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

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts. 

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report. 

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.
Product: Consumer Loan

In XXXX I brought a vehicle from XXXX XXXX in XXXX XXXX, North Carolina. The financing was through Chrysler Financial. Monthly payments were {$570.00}. I had been current on the payments until on or about XXXX XXXX, XXXX. Around this time, I received a phone call from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Collections Department. He described a payment of {$340.00} the car would be paid in full, and I would receive my title from Chrysler. I promptly paid {$100.00} on XXXX XXXX, XXXX and {$240.00} on XXXX XXXX, XXXX. These payments were made over the phone with my debit card. I received receipts from XXXX XXXX for both payments. After these payments, I received nothing from Chrysler or XXXX. I did not get any late payment notices, nor any title. Chrysler called me on XXXX XXXX, XXXX at XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX. In the second call, Chrysler told me they would cure the debt by repossessing the vehicle. As this was the first time hearing about the car in over a year, I was confused. XXXX and XXXX XXXX had told me that the car would have been paid in full. I have spoken to XXXX and have been told that XXXX XXXX is no longer employed there. They also told me that the debt I paid off was for some other consumer debt with XXXX XXXX XXXX. I am not aware of any debt owed to XXXX XXXX XXXX. I have spoken to Chrysler, who told me they did not know anything about XXXX XXXX, XXXX, or XXXX XXXX XXXX. Chrysler has agreed to pay the car off and take title for {$8200.00}. I am not sure if the vehicle is worth that much, and I am concerned that I had previously been told that the vehicle was paid off. I believe that I am a victim of some scam with XXXX or XXXX XXXX XXXX. Further, Chrysler Financial has a debt collection agency hounding me with threatening phone calls throughout the day. They have called me at XXXX, and have told me they have come to my house on several occasions. However, Chrysler has told me they have not sent the repossession notice yet. I am concerned about my previous payments with XXXX, and what Chrysler is doing with repossession.
Product: Student loan

I have submitted forbearance requests and reduction in payment until I am able to secure employment. I recently graduated for college and received forbearance for both my federal and private loans. Lendkey is the only servicer which will not allow for a reduction in payment while I interview for employment. The document log is listed below with dates. I have not received written confirmation of approval or any indication that a temporary reduction of payment or no payment is possible. 

KCE-3137 EnrollmentCertificate XXXX.pdf ( uploaded XX/XX/XXXX ) Forebearance app.pdf ( uploaded XX/XX/XXXX ) XXXX XXXX_Forbearance AppXX/XX/XXXX.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_Forbearance_KCE_3137.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_KCE_3137.pdf ( uploaded XX/XX/XXXX )  XXXX_XXXX_KCE_3137 corrected.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955b153c607_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX3_16e9174a179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019XX/XX/XXXX_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_10_13_23_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX ) PRW-8655 FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_09_13_19_48_16_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX )
Product: Mortgage

I am the confirmed successor in interest for a residential property where wells fargo holds the mortgage. 

I have requested multiple times that Wells fargo follow CFPB interpretative ruling issued XX/XX/2014. Docket Number XXXX which states : " The bureau is issuing this interpretative rule to clarify where a successor in interest ( successor ) who as previously acquired title to the dwelling agrees to be added as obligor or substituted for the existing obligor on a consumer credit transaction secured by that dwelling, the creditor 's written acknowledgment of the successor as obligor is not subject to the Bureau 's Ability to Repay Rule, because such a transaction does not constitute an assumption. '' I am already the confirmed successor in interest. I have requested, repeatedly, for wells fargo to add me as obligor on the loan following the above rule. I filed a previous complaint : CFPB Case Number XXXX Wells Fargo Case number : XXXX I have asked wells fargo to confirm they understand that i am NOT asking for an assumption under regulation Z. 

Please review the previous complaint and the response that literally ignores the ruling. I am not asking for an assumption.
Product: Debt collection

On XX/XX/2021 Bull City responded to : complaint number XXXX Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
Bull City, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the medical dept. You will also, notice the subrogation letter, where this debt was paid as part of a XXXX XXXX settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and Bull City the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I opened an IRA with Eastern Bank several years ago. The fees were not disclosed when I opened the account. I recently attempted to rollover the account to XXXX. XXXX send out two letters requesting the transfer and sent me a copy of one which was dated XX/XX/21. When I called XXXX to see if the money had been transferred, they reported that it had not. I brought the letter from XXXX to Eastern Bank on XX/XX/21. The representative there said she had no knowledge of the transfer request.
Product: Credit reporting or other personal consumer reports

This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}
Product: Checking or savings account

XXXX XXXX visited Truist in XXXX, MD with a signed and Noatrized Power of Attorney from me with her identification as Truist asked. Truist said she would be added to my account but almost a month later it has not done so.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( XXXX ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information XXXX have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Either today ( XX/XX/2021 ) or yesterday ( XX/XX/2021 ) Covius Mortgage Solutions pulled a credit inquiry on my husband and I. I was looking into refinancing opportunities but never authorized a credit inquiry from this company. I was on XXXX XXXX and a couple of other sites and gave my basic info only.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint about the Equifax not meeting Metro 2 Compliance or E- Oscar protocol when verifying collections on my credit report. 
The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau, because the opening date is incorrect, the date of last activity is incorrect. And the credit bureau still shows ok, payments from XX/XX/XXXX through XX/XX/XXXX. How can this be when the accounts are closed. This is inaccurate reporting and its grounds for removal under 15 U.S.C 1681 Section 602 A, states I have a right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 states that the customer reporting agency can not furnished a account without my written instructions. 
XXXX Acc # XXXX XXXX  Acc # XXXX. I am factual disputing the accuracy of these two accounts. The Credit Bureau are falsely reporting these accounts as verified accurate.
Product: Checking or savings account

XXXX COMPLAINT FILING AGAINST : XXXX, ARIZONA BofA BRANCHES I understand that Banking must remain fluid in/with the evolution of online more convenient options. BUT the level of customer service when people like me have no other choice but to go into a branch and to deal w/ the employees is disgusting. I have worked in Banking. I have many family members who work in Banking. I spent many years on the Mortgage side with XXXX XXXX XXXX XXXX. If we had spoken to people the way that BOTH branches in XXXX speak to people, we not only would have been fired but we would have been banned from working for any financial institution ever again. 
There is an arrogance that all of them display. Customers are not stupid. They trust their financial institution to guide them and help them with their hard-earned money. They have spoken to me on numerous occasions in the most condescending ways. I do everything I can to not have to go into a branch for any reason but as a hard-working individual with XXXX jobs, sometimes I do not have a choice but to visit a branch from time to time. No matter how much time passes, the visits do not get better. As a matter of fact, they have gotten worse. I try to give the forever changing faces in the XXXX branches the benefit of the doubt but its always a shocking disappointment in the end. Like, literally shocking! 
I think it is time to hire more seasoned financial professionals, or at least a more balanced age range in the branches. 
I have been w/ BofA for many many years but maybe thats the problem? Maybe it is time for a change. 
DO BETTER! 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ
Product: Credit card or prepaid card

On XX/XX/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented. I made this dispute with and through Apple, they decided in my favor. The app then revoked my access to their content. Including but not limited to content, that I paid for. I tried to dispute this with my credit card company, but they passed me to Apple, and Apple said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution. The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.
Product: Checking or savings account

I opened a CD in XXXX of XXXX through XXXX. It was set to mature on XX/XX/XXXX. On XX/XX/XXXX, I called Marcus in order to open a new no-penalty 7 month CD account where the money from the initial CD account could be transferred. 

When I logged back in to my account in early XXXX, I noticed that no funds had been transferred to the new no penalty CD account and that the initial CD had not been closed. I called Marcus to find out what was happening. They explained they were working on closing the account and that it would be done in XXXX days. 

I followed up with Marcus on XX/XX/XXXX. This is when I learned they failed to close the initial CD account. As a result, the account was renewed for an undisclosed term and interest rate. Marcus told me they were in the process of trying to close it and waiving the penalty fee ( they couldn't tell me why I would be facing a penalty fee when they were the ones who failed to comply with the terms of the CD maturity plan ). In addition, I was disappointed that they chose not to disclose this information in my prior phone call. After the second phone call, they said someone would follow up with me.

It has been over a week since they said they would follow up and I still haven't heard from them. I have read accounts online of other people having similar issues with Marcus. They tell people the process will take XXXX days, but it never does. It always takes longer. Sometimes months. 

I was advised to file a CFPB complaint in order to motivate Marcus to honor the original CD maturity plan and give me access to my funds.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

WESTERN UNION FINANCIAL SERVICES , INC. XX/XX/2017 somebody used my name and at western union money transfer signed me as Co signer for there personal guaranty with my consent amount I came to found out is this person used me as an Co signer Western Union Financial Services , Inc. in connection with a debt our client claims to be owed to them by XXXX XXXX in the amount of {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

im an id theft victim. These accounts are not mine, XXXX XXXX BANK {$5600.00} XXXX # NA XXXX XXXX BANK {$6800.00} Authorized user XXXX # NA
Product: Debt collection

I have previously filed against Wells Fargo over this same thing. They have again claimed that I gave my ex permission to charge things to my account after not only removing him, but calling the police on him for stealing from me. I want a detailed explanation of how they are arriving at this ( or honestly if they are just making this up because I did not give him permission at all ). Furthermore, they admit to issuing multiple cards for the account. One I knew about ( I have or had it, and that's fine ). Another was given to him without me knowing about it, and that's the issue here. It either shouldn't have been given to him or deactivated the moment I called in and told them to revoke everything ( yes, including any loose cards they gave him, but they failed to ). They had already failed to stop him from withdrawing money from my account and changing contact information to prevent me from discovering his fraud / filing against his fraud until relatively late. They are even preventing me from getting statements from 2 accounts that he opened in my name even though that's against Social Security 's rules ( federal rules ). However, the statements are less of a problem than them ignoring that he did not have permission to mess with my accounts at the time in question and there's multiple court orders here about how they aren't supposed to be charging me for his debts. So let 's start with a real, detailed explanation from them of how they arriving at this conclusion so that I can figure out what they are misunderstanding or if they are just lying because they feel that they can more easily squeeze money out of me than out of the actual person who is responsible. If that doesn't clear it up, then it will be about 2 months ( I believe ) before I can serve. Thanks.
Product: Vehicle loan or lease

Dispute was put in to verify balance amounts. Vehicle was sold in 2019 from the voluntary repossession date until today Ive been marked as delinquent and currently the balance exceeds purchase price. This has hendered my credit tremendously. Nothing has been done to rectify the error.