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

I am a long time Navy Federal customer w/ a credit score over 800. I tried to refinance my car loan from XXXX  to NF. I have no debt with the exception of the car loan, house paid off. I was denied a loan based on my income of {$1400.00}. I combine a savings account and my SS for living expenses. I was recently approved w/ NF for a new mortgage. I have not used the mort. loan and understand if I do I would need to pay off the car, which I can do. I was told I would know instantly, then 2 hrs, then 24 hrs and now 2-3 days. I feel like I am dealing with people who dont care or understand debt to income or get my situation. Pls help.
Product: Credit reporting or other personal consumer reports

Hello, I recently reviewed my credit report and reached out to credit bureau to advise of incorrect accounts on my report. I provided them that dates and information are inaccurate and not my accounts and requested for accounts to be removed. Also, requested documentation on accounts. Not only were accounts not removed but they didn't send any information to confirm how investigation was completed and how they determined accounts were accurate. The deliberately are breaking the law and these accounts are inaccurate and need to be removed asap.
Product: Checking or savings account

XX/XX/XXXX, I had a positive balance and filed and paid a stop payment for an insurance payment of $ 230+ that was not to be deducted from my acct. Wells Fargo rep did the transaction in error. The payment went thru on XX/XX/XXXX and overdraft my acct. I called Wells Fargo and asked why didthey pay. I was advised that they did a stop payment for $ 400+. I immediately told them it was incorrect and advised I specifically told the agent the amount was $ 230+. They immediately apologized for the error and redid a new claim free. In the meantime, I have had other transactions that have cometh which would have been covered had they done the correct process. They have also failed to put the funds back into my acct stating that they are still processing the claims. I have received several overdraft fees for those transactions. I was told they were going to put the funds back and credit for any overdraft fees. Its has been several days, over 5, and they have failed to correct my acct. I can not deposit any funds. I keep being told the will correct it and nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Dear Capital One, To begin with, I have to choose a an issue which best describes my complaint, so I choose " communications tactic '' and I must choose a sub category, so I choose " used obscene, ... '' etc. There was nothing specific to my complaint with the CFPB. 

I disputed my debt with you in a letter dated XXXX, which you did not conduct an investigation or send me results of your investigation. On XXXX you sent me a letter with regard to my CFPB complaint, but you did not address anything about me disputing the balance of the judgment of {$2000.00} ( which you say I owe you ). And on a letter dating XXXX you sent the attorney I hired - a response to my CFPB complaint ( where your attorney disclosed and made my Social Security Number public ). In the XXXX letter you state that XXXX, XXXX XXXX XXXX is the law firm handling collections on the account. Which leads me to believe you are still attempting to collect a debt without validating my written dispute. This is a violation of several provisions of the Texas XXXX XXXX : XXXX ( a ) You did not make a written record of the dispute and you did not stop ceasing your collection activity. 
XXXX ( b ) You are reporting my account on my personal credit file and failed to cease your collection efforts until the investigation determines the accurate amount of the debt. 
XXXX ( b ) - ( e ) sending me results of the investigation. 
XXXX ( a ) ( XXXX ) Representing any person that the consumer is refusing to pay a nondisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute. 
XXXX - Oppression and abuse XXXX - Unfair and unconscionable means XXXX The use of a third party debt collector that continuously engages in acts or practices that are prohibited by this chapter ( Texas XXXX XXXX ). 
XXXX - Injunctive and actual damages XXXX ( e ) - A person who successfully maintains an action under this section for violation of Section XXXX, XXXX, or XXXX ( a ) ( XXXX ) is entitled to not less than {$100.00} for each violation of this chapter. 

Please see the attachment in this CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was dismayed and disturbed today XX/XX/2021 after I reviewed a copy of my consumer credit report from the Consumer Credit Reporting Agencies : TRANSUNION, XXXX, and XXXX. Pursuant to US Code 1681a ( q ) ( 3 ) the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I am a victim of Identity Theft! Pursuant to 15 US Code 1681c-2 ( a ) " ... a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 have filed an Identity theft report, and provided the Agencies with my identification. I also will like for them to remove and block XXXX XXXX ACCOUNTS : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK AND REMOVE THE ABOVE ACCOUNTS FROM MY REPORT. THANK YOU I have attached affidavit of truth and invoice. I would like like to be compensated for the violation of these laws Pursuant to US Code 1681
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) as well as the Privacy Act, 5 U.S.C. 552a have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within XXXX  days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.

I trust that you will handle this matter with the urgency it demands.
Product: Debt collection

I recently paid Macys XXXX to fully pay for the alleged owed amount from my credit report. I didnt receive any notice of this debt to be able to dispute this debt from years ago. Even when I called Macys they transferred me to Citibank who didnt even have a record of the debt.
Product: Credit reporting or other personal consumer reports

I recently paid off my Capital One Auto Loan in early XX/XX/year> and CapitalOne reported in XXXX that my account is still open with an outstanding balance. 

I have contacted Capital One Auto several times requesting that they update the reporting to the credit reporting agencies showing the account is paid in full.
Product: Checking or savings account

XXXX dollars was used from account fraudulently without my knowledge I disputed charges but was denied the charges started in XX/XX/XXXX from XXXX XXXX until now with internal transfers and online purchases
Product: Debt collection

XX/XX/XXXX I received an alert from my credit report stating that a collection was placed on my credit file. I called the hospital that I went to XXXX XXXX Hospital and asked about my bill because I have never received it. I totally forgot about it, it had been so long. They informed me that it was never sent out and that they were going to send it out today ( X/X/17 ) and that there was a financial assistance form attached to it. They were great. I was not aware that I had several bills coming from the hospital, I never received any other bills, no phone calls nor any messages. There is a possibility that it could have gone to a neighbors house with the exact same address as mine but their address is Pass and mine is Court, which happens all the time, they always send it back to the post office. Now to the complaint, I called XXXX ( original ) and Transworld Systems , Inc. ( collections ) to inform them that I did not receive a bill because if I did and believed it belonged to me I would have made some type of payment arrangements. I value my credit so there was no way that I would have ignored it. I have requested a breakdown of what the bill ( an itemized bill ) to see what the charges were for. I was informed by XXXX that they could not provide me with an itemized bill nor could they call me and leave a message concerning this debt. I was very upset about this and talked loudly but not fowl but after being lied to and so inconveniently hung up on. My last calls I did let them have a piece of my mind and asked them to make sure that they were still recording. My issue is, there were no attempts made to contact me other than them claiming to have sent me letters ... no calls? no messages? Heck 1 voicemail message would have gotten my attention. I have contacted an attorney to take them to small claims court if by all means the debt is mine I will pay it but they should have never placed this on my credit report. I never knew of this bill. XXXX XXXX Hospital is sending me a financial assistant letter along with a copy of the bill that I never received and admitted that they never sent one out. But XXXX  whom I never heard of is the one that hired Transworld Systems, Inc. Neither one has contacted me and both claimed to have sent letters. Transworld Systems , Inc. claimed that they did not have my phone number and had my husbands number but stated that when they called me " I told them not to call me '' so if you did n't have my number to leave a message how did I tell you not to call me???? they have never contacted me not once so I knew nothing of this bill.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach. I also have an ftc report XXXX
Product: Credit reporting or other personal consumer reports

I leased a vehicle and finance through Ford Credit. I set up online payment and was charge the first month. However, Ford claimed that because I did it on a holiday weekend their system did not allowing reoccurring charges or auto pay. This was not on their website, there was nothing on their site to tell me that this was only going to be a one time charge. I have a screen capture to prove what I am saying. 
However, the second month did not charge and Ford credit failed to notify me that the account was going to be late. The notified me 34 days pass due via email and I took the necessary step to ensure that the account was up to date and payments were on time. 
Ford is refusing to remove the delinquent report even though I can prove it was their system that cause the error. Subsequent calls to Ford credit culminated in very little being done to repair the harm to my credit. Ford is claiming that their experience with the account is that of delinquency even though I have decades of outstanding credit. The account is up to date and no money is owed. After months of on time transactions and continue on time payments, Ford Credit is refusing to issue a retraction and as a result the report is negatively impacting my credit score and is costing me more for credit. I believe Ford is purposefully damaging the credit of consumers. I have the necessary evidence to support this claim, their excuses are a little suspect since It would not be in their best interest to damage potential customers, unless their intent is to charge more for their service due to bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have requested that Equifax provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Equifax updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Equifax will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Equifax unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is equifax misbehaving illegally and must act to remove a claim of aimed
Product: Mortgage

I went to the Amerisave Website on Wednesday XX/XX/XXXX where it clearly states, no ssn or credit report require for a pre-approval. So after you complete all the info, instead of a pre-approval, they call you and ask lots of questions and then they tell you they need to pull a credit report to finalize the pre-approval process. I asked them why does their website say no ssn or credit report and I essentially get no reasonable response on why the credit pull. 

I gave the the info and was approved for a loan and was then told that I had a few more questions and docs to review on a web link they sent me. I follow the instructions and then get a form that says, " Advance Application Fee and Authorization '' and requests a " non refundable {$500.00} application Fee. '' This is nothing but a scam to try to get a pre-qulaification letter and now I have a new credit report inquiry which I didn't want and no pre-qulaification letter. This is unconscionable business practices and nothing but a scam. How can this business practice be allowed? Now, I have a mtg with the builder tonight and no pre-qualification letter and will probably lose out on a house that we really wanted. What is our recourse?
Product: Debt collection

Hi I did not receive notification of this debt. After pulling my credit report, I saw this on there and called them to discuss. I decided to pay the debt because it was a small amount ( {$79.00} ). I made this payment on XX/XX/XXXX and I was promised the debt will be removed ( information send to the credit reporting agencies : XXXX, XXXX  and XXXX  ). I also requested a letter to be sent to show proof of settlement of this payment and as of today ( XX/XX/XXXX ) I have not received this letter. I need to get this financial transaction completed ASAP and they are hindering/jeopardizing this by not resolving this issue in a timely fashion. 

collection agency : Online information services telephone:XXXX Imaging Consultants XX/XX/XXXX {$79.00} + {$46.00} + {$14.00} = {$130.00} confirmation : XXXX Manager : XXXX
Product: Checking or savings account

In XX/XX/2018, wrote secure message to close checking account. Couple days later called to confirm account was in fact closed. However, for the past several months, I have been receiving emails notifying me of statement availability suggesting that the account is not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account no longer belongs to my credit report because it is removed from my credit report, it was an account as an authorized user and I am no longer one.
Product: Credit reporting or other personal consumer reports

After the XX/XX/year> massive data leak of social security numbers, I called all XXXX  XXXX  credit bureaus to place a freeze. 

TransUnion disconnected me in the middle of the call after I had given them sensitive information. After saying my SSN, the recorded voice said " we are unable to verify your identity '' and hung up the call.

That was alarming, and suspicious, especially because I do NOT like giving out my social security number on the phone.

I really do want a freeze because the SSN data hack is a huge problem, so I called back. After I verified my identity AGAIN ( and had to both say AND enter my information before it was accepted by the automated system ), there was a pause and then the recording said " your credit has been frozen '' and returned to the main menu. 

The other two agencies provided CONFIRMATION with a case number and an email that my credit had been frozen. TransUnion did not confirm, did not give me information about how to unfreeze, and did not allow me to contact a person or backtrack in the process to get confirmation. 

I do not trust that TransUnion has frozen my credit, I do not trust them with my information, and I would like the CFPB to do something to protect consumers after this SSN leak. I am a better educated consumer who has the time to call all three agencies and sit through interminable automated system processes -- most Americans are in deep trouble after this hack. And that is really not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XX/XX/2020, I reached out to CapitalOne regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XX/XX/XXXX of XX/XX/2020by CapitalOne. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX
Product: Credit card

I want this fraudulent, unauthorized information removed from the credit reporting agencies. I am a XXXX XXXX XXXX XXXX woman trying to repair my credit after my 20 year marriage ended. PayPal has been making unauthorized, fraudulent hard pulls that have caused my credit scores to drop. I am trying fervently to get PayPal to remove ( XXXX ) XXXX XXXX XXXX dates XXXX XXXX, XXXX and XXXX XXXX, XXXX from my credit report. I have followed their instructions to make a written complaint two times, and have made several calls with no resolve. Each time PayPal has sent me a response stating that they are not able to make any removals, they will have to be done by the credit reporting bureaus. When I contacted the bureaus they said only the companies in question can remove them. I contacted PayPal again and they now say that their back office can not remove anything because they have 'no proof ' that I never applied for credit!! That is like their word against mine. They have me going in circles. The only credit pull that was authorized was in XXXX of this year for a secured XXXX XXXX credit card in an attempt to repair my credit. I am including all correspondences that I have made with these entities.