23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I submitted an application for auto loan refinance. I have been receiving unsolicited mail and email offers for an auto loan refinance for the past XXXX months from Capitol One. Based on this information I submitted an application. I was denied the loan. When I submitted my application I believed based on being harassed with mail from Capitol One I would be approved. I feel this is false advertising an I was unfairly tricked by Capitol One with so many letters of approval that I would be approved without a problem. The denial of the auto loan was a complete shock. I believe their tacticts are unfair. As a result of the denial of my application my credit score was harmed causing damage to my credit score by placing a hard credit inquiry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I received notification that the following was written to my credit : CARRINGTON MORTGAGE SE has flagged your account as Loan Modification on XX/XX/XXXX. 

On XXXX XXXX, XXXX I called Carrington Mortgage who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. Carrington Mortgage said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.
Product: Money transfer, virtual currency, or money service

I was a victim of a robbery on the night of XX/XX/year>. On XX/XX/year>, the individuals that committed the crime, logged into my Paypal account and moved over XXXX XXXX dollars from the XXXX XXXX account into their bank account. I rarely use Paypal, so it was very foreseeable to Paypal that moving this amount of money after my password and address were changed in addition to a new bank account being added to my Paypal account. 

As Paypal moves millions of dollars on an annual basis, I would expect them to have a more robust Fraud Management Department, which would detect this type of activity. Further, when calling Paypal they were not very helpful as they were insisting I provide the account number, which I could not as the individuals had changed the Paypal password.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already described what had happened in complaint number XXXX. I probably needed to elaborate more but you guys were on the wrong and you guys filed and incorrect response to consumer reporting agency when I feel like I was stalked by someone watching what I do because I am and have an executive level bank through bank of America and my name is Under XXXX XXXX XXXX under the Private Reserve in the Federal Reserve Bank.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Experian conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for XXXX, Experian, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and Experian are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Student loan

Navient has refused to work with my repayment, even those they requested an offer to settle, which I did. They immediately sent it to a collection agency. I have requested multiple written requested to work with the company and each time they continue to say that I must contact them via phone. I have request that ALL INFORMATION AND REQUEST BE IN WRITING ONLY. They have continuously refused to cooperate with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans that went into repayment with Launch Servicing , LLC. I contacted the company to request a forbearance for both loans. I was granted a forbearance for both loans. I received an emailed letter from Lauch Servicing, LLC stating that the forbearance/postponement date for loan ending with XXXX begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. The second loan ending with XXXX stated that the forbearance/postponement date begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. However, when I checked my credit report, it had a negative mark for a late payment even thought I was granted a forbearance/postponement for the dates/periods stated above. I contacted Launch Servicing , LLC and was told that they are not able to remove the negative reporting, but I can dispute it with the credit bureaus.
Product: Credit card

On XXXX previous occasions such as this, XXXX XXXX has configured software logic into their banking system designed to force me into penalties and interest charges on a 0 % credit card offer by not allowing me to make a transfer or even pay my balance due. After many conversations over the phone I am told that a checking account balance must be resolved before this account may be brought current. These XXXX have nothing to do with XXXX another and should be considered fraudulent behavior by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have six inquiries on my credit report that were not authorized by me. These inquiries are fraudulent. The fraudulent inquiries are : XXXX on XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX, XXXX XXXX XX/XX/21 ; XXXX XX/XX/21 ; XXXX XXXX, XXXX XXXX XX/XX/21 - Attached is the FTC report showing which companies have placed fraudulent inquiries and my ID.
Product: Credit reporting or other personal consumer reports

I have been fighting to get this unverified fraudulent car loan that is not mine off my credit report
Product: Credit reporting or other personal consumer reports

TRANSUNION is currently reporting credit inquiries not authorised by me. 
Have reached out to the creditors and they can not find these inquiries in their system using my social security number. I am requesting they be removed from my file. 

XX/XX/XXXXXXXX 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

We had a deed in lieu of payment on a house in XX/XX/2015, the bank signed off on it. 

I called the bank and found out who I need to talk to, I have called several times and have never been able to speak to XXXX XXXX at XXXX and she has not returned my calls. 

The bank should show that the loan was satisfied, but it show 100 % paid off AND XXXX balance AND currently late payments ... so totally wrong, this needs to be removed from my credit report. 

SANTANDER BANK N.A. 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Thanks for your help
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an ongoing issue with incorrect personal information reported by TransUnion on my credit report. TransUnion has incorrectly listed my identification under a Social Security Number ( SSN ) instead of my correct Individual Taxpayer Identification Number ( ITIN ), XXXX. This mistake violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate reporting. 

Despite my repeated efforts to correct this error, TransUnion has not made the necessary corrections. I have provided the required documentation multiple times, but they have failed to properly address this issue. Other credit bureaus, including XXXX and XXXX, are correctly reporting my ITIN, making TransUnions inaction even more concerning. 

This ongoing inaccuracy reflects a failure to maintain reasonable procedures to ensure maximum accuracy, as outlined in 15 USC 1681e ( b ). The confusion caused by this incorrect reporting may be affecting my creditworthiness and financial opportunities, creating unnecessary obstacles. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion updates my credit report to reflect my correct ITIN. If this issue persists, I may be forced to consider legal remedies due to the harm caused by this inaccurate reporting.
Product: Checking or savings account

I Zelle myself {$30.00} from my XXXX account and it reversed in my XXXX account and I still don't have the {$30.00} back in my XXXX account and it's been several days. Can you please put my {$30.00} back in my XXXX account. All I know I would like my {$30.00} back in my XXXX account since it was reversed now it's lost because it's not in either account. Thank you for your time. Have a wonderful day!
Product: Debt collection

On XX/XX/2020 a notice of payment was sent 2 my address from Jefferson Capital. The notice stated that there was an account that was in collections. The amount was {$1600.00}. This account is the result of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to XXXX  on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX   's online portal for uploading supporting documents won't work and Transunion 's online dispute function is completely broken. I need this record removed by all 3 bureaus.
Product: Credit reporting

I have a {$500.00} collection on my Transunion credit report which I tried to dispute online but they would not allow the dispute. I do n't know if it was a technical error or they just have it set up so you ca n't dispute which means less work for them. I have tried to get a free copy of my report but they say I cant because I read it online and now they want XXXX per month to do what they are required to by law for no charge. Total ripoff and I 'm XXXX. This is not my account and it is destroying my credit and it is only on Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX Complaint on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my XXXX reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit
Product: Debt collection

One Main Financial has been calling my cell phone in attempts to speak to me about past due payments. They have left several messages and call 2 to 3 times a day. They obviously have my personal information and had an old work phone number on file. I work for a XXXX  XXXX and am an XXXX in the XXXX XXXX where we do not take any customer phone calls. 

One Main Financial called my place of employment and impersonated being a mortgagor needing to speak to me to obtain my new work number. They contacted the main branch located in XXXX, KY and spoke to XXXX XXXX, the front desk receptionist and advised that they were a XXXX names XXXX and needed to speak to me as I was handling their XXXX. She contacted me directly to see if I was expecting a direct call from a XXXX  and when I advised no, she said that they hung up. They then contacted the XXXX 800 number for Customer Service and impersonated again being a XXXX and advising that I was working on their XXXX ( which I do not do ) to try and obtain my information. Someone in Customer Service did in fact give them my work number in which they started calling several times for several days. I called and left a voicemail with them and advised that they did not have permission to contact my place of employment. 

One Main Financial used deceitful tactics to obtain information as well as harassing me.
Product: Debt collection

I have insurance and this is falsely on my credit I need it off asap XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit management compan XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im seeing unauthorized inquiries on my credit report, and I have no idea why. I regularly check my credit report, and this time I found discrepancies. I even tried refreshing my browser in case it was a glitch, but the unauthorized inquiries stayed there. Im incredibly frustrated and want the documents I sent to be reviewed immediately so I dont have to keep stressing about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) on XX/XX/XXXX to inquire about a new car purchase and returning my lease. I spent quite some time with a gentleman named XXXX XXXX in sales. He showed me a purchase order and eventually I was escorted to the Finance office to discuss prices. When speaking to the finance coordinator, XXXX XXXX XXXX, we discussed possible different finance options but were just playing with numbers as I had not agreed on the price of the car. I specifically told him not to run my credit, since I saw on his computer that he had pulled up all my information from a prior vehicle purchase. He held up his hands and said " I haven't done anything yet, not until you tell me. '' In the end, I did not like the deal they were offering so I left. I recieved an email notification from XXXX XXXX that there was a new hard Inquiry on my credit report. They used my SSN on file to run my credit prior to even telling me! I did not authorize it. I returned again to the dealership today XX/XX/XXXX to complain. When I spoke again to the finance gentleman, XXXX XXXX XXXX, I reminded him that I had said NOT to run my credit when I was in the office with him, and he admitted that he had ran my credit using the SSN on file PRIOR to my even walking into the office, while I was still with the sales consultant, XXXX. I told him I never authorized him to do so, and that I had not even been sure I wanted to purchase a car. I even went on remind him that yesterday I had said " Don't pull my credit yet! '' and at that time he denied having pulled it. He simply apologized and said it " must have been a misunderstanding. ''
Product: Credit reporting

I have sent Equifax numerous requests asking them to please investigate and correct accounts in my credit report that are reporting incorrectly and they are not responding.
Product: Debt collection

I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's agents XXXX XXXX https : //www.sprint.com/ and Virtuoso Sourcing Group http : //www.virtuososourcing.com/ for Breach of Contract, Failure to Providing Service, Bait and Switch Sales Tactics of Ipad Contract and Billing, not providing me with a written contract when asked, only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, Bait & Switch Sales/Billing Tactics. This is the second time I 've asked for information of reported debt filled by Sprint.com, and they would n't respond to the Washington State Attorney 's Office and XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Virtuoso Sourcing Group saying Sprint.com has filled a Debt Claim. If Sprint.com does n't response to the State Attorney 's office or Federal Agency 's in Complaints how can the they really be acting in good faith during the sales and service process.
Product: Debt collection

Hi Lvnv/XXXX  XXXX XXXXcfpb ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Money transfer, virtual currency, or money service

While we were out of town at a wedding, we had an issue with our HVAC. The condenser in the attic flooded the office and guest bathroom and hallway. 

Luckily, we were insured by XXXX  XXXX  XXXX  XXXX  XXXX  # XXXX. There are mediation specialist told us there was at least {$10000.00} worth of damage, unfortunately after our {$2000.00} deductible, we were issued a check for {$1600.00} ( after over a month, with ceilings ripped out and insulation blowing around ).

Honestly, we were just thrilled to get anything so we could afford to make the house habitable again. I belong to XXXX  XXXX  XXXX XXXX, and they somehow manage to hold off the checks I deposit for 10 days, business days. 

As the check was written on Wells Fargo, I went there to cash it on XX/XX/XXXX. They refused. In the interest of full disclosure, the check was written out to my partner and I, who are co-owners of the house. The teller told me I would have to come back in on Monday with my partner. I suspect if we were a straight couple, it wouldve been less of an issue. 

Nevertheless, on Monday XX/XX/XXXX, my partner and I arranged for lunch times to go over to Wells Fargo. They again refused to cash the check that was drawn on them!!! 

They went on to tell us that even if they were willing to cash it, there would be a XXXX dollar check cashing fee. When did banks XXXX XXXX XXXX XXXX hold our money hostage? 

There is nothing about the situation that I am OK with. If I couldnt cash the check, which the teller had on Saturday, she should not have told me I had to come in on Monday with my partner. And when my partner and I went into cash the check, they shouldve cashed it. Also the insurance company pays for that account, they should not be extorting more money out of me.
Product: Mortgage

The Bank of America blocked my home equity account after I payoff the home equity loan and referred my account to the credit agency whom classify me as a delinquent which cause my credit score to decrease drastically. I tried to resolved it with the the bank home equity release department and customer service to no avail.I spoke with many employees from the bank before I can receive their fallowing Case # : XXXX  # XXXX XXXX, XXXX, XXXX, XXXX XXXX from them, whom agree with my investigation that reveal that I dont own the bank XXXX $ and that the payoff department fail to properly distributed the money and the interest that is due to the appropriate unit .I have extra XXXX still pending in my account.