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

The original loan was with US Auto, I had the loan and had been paying it since XXXX of XXXX to US Auto, one morning in XXXX of XXXX, I woke up to my vehicle being pulled off by a tow truck. Apparently my auto loan had been sold to westlake Portfolio MGM and I was not made aware of this by US Auto. When I researched further is when I found out. When I went to retrieve my belongings out of my vehicle, they tow yard explained what had been occurring because my vehicle was not the only. I had no communication with Westlake Portfolio nor did I sign any paperwork for them. Nor have I given them permission to have any communications with me. So according to 15 U.S. Code 1692 c, they should not be reporting on my credit report and I want it removed.
Product: Checking or savings account

All calls to HSBC customer services take at least XXXX hours to get to the right person. Further, most calls are terminated without notice. 

The Fraud Department makes promises and never completes their responsibility. For example, I was notified about fraud on the bank account. After waiting XXXX hours, and the bank representative stating that he would send evidence in the mail ; the evidence never arrived and it has been over 60 days. There is a court case pending from the fraud and I need the evidence... 

Second, the Superior Court said they would accept a recorded HSBC calls as evidence, but it is very difficult and so far impossible, to reach the correct bank associate that will provide the needed evidence to the court. 

After XXXX attempts ( all consuming over XXXX hours of time per call ), I asked to close my bank accounts and the HSBC XXXX XXXX associate XXXX refused. Please help!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is 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: Mortgage

My Grievance filing is the following : I have been requesting my Bank to provide me copies of my closing documents on my home for over 30 days. I requested copies of my, The Truth and Lending and ECOA Disclosure, ECOA Appraisal Disclosure, FMNA Form XXXX Uniform Residential Loan Application and A copy of the Appraisal. This has been going on for 30 days and they keep telling me they are looking and or they can not find the documents. I have reached out to The State Attorney Office and the State Banking Commission in my State to also help me obtaining these documents from my Bank. I am reaching out to CFPB to help me obtain these documents on my home from my Bank. 

See Attached letters to my State Agencies for help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name. It was disputed and removed from   XXXX   as well as Equifax but when I disputed it with   XXXX   the results were that it remains on my file. This is not right, how can it be removed from  XXXX  of my reports for fraud and not  XXXX ? I contacted   XXXX   and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.
Product: Checking or savings account

I was scammed by certain XXXX XXXX for apartment application fee and credit check and he asked me to send {$70.00} via XXXX  using XXXX, I reported it to my bank Chase and they could not help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXXXXXX  This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number ending XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 ofinformation, 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 reportingagency 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

Experian continues to report a balance on a XXXX account that was settled in XX/XX/2017 ( see attached satisfaction letter and credit report ). Both XXXX   and XXXX  correctly report the balance as XXXX, however, Experian reports a balance of {$5500.00}. I have disputed this with Experian twice without success.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX. This account was discharged in bankruptcy but is reported as open with an outstanding balance. 

XXXX XXXX XXXX XXXX. I paid this account off, but the pay status lists the account as charged off. Check the Activity Designator and Comments fields. These two fields show the account as paid. 

XXXX. The balance on this account is inaccurate. This is an auto loan account, and the automobile was repossessed. I voluntarily turned this car in. XXXX sold the car but did not credit my account and update the balance. 

XXXX XXXX XXXX. I did not apply for a loan with this company. The credit inquiry is illegal and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my account it says i have missed a payment but i have never missed a payment. I only had a late payment and my credit score lost a couple of points because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CONSUMER SOLUTIONS dba TRANSUNION LLC has violated my rights as a CONSUMER and this has caused me a great deal of emotional and mental stress. 
TRANSUNION CONSUMER SOLUTIONS was put on notice to Cease & Desist as of XX/XX/2022 the following alleged accounts/information due to CONSUMER Right To Privacy 15 USC 1681 Section 602 ( a ) as TRANSUNION CONSUMER SOLUTIONS et all does not have any written permission from me pursuant to 15 USC 1681 XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  & XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX DEPT OF ED / XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion received the Notice to CEASE & DESIST on XX/XX/2022 via certified confirmation receipt, number available.
Product: Money transfer, virtual currency, or money service

I have been using coinbase for a while now and Ive had no problems. 

However, on XX/XX/2020, I sent XXXX and a few moments later I was locked out of my account. 

I have tried to get in contact with coinbase and they have just flatly ignored me. 

I have tried to contact them on so many occasions but they havent contacted me back. 

They say to contact their support and I did and I only received an automated reply and nothing else. They gave me a case number # XXXX since XX/XX/XXXX. 

When reading online, it has happened to so many people which is why I believe it has become a scam site. 

I just want my money back. Its been so tough with coronavirus, we dont need these people to make it worse for us
Product: Vehicle loan or lease

I recently ( XX/XX/2018 ) tried to apply for an auto loan through my credit union and was denied due to a previous existing auto. Mind you I am a first time car buyer so I was unsure of what account they were referring to. I am not very educated on exactly how credit works outside of the normal usage ( spending lines, purchases, etc ). When I went to pull my credit reports from all three bureaus is when I noticed this problem. From the way the account appears on my reports, I am not the primary account holder but some how I am in a joint bind with another person that I have no knowledge of. I wish to address this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX  - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

*attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

I disputed the issues with Amsher. This information is off of my XXXX credit report, but not the XXXX report and I keep trying to dispute it to get it off of my credit report, but I can not get anything done. I also tried to contact the creditors and they said nothing showed up and each of them told me to call the other.
Product: Bank account or service

We used Umqua bank bill pay and this caused us to have XXXX late payment or perhaps XXXX on a credit card from XXXX. We had this all settled and now there is a late payment on our credit reports that we are not responsible for. We put our faith in the bank ( Umqua ) to pay this bill in a timely manner and it was not done!
Product: Mortgage

I am getting a call from green tree everyday demanding that i pay them over the phone. They stated XXXX the representative that I have no choice to either giver her my checking account and pay XXXX dollars or continuoully get harassing calls every day up to six times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) 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 with antedates the report by more than seven years.

15 U.S.C 168sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a 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 accordance with the Fair Credit Reporting Act ACCOUNT : XXXX XXXX  XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. XXXX XXXX and all accounts in bankruptcyMus be deleted no validation from the companies or from the Credit union
Product: Credit card

on XX/XX/XXXX I accepted and XXXX XXXX promotional offer from my credit card RCI Elite Rewards mastercard from BARCLAYcardus. They offered my an interest rate of 8.99 % for 18 months on my {$4600.00} balance at the moment. My minimum payment on this transaction was {$270.00} each month. I have been paying {$280.00} but I still see interest charge on purchases every month. 
I paid interest on XX/XX/XXXX {$14.00} XX/XX/XXXX {$32.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$28.00} I have not used the card again since XXXX because I just want to keep paying this esay pay agreement. Are they supposed to charge me this amount monthly on interest? I thought interest was already being charge on my monthly easy payment. Their math is very confusing when I talked to them when I decided to take the easy pay they told me my only monthly debt with them was {$270.00} but I'm been charge more that {$30.00} a month in interest. This is illegal to lie to your customers and take advantage from us. 

Please help Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Unauthorized Hard Inquiry on XXXX Credit Report by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute an unauthorized hard inquiry on my XXXX credit report. This inquiry, made by XXXX XXXX XXXX XXXX ( NAVY FCU ), was recorded on XX/XX/2024, without my consent or authorization. 
As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report. The FCRA mandates that all items on a consumer 's credit report must be fair, accurate, and substantiated. An unauthorized hard inquiry violates these principles, as it suggests a credit check initiated without my permission. 

The details of the disputed inquiry are as follows : - Inquiry Date : XX/XX/2024 - Reporting Agency : XXXX - Inquiring Organization : NAVY Federal Credit Union I request that the Consumer Financial Protection Bureau investigate this matter and ensure the deletion of this unauthorized hard inquiry from my XXXX credit report. I have not initiated any transaction or application with NAVY FCU that would warrant a hard credit pull. Therefore, this inquiry is a clear error and must be addressed promptly to prevent any unwarranted impact on my credit score. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any other relevant documents for your reference. Please note that I have also contacted XXXX and XXXX XXXX directly regarding this matter. 

I trust that the CFPB will take swift action in accordance with consumer protection laws to resolve this issue. I kindly request a written confirmation of the deletion of this inquiry from my credit report upon resolution. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List of documents enclosed, e.g., copy of credit report, correspondence with XXXX or XXXX XXXX, etc. ]
Product: Debt collection

XX/XX/2018 - 5 accounts through XXXX XXXX open. 4 at 6.8 %, 1 at 3.4 %. Refinanced at 4.49 % through XXXX serviced. 

XX/XX/2018 : checks for each account to close were instead bundled and fairshared. Now have 5 accounts with XXXX ( for smaller amount ) and 1 with XXXX XXXX. Making weekly payments XX/XX/2018 : caught error and called. Spoke with all 3 institutions to correct error check-by-check in conference call. Was told it would take 2 weeks XX/XX/2018 : nothing changed. Went ahead and paid off 1 loan ( {$300.00} ). By the following Monday, I had credits in 3 accounts at 6.8, a higher balancein 3.4, and over XXXX in one 6.8. Should have been under {$3000.00} total. Have spoken 11 times with the organization since and it is still incorrect. 

XX/XX/2018 : had spoken with an individual that they are issuing a credit to common bond and I would receive a credit for XXXX to the 3.4 account, making the balance XXXX. This was correct. Now have 4 accouns open again with credits and 1 account at XXXX. 

I have repeatedly tried to escalate throughout this process. I spoke with a tier 3 who has an extension. He has yet to return a call. Another escalation escalated to their supervisor who would not come to the phone and provided a 2 day business day turnaround. I received no call. My credit has since dropped 4 points.
Product: Debt collection

I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days
Product: Debt collection

I requested that Apex Asset management LLC provide me with proof that I requested service from XXXX XXXX the debtor they are collecting for. XX/XX/2016 I requested " A signature '' " A contract '' something so I may see my handwriting or proof of some sort that this belongs to me. The first reply I got from them was nothing more than a print out with my name, the amount owed and pretty much the info that 's on my credit report. I replied XX/XX/2016 that this is insufficient, I need a signature or something proving this is mine. 
The next reply I get from them is a list of programming from start to finish which once again does not prove to me that I ordered this service only that it 's been ordered and my name is attached to it. 
This is going over 60 days, 2 letters and 2 replied in which I requested validation and still I have none. I have requested they remove this debt from my credit reports if they can not comply with my request, it still remains on my credit reports and I still have no valid proof that I ordered this service.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have been a victim of identity theft and data breach, and my information was obtained fraudulently to open account accounts and open loans and credit cards, etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to theses specific companies XXXX XXXX and Capitalone Bank, Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.