17 on TransUnion and reported opened XX/XX/17 on XXXX. I request that this account be removed due to the detrimental impact it has had on my credit. in addition, they reported a late payment and a past due balance of {$470.00} on a XXXX XXXX account that had been charged off. and late payment for XXXX when that account has been charged off and closed. 

on XXXX XXXX is a closed account that has been charged off but yet it has a past due balance of {$1000.00} and XXXX late payments when I've never made a payment late or at all. it also has XXXX XXXX XXXX which is a charged off the account but yet is has over XXXX late payment and a past due balance of {$470.00} as well as XXXX XXXX XXXX with a late payment which I've never made late
Product: Debt collection

XXXX XX/XX/XXXX {$1500.00}. Sent request to remove debt on XX/XX/XXXX certified mail. No answer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00}. Currently under a payment plan to pay off debt XXXX XXXX XXXX XX/XX/XXXX {$60.00} currently on a payment plan to pay off. 

All these items needs to be removed from my credit.
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. 

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