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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 3RD RE-INVESTIGATION AND I WILL DISPUTE EVERY WEEK IF NEEDED. OR HIRE A ATTORNEY. LETS MAKE SURE WE ARE ALL ON THE SAME PAGE. SOMEONE OPEN UP A FRAUDULENT BANPKRUTCY UNDER MY SS # IN XXXX XXXX NEVADA. A PLACE I NEVER LIVED NOR VISIT. IF YOU CONTACTED THE COMPANIES THEY GAVE ME 2 ADDRESS FOR XXXX XXXX THE ADDRESS WAS XXXX XXXX XXXX XXXX XXXX NEVADA XXXX XXXX XXXX XXXX ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX NEVADA. NOW IF THESES ACCOUNTS WERE PROPERLY VERIFIED THEY WOULD HAVE SEEN THAT THESE ACCOUNTS WERE OPEN IN XXXX XXXX NEVADA AGAIN WHERE I NEVER LIVED. THEN THE PERSON INCUDED THESE ACCOUNTS IN A CHAPTER XXXX BANKRUPTCY WHICH WAS REMOVED AS WELL AS A CAR AUTO LOAN THAT WAS OPEN UP IN XXXX XXXX NEVADA. HOW CAN YOU REMOVE SOE OF THE ACCOUNTS THAT WAS FRAUDULENT OPEN AND INCLUDED IN A BK BUT NOT ALL!!!!!!!!!!!!!!!!! PLEASE RE INVESTIGATE AND REMOVE THESES ACCOUNTS FROM MY CREDIT FILE. I HAVE FAXED AND MAILED OVER ALABAMA STATE ISSUED DRIVERS LICENSE AND STATE TAX RETURNS FROM THE MENTIONED OPEN DATES THAT THESE ACCOUNTS  WERE OPEN AND THEY STILL HAVENT BEEN REMOVED!!!!!!!!
Product: Checking or savings account

Every time I do a mobile check deposit, chime is requiring me to put deposit at chime only on check. Then they find every excuse to not accept check, one says image quality is poor and then chime says can't accept it. 
This has to be against banking regulations. Because now the check is not valid because I put deposit at chime only. Not convenient and possibly illegal They should be fined for causing problems
Product: Vehicle loan or lease

American Credit Acceptance ( ACA ) arranged for my vehicle to be repossessed. XXXX XXXX  is the company that towed it. They broke my door handle off while it was in their possession then hid it so I didn't find out until hours later. I contacted ACA who provided contact information for XXXX XXXX XXXX. I sent an email, as I was instructed to do, with full details and photographic evidence. This was all on XX/XX/XXXX 

XXXX says there is no evidence and denied my claim on XXXXXXXX They're saying to address the issue with XXXX- the company that hid the damage so, obviously, had no intentions of holding themselves accountable. The XXXX site has TONS of complaints about this company denying claims for damage done by their agents. They need to be investigated to the fully extent.
Product: Credit reporting or other personal consumer reports

According to my credit report, which contains information furnished by Resurgent Receivables LLC, several discrepancies and inaccuracies have been identified. These discrepancies include but are not limited to inconsistencies in high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. These inaccuracies cast considerable doubt on the completeness and accuracy of the reported information. 
As a furnisher of information to consumer reporting agencies, Resurgent Receivables LLC is subject to the responsibilities outlined in 15 U.S. Code 1681s2. These responsibilities include providing accurate and complete information to CRAs, conducting reasonable investigations of consumer disputes, and correcting any inaccuracies or incompleteness found in the reported information. 
Furthermore, the inaccuracies in the reported information have directly harmed my financial stability and personal reputation. Specifically, the recent rejection of my application with the XXXX XXXX XXXX XXXX  is a direct consequence of the inaccurate reporting by Resurgent Receivables LLC. This rejection has inflicted substantial harm upon my financial stability and personal reputation, arising from the unjust denial of my application.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept Amount XXXX {$20000.00} Date of Service : XX/XX/year> Provider of Service : XXXX  XXXX XXXX  To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act Convergent, Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2, also states a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B, A creditor my not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose. 
I am demanding this account be updated to reflect paid as agreed and never late. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Date of Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update as paid on time I await your reply to the above request. I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX Attached you'll find a copy of my Drivers License and proof or residency. 
( I am not a third party, I drafted this letter myself )
Product: Mortgage

I close on a mortgage in XX/XX/2020 with Contour Mortgage. At the closing, there was an approximately {$3000.00} that was supposed to pay off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed XXXX days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. There was another {$2500.00} difference in the amount that was actually charged and the amount showed on the estimate closing cost document that I received. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Furthermore, I got an unpaid tax for 2020 that was supposed to be taken care of during the process. I tried to resolve the problem with Contour Mortgage with no success. So I am putting the complaints with the current loan servicer XXXX XXXX Loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent bank accounts that have been reported under my name and request their immediate removal from my record. Upon reviewing my consumer report, I found accounts I did not open or authorize, which I believe resulted from identity theft. The details of the accounts in question are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX 4. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX Routing Number : XXXX Unauthorized XXXX. 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 XXXXXX/XX/XXXX I am writing to ask for an investigation of accounts I have never opened. Please remove these from my Early Warning report. Ive attached a copy of my report. Remove the unauthorized inquiries.
Product: Credit card or prepaid card

I been having the same issue with Capital One, about two years ago my wife paid off the whole balance with Capital One and Capital One charge interest on a XXXX balance, the {$11.00} dollars they charge as an interest turned out to almost {$200.00} when we found out later because they never send us a notice and now is happening the same thing I have a XXXX balance and they already charge me {$10.00} and on my wife account that is a {$8.00} interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the most recent complaint I previously submitted dated XX/XX/XXXX2022, requesting the immediate removal of the disputed fraudulent accounts and information that the Credit Bureaus report on my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus continued reporting the disputed items and have claimed that the disputed items are verified without sending me copies of proof of verification. Under the provisions of the Fair Credit reporting act section 605b, I am requesting once again that the Credit Bureaus remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX Time XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$0.00} XXXXF XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2020
Product: Checking or savings account

I have banked with Navy Federal since XXXX. I still bank with them actually today in XXXX. I recently applied for two refinancing car loans. I received a email and text confirmation that navy Federal approved one of the car loan. The following day they called me from the charge off department stating that I had a charge off so they couldn't approve the car loan. I asked them when and how much was the charge off. They stated that it was from XXXX and the amount was {$1200.00} or something rather. I told them that I've never been notified about this account and that my information has always been up to date. They stated that they sent out a notification XX/XX/XXXX and that was the last time they sent something. So from XX/XX/XXXX until XX/XX/XXXX I was never notified by anyone from the financial institution that there was ever a charge off on my account. I was still getting bank statements for this " charge off '' account in XXXX with a positive balance. They stated they dont keep anything past 7 years. They stated if I set up automatic payments then they will lift the charge off so the loan can go through. I did so. They transfered me to the loan department and they said they can't do anything about it that it was the charge off department. So now I've been on the phone for 4 hours getting transferred from the loan department and the charge off department. And no one is on the same page as the other. I spoke with 4 employees and 3 supervisors and no one was of any help. Here is the kicker. From XXXX to now I have financed and refinanced 5 cars, 2 personal loans, and 2 credit cards. Which were all approved! Not to mention they approved my loan to the other car the day before! They told me that the charge has always been there and no one should have approved any of my loans. I nor my spouse was told anything when we applied. We still have 4 car loans, 2 personal loans, 2 credit cards, 3 saving accounts, and 2 checking accounts from navy Federal. If navy Federal can not tell me where and when this charge off happen besides how it just miraculously popped up, im not going to shell out {$1200.00} for an error that navy Federal fail to do. It is not on my credit report and they stated it is not going to be because it was not a loan but I have had a charge off checking account with another bank years and years ago ( XXXX ) and that was on my credit report. Navy Federal employees and supervisors can not give me a direct answer besides I need to pay it.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past XXXX  years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next XXXX business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Money transfer, virtual currency, or money service

On XXXX I was forwarded a copy of a citibank official check No. XXXX Dated XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dollars. Which is made out to myself XXXX XXXX. I have never seen this check before. I have contacted CitiBank through the customer service numbers provided by CitiBank. I tried to use the CitiBank websites.I called the issuing bank located in the state of Delaware. To no avail, I am trying to obtain a copy of the check and the endorsement. No one person has been able to provide said copies or how to do so.All personal from CitiBank gave the same scripted answer that it was not availible. 
I need this documentation to recover these funds. I believe this is a fabricated endorsement if such a check was deposited somewhere. CitiBank is my personal bank and they have not helped a customer in need. These monies are part of a divorce settlement. I will be grateful for help in this matter.
Product: Mortgage

I hired an attorney to help me after my mortgage servicer, Carrington Mortgage, denied me for assistance in saving my home. I fell behind due to XXXX XXXX. My attorney says they emailed the servicer and faxed a 3rd party authorization and now Carrington Mortgage is telling my attorney it takes 30 days for their authorization to show up in their system. This is just more games Carrington is playing. My attorney says 30 days is not consistent with what is reasonable. RESPA Regulation requires servicers to respond to requests for assistance in a timely manner. Blocking out my attorney from simply speaking to them is a form of evading my request for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. Worst, they even reported it as duplicate account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get a credit card.
Product: Checking or savings account

I think someone made an account under my name with chase and keeps opening it up some how when I closed it with the bank and it keeps re opening and They told me that they think someone has stolen my social security but I didnt think anything of it in till now cause I keep getting statements thru email basically saying the account is active. Also my account got overdrawn somehow So i think someone has my social somewhere.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX  XXXX
Product: Debt collection

I applied for an apartment but then withdrew my application. My credit was run without my authorization and now National Credit System is trying to collect from me. The debt was never validated and I never received any notice about the debt. The debt is now listed on my credit report with the bureaus. I want the debt removed, as there was no authorization to run my credit or incur charges.
Product: Mortgage

I have had 2 refi expire because escrow inc has failed to provide a payoff letter.
Product: Credit reporting or other personal consumer reports

TransUnion has had dozens of opportunities to properly update the inaccurate information on my report. I have an extensive history with disputing their inaccurate reporting. Im no longer requesting an investigation into inaccurate information. I have attached my TransUnion credit report and have highlighted all inaccurate information found upon my review. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2022, I was shopping for a car. I asked XXXX to stop running my credit because I wasnt going to buy the XXXX from them. I had already purchased the car and I informed them of this purchase, yet they continued to run my credit.
Product: Money transfer, virtual currency, or money service

On XXXX I had customers pay through my website using the PayPal option. This was the first time I had ever used a PayPal business account. PayPal immediately froze and suspended my business account. PayPal could not tell me why this happened after I asked for a review. PayPal banned me for life, and they are holding my money for 6 months. I did nothing wrong and they will not give me my money.
Product: Debt collection

XXXX Was the original complaint filed on approximately XX/XX/XXXX. I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from 2018. I never received anythingThey tried to ruin my credit. I filed a complaint on XX/XX/XXXX and thought it was settled on XX/XX/XXXX with their response to stop collecting and remove this alleged debt from all 3 credit reports. This collection remains on my XXXX credit report. I had considered this matter closed only to find they did not keep up their end of the bargain. I want This remedied immediately. I have attached the XXXX report showing it still remains along with the teosinte form Jefferson Capital stating they would remove and stop collection efforts. I should not have to be dealing with this again. I trust when someone says they are going to to something they keep their word.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at these company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Product: Debt collection

XXXX XXXX XXXX continues to call my home number. We receive so many scam, spam and fraud calls that we do not answer unless we know who it is or what it is about. This company leaves voice mail messages that they are calling about an attempt to collect a debt. Many people in this household listen to those messages which I'm pretty sure it's illegal for them to leave such messages that anyone in the household could screen. I personally told them that they are leaving messages that anyone in the household can hear and that no one knows about any debt that they are trying to collect and suggested they send a letter. They have not done so. We do not know who they are trying to contact or for what debt. 

After receiving another call today I called them again to tell them the same thing but I was continually interrupted by the person on the other end. So the person was told they were going to be reported. Couldn't say anything else because the person on the other end continuously interrupted. To our knowledge no correspondence has been received from this company. Their number has been blocked before. It appears they change numbers.