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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. XXXX XXXX who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what XXXX XXXX and London & London had done to me. Even today today is the XXXX of XXXX and I called and London & London a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.
Product: Mortgage

Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/2020. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX   XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXXXXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXXXXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXXXXXX, AS XXXX XXXX  XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS XXXX XXXX  XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2020.
Product: Credit card

On XX/XX/XXXX I made a purchase at XXXXXXXX XXXX with my card for {$29.00}. The next day I see a second transaction in my bank account for {$50.00} from the same business and day. I went to the store to complain and they reviewed the tape of card purchases that day. And they responded to me that they only have XXXX transaction for that card for {$29.00} I proceed to call the bank to make the claim. I called for status after 10 days and they informed me that the transaction proceeded and that it was made with a PIN. I also received it in writing in a letter. He explained and asked if they went to the store to corroborate what they told me. And they submitted a reconsideration called on XX/XX/XXXX and they responded the same as the first claim. I went to the store and they told me that the bank did not call them or request information. And he gave me a copy of the card report showing XXXX transaction for {$29.00} What I want is for them to credit me with the {$50.00} they debited me that I did not do. I only made XXXX for {$29.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance : {$0.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Bank account or service

There were fraudulent transactions on my account from XXXX throughout the month of XXXX that I did not authorize. When I called to file my dispute I was confused with the questions being asked of me and the language barrier with the consultant. Chase is denying my claim for inconsistent information but I never authorized these transactions and I need assistance filing a dispute.
Product: Checking or savings account

On XXXX  XX/XX/XXXX my bank had XXXX transactions in my checking account marked as suspicious so I called and told them yes they were not mine and please delete them. On XXXX  XX/XX/XXXX I received a call with the bank 's phone listed on my phone from someone saying they were a bank employee calling about someone trying to make bank transfers in my account and they needed to help me with this. I XXXX  questioned them and they said to look at the phone on my debit card to see how it was the same number as what called me. So I believed they were calling me to help especially since the call from XXXX  morning. They asked to share my screen and proceeded to show me how to go into XXXX ( which I had no idea what it was ) and make XXXX transactions for the next XXXX   days to XXXX individuals accounts from both my checking and savings account. The scammer told me not to access my bank account while he was doing these transfers to stop this so-called person who was trying to make these transfers from my account. I don't understand how the bank never thought to contact me to say this looked like suspicious activity. This really is upsetting to me since they contacted me over XXXX small transactions on XXXX  but XXXX XXXX  transaction within XXXX  days totaling {$10000.00} doesn't look suspicious? They have closed the claim for my savings of account of over {$8000.00} saying they can not locate the person. I feel they should be responsible for not contacting for suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEROGATORY REPORTING ON CREDIT OF XXXX XXXX, SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT RE : PETAL account # XXXX open date XXXX it appears that derogatory and defamatory information was ledgered to a XXXX XXXX XXXX by XXXX, which has resulted in my being damaged, as such action causes the by way of denial of credit due to the inaccurate information. 

I am challenging the incorrect information with XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account that is not my and the balance is false. The one monthly payment of an account that is completely false, incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX decided to ignore my demands for Validation. Validation of the debt XX/XX/2021. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

- XXXX account # XXXX open date XXXX Provide Physical Proof of Verification : Unverified Account CC : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX By : XXXX XXXX XXXX XXXX Party Creditor, Authorized Representative, Attorney-In-Fact in behalf of XXXX XXXX, XXXX XXXX. 
All Rights Reserved XXXX XXXX / XXXX
Product: Credit card or prepaid card

I have been a CareCredit card holder for years. I got the card because it offered no interest installment payments ( 6 or 12-month durations ) for healthcare and dental services. I use the app to manage my account. Last year when I received a new card in the mail, I assumed that, like any other card, it was time for renewal, and in order to renew, I had to activate the account. When I activated the account late last year, I was already paying monthly for a XXXX XXXX I finished paying for that 12-month loan in XX/XX/2022. I used the card again on XXXX XXXX, 2022, to pay {$560.00} for some XXXX XXXX I called CareCredit on XXXX XXXX at XXXXXXXX XXXX to inquire as to whether that {$560.00} was on a 6-month or 12-month payment schedule. Usually, the default is 6 months. I was told by the representative that " unfortunately '' ( her words ), the card was used as a " Mastercard ''. I asked her how the card could be used as a Mastercard when it's not a Mastercard but a healthcare and dental credit card. She said that I activated it as a Mastercard when I received the new card in the mail. I told her that I was not aware that I was activating a Mastercard. I told her that it wasn't like they sent me two cards and said one is a Mastercard, and the other is the card you are used to. Instead, I received what looked like my regular CareCredit card. I told her I didn't need another credit card and would not have signed up for one if not tricked into activating a Mastercard instead of a no-interest healthcare and dental card. This tactic is similar to what XXXX XXXX was just accused of doing, except it is a lot more insidious. So CareCredit sent me a card that looked like my regular card in a renewal package that I had to activate, but instead, it was, by default, a high-interest Mastercard. If this was not meant to fool the customer into using a high-interest Mastercard that they thought was a no-interest healthcare and dental care, why is the default the high-interest Mastercard? I didn't tell the dental provider to make sure not to use the card as a Mastercard because I didn't know I had a Mastercard. The representative wouldn't let me get a word in edgewise. She talked over me. I told her that I was going to report them to the FTC, and still, she continued to speak over me. I asked her if I could speak, and she continued to talk over me, so I disconnected the call. This is so fraudulent. Even the app that I use never changed to the new Mastercard image. I was clueless about this bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time yet there was a 30-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report on XXXX ; this should have been investigated and corrected immediately. I tried contacting the XXXX, XXXX and XXXX requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Checking or savings account

On XX/XX/2021, and prior, I checked several websites for XXXX XXXX puppies as my family and I were searching for a puppy to have for the holidays. Finally, I inquired about a XXXX XXXX puppy from a web site XXXX. After providing my contact information, answering questions about my family, neighborhood, and interest in the puppy a XXXX XXXX phone # XXXX from XXXX XXXX Texas emailed me back and provided details about the puppy along with pictures of the puppy and the puppies parents. 

I let XXXX know I would like to proceed with purchasing the puppy. XXXX then requested I send XXXX dollars via XXXX to a XXXX XXXX at XXXX. The puppy was promised to arrive the following day XX/XX/2021. 

The following morning ( XX/XX/2021 ) XXXX XXXX reached via email and let me know he was going to arrange shipment of the puppy and I would receive the dog at my home around 6 PM. 

Later on this morning, I received an email from the supposed shipment company XXXX stating that the puppy required a crate for heat and safety if I wanted it shipped. The shipment company gave me a tracking number, three options of different crates, with different prices to rent 1,2, or 3 with a promise of refunding most of the money once the delivery and crate was returned. I picked the least expensive crate of a total of XXXX. A man named XXXX XXXX from XXXX XXXX requested I send the crate payment via XXXX to XXXX. 

Soon after, I was emailed that the crate 3 was not available and if I wanted the puppy shipped, I would have to pay an additional XXXX for the higher priced crate rental. 

At this point I realized I was being scammed. On this date XX/XX/2021, I called TD bank 3 times requesting and begging that they stop both payments to XXXX XXXX for XXXX and XXXX for XXXX. XX/XX/2021, was a Sunday and my online account showed both payments were pending. I requested TD not allow both payments to process. Each time I called, every customer service person I spoke with over the phone at TD bank said the same thing that once a payment is sent through XXXX, there is no way they can stop the payment. I was devastated. I went into a TD bank branch a few days later to speak with a bank teller and they advised me to dispute the transaction and file a police report. 
I waited until I received a letter from TD bank stating that my dispute for the amount of XXXX was denied due to an error not occurring. I then filed a police report on XX/XX/2021 at the XXXX Police Department.
Product: Bank account or service

Credit Technologies inc improperly an inquiry on to my XXXX and XXXX credit reports without my permission and when I contacted them they could find no record of me. I explained to them it was most likely related to fraudulent activity and want it removed to no avail. some on was trying to obtain credit or a loan.
Product: Credit reporting or other personal consumer reports

Experian is reporting the wrong name and addresses. Ive contacted them to remove wrong name and addresses. I have submitted my drives licenses and ssn card to them but they still will not remove wrong information
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name XXXX XXXX  Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a claim against cash app they falsely took my money
Product: Payday loan, title loan, or personal loan

Complaint concerning Sunlight Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Since XX/XX/XXXX, I have reached out to the company 's billing and contract management team regarding my Solar loan account. The amount of my contract has stay the same and I have been making timely payment of XXXX for 17 months {$1300.00} which {$1300.00} has gone to interest and approximately {$44.00} to principle. The contract under paragraph Interest, promise to pay, was for an annual rate of 4.99 % for twenty years. I have timed unsuccessfully to reach out to the company and request what paragraph states that I would have to pay interest first. 
The billing department can't explain the principle amount and why 99 % is going to interest which only started in XXXX. I need to understand why I am paying all financing charges up front and where in the contract that I agreed to this. Your assistance is appreciated.
Product: Student loan

I have been paying on my student loan for 7 years now. About a year ago I had spent 2 hours on the phone with a employee to get my payment down. He came up with a plan which I could afford. The next month I got an email saying that my payment was not paid. I was on auto payments. So I called and was told that the information that was given to me about how much I would be paying was incorrect and the gentleman I had talked to " did not know what he was doing '' I then talked with a supervisor that was so completly rude. He told me that he could not get my payments that low and I was crazy thinking that he could. He then told me that I better accept his offer or he was going to hang up on me and not help me at all. I was in tears as to how he was treating me. He was so incredibly rude and unprofessional. I was XXXX at the time and was about to be a full time XXXX. Which is what I am now. I do still continue to pay my loan at {$270.00} a month. I just needed to share this terrible experience and I wish I could remember his name to this day or wish I would have called and complained at the time, but unfortunately I was tired of spending so much time on the phone with this company. I hope that things will improve with Navient and they will have supervisiors that are more professional. Thank you for your time.