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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

On XXXX XXXX XXXX entered into a loan agreement with US BANK for a XXXX XXXX XXXX XXXX. The boat had a manufacture defect in the floor and the company replaced it with a brand new ( XXXX ) boat in XXXX XXXX. The dealer contacted US bank with new XXXX and title. We paid off the boat and sold it to a new owner in XXXX of XXXX. When US bank sent the title it was for the XXXX boat and not the XXXX boat. Spoke with US Bank on XXXX/XXXX/XXXX and XXXX unable to locate any information on XXXX boat. Contacted dealer and was able to get a new XXXX and title for us. On XXXX/XXXX/XXXX received a lean release agreement for the XXXX boat, not the XXXX boat. XXXX XXXX new owner of XXXX boat attempted to registered with North Carolina XXXX. NC XXXX would not allow the new owner to registered the boat because stated that US bank still had a lean on the boat, even though new owner had title of boat. Contacted US bank on XXXX explain above situation. Again was told had no records of a lean for a XXXX boat in our name. Requested some type of documentation that a loan did not exist. Again received a lean release agreement for the XXXX boat. Spoke with US Bank on XXXX, XXXX. XXXX, and XXXX. Having to explain the whole situation every-time. At each occurrence I was promised a supervisor would call me back. I never out of 4 different promises received a call back from a supervisor. I still have not received any documentation that I can provide to the NC XXXX that a lean does not exist on the boat. The new owner is very upset that he can not register and thereby can not use a boat that he has a title to. I need US Bank to provide documentation that they have no records of Lean for a XXXX XXXX boat with that hull ID number. I also do not understand how a company can not follow through on it promises and poor customer service.
Product: Checking or savings account

on XX/XX/XXXX somebody call chase to submit a claim and request to close my card so today i call because i try to use my debit card ending XXXX and were declined so when i call they told me about the situation so i request to cancel that claim and see if they can reopen my card but they didnt after that they say that they cant verify me and i need to step on a branch right now im in XXXX  i had a emergensy my son had a XXXX XXXX  and i need them to reopen my card to pay the hospital i dont get why they say they can verify me if in my accounts i had a verval password security questions my phone and email updated
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXXmy boyfriend an I deposited {$1600.00} in a Bank of America ATM machine on XXXX XXXX and XXXX XXXX in the city of XXXX XXXX the time was between XXXX and XXXX the machine took my money an asked to confirm it was {$1600.00} I hit the confirm button and the machine started loading then it shot my arm card out and shut off. I stayed the machine for over and hour trying to get in touch with someone from Bank of America to find out what went wrong. They tell me their going to do an investigation. I needed that money to pay for an apartment I got approved for. Now I'm in jeopardy of losing the apartment if bank of America doesn't credit my account with the money I deposited
Product: Student loan

I had called on XX/XX/XXXX to request a refund for my payments that were made during the COVID forbearance as I was not aware getting a refund was an option. When I finally got to speak to a representative after being on hold for over 2hrs, I was told they would refund my payments but it would take anywhere from XXXX months to receive my money back. When I asked how long it would take for my loans to be reinstated back to their balances prior to my eligible payments, they were unable to provide me with an answer. I called again on 8/31 to inquire if my refund was being processed. The representative on the phone said that there was no note saying that a refund was requested. I informed her that I had requested a refund for my covid payments last week. When I asked how long it would be for my refund to be processed, I was told it would take 150 day, not the 7-9 months I was originally told. When I asked again how long it would take for my loan to be reinstated, I was once again not given an answer. 

I have not been able to get an answer for how long it would take for my loans to be reinstated and I have been given conflicting information for how long it would take for me to receive my money back. There is a lack of transparency from my loan servicer and no accountability of whether or not my refund is actually being processed. I have no tangible proof that my refund was requested either and I am unable to track the request because I was not provided with an email or notice of my request.
Product: Payday loan, title loan, or personal loan

I applied for a loan from this company to fix the transmission on my car. I was approved but the interest rate was higher than the one on my credit card. So I called them and told them I didnt want it and they said they would take care of it and that I could log into my account and I would see that the loan had been withdrawn. I logged in and it does show that it has been withdrawn. I went to delete the account and could find no where to do that. So I called them back to find out how and they said that since they had ran my credit and offered the loan to me that they could not delete the account, that there was no where on my account online that I could delete it either and that all of my information would be kept with their company. I feel that this is not right ... what if they get hacked and my information could fall into the wrong hands. I hope that you can help with this. Thank you.
Product: Credit card

This is in regards to an open dispute with XXXX XXXX in the amount of {$310.00} affirm has yet to resolve open dispute after their 90 day timeframe and has placed my account in CHARGED OFF STATUS which is a breach of agreement. I have attempted to resolve the dispute by contacting customer service support by telephone and email, support has repeatedly stated they have escalated the dispute to the appropriate team for review in resolving but have not received any response. My account has been in good standings up until this current dispute. The account is shown late payments in a DISPUTE STATUS, which is INACCURATE!!!!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Dispute of Unauthorized Credit Inquiry Violation of FCRA 1681b, 1681n, and 1681o I am writing to formally dispute an unauthorized credit inquiry that was made XXXX XXXX XXXX on XX/XX/year>. I did not provide any authorization or consent for THEM to access my credit report, and therefore, your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports.

In addition, under 15 U.S. Code 1681n and 1681o, you are liable for willfully or negligently violating the FCRA by obtaining my credit report without my authorization. As such, I demand that you : 1. Immediately remove the unauthorized inquiry from my credit report.

2. Provide me with written confirmation of the removal.

3. Refrain from accessing my credit report in the future without my explicit written consent.

4. Provide an explanation of how this unauthorized inquiry occurred and the actions you are taking to ensure this does not happen again.

Please consider this letter a formal dispute under the FCRA, and I expect your prompt response within 30 days, as required by law. Failure to resolve this matter could result in further action.
Product: Credit card or prepaid card

I have contacted Trust on more then one occasion advising them that fraudulent charges were on my account. I was robbed of all my worldly possible and my Trust card is one of the things stolen from me. I have had to file a police report with the XXXX, Virginia police department. I am asking that Trust please update my account and remove all fraudalent charges from my account. I am also asking that they communicate with me to please resolve my Truist account.
Product: Debt collection

I advised this company that I was never notified you the original creditor of Owing this money. The account is due to be removed from my report in early 2016, but I paid the amount in full to clear it. Columbia recovery still reports to XXXX that I have NOT paid the collection. They ignored my communication to them that I was illegally never notified of owing the debt prior to being sent to collection. They continue to report as unpaid to transunion cespite being paid in full. The account is under XXXX ( XXXX ) XXXX. Please see the attached for correct address of this company
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due lo XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I attempted to contact the firm via their form on XX/XX/XXXX, I called and spoke to someone on XX/XX/XXXX who gave me information and then escalated to her supervisor XXXX, who provided additional information, which contradicted the first person. I had been told by my contractor verbally and in writing that the loan would be 0 % interest for 12 months. I asked multiple times via email for clarification on the language in the contract, which was validated as correct. I would've paid in full the cash amount, but it made more financial sense to take the loan for 12 months, and then pay it off when interest began to accrue afterwards. When I called to get my payoff amount, it was $ XXXX higher than I anticipated based on the starting balance, and the 14 payments I had made. When I spoke with XXXX he explained that because I didn't pay off the loan DURING the promotional period, the promotion was retroactively rescinded and the full balance had accumulated 17.99 % interest the entire time. So it wasn't a 0 % interest, it was a deferral, that was then retroactively applied in full after the 12 month promotional period. This is highly confusing, different than what was communicated, and misleading. I requested they immediately cease pulling via ACH from my account ( I paid the monthly payment automatically in full on time each month ). The balance at the end of the 12 month period was {$9600.00} ( per XXXX ), and then because I didn't pay that balance in full prior to that day, even though all payments were made on time and continued to be paid, my balance jumped $ XXXX. The company only makes money if consumers DON'T adhere to the promotional period- so the company, Service Finance, is incentivized to have consumers miss out on the promotional period in order to recoup any gains from lending. This is especially harmful to lower income individuals who rely on these programs to help repair their homes. Loan was created in XX/XX/XXXX for XXXX Monthly payments were made via ACH ( auto, on time ) for {XXXX Promotion as described verbally/writing by contractor was 0 % interest for 12 months, and 18 % afterwards I paid all monthly amounts on time, and called XX/XX/XXXX to payoff the balance I was told the balance was still {XXXX which surprised me because it was ~ $ XXXX more than I expected. Further investigation uncovered it was a deferred interest loan that retroactively applied in full if the entire loan wasn't paid within 12 months, which negates the value of a promotional period for all individuals who can't pay the loan in full in a short window. This also contradicts my understanding of the loan. A promotional period implies a value to the consumer - not a term that triggers a retroactive fee application- which is confusing, misleading, and harmful to consumers who are trying to navigate complex financial documents and understand financing terms.
Product: Debt collection

I recently checked my credit profile and discovered that " AD Astra recovery Services, Inc '', had put a negative trademark on my credit profile for over {$300.00}. I then sent a letter for verification to this collection company requesting verification of this debt. On XXXX XXXX, 2015 I received a letter containing a loan agreement with just a signature in my name. After further review I seen nothing in this agreement other than someone writing my name on a piece of paper. I did some investigation and found that a person whom get this type of loan must fill out an application and submit a blank check from their bank. Neither of this type of validation was submited by this collection agency. A fraud alert was put on my credit profiles sometime ago. I am requesting assistance in getting to the bottom of this fraud and attempt by this collection company to violate the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

# Confirmation XXXX XX/XX/XXXX I have reported to Equifax multiple times by dispute that XXXX XXXX has a collections account on my profile that does not belong to me. I have reported this to them XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that this account is un verifiable and incaccurate and should be deleted and removed. Equifax has an address and phone number listed that CFPB does not even recognize. How is that possible that the Goverment agency meant to govern collections does not have them llisted but Equifax does? 

I am requesting once again according to the FCRA guidelines and regulations that Equifax remove this account because it is unverifiable. 

I have enclosed copies of the documents from the CFPB
Product: Checking or savings account

I have had a fraudulent charge on my account and Wells Fargo denied my claim. Someone in Massachusetts had called ( somehow using my own phone number ) and requested my funds from the savings account to be transferred to the checking account where they could withdraw all my money.. 1800 $  approximately. The individual requested a change of address and a card to be sent to them rush service. I am in XXXX Texas, they are in Massachusetts and I worked both days so its impossible to have done that myself.
Product: Debt collection

Dear CFPB, Please find my complaint against XXXX and PennyMac for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if PennyMac paid for my taxes. 

XXXX XXXX  had no records that PennyMac paid my taxes - but it was done by XXXX who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed PennyMac from their XXXX system, PennyMac was unable even pretend to do any servicing functions. 

PennyMac on XX/XX/XXXX told me that XXXX as their " tax vendor ''. 

XXXX previously claimed that XXXX has no relationship to my loan. 

Since XXXX  is now my " tax vendor '', I demand XXXX  to confirm their status as PennyMac 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom PennyMac and XXXX are servicing. 

XXXX informed me that Servicing rights were transferred to PennyMac ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) PennyMac continue to insist that they PURCHASED my loan from someone whom PennyMac can not identify. XXXX never mentioned any sales of my loan to PennyMac. 

I demand PennyMac to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX/XXXX.. My taxes are paid by XXXX who bear to repeat deny their relationship to my loan. 

PennyMac continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that PennyMac is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are XXXX  and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the XXXX ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or PennyMac, but rather with XXXX XXXX and XXXX, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by XXXX from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on EQUIFAX, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. XXXX I have never had any account with XXXX. XXXX They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX XXXX : {$580.00}. XXXX XXXX XXXX : {$34000.00}. XXXX XXXX : {$1400.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Vehicle loan or lease

I purchased a vehicle and the dealership set me up with an account at Westlake Financial. I then went to their website to create an online profile and set up AutoPay. I didn't realize at the time, but when I set up autopay it had set it up for the second month rather than the first. The dealership wound up calling me to ask about the first months payment because the bank called to notify that it hadn't been received. I then looked online and realized and made the payment immediately. After making the payment the dealership asked for confirmation, so I sent the statement from the bank confirming the payment had been made. 

Westlake Financial accepted my first payment and then proceeded to sell my loan back to the dealership without ever notifying me or contacting me. The dealership then repossessed the vehicle, so not only was I out the car, but also the first payment that was made. 

I contacted Westlake Financial many times and asked to speak to a manager, etc and was never able to get the call escalated to anyone other than the initial representative who told me that Westlake has a buyback program with the dealership, but also wouldn't share the details of that program with me. No where in the contract I have with Westlake does it mention this. The only thing it mentions is a late fee for missed payment.
Product: Vehicle loan or lease

XXXX  car was repossessed by Wells Fargo bank even after had made payments car was repossessed days after.
Product: Credit card

Foreclosure, loss of job, bereavement grief. Moved to another state. Bankruptcy