23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Chrysler Capital financial company is using illegal practice and fraud Pursuant to US code 5 1640 they attempted to take my vehicle after I had paid up this debt they sent out there repose company Hide and seek to repo my car on XX/XX/2023 at XXXX am Friday morning. And also put this on my credit report as charge off bad debt this is fraud and illegal practice I have not received a anything in mail that I owe them so now since I reported them to the CPBF they have become angry with me. I have been violated from day one I never received 15 US Code 1602 to rescind the agreement and I never was provided accurate information I was given false information under U.S code 1611 I am asking for all my money back down payment under code U.S 1605 down payment payment money and all my payment I have given Chrysler Financial alone with my title return to me free and clear. If failure to comply rescission will result in civil liability for fraud Pursuant to 15 U.S Code 5 1640
Product: Debt collection

Hey thank you for having me. My name is XXXX XXXX and my address is at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My issue is about an HOA fee that was due late XXXX XXXX. I was going through a rough divorce last year and my mental health was something i had to take care off regardless of the situation. So i was not paying attention to any letters or emails except for my mortgage and utility bills. I am thinking late XXXX i have got a letter from a collection agency saying i owe them some money, that threw me off. so i researched it, coming to find out my HOA company sent my HOA bill to them to collect the fee from me. I was very disappointed because i am a law abiding citizen and the HOA office that was suppose to be protecting me are causing me pain. I contacted them asking why they would do such a thing, they came up with excuses about nothing. i asked for the manager and i spoke to him that i will pay the {$650.00} owe with the late fee, told me i have to pay the collection agency which i never had a contract with. i even mentioned my divorce but he did not seem to care. 
Moving on, i contacted the collection ageny that they made a mistake but XXXX thing about collection agencies is that they dont care at all they just want money, they are asking me to pay {$2000.00} plus, and they also said they put a lean on my home title. i think this is pure wickedness and evil. so please i need your help because i do not owe the collection agency, my HOA office is who i owe. here is the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number : XXXX
Product: Mortgage

iN SHORT, THE ISSUE INVOLVES THE MORTGAGE WITH OUR BANK, CHASE. WE WERE GIVEN A LOAN MODIFICATION A FEW YEARS BACK, AND HAD BEEN MAKING THE PAYMENTS UNTIL XXXX OF XXXX. AT THAT POINT, WE BEGAN THE PROCES OF ANOTHER MODIFICATION AT THE BEHEST OF CHASE ECAUSE OF A CLASS ACTION SETTLEMENT. ALSO, THE PAYMENT WAS SET TO GO UP IN XXXX OF THIS YEAR AND NOW HAS, AND WILL AGAIN IN XXXX ( I THINK ) OF XXXX. WE COMPLIED WITH EVERY SINGLE REQUEST THAT CHASE MADE AND WERE DENIED. WE THEN RETAINED A COMPANY/PARALEGAL TO ASSIST US IN THE PROCESS AND WERE TOLD IT WAS DENIED AGAIN. WE ARE CURRENTLY UNDER BANKRUPTCY PROTECTION BUT THE ARREARS IS PART OF OUR PAYMENT PLAN AND WE WERE ABLE TO MAKE THE XXXX XXXX PAYMENT. HOWEVER, THE HOME IS STILL TECHNICALLY IN FORECLOSURE. WE THINK CHASE IS GIVING US THE " RUN AROUND '', IN TERMS OF REQUESTING THE SAME INFO OVER AND OVER AND THEY ALREADY HAVE A FOREGONE CONCLUSION OF DENIAL. ALL WE WANT IS A PAYMENT WE CAN AFFORD. THE LOAN WAS ORIGINALLY OBTAIN IN XXXX AND WE BELIEVE THOSE CIRCUMSTANCES WERE SOMEWHAT SPURIOUS AS WELL.
Product: Checking or savings account

This is from a previous that was closed without fully vetting the issue. Cash App is allowing unauthorized withdrawals funds from my account. Despite my efforts, including filing a dispute, the resolution was unfavorable as it was denied. Even after undergoing multiple card replacements, Cash App persists in facilitating unauthorized transactions by the aforementioned vendor. I am asserting my rightful claim to a refund from Cash App and insist that immediate measures be taken to prevent any further unauthorized withdrawals by XXXX XXXX from my account. Cash App must implement safeguards to safeguard the integrity of my financial transactions. I also emailed cash app management and requested the vendor be blocked and that request was not considered.
Product: Vehicle loan or lease

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FMC-OMAHA SERVICE CT XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when XXXX, Equifax, and XXXX are reporting different dates of last activity XXXX and XX/XX/XXXX. Also, the account was included in bankruptcy, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. It does not meet the fair Credit reporting act regulations. I feel that this account is affecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA requirements 15 U.S.C 1681 section 602A states I have the right to privacy. XXXX, XXXX and XXXX did not preform a proper investigation with XXXX XXXX XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or with whom he is acquitted or whom may have knowledge concerning any such item of information. XXXX, XXXX and XXXX did not do this. XXXX, XXXX and XXXX states that the information has be verified. How is this possible when the information continue to report inaccurate and inconsistent for all three credit bureaus. This is grounds for deletion or removal of this inaccurate late notice. XXXX, XXXX and XXXX has violated my federally protected consumer rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C 1681 604a section 2 states a consumer reporting agency can not furnish my account or personal information without my written instructions. I did not give XXXX, XXXX or XXXX written instructions or permission to furnish this inaccurate late notice for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is listed as SYNCB/TJX CO which is TJ MAXX. I am showing a Hard Inquiry from both XX/XX/2019, and XX/XX/2019. I don't recognize nor did I authorize either of these and although both are due to drop from my XXXX  report in the next few months, both were supposed to be removed that year. I am not sure why they are still there. I was told they would be removed at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a company to help me dispute some improper items, and Experian declines to let my hired help to do their job. This infringes on my right to clean up my credit report of inaccuracies. I feel intimidated by Experian and other agencies, that is why I hire people to work on my behalf. I think the credit agencies are biased, that's why I hire experts to dispute items that should not be on my credit file. Experian is doing this illegally to avoid dealing with professional credit/repair lawyers, and it constitutes a gross abuse of power, exactly like keeping a person from obtaining legal representation in a trial.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX XXXX EQUIFAX HAVE THE INCORRECT INFO )
Product: Credit reporting or other personal consumer reports

ChexSystems have outdated and inaccurate information on my credit profile. Under Consumer Law 15USC 1681 Banking systems goes off of fair and accurate credit reporting. 
Below is a list of outdated and inaccurate information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : vance and huffman llc Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with vance and huffman llc authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that vance and huffman llc provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

i have been writin the credit bueaus for over a year, XXXX, XXXX equifax is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX, job. I have never lived at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX they have XXXX bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?
Product: Credit reporting or other personal consumer reports

I pulled my credit report from Experian and an unauthorized account from XXXX XXXX reporting in the amount of XXXX I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. EXPERIAN has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting EXPERIAN regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, Experian did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Product: Checking or savings account

On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after leaving several messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. 

I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. Thank you for you quick reply as I will be filing another complaint if this goes on my chex report. 

I'm not sure where a bank can take money from the account without consent, not give the refund, charge overdraft fees, and turn it over to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello good day from pulling my credit report I notice that their are Multiple Inquires on my credit report. 
XXXX XXXX XXXX INQUIRED XXXX XXXX INQUIRED XXXX XXXX INQUIRED XXXX XXXX XXXX INQUIRED CHIME 48 INQUIRED Now I'm just finding out about the multiple Credit Inquires on my Credit Report This is the Reason my Credit Score has not changed the company involved did not get my PREMITTION TO DO THIS. 
This has to cleared up Immediately and be Compensated for my LOST due to the company 's Lack of Common Laws of the People for the People not Credit company 's this has been going on for over THREE Years NOW???

The Law Clearly States 1681A, 16814B, 15USC1681N My Rights have been Violated as a US Citizen. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had incorrect information reporting negatively on my account for years now. I eventually gave up trying to remove it because Experian had no interest in helping me and it was supposed to be falling off my report soon anyway. However, it keeps getting updated and the date of removal pushed back. I have no knowledge of this account nor did I ever give consent for my info to be used with this company. Experian needs to provide proof of these things, by law, to continue reporting the account in the first place. 

Now, I have disputed this with them multiple times to no avail, with them stating that they refuse to process the dispute unless I provide new information. This account has been keeping my score low with only Experian for a long time now, despite my excellent credit management. I'm tired of it and they need to be held accountable. 

Lastly, I would like to state that from the research I've done on the company reporting this erroneous info, it is a timeshare company, and they shouldn't be reporting info on ANYBODY 's credit report, as it's common knowledge that they are scammers.
Product: Credit reporting, credit repair services, 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. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Has all 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On my credit statements show that I have not paid Medical Business Bureau {$160.00}, this was reported again today, XXXX XXXX, XXXX after I got off of the phone with them to let them know it was paid at the end of XXXX, XXXX - They see that the account has a {$0.00} but are still reporting to collections I have a balance and have refused now, 5 times to provide me with a paid receipt as they say that is " against policy '' - I have never heard of such a thing - I ca n't have proof of payment? I need this closed and taken off of my credit bureaus. 

Thank you!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What XXXX XXXX is going on?