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

I 've contacted the 3 credit report bureaus XXXX XXXX, Trans Union, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, Trans Union, and XXXX! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} AAFCU XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$420.00} XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX # XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/2022
Product: Debt collection

I have an auto loan with Ally Financial. I will be returning the vehicle to them under voluntary repossession. I notified Ally in writing of this and also notified them that I was revoking their right to make contact with me vial phone or text. This revocation was done in writing as directed by the Fair Debt Collection Practices Act, and was sent via USPS registered mail with signature required and a return receipt. Ally signed for the letter on XX/XX/XXXX. Since then I have received eight additional calls from Ally, attempting to collect this debt. I have contacted them and told them of the letter and that they had received it and signed for it and not to call me again, to communicate with me via written letter. They have ignored the revocation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Correct the account below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I was in a very desperate position, financially, and found maxlend online. I went through the application process and was approved for a loan. I received a call from a live agent, and her and I went over how much I wanted to borrow. Originally it was {$500.00} until she told me how much Id be paying each payment so I asked what the minimum was, which was {$400.00}. I was told that it would be either 9 payments of {$100.00} or 18 payments of {$53.00}. As anyone would, I assumed the 18 payments would be every two weeks when I get paid or the 9 payments would be monthly, as the loan term is for 9 months. I even asked what the interest rate was in which she couldnt tell me for whatever reason. Likely bc its 650 % and she knows I wouldve hung the phone up right then. Lastly I call them furious, get nowhere and decide Ill look at the agreement and to my amazement the 18 payments are not for {$53.00} ( that was just the first payment ) the 18 payments are 18 payments of {$100.00}! Nobody with a functioning brain would agree to pay {$2000.00} back on a {$400.00} loan. I most certainly would not have. Very deceptive and extremely predatory!
Product: Money transfer, virtual currency, or money service

I text XXXX Customer Support ( Goldman Sachs ) about an authorized charge on my account back in XX/XX/2020. They suspended the charge and ask the vendor XXXX XXXX XXXX   for information about the charge in the amount of {$260.00}. No information was ever provided to me yet XXXX reversed the credit and charged my account again. I asked to have the account closed due to their poor service. I paid off the balance and asked XXXX to refund the money to me for this fraudulent charge. While they keep reciting you'll never be held responsible for paying for a charge you did not make they will not permanently credit me or show me signed proof that I ordered some ridiculous XXXX hear whatever that is! I tried recently and was transferred to several Goldman Sachs reps who I could not hear on the phone and requested a call back from a manager as well as a refund. To date I've received nothing from XXXX. Please help!!!!!
Product: Mortgage

I recently received a mortgage financed by your company. I also just received notice that my loan has been transferred. 
I am trying to have my escrow account for property taxes adjusted. I am exempt form property taxes because of my veteran status. I am trying to have my monthly payments reflect the new escrow amount. 
My current monthly payment is {$1700.00}. With the adjustment for property taxes my monthly payment will be approximately {$1600.00}. When I tried to make a payment by phone today I wanted to pay {$1600.00}. However, since there are no documentation currently that reflects my tax payments I was told that I need to pay {$1700.00}. 
I have submitted the required paperwork proving my exemption status twice. I believe in the process of the loan being transferred my documentation has not been received. I have also called several times to have this situation taken care of but, receive a different answer every time. 
I want to make my payment on time however, I only want to pay the amount that reflects what my tax escrow account due. I am asking your assistance with my position in this situation.
Product: Credit reporting or other personal consumer reports

TRANSUNION LLC is in Violation of 15 USC 1692 { g } They were to NOTIFY me in Writing FIVE { 5 } Days Prior to RE-INSERTING a Debt Back onto my Credit Report. I was Not NOTIFIED, as the Original Creditor, Only I can Validate this Debt I do not Validate this Debt so Therefore, The Following Accounts must Be DELETED from my Report IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Reporting of these Accounts is/Are Violations of! % USC 1681 and The FAIR CREDIT REPORTING ACT ( 15 USC 1681 { a } { 2 } { b }
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items of information, other than records of convictions of crimes with antedates the report by more than 7 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: Vehicle loan or lease

I recvd an auto loan from DriveTime in XX/XX/XXXX for a XXXX XXXX XXXX. The vehicle was to be used for work/home. Unknowingly, the vehicle was one with several recalls that caused the vehicle to constantly have issues that impaired the quality and driving of the vehicle. These issues also required me to take off work for repairs under their limites warranty service agreement. The loan was provided at a high interest and overtime, I notice the owed amount never reduced and I struggled to Mantain payments. The loan was then seemingly turned over to XXXX without my knowledge or consent. Their customer service is poor and collection tactics unethical. I constantly try to understand why The loan is still averaging {$16000.00} for a car that is worth {$4000.00} on today 's market. The reps continue to say this is what I agreed to. I believe I am a victim of a PREDATORY LOAN. I am in the process of modifying the loan so I can get leeway on the payment that are $ 400+ a month. However, the service rep XXXX XXXX was very rude and nasty towards me trying to understand why the loan originality dates did n't match up on the documents and that of the account online. Theywere pressuring me to sign the documents before the allowed 48 hour time frame and he continued to call and email and text me within that 48 hour frame that the approval for a modification was recvd. I  still have no answers to understanding the loan or why all these payments have n't reduced the owed amount. I also dont know why the loan is extended for another 3 years. I dont think I should be paying for a XX/XX/XXXX recall all the way until XX/XX/XXXX. That 's kind of scamy scary business. I need justification and clarity
Product: Checking or savings account

Chime is denying my dispute for 2 fraudulent ATM withdrawals with no proof of Investigation. Chime has not provided me the documents of Investigation that I was supposed to receive. I have 2 withdrawals from an ATM for {$180.00} each that I did not make. I had my card at the times of withdrawals. I have multiple proofs of my whereabouts with XXXX XXXX  and XXXX XXXX. I have proof that Chime asked me through text message if these ATM withdrawals were legal and I responded no, and Chime let them go through anyway. I HAVE A POLICE REPORT AND CASE NUMBER. I have a text message from Chime asking me if a {$60.00} transaction was made by me at the same time as these ATM withdrawals and I said no. Chime denied the XXXX dollar transaction but not the two {$180.00} dollar transactions.
Product: Mortgage

I applied for a conventional home mortgage with Wells Fargo in XX/XX/2020. 
On XX/XX/2020 they took {$570.00} payment for a future appraisal on my Wells Fargo Visa credit card. This appraisal never took place, and my loan application did not have an active purchase contract. 

After waiting four weeks for Wells Fargo Home Mortgage to decide what down payment they wanted - first it was 3 %, then 5 %, then it jumped to 20 %. Meanwhile, the home I wanted to purchase was still on the market and could have been sold.I finally decided to go with XXXX XXXX - which always only wanted 5 % and never gave me misleading information. 

On XX/XX/2020 I asked Wells Fargo Home Mortgage to close the loan application and that my credit card be refunded the {$570.00}. 

Wells Fargo to this day, XX/XX/2020 - almost 30 days later - has not closed this loan application and has not refunded my money. Despite multiple written requests and two Wells Fargo " executive level '' complaint escalations in their system. I was told they are too busy to refund my money - remember, this appraisal NEVER happened. 

This amount is taking credit available from my credit card and I am paying interest on it. This is a fraudulent charge/transaction. 

Furthermore, on XX/XX/2020 I received a new loan estimate and rate lock!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX - XXXX - XX/XX/XXXX - {$7100.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXXT - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$9400.00} XXXX - XXXX - XX/XX/XXXX - {$7000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$7200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} Bankruptcy - XXXX - XX/XX/XXXX - XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax XXXX XXXX XXXX - XX/XX/2024 Equifax XXXX - XX/XX/2024 Equifax XXXX - XX/XX/2024 Equifax XXXX - XX/XX/2024 Equifax I been threw identity theft I will like this remove off my account thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not respond within 45 days This puts them in a direct violation of the FCRA : Failing to respond to your written disputes within 30 days ( a 15 day extension was granted because of Corona ) FCRA Section 611 Part ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an error on my credit report regarding XXXX XXXX XXXX XXXX. My report currently shows a XXXX and XXXX late payment, but it skips the XXXX late payment marker. In reality, my payments on this account were made on time, and there was no delinquency.
Product: Debt collection

ORGINAL DEBTOR : XXXX XXXXXXXX BANK XXXX XXXX : PORTFOLIO RECOVERY ASSOSIATES, LLC Original problem- I paid XXXX XXXX Bank on time every month. I'm On SSI, so when i got paid 2 days early one month I paid COB 2 days early. They put that amount into the month prior. I tried to get them to shift the payment to The next billing period but they wouldn't. I didn't have any extra money to send to them so I Told them they aren't getting anymore out of me. 

Current problem - They sold my information to Portfolio Recovery Associate 's, LLC. 
Ever since then its several phone calls a day. One in which is an aggressive sounding voice message. Not only that but they never gave me a notice informing me of my RIGHTS to dispute nor a form to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the removal of an account that was deleted from my XXXX report but remains on my Equifax and XXXX reports. The account in question is XXXX XXXXXXXX Despite XXXX  removal of this account on XX/XX/year>, it continues to appear inaccurately on both Equifax and XXXX. 

I have already contacted these bureaus directly without resolution. This is a clear reporting error, and I insist that it be corrected immediately. I am requesting your intervention to ensure this account is removed from both Equifax and XXXX. 

Attached are copies of my reports from Equifax and XXXX showing the issue, as well as documentation from XXXX confirming the accounts removal. 

Please take prompt action and confirm once the matter is resolved
Product: Debt collection

I have been contacted by a collection agenc y, Diversified Consultants, in   representation of  XXXX  about a bill that they say I owe on account that was closed in  XXXX   XXXX . This account was closed with the amount of  XXXX . due. Which I was willing to pay, however I received a bill from the first collections agency "   XXXX   XXXX   '' on  XXXX / XXXX / XXXX  for the amount of {$420.00}, which is double what the service bill was actually for. Then on  XXXX / XXXX / XXXX  I receive a new bill from  Diversified Consultants telling me I owe {$810.00} which is now almost 4 times the a ctual service amount due. I refuse to pay this balance because it is incorrectly being billed. I have contacted Diversified via letter and they have responded back with an invalid " made up '' final copy of my  XXXX   XXXX  because this is  one I 've never seen nor could I imagine it going up when the account was closed. I have attached all documents including a check stub from the FTC about these same collectors a nd their invalid information regarding  XXXX  where I was paid a settlement amount. I refuse to pay this and deal with this so I am reporting them to you. I would like them to remove this account from my credit report and also advise them whatever " records '' they say they have blocking me from ever getting a  XXXX  phone account again, relinquished. I also want a formal letter from them responding that this has been completed. All verification documents are attached.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Experian and XXXX on XX/XX/year> after reviewing my credit report and asked if the items listed on my report to please be removed due to its inaccuracy. On XX/XX/year> I followed up with the same XXXX reporting agencies to find nothing had changed. And upon following up on XXXX other avocations over the past 15 months I would like to file a complaint.
Product: Mortgage

XX/XX/XXXX I went to pay my mortgage and they sent the charge back stating I did not have enuff. XX/XX/XXXX. The money was back in my account and I went to repay the mortgage. XX/XX/XXXX the mortgage payment was processed. XX/XX/XXXX the mortgage payment was then processed again. I called to have this issue resolved and they said I have to provide proof and wait weeks for my refund. XXXX in 3 days and I have to wait weeks to get half back.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX
Product: Checking or savings account

On about XXXX XXXX XXXX XXXX, a Chase phone representative allowed someone to add an XXXXXXXX XXXX XXXX to my account and texted them a passcode to get into my account where they were allowed to enable wire transfer, add themselves, and wire {$4000.00} to themselves in XXXX. I was never contacted and never approved this. I noticed it and recalled it the same day. A Chase representative lied to me and told me no changes were made to my profile and that the user used facial recognition to get in. His supervisor said he was incorrect and had no idea where he got this false information from, and that she would resubmit my claim and that I should be approved. They have failed to respond for over two weeks now.