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

I requested Equifax to show me how they validated a debt on my report by mail twice, they failed to do so on both request. They are still reporting this erroneous debt, without showing me any validation which is a violation of the FCRA. They finished their investigation on XX/XX/2021 and didnt inform me, i attempted to check the results and their system wouldnt allow me to. Photos have been added to this complaint.
Product: Debt collection

Currently there is a two open collection medical accounts reporting on my credit report with XXXX XXXX. I have requested the accounts be deleted from my credit report. For this is against my rights and privacy with the HIPA laws.
Product: Consumer Loan

XXXX was the financing agent, they gave financial advice, saying that I would easily be able to purchase the van immediately with their high interest loan, then obtain financing from the XXXX XXXX XXXX XXXX the next week, however when I went to the XXXX XXXX they said that I could not finance the loan because of all the add-ons had pushed the finance amount far above blue book. Over XXXX and permanently XXXX, only social retirement and my XXXX pension as income, I did not mean to spend as much as my house payment on a high interest car loan. I have been paying XXXX XXXX dollars a month for months and the principal is not even paid for yet and the van is depreciating rapidly, the interest payment seems to be {$360.00} per month so I can not address the principal. I knew the car payment was XXXX dollars, however I did not imagine that this was only the interest payment and the principal was never to be paid off, or I could have just leased a vehicle, I would never have gotten into such a bad deal as this!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under and open end consumer credit plan as late for a purpose.
Product: Checking or savings account

I have had a Chime checking account for a few months and use the debit card for daily shopping both online and physically. In XXXX, I went to XXXX for a trip and encountered an ATM withdrawal issue. The machine did not dispense cash but my account balance was deducted. Chime denied my dispute without even disputing the merchant for me. My claim ID is XXXX, with total disputed amount {$850.00}. 

XX/XX/XXXX, I tried to withdraw cash by using Chime debit card at an ATM machine in XXXX. I tried in XXXX XXXX for about equivalent of {$350.00} US dollars ( the exact amount after currency conversion is {$340.00}. ), but the machine did not dispense any cash. At that time, I could not get hold of the ATM bank since it was at night. 
XX/XX/XXXX, I called the ATM bank and was told that the machine should be good and I could try again, and call them if that happened again. According to their instruction, I tried again at the same machine but encountered the same issue. At first, I tried to withdraw about {$350.00} in XXXX XXXX but the machine did not dispense any cash. During that time, I was in urgent need of cash because many merchants only accepted cash in XXXX. So I tried the second attempt but could only withdraw about {$150.00} because Chimes daily withdraw limit of {$500.00}. However, the same issue happened, the machine did not dispense any cash. 
XX/XX/XXXX, I called the machine bank again and was told they would need some time to resolve the issue. In addition, they said if I could not stay there to wait for the outcome, I could call my own bank and they would work with my bank. During all the communications, there was a language barrier between myself, not a XXXX  speaker, and their English-speaking staff not being fluent at all. One thing they were correct was that I could not stay there waiting. 
XX/XX/XXXX, I called Chime to dispute the total amount of {$850.00}. 
XX/XX/XXXX, Chime emailed and denied my dispute. I requested the document for reasons of denial. 
XX/XX/XXXX, Chime sent me a document stating their reason for denial. Basically, their reasons were : my withdraw velocity was high, amount was up to daily limit of {$500.00}, at the same ATM machine, and my account was newly opened in the past 3-6 months. 

I do not accept Chimes decision solely based on their own assumptions. Daily limit of {$500.00} is not a large amount and it is very reasonable for normal travel use. They did not even bother to fill up a form to dispute the merchant at all. What I have felt is that there is no client protection by using Chime debit VISA card. Therefore, I am submitting a claim here to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Medical Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Product: Mortgage

On XX/XX/2020 I submitted a request to have my Private Mortgage Insurance removed having just paid the principle down to 78 % XXXX. One of the conditions of cancelling PMI is to provide evidence that there are no secondary liens and evidence that the property value has not declined. I have asked numerous times for XXXX to tell me what the evidence is I need to provide to have my PMI cancelled. Nobody is able to answer my questions and I am unable to get PMI cancelled without this information. They are effectively denying my cancellation request and violating XXXX in the process. 

I am asking for intervention to make them tell me the proper evidence needed to remove PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit several times from different vendors who use Experian. I have been told I have no credit history. I recently attempted to refinance my home and was told no score from Experian. 

On XX/XX/2021, I called Experian and was on hold for over 20 minutes. When an overseas customer service person came on the line, she was adamant that I had no credit because the only credit card I had was closed. I told her I am a XXXX-year-old male who has had 3 different mortgages, new car purchases, several credit cards, and decent credit ( XXXX ). She said she would look into it and then said she could not figure out why it wasn't showing my creditors infromation. She said she would get the DATA department to speak with me and placed me on another 15 minutes hold. A second person answered ( also overseas not DATA department ) and I had to explain my issue again - he too couldn't figure out why. MY frustration was getting too high and I asked him for a representative in the US. He said he would get one on the line right away, and put me on another 20-minute hold until I hung up. I called another number for Experian and got transferred to a customer service representative, overseas of course. This person had no idea why either, the rep offered to send me a copy of my credit report, not fix my issue- ridiculous. This is ridiculous that Experian is reporting incorrect information and I get the runaround and placed on hold by unknowledgeable customer service representatives. Sadly Experian is the worst in customer service and is the only bureau that is reporting my credit incorrectly. This is an important issue as this affects my family 's livelihood and mine!!!! Fix it!!!!
Product: Credit card or prepaid card

I was defrauded by this business. I was charged {$39.00} to renew my phone service as stated but two days later I received a receipt showing additional fees that totaled {$45.00}. Then I received another email trying to defraud me again saying I had to pay about {$60.00} to cover 911 service in my area. I checked with the XXXX XXXX XXXX police department 911 service and they said that was a lie. I never used their service and tried to cancel it after finding out these facts. They refused to cancel this service. Discover cards own policy allows for charge backs when the amount agreed on is different then the amount charged. I did not know the overcharged me until two days later when I asked for a receipt for my purchase. The FTC said it is a violation of the Truth in Advertising act. Likewise, the credit card company is charging me interest even being they are violating the Truth in Lending and Fair Credit Card act. The last time I emailed them on their website was XX/XX/2019 refusing to provide me a charge back under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lexis Nexis report indicates that XXXX XXXXXXXX XXXX  ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my Lexis Nexis file was frozen. 


XXXX XXXXXXXX XXXX didn't have my permission to request a report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax, XXXX and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.
Product: Debt collection

My issue is with Midland credit mgmt. They keep calling and calling from multiple 3rd party numbers directed through the US from an office in XXXX and I have not authorized anything from them and tell them to contact me after work hours from a US based office to review there claims of debt., they are pushy and dont want to take no for an answer even after stating that I am at work and can not talk. My wife had an issue with them as well and after she did pay them, they stated she never made final payment and kept charging late fees and refused to work with her.
Product: Debt collection

I have been contacted on both my personal cell phone and my employment phone by a gentleman stating his name as XXXX XXXX calling on behalf of US Fast Cash from XXXX Pennsylvania with the phone number XXXX He has been aggressive and has used foul language and insults. He has called multiple times in a short period tying up all phone lines. I have been in contact with him multiple times requesting that he no longer call my place of business but he insists that he will continue the calls until the debt is paid. The alleged scenario is that I was given a {$300.00} payday loan from US fast cash with all of my personal info such as account number and SSN involved. I allegedly never repaid this loan and now owe {$680.00} that this company wishes me to settle over the phone in payments or else I will be charged with several counts of check fraud and currency fraud in a " courthouse '' and I can even face jail time. I am not familiar with a company called US Fast Cash nor do I have any outstanding {$300.00} debts or fraudulent checks. I never gave any establishment permission to keep my SSN, bank account number or to call my work. I am being scammed to pay {$680.00} that I do not owe or else face non-stop threats and calls to my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information attached to the information below is incorrect and invalid, the incorrect reporting has affected my day to day living. 

DEP/ED XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I have been receiving harrasing calls and emails from a company called genesysnationalrecovery.com, they even have my mother number and ask for me. They are trying to collect a debt of a purchase of furniture on another state I haven't even been to in my life. They are trying to recover for a store called XXXX XXXX  XXXX thats on XXXX PR and I live on XXXX PR, that's XXXX hours of travel. They have been harrasing me and today XX/XX/XXXX I received a call that I was going to be served to go to to court. I called the store to verify and indicate that I was not the person they were billing. They continue to harras. I've been contacted various times by phone, to my mother 's phone, by email. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The company representatives have different phone numbers and the info I can give on them is this Account Consultant Genesys National Recovery , Inc . 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX Direct Phone : ( XXXX ) XXXX Office Phone : ( XXXX ) XXXX
Product: Mortgage

In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have two loans with them and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of the checks.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration with the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report. These fraudulent items are severely damaging my credit profile, negatively impacting my financial well-being, and causing significant distress. 

There are accounts listed on my credit report that I believe are the result of identity theft or fraudulent activities. These accounts do not belong to me, and their presence is unjustly damaging my credit score. 
I have made several attempts to dispute these fraudulent items by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

Unfortunately, my efforts have not yielded the desired results, and I continue to face the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my disputes. 

The delay in addressing these fraudulent items has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities. 
The presence of these fraudulent items continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into the fraudulent items I have reported and take swift action to remove them. Additionally, please provide me with timely updates on the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify these fraudulent items. I am asking for your help to remove the fraud items in 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
Product: Mortgage

Nationstar Mortgage bought my home loan and then hounded me to refinance at an lower rate for a modest loan fee, until I agreed to start the process. Over the next XXXX months, they raised the rate after it was locked in many times, until it was no longer attractive, when they simply stopped contacting me. I have a huge number of documents about my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly. 
15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine. 
*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The date opened/date closed/last payment date is inaccurate on the credit bureaus. Also the account number is incomplete ; this is grounds for removal. Due to the fact is claimed as fraud from a federally protected consumer it must be removed from consumers report according to " Fair Cares Act. '' Anything a consumer reports as fraud must be removed from the consumers report within 4 business days of fraud receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S. Code 1681b-Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately. 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO ND XXXX XXXX CO - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 258 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Debt collection

I have been receiving robo calls and texts stating that this is a final attempt to reach me before forwarding the file to my place of employment. When I did call back the first time, the man had my social security number and said his company would be adding my spouse to the debt because they could do that in Missouri. He never announced what company he was calling from. XXXX questions asked if I was recording the call or if anyone else was in the room. He was very rude and unprofessional. Offered a " deal '' and when I asked when it would have to be paid he yelled and said he was marking it as a refusal to pay. Received text requesting a return call and I called. This time, " XXXX XXXX '' answered on XX/XX/XXXX about XXXX XXXX CST at XXXX. I told her I have not received any verification of debt. She told me to hold on and she would send it via email. She sent it, but it had some grammar errors and red flags in the letter, so I terminated the call. The letterhead lists the company name as American Elite Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.