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

In XX/XX/XXXX my apartment management company began sending correspondence regarding this great new program through XXXX XXXX The program allows you to pay half your rent on the first and the other half on the XXXXXXXX XXXX  actually pays the entire rent to property management company on XXXX and tenant repays XXXX the rest on the XXXX. Sounds like a good deal right? It was for about 8 months. Then I receive a text message stating XXXX rent is higher than normal should they pay higher amount and I immediately responded YES. Thought that was the end. On XX/XX/XXXX my building management sends me a failure to pay rent letter over {$6.00}. I was furious. I immediately paid what was owed. I also reached out to XXXX but no response. So I paid my rent directly to rental office in XX/XX/XXXX. On XXXX XXXX I receive a letter that my XXXX account has been suspended for non payment. They almost caused me to get evicted in XXXX when they paid the wrong amount of rent and in XXXX I paid my rent directly to my apartment so since my rent was paid but since I didnt go through XXXX  they didnt make any money. I have attempted to unsuspend my acct since XXXX with XXXXXXXX  and now I am being told my credit score is too low. How would they know except for fraudulently running my credit report and My credit score is actually way higher than a year ago so this makes no sense. Then in XXXX XXXX reports to Transunion that my account is suspended. My credit score dropped XXXX points. I feel this was retaliation and dishonest. Each month since they send my monthly statement but I thought my account was suspended. I have asked them to cease and desist sending me monthly statements and they wont listen. My credit score was much lower when first applying to XXXX  I can also prove I had 9 On-time payments before XXXX suspended my account. 
Throughout my interactions with XXXX XXXX, I encountered a lack of transparency in their communication and processes. Essential information regarding terms, fees, and potential impacts on my financial obligations was not adequately disclosed, leading to confusion and It has come to my attention that XXXX XXXX may have taken unauthorized actions, including reassessing my creditworthiness without a valid reason and subsequently denying my credit application. Such actions have a direct impact on my financial well-being and may be in violation of regulatory requirements. 
Based on my experience and interactions with XXXX XXXXXXXX, I have concerns about their adherence to fair lending practices, consumer protection regulations, and ethical standards. These concerns have raised doubts about their commitment to providing transparent and responsible financial services. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into the practices of XXXX XXXX based on the details provided above. If it is determined that their actions have violated consumer protection regulations or ethical standards, I urge the Bureau to take appropriate actions to rectify the situation and ensure that consumers are protected from potentially harmful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX reported to Transunion, XXXX, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.
Product: Vehicle loan or lease

The reason I did not report this issue sooner is because I was just made aware of it in the last couple of months. I was already advised at the end of my lease in XXXX by XXXX XXXXXXXX XXXX XXXXXXXX and Southeast Toyota Finance ( XXXX XXXX XXXX ) that there were no payments due. This misinformation has resulted in my previous account ultimately being charged off without my knowledge and impacting my credit in a negative manner. I was told numerous times that there were no payments due on my previous lease and it was an error on Southeast Toyota Finance side. It wasn't until recent when I went to get into a new lease, they pulled my credit that I was made aware the amount of {$890.00} was charged off, impacting my credit. I called Southeast Toyota Finance to resolve this and spoke to XXXX XXXX, End of Term Manager, she advised that Southeast Toyota Finance accidently credited my account from a payment received from another customer that is why there was a balance due when they figured out their error. I advised XXXX I had no problem paying but they told me nothing was due twice and I owed nothing. I asked her why I should be responsible for their error 2 years later. She advised me I should feel bad about it and pay it. I advised her this was her company 's error which she admitted and they should do what is right and take care of the balance in addition to repairing my credit. She advised me that she would need a couple of days to research and then never returned my call or followed up with me. This brings me to my current situation ; my credit has been severely damaged and it has affected me getting a new lease with XXXX or applying for credit anywhere else. I am requesting that Southeast Toyota Finance be responsible for their error, credit the {$890.00}, and put an expedited request to repair my credit to the 3 credit bureaus. I have always paid my bill on time and my credit has been excellent, I would not recommend doing business with Southeast Toyota Finance.
Product: Credit reporting or other personal consumer reports

Im submitting this complaint because I found a major mistake on my credit report. It seems like someone elses information has been wrongly listed under my name and Social Security number. Ive already notified the credit bureaus about this, but the issue still hasnt been fixed.
Product: Credit card

Well, I have applied for a credit card with Capital One and they denied me an extension of my own, personal open-end consumer credit plan, with no explanation, it appears to be a breach or discrimination on their end. I filled out the application entirely and in good faith. Adverse action against a consumer is against the public statutory and regulatory codes, according to EQUAL OPPORTUNITY TO CREDIT ACT, which could be found in 15 USC 1691c, and the actions are civilly liable, pursuant to 15 USC 1692k. Capital One is subject to criminal liability for discrimination for violating 15 USC 1691, which is evidenced via the response to my application for a credit card. Capital One is in violation of 15 USC 1642 and 1681m as well as 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, Capital One required my social security number/credit card number and used it to deceptively deny me an extension of my own open-end credit plan, and i never did receive any benefit, which is two-fold an UNAUTHORIZED USE OF A CREDIT CARD and proof of fraudulent activity on behalf of Capital One. Capital One stated that the reason for denial of credit is because i don't use enough credit or have credit files and also claim in their discriminatory ADVERSE ACTION letter that " one or more of the companies on the back of this letter '' gave them the information and when i checked the back of their letter, zero companies were namef on there. The only thing on the back of the letter is a paragraph from the EQUAL OPPORTUNITY TO CREDIT ACT, Ironically, so i know they are aware of my rights and and choose to willfully and intentionally denying me credit from my own estate. Furthermore, immediately after the denial, i received notification that CREDIT ONE ran my credit because of the multiple hard inquiries that proves IDENTITY THEFT AND FRAUD because they got XXXX and I received no benefit. 
That's unauthorized use of a credit card, and that reminds me of how crackheads behave towards other people, again ironic. This is identity theft and racketeering and civil conspiracy, as far i can tell. Securities frauds and embezzlement and unjust enrichment and i can list more CRIMINAL ACTIONS by credit reporting agencies and financial institutions and I'll file individual complaints for that too. If Capital One fails to reasonably attempt to resolve these matters, civil and criminal remedies, which are to be construed LIBERALLY, as per the XXXX, will naturally be the next plan of recourse, as it is only necessary and proper to justly compensate anyone for damages caused when any person acts in dishonor. When attempting to call Capital One, they make you listen to prompts to literally nowhere for 20 minutes and after those twenty minutes and twenty messages assigning banking topics to dial pad digits, you get to XXXX and XXXX, who are not XXXX  and therefore lying about their identity too and thereby is not properly equipped to grasp the nature of my complaint. Or, I actually suspect theyre AI. So I decided that this should work just fine as notice.
Product: Debt collection

Receivables Solutions is reporting a debt on my report that has been paid. I want this inaccurate information removed from my report today.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed an inquiry reporting to my credit report, that I did not authorized. This inquiry has been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Under 15USC 1681 Section 602 states I have the right to privacy.

15UAC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

this is the follow-up request for the following fraudulent items to be removed from the Credit report. My complaints are always ignored. Please delete these ASAP. 

XXXX : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX TRANSUNION : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint without error or influence of any third party agencies.
Product: Credit reporting or other personal consumer reports

Loans were taken out under names attached to my SSN. Amounts of {$17000.00} and {$14000.00}, {$500.00}, {$1500.00}. These were not taken out by me and I have notified my bank. Currently my credit has taken hits from these false loans.
Product: Credit reporting or other personal consumer reports

I discovered a delinquent account on my credit report that I believe is inaccurate. I promptly disputed this error with the creditor, providing documentation to support my claim ( e.g., proof of payment, account closure confirmation, or evidence of identity theft ). Despite my efforts to resolve this, it has not corrected the error, and the delinquency remains on my report. This inaccuracy has negatively impacted my creditworthiness and ability to secure financial opportunities.
Product: Money transfer, virtual currency, or money service

Dear Sir ; I am XXXX XXXX theco-founder and general manager of XXXX XXXX XXXX XXXX , our company islocated in XXXX XXXX -U.S.A. from 35 years, and we used to work withdifferent countries in XXXX XXXX for outsourcing our work.Recently we noticedthat Freelancers from XXXX has the same complaint, that there are governmentalinstructions to stop the transactions unless they offer official paper orrelationship paper! Those restrictions are stated in more than one branch! anddid not happen in other countries. Western union shouldcommunicate more effectively with customers, especially more than 10 had thesame complaint about bad behavior from employees especially the ones in thebanks branches ( XXXX XXXX ). Please solve thisproblem in your branches in XXXX, or We will change our transactions toanother company dont have those troubles.For more informationabout complaints on Western Union , see this group : 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the XXXX written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I made a complaint against Experian on this site but after 2 months of delays, Experian responded " we were unable to process your dispute, as it was not specific. '' I will make specific points over multiple separate complaints to make this easier for Experian to comprehend. 

This is regarding the recent dispute filed against XXXX by me in which you amazingly took XXXX 's side. I need to know what was done in this dispute/investigation. It is outrageous that you blindly trust XXXX, who is giving you false information you are passing on as libelous fact. I want to know what information they gave you to prove that " I '' moved to XXXX XXXX ( never set foot there ), signed up for service ( of which XXXX will not even tell me what services might have been provided ), and probably never paid, but they kept it going for around 9 months to total {$1900.00}. All while having home services at up to 2 other locations with different providers ( 1 is correct ). XXXX even finally just admitted that their account linked to me was fraud, but XXXX is being incredibly obstinate ( we will eventually see if you removed this false XXXX provided address from your records ). XXXX even allowed this account to be opened even though I have fraud alerts, AND credit freezes with all credit firms, yet you seem to ignore the obvious negligence of XXXX. AND THIS IS THE SECOND TIME XXXX HAS DONE THIS TO ME -- Look up 2019 which they admitted was fraud after I jumped through their hoops last time this was done. Why in the world would you trust XXXX? Will their be any penalty against them for providing you with false information? 

On your website it only says I have to call for details. Why? Put it in writing so I can share it. 

Attached is the 2019 fraud confirmation XXXX assisted in.
Product: Mortgage

I was current with the previous mortgage servicer XXXX XXXX XXXX  until the COVID XXXX pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a XXXX but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying XXXX in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the fact XXXX approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments
Product: Money transfer, virtual currency, or money service

Currently a firm called XXXX XXXX XXXX XXXX contacted me and said they have recovered my funds.But they want a {$1000.00} deposit before they can return some of my money. This firm is supposedly in XXXX XXXX  and XXXX XXXX. The person who has been speaking with me for 6 months is in XXXX The telephone number posted is XXXX XXXX XXXX XXXX is the person with a XXXX XXXX XXXX XXXX XXXX certificate to practice law, dated XXXX. I don't know how to vet this law firm because no address is listed, only a phone number a & contacts me through email & text. 

Person says someone goin g to contact me this coming XXXX, XX/XX/XXXX. To handle a refund to me. I don't know what they XXXX do but afraid to give my personal bank in formation. 

I am hoping you can give me any information as to the validity of this law firm so I don 't get scammed as second time. My initial {$400000.00} was scammed by a XXXX woman who disappeared with my funds. Reported to FBI more than a year ago but no response. 
Hoping to can help vet this law firm that says they ago list of names including mine from you. Is this true? If not they nature also scammers. They also supplied me with a certificate from you saying they weren't approved to recover funds from trading, crypto, etc. Can you verify this XXXX XXXX is what I need from you.
Product: Credit reporting

On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed XXXX basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
Product: Credit card

I am writing in regard to Discover Financial Services. XXXX XXXX I made a final payment to this credit card due to loss of personal solvency. XXXX XXXX I received notice Discover was writing off this debt as uncollectable. 

Tax year XXXX I received a XXXX for cancellation of this debt. This is incorrectly reported, and should be applicable to Tax year XXXX. As a result of this reported charge off in the incorrect tax year, I have wrongly due {$900.00} to the IRS. 

I have contacted Discover Financial Services in writing and via telephone several times in an effort to have them amend the XXXX to reflect the correct IRS reporting year of XXXX. 

Respectfully I request Discover Financial Services amend the XXXX XXXX to reflect the appropriate XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have multiple negative remarks on my credit report. I have a remark on the report that has finally passed the 7 year mark to be removed and requested to be removed and was at first advised it would stay on my report until XXXXXXXX XXXX XXXX That date passes and dispute that remark on my report to be removed I get told that it will continue to remain on my report until XXXX then was disputed once again that changed to XX/XX/year>. I was already advised to have this removed on XX/XX/year> and Experian refuses to remove it when initially stated it will be removed on XXXXXXXX XXXX XXXX when it has been passed more than the 7 years to remain on report.
Product: Mortgage

My mortgage collector, XXXX ( nka Ocwen ) refused payments and forced me to file Chapter XXXX Bankruptcy. My Chapter XXXX was a full repayment plan. After all payments were made the Court confirmed with all Creditors that full payments had been received and they said that nothing was due and owing. 6 months after my bankruptcy was discharged Ocwen claimed ( through notice to my attorney ) that I owed an additional {$8500.00} and threatened foreclosure. My bankruptcy attorney was not helpful with disputing this amount and I was so stressed out that I went ahead and entered into a Loan Modification with them and did not dispute the amount. During the bankruptcy and after I have requested monthly statements. My attorney sent several letters telling the it was ok for them to send monthly statements ; and I have called and faxed/mailed letters asking for monthly statements. I have not received a monthly statement since 2008. When I call they tell me that they have notes saying that I told them to " not '' send statements. Oh and when I do call I 'm calling XXXX or some foreign country. Is there anything I can do?
Product: Vehicle loan or lease

Hello, my name is XXXX and I am in desperate need of your help. I have been trying to get my auto title to my XXXX XXXX XXXX for over 30 days from Chase XXXX. I paid the car off the first week of XX/XX/XXXX and I was told it would take XXXX to 10 days to receive my title. It even states this on their website. 

I have called in around XXXX to XXXX times just this past week, ( not counting the times I've called in since XXXX ), trying to get this resolved and have spoken to over a half dozen people. I have been given their account supervisor phone number of XXXX. All I am getting is the run around and no one is helping. I need my title and bill of sale and they just are not sending it to me. 

The document they said they have sent for my bill of sale and only for my bill of sale are not, indeed, a bill of sale by any means. I will attach that as a reference. Please help me get my vehicle title for the car that I paid off.