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

On XX/XX/2019, I inquired about a temporary personal loan of {$2000.00} through a company called XXXX XXXX. When speaking with them, it was determined that they were unable to offer me the loan without vehicle collateral, but they offered to transfer me to a partner of theirs, LoanMe, who offers non-collateral loans. I agreed, and was transferred to LoanMe. 

When speaking with the loan agent at LoanMe, he asked me a series of questions pertaining to my income, residency, and occupation, then had to transfer me to a disclosure recording ( this is not atypical for banks, so it raised no concern ). Prior to transferring me to the disclosure, the agent never confirmed or discussed the amount I was attempting to borrow. He then came back on the line after I was done with the disclosure, and informed me that he'd already ran my credit and it was denied. When I inquired about the amount he ran the loan for, XXXX informed me that he went with the minimum amount they offer in Arizona 0 {$10000.00} at a 98 % interest rate! 

I was under the impression that when I was transferred to LoanMe, they already had the amount of {$2000.00} that I was seeking. Had I been properly informed of this information, I would have NEVER authorized them to run my credit. When I informed him of this, he said simply that he understands, but the loan was declined. I asked to speak with a supervisor to see about how to get this credit inquiry off my record and XXXX simply told me that there are no supervisors. I was disconnected twice, and had to call him back directly at ( XXXX ) XXXX, where I was disconnected again. After calling back a second time, XXXX transferred me to customer service, who said I needed to speak with a loan agent.
Product: Credit reporting

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX XXXX, XXXX, I was declared permanently XXXX XXXX XXXX XXXX XXXX of XXXX, and medically-mandated to stop working permanently. This meant I would no longer receive a paycheck, thus could no longer afford financial obligations I could afford while working. I contacted my creditors, including XXXX XXXX. I advised XXXX that with I must Voluntarily Surrender my vehicle. With no salary, I could no longer continue my approximately $ XXXX auto payments. I carefully and diplomatically arranged a time and place to return the vehicle, and had it Voluntarily Surrendered at a designated XXXX dealership. Not until XXXX XXXX, XXXX, when I tried to rent an apartment, did I learn that XXXX XXXX had reported this Voluntary Surrender as something else - a Repossession - to XXXX, Experian and XXXX. I called XXXX XXXX and was told by an agent that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. This inaccurate reporting by XXXX of a " Repo '' of the XXXX XXXX violates The Fair Credit Reporting Act. ( Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). Firstly, they are not the same in any circumstance. I had no ill intent, and most strongly, I had no choice, as XXXX and the inability to work were not my choices. I believe XXXX 's irresponsible wording may amount to XXXX Discrimination, as were the harassing phone calls, " It 's not XXXX 's fault you 're sick! '' and XXXX 's law suit against me. Because of this misreporting, my credit score dropped from its usual XXXX to a ( last-heard ) XXXX. I subsist on XXXX XXXX income, which is protected from garnishment. I have been unable to rent an apartment and have been homeless since XXXX XXXX, XXXX. I have no documents available to me to attach, as my belongings are in storage. I would invite XXXX to show any evidence whatsoever of a " Repo ''.
Product: Mortgage

On XX/XX/year> I agreed to a lump sum payment of {$2800.00} to get up to date with an escrow deficit claimed by Penny Mac on a 30year mortgage held by same. Prior to XX/XX/year> 's payment I was notified that because of a {$20.00} quarterly increase in my property tax they would now increase my monthly payment by over $ XXXX month. My husband and I ( joint loan ) have each spent several hours trying to obtain backup or justification for this 2nd increase in 6 months. Despite escalating to several supervisors and promises to send the information we have not received anything. This would be a nearly $ XXXX increase on a XXXX loan within 7 months. Please help us to understand how this could possibly be legal. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a dispute via certified mail through USPS to Experian. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for Experian to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that Experian and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that Experian DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and Experian has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : XXXX. XXXX XXXX XXXX # XXXX
Product: Debt collection

I disputed the folliwing account askingn for verifacion documentation and debt valalidation they keel saying debt is validated but they dont provide any kind of documets proving or proff of debt. 
their response as follows : In reference : XXXX XXXX OF A Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

they have not gave me any time of proff of validation of this account this has happened more than 4 times they have failed to provied it
Product: Credit card or prepaid card

1 ) My family booked a trip to trip to XXXX and XXXX from XX/XX/20 to XX/XX/20. It was at a beautiful XXXX XXXX that I have stayed at before. 
2 ) I purchased this trip with a {$500.00} deposit and a {$6800.00} final payment for a total of {$7300.00}. 
3 ) The resort closed down due to Covid and I was unable to travel. Note I did not cancel the trip, the resort closed. I have submitted proof of their closing down. 
4 ) XXXX would not respond to my emails or phone calls, ( see attached ). When I did not get a reply, I disputed the charge with my Discover Card. 
5 ) I initially received a temporary credit, but then Discover said they found in the merchants favor. My calls to Discover card have fallen on deaf ears. I tried to explain to them, that I did not cancel the trip and I wanted to go on the trip. 

This situation is almost comical, how can I be charged by a merchant who canceled on me??? 

Please help. {$7300.00} is a lot of money. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XXXX XXXX XXXX. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XXXX XXXX XXXX. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a XXXX account to help boost my credit score but this company has done more harm than good to my score. I had downloaded the XXXX app and tried on 4 different occasions to make a payment towards my account but XXXX  couldnt connect to my bank account nor would it allow me to make a payment via credit or debit card. I tried calling the company but they keep saying no one is available to take my call and try again or send a email. When I sent a email i was told it would take 7 days for a reply and now they are reporting my account 60 days late when it was their fault
Product: Debt collection

Through XXXX XXXX XXXX - their XXXX XXXX sent me a bill for service in XX/XX/XXXX. I paid that bill upon receipt. They sent me a bill in XXXX saying it was outstanding, I called to confirmed I paid and they said yes my account just wasn't updated. This happened again in XX/XX/XXXX with a similar call and then in the beginning of XXXX XXXX I called again to inquire why my account wasnt being updated and they said they would fix it. 2 weeks later I received a text from a collection group Nationwide Credit & Collection and they were taking over my account. I called the XXXX XXXX billing group again and said they would correct the issue, a week has passed and they sent me a new bill.
Product: Credit reporting or other personal consumer reports

Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error, they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told TransUnion many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2. 

My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My only date of birth is : XX/XX/year> My only employer is : N/A You are required to do what I am asking and block the following personal information from being reported to my consumer report within XXXX days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 

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 a 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Transcript
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX  @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX Identity Theft Security Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for Identity Theft. I have a complaint with the Washington State Attorney General 's Office and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.
Product: Credit reporting or other personal consumer reports

After being informed by early warning I have an account at XXXX XXXX I immediately known it has to be illegal XXXX immigrant mortgage scam XXXX fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX on your records and over XXXX mortgage loans. He also used fake job titles XXXX. Computer professor XXXX college. XXXX. Fake doctor XXXX in XXXX. I reported to both and he got fired and under investigation as XXXX and cashed XXXX chase escrow account checks in my name and reported as XXXX with det. XXXX XXXX XXXX. Just discovered claim numbers XXXX, XXXX, XXXX, XXXX and XXXX. Ownership evidence to property XXXX XXXX XXXX XXXX MI XXXX are chase confirmation numbers XXXX and XXXX. Ny XXXX XXXX and after CFPB # XXXXXXXX XXXX XXXX XXXX XXXX  has announced this is fraud. XXXX XXXX and XXXX XXXX  has this fraudulent information on record connected to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to respond to my dispute from XX/XX/XXXX. They are reporting inaccurate information on my credit report and they failed to validate it and they failed to provide me with results of their investigation which shows that they failed to conduct one. They continue to violate the FCRA by reporting this inaccurate information and failing to investigate.
Product: Credit card or prepaid card

Both of my credit card accounts with Chase Card Services were recently closed. I was told that one of the cards was closed for delinquent status and the other one was closed at management 's discretion. Here are my reasons for not being able to stay on top of the credit card payments in a timely fashion... 

I ) ACCOUNT # ENDING IN XXXX a ) Account # ending in XXXX had some significant fraudulent charges and I was waiting for the credits to come through, II ) BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX - a ) my oldest daughter had a nervous breakdown and I had to take care of her over the last 5 - 6 months. I have attached a copy of the durable power of attorney which authorizes me to act on my daughter 's behalf and hospital reports. 
b ) In addition to this, I have my own business and I been in an ongoing battle XXXX XXXX over the XX/XX/XXXX account fraud and the investigation is still going on. The fraud ( purposely set up in the wrong account ) has devastated my life and my business. I have attached of the complaints I filed with the CFPB on XXXX XXXX. 

Chase Card Services did not want to hear any of the family/personal issues I have dealt with over the last 5-6 months ; this issue actually dates back to XX/XX/XXXX when she had her first nervous breakdown and I have been working with my daughter ever since. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. They told me that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same crap about the system and management is free to do whatever they want with the account and the decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. 

These were life-changing events and I was not able to handle these issues while helping my daughter. I have a business and at least one credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Balance : {$1100.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX  XXXX XXXX Balance : {$1400.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Debt collection

This is a medical bill that was paid by insurance but yet they have it in collections.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX was totaled that same day I reported the accident to XXXX, by XX/XX/XXXX it was considered a total loss. The agent that handled my case spoke with a XXXX representative at XXXX on XX/XX/XXXX and was given a total pay off amount of XXXX ( I learned this information from XXXX this year ). I never received a call from American Honda Finance in XXXX or any paperwork so I assumed that the car was paid off. It was not until XX/XX/XXXX I begin receiving calls from American Honda Finance that I have a past due balance on the account. I waited on the line to speak with a representative on XX/XX/XXXX in that call I learned that Honda Finance processed the payment check of {$12000.00} from XXXX as a customer payment. American Honda Finance stated that it was XXXX fault and that I had to contact XXXX to process the claim properly. I requested for my call to be escalated to a supervisor and I was given a reference number to wait for a call back. I never received a call from any supervisor. I called progressive that same day and I was transferred to the XXXX California location where I left a message and an email. 
XX/XX/XXXX I received another call about my past due amount from American Honda Finance and answered, I explained my issue again and was told the same thing. I contacted XXXX and the representative supported me with details on the claim and stated that American Honda Finance cashed the check from them on XX/XX/XXXX. The representative offered to call American Honda with me and I agreed. We both received a run around and another reference number to wait for a supervisor call back. I received a call back from Honda Finance but it was not a supervisor it was a representative that was trying to help me the best she could. I asked for a pause to be placed on my account as it is affecting my credit I was told I had to make a payment for that to happen. I finally spoke with a customer service representative who stated that I needed to call Progressive back and ask them to call Honda Finance even though XXXX sent an email to myself and American Honda on the same day showing the total loss details. I contacted XXXX and the representative was not successful with making contact with American Honda Finance. 
This cycle continued again on XX/XX/XXXX and XXXX was not successful with making contact with American Honda Finance. Then on XX/XX/XXXX and XX/XX/XXXX I reached out to GAP insurance for support and unfortunately they can not do anything except cancel my contract and refund me. 
I tried to speak with American Honda Finance again today on XX/XX/XXXX and again they will not pause the account and they will not consider my vehicle a total loss, the representative only told me to cancel GAP and my extended warranty to get a refund but now my credit has been impacted.
Product: Credit reporting or other personal consumer reports

I have in formation from XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  and XXXX XXXX XXXX that does not belong to me. I checked my credit report and saw that an open account from XXXX is on my report. According to the FTC, a company can't report or publish false information to harm my credit or collect a debt that does not belong to me.
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 Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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: Debt collection

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.