23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, I became aware that Brock and Scott PLLC, of XXXX, South Carolina are posing as lawyers on case XXXX, in XXXX XXXX XXXX Court of Pleas. This is a direct violation of title 15. There are no trustee 's associated with XXXX XXXX XXXX XXXX or any of his private property. I do not have a contract with these debt collectors. I have called and requested a W-9 for tax identification and was denied. I have no clue who this business is or who the work for.

Please take notice of revocation of Power of Attorney and all future trustees. Recorded in XXXX XXXX Record of Deeds. Bk 791 Pg 335. 

They can not collect a debt for anyone because I do not owe any debt. They are using my name and SSN to which they have no permission. Please see attachments. Any proceeding with XXXX XXXX XXXX XXXX must be submitted to SOUTH CAROLINA SUPREME COURT. XXXX XXXX is not a government entity. It is not a court of record. Which is why I am contacting this government agency to rectify the actions of these debt collectors. 

Brock and Scott have employed my name and XXXX. They can not have me on there books as a debtor because the emergency banking act is still active. All debt obligations are of the United States. This is fraud clearly. 

They claim to work for XXXX XXXX XXXX XXXX XXXX who is also a debt collector. This is fraud to me and the CFPB has been informed.
Product: Credit card or prepaid card

TD Bank has grossly mishandled my payment for an account, improperly reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts on my part. I believe this is a violation of the Fair Credit Billing Act, and other consumer laws, and seek immediate remedy from the Company. Please see attached documentation, for an extensive discussion of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with TransUnion file # XXXX and asked for the contract and i received a respond saying that this account is being reported accurate, This account is being reported to the credit agency by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX # XXXX, When contact XXXX they have no information or contract of this item. They gave a number to a agency that they say is handling this item as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX # XXXX. When contact this company they said that they are not handling this item, Though it's being reported by XXXX XXXX XXXX on my credit report i will like this item to be removed because it is being reported fraudulentiy to the credit reporting agency.
Product: Checking or savings account

In XX/XX/2022, Citibank closed my bank due to fraud concerns. They gave me no explanation or contacted me before closing the account. I have several accounts with other banks, I have no idea what those fraud concerns would be. 

When they closed the account, they sent me a letter saying I would receive a check with the funds in my account as of closing in XXXX to XXXX  days. More than XXXX XXXX  have passed and I have not received any of the funds in my account. I keep calling their customer service and they say they are following up but still no response as to the whereabouts of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Transunion through arbitration.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed numerous credit inquiries showing up on my credit file where I have not authorized. They are XXXX XXXX XXXX XXXX on XXXX XXXX XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3. XXXX credit XXXX on XX/XX/XXXX 4. XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX  XXXX auto finance on XX/XX/XXXX XXXX. XXXX XXXX serve on XX/XX/XXXX 10
Product: Vehicle loan or lease

During the Covid pandemic ( XX/XX/XXXX - XX/XX/XXXX ), I was furloughed, unemployed & even XXXX  XXXX  twice! I requested lower interest or payments due to the financial strains on my family. I was denied & now have 12 late payments reporting on my credit report. I even requested those be removed, with no success.
Product: Vehicle loan or lease

Hello, I reached out to Wells Fargo due to my car loan being thirty days late for the first time since I had the loan. I contacted the company and explained to them, I went into the hospital and was very XXXX Once I became aware of my surroundings, I remembered that the car note was not paid and paid immediately. I then contacted Wells Fargo and asked for a courtesy deletion. I explained that I am still employed and plan to return to work. Due to security, financial and credit clearances for my employer, I am required to maintain a certain credit score. This late item tanked my credit score over 100 points, which now puts my job at risk. I am in rehab and looking to return to work on a part time basis in the next 60days. My case is unique and I have documentation to prove what occurred. 

The represenative had me wait on hold for over thirty minutes and she came back on the line and told me she needed to take my information and get me over to the presidents office. Well needless to say, I never got over to the president office for assistance.
Product: Payday loan, title loan, or personal loan

I have never taken a payday loan from Money Lion and they have somehow retrieved my banking information and started deducting money out of my account and when I put a stop to it, they put a negative action on my credit report. I have called them multiple times they will not supply me any written documentation showing that I signed for a loan, they say they will call me back. I have not received XXXX call back as of today. The company is committing fraud and identity theft on me.
Product: Mortgage

My house is in danger of foreclosure. This problem goes back to XXXX when Fay Servicing indicated I could apply for loss mitigation online. I did so. After realizing within a fifteen-minute time frame the draft document was submitted accidentally. I immediately loaded the correct form online. I called several people at Fay getting different advice on what to do. Nevertheless, the wrong application was uploaded by the underwriter and the calculations were done for monthly income we do not have. The payment plan is established for {$5400.00} a month. I NEVER signed anything agreeing to these terms. This was something they told me that I needed to sign for. I never got a document. Yet, I did make the XXXX Payment because I was threatened that if I did not pay it, I would be foreclosed on. I was told to re-apply for hardship ( Loss Mitigation ). I really did try to try, but this is unreasonable I can't pay this with personal bills and utilities being shut off. 
After talking with a representative, I was told that the system takes the first form, and you are pretty much out of luck if a second was put in. I CAN NOT MAKE THE XXXX PAYMENT ; THUS, THE PLAN WILL BE BROKEN. 

On XX/XX/22, I contacted Fay Servicing to explain that I can not make a {$5400.00} a month payment plan. I asked for a re-assessment In addition, I would like to complain about the representative XXXX XXXX XXXX ) who is a terrible person. I realized who she was because she was once assigned to me as a manageXXXX and NOT ONCE did she bother to call me back when subsequent calls were made to assist me in my concerns. She takes great pleasure in not helping people. Getting thrills that a person will lose their home. She stated I could apply at any time, but it doesn't mean it would be approved and I need to have another plan. There is no other plan. I need to keep my home. I was also told that my house would be foreclosed on in thirty days if the payment is not made. I re-submitted my application by fax and email and hope these people can expedite this. 

( See print-showing my initial application and the resubmitted one with date and time stamp/current print screen of whats owed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The big 3 ( XXXX experian, and XXXX ) has not performed independent investigations. I sent letters and notified ( XXXX, Experian, and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX veteran and i am having a issue with EXPERIAN and XXXX reporting a collection on my account from original creditor XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for  XXXX XXXXXXXX and XXXXXXXX XXXX when i was XXXX. All my XXXX bills are paid thru the XXXX XXXX XXXX XXXX from being XXXX XXXX service connected. I am better now and care about my life and credit, and this is hurting me from getting a VA XXXX for my house. Attached is my VA XXXX XXXX, credit report, id and proof of residency. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I noticed some unauthorized credit inquiries on my credit report and I'm concerned that my privacy rights have been violated. I did not authorize anyone at these companies to make an inquiry into my credit report and I would like you to investigate this and provide me with any documentation you have with my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from my credit file. 
This is not right! I received a credit report from you, and there are some companies on it that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

.I 'm not happy with this! I received my credit report from you, and there are some companies on here that I don't recognize. It looks like they put an inquiry on my file without me knowing- but I shouldn't have to deal with this unless it was something approved by me first. The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act in order to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

This is not right! I received a credit report from you and there are some companies on it that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S.

Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

I believe someone has requested my credit file without my knowledge and I would like this removed or proof provided that you have permission to pursue this course of action under the Fair Credit Reporting Act. Please send me documentation showing compliance with FCRA guidelines. Thank you.

I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian credit report, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Product: Credit card

On XX/XX/year> I paid my credit card after using it for the first time after paying it from my own bank account under my name they restricted my account and then refused to unrestrict it after payment cleared saying they need to verify my account they asked me for id social and proof of address and bank statements when I made the account I said I did not have a bank account I just got my bank account and they wanted three statements that I dont have so they told me they cant unrestrict the account unless I provide bank statements none of that is stated in my credit card agreement
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}
Product: Credit reporting or other personal consumer reports

Ive contacted them twice about the same account, my XXXX XXXX is in late payment status as XXXX days late and has a late payment on XXXX and I wasn't late in XXXX. I disputed the information and XXXX XXXX stated they fixed it but its still showing late on my report. I ask that you guys please fix this situation immediately.
Product: Credit card or prepaid card

Applied for the American Express XXXX card because of all the advertised benefits that are included. However, there are specific terms to each benefit that must be met to even qualify. For example, Amex offers a {$50.00} credit on Sale Fifth purchase only if you enroll in the benefit and if you make a purchase with the Amex card. However, you do not qualify for the credit if you make the purchase with your Amex card using XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2023 the Consumer Financial Protection Bureau ( CFPB ) and the New York State Office of the Attorney General sued a predatory auto lender, Credit Acceptance Corporation, for misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars. The car-buying experience turns into a nightmare for many of Credit Acceptances borrowers, who face unaffordable monthly payments, vehicle repossessions, and debt collection lawsuits. The joint complaint alleges that, among other things, Credit Acceptance hides costs in loan agreements and sets consumers up to fail. The complaint also alleges that Credit Acceptance violated New York usury limits and other consumer and investor protection laws. The lawsuit seeks to force Credit Acceptance to stop its illegal practices, reimburse harmed consumers, pay back wrongfully earned gains, and pay a penalty. And feel like i was a victim I purchased the car on XXXX and after reading the CFPB report 75 % that was mentioned in the article i can relate to. So I'm making this complaint too have credit acceptance removed from all 3 credit reports. Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB is seeking injunctive relief, monetary relief for consumers, disgorgement of unjust gains, and a civil money penalty.
Product: Debt collection

Reference case # XXXX I dispute response from Progressive. This is the first time I have seen their documents. 

1. Dispute of the nature of amount owed : On XX/XX/XXXX, XXXX disputed the alleged debt within the 30-day period. When we received their letter of XX/XX/XXXX, she disputed both the validity and the nature of the amount owed. This is stated in the last sentence of her first paragraph ( attached letter labeled " CFPB-XXXX '' ). 
I did not receive a reply nor did I receive any documentation I asked in my letter. This is the first time we have seen their attachments ( you can see the footer date is XX/XX/XXXX ). 
2. Dispute within 30 days : Within the requisite 30 days, their claim was disputed. 
3. XXXX not a signatory : As you can see in the attached file labeled " CFPB-XXXX '' I did not sign any documents. None of these bear my signature. 

Original statement : On XX/XX/XXXX, I disputed the alleged debt within the 30-day period. When I received their letter on XX/XX/XXXX, I asked for detailed documentation in the attached letter labeled " CFPB-XXXX ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDCPA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.
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 USC 1681. 
Account XXXX XXXX OF XXXX XXXX, account # XXXX, has violated my rights.

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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my transunion and XXXX report. Anything from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only XXXX has deleted them. Transunion and XXXX both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.
Product: Debt collection

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is requifad to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

applied for refi in XXXX XXXX, with the original holder of my mortgage loan which was opened in XXXX, i submitted all requested verification on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX i was informed items submitted to underwriter and turnaround time is 7 to 10 business days and i will be recieve a status update within 5 days. however, since this notice i have been inudated with emails for the following ; 1.on XXXX/XXXX/XXXX request letter of explaination for addresses on my credit report for XXXX and XXXX, which i have n't resided at since the XXXX, a business that was registered at this addressthat is not associated with a apt . number or the apt . i lived in, explain a business that a relative used at my current address for the purpose of receiving packages securely, 2. expalin why i have a balance of {$9000.00} on equity if it was included in bankruptcy, although the debt was n't reaffirmed, 3. XXXX/XXXX/XXXX, signature not in cursive in email, resign, 4.XXXX, letter of explaination for a business credit card, 5. XXXX/XXXX/XXXX, recieved email that final info.needed was from my hr/payrollthat the asst.could n't obtain, for them to explain my les codes for temporary modified duty in amount of {$XXXX} ( which is noted as the ytd ), expalin ytd of {$XXXX}, because it does n't add up to my biwkly or monthly pay, however this amount clearly states it is my net ytd earnings as of the payperiod.however, upon receipt of my email, that employer uses the work number, there response was they verified income, but work number does n't give a breakdown of leave codes etc.so i took it upon myself to write a statement to try an expediate the closing etc. to no avail., 6. XXXX/XXXX/XXXX, letter of explaination and proof of the income received needed based on my XXXX ytd being low from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, because i was paid by workman 's comp. although they have my current check stubs showing my biwkly pay and hourly pay, 7. XXXX/XXXX/XXXX, they are now requesting a XXXX for XXXX i received in XXXX, although XXXX does n't issue a XXXX, because it is not taxable. i am at wits end, and request that an investigation can be done into this, i have been on the same job for over 20yrs, my initial loan is established with citi and i am fully familiar with the refi process to know this is not being handled correctly. i have tried to contact upper management but have yet to receive a response, i initiate a complaint with citi at there executive repsonse unit yesterday and have contacted fannie mae yesterday and waiting on a call back as of this date. any assistance in the expediating of this matter would be highly appreciated.