23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXXXXXX XXXX also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my XXXX AND XXXX
Product: Debt collection

Account was dispute on the Credit bureu and response was that info is accurate. I called GLA on multiple accounts and my info like full social security was requested wich i decline to offer. 
On XX/XX/2020 I called the company wich I was answered by an collector named XXXX. I indicated I needed all the info regarding this account charges since they claim is accurate in order to move with this information to a lawyer since I assure the account does not belong to me. The collector XXXX who refuse to provide his last name for records indicated that he can not provide any info since I mention the word lawyer that the only thing he could help was if I volunteer to make the payment. 

He indicate that the call was being recorder and that he could not help with anything else. exept volunteer payment of the debt and no info can not be provided since the word lawyer was mentioned. 

I clarify once again that part of the process is for me to gather the info of the debt in order to move with a lawyer to make any additional request necessary. 

Currently the company is adding depts to my credit report and denying to provide debt information in order to clarify the identity teft.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I keep calling loan depot but i never get through I am trying to get forbeance on my loan payments for my home
Product: Credit card or prepaid card

Closed my account : XX/XX/XXXX Amount : Entire Balance My account was closed without my knowledge. When I realized, i called the walmart credit card and asked them why. They said they weren't sure, complimented how I had never missed a payment, and how it was in good standing. My credit score just went up, and I received a brand new updated card. They told me to wait for a letter to be sent because they weren't sure and had no information when I called ( XX/XX/XXXX ). So I wait and a letter arrives, I get it ( End Of XXXX ), ( name on paper is spelled incorrectly ). And the indications stated under the reasons why they closed my account are not associated with my account. So I called the Synchrony Bank ( XX/XX/XXXX ) and receive just as much info as the walmart credit card associate, he tells me that they make judgments based off a score they receive which decides if the card holder could pay back the balance. He said my score was low, which makes no sense since the lady from the walmart credit card told me my account was in good standing and i never missed a payment. So after that call ended, I called XXXX, no one answered, all automated, and i wasn't able to speak to anyone about it, there was no option that was associated with my complaint. I was making payments, and they are still charging me interest. I have been a cardholder for over a year. I've never missed a payment and always kept it in good standing, and as a reward my credit score dropped 30 points.
Product: Credit reporting or other personal consumer reports

Was not notified of breach I'm a first call member capital one class action lawsuit. 

Have contact and only was had up over the phone.
Product: Mortgage

I am a licensed real estate agent working with a borrower to accomplish a short sale. Bayview Loan Servicing is refusing to assist the borrowers because they stated they do not have enough time  according to CFPB rules. Bayview received the short sale file on XX/XX/XXXX when the borrowers had a foreclosure sale date on XX/XX/XXXX. The borrowers were able to get the judge to grant additional time until XX/XX/XXXX so Bayview could review the borrowers for a short sale but they still continue to refuse based on the CFPB rules. My understanding is that once the file is submitted, the lender should have at least 37 to 30 days to review in which Bayview has this time. In addition, Bayview informed me that the net proceeds need to be $ XXXX in which the net proceeds exceed the amount at $ XXXX. Bayview is using the CFPB guidelines as an excuse to not assist this homeowner avoid foreclosure. NJ is a judiciary state.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach XXXX via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my XXXX  report but they were not authorized by me and are a result of the identity theft I am suffering. Discover Bank
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My concern is that I am supposed to be in a repayment plan. And XX/XX/XXXX is supposed to be the last payment of {$720.00}. This amount is the same from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I asked a representative " after I make these payments will this bring me back to current! And the representative said yes. He was a man. The representative said your payments will go back to {$480.00}. The new mortgage servicer ( Loancare , LLC XXXX XXXX. XXXX XXXX XXXX, PA XXXX. Telephone number is XXXX ) is asking for {$480.00}, and I am not finished with the repayment plan which is due on XX/XX/XXXX. XXXX XXXX # is XXXX I will just say, for several years this has been my main concern ( mortgage ). I moved form XXXX XXXX to XXXX XXXX XXXX   Mortgage Servicing, a division of XXXX XXXX to Loancare , LLC. I tried to contact XXXX Mortgage Servicing, at the number that I always use and the new servicer picks up the phone. On another occasion I called the number that I received in the mail on Saturday XX/XX/XXXX. And they said that they could not see any thing yet to call back on Wednesday or next week. New servicer is XXXX.
Product: Debt collection

Rent automatic debt LLC saying I have XXXX evictions I owe XXXX XXXX. Same apartment complex XXXX  at XXXX XXXX in XXXX tx with XXXX different account numbers I had a bounced checks and pets don't have checks our pets never could provide documentation with my signature or a copy of the bounced check no point of contact.
Product: Vehicle loan or lease

I have used Navy Federal Credit Union ( NFCU ) on numerous occasions over the years to finance purchases. I have always had a very positive experience. In XXXX, I purchased a new vehicle, and NFCU was the lender he chose to finance the purchase. I continue to make all of the payments as agreed. About two months ago, NFCU reached out via mail to ask me to sign another original Promissory Note, Security Agreement, and Disclosure. Issue The issue on the electronic Promissory Note is that he was promised a rate of 4.79 % at application, and the electronic Promissory Note I signed incorrectly reflected the rate of 5.04 %. When I realized this error, I brought the mistake to NFCU 's attention, and the NFCU employee immediately corrected my online loan account. Then, NFCU sent out another original Promissory Note for me to sign. The main issue here is that I am being forced to sign two live Promissory Notes without either one being labelled as a substitute or a corrected agreement and without any documentation from NFCU that this additional Promissory Note is a substitute for the one I originally, electronically signed. 
Contact : I initiated at least two different calls to NFCU to try and straighten out why they wanted me to sign another original Promissory Note and Security Agreement versus a " Corrected or Substitute Promissory Note Agreement '' to prevent two live Promissory Notes ; I attached page XXXX of the electronically signed Promissory Note. I went to the XXXX XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX to explain that I only wanted it in writing that this new Promissory Note was a substitute for the original electronically signed Promissory Note. The Customer Service branch employee stated that NFCU could not provide that statement -- indicating that the new Promissory Note was being substituted for the original electronic Promissory Note. 
Threat : Furthermore, the Branch Customer Service person threatened that if I did not sign the additional Promissory Note within 90 days of the original Note date ( XX/XX/XXXX  ) NFCU would increase the loan 's rate to 18.99 % -- I am assuming that NFCU would convert the loan to an unsecured loan, which the loan is not because NFCU has the original, electronically signed Promissory Note I signed the day he picked up his check to purchase the vehicle. Please Assist This mistake was not my mistake, and all I am trying to do is correct the error NFCU made without running the risk of two live Promissory Notes floating around NFCU 's vault or at the very least something in writing from NFCU that the second written Promissory Note will be substituted for the original electronic version. Additionally, this letter should indicate that upon receipt of the substitute Promissory Note that the original, electronically signed Promissory Note will be returned to my possession marked " VOID '' to avoid future issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$610.00XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TRANSUNION : XXXX XXXX MO XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$690.00} XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXXXXXX XXXX  XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or consent.
Product: Debt collection

This credit card company allows its client to charge for services not rendered. They put charges on accounts for 12 months same as cash but when those amounts are altered neither companies make corrections. For over 5 years I fought for my billing statements to be corrected. To honor amended contract. The first salesman over measured for the merchandise. The XXXX remeasures and informs company of errors. The salesman amended the contract, it went from XXXX to XXXX. My bill continued to display XXXX. The salesman canceled the order and according to the ordering clerk he never reordered. This company sues me for XXXX after 2 years of court hearings. I then take their client to court and they request mediation. The representatives look at all my paperwork and call their law department and were told to settle with me that day. Small claims court does not allow XXXX lawsuits which is what i was sued for. For years I've told both companies I NEVER RECEIVED THE MERCHANDISE!! Now I'm being forced to pay their lawfirm for something I never received. The amount is inaccurate, the interest charges are over inflated. Their client often display bad business practices. I've talked to XXXX XXXX firm, whos had several lawsuits against their client. I read the XXXX 's case from Ohio as well as many others. This client stopped offering the services I signed a contract for and never made us aware. I filed XXXX disputes that I believe were just brushed off. I mailed paperwork to the XXXX of this company in XXXX and I haven't heard back from them. I've sent paperwork for this new issue to complaint # XXXX. In XXXX. I feel as though I've been discriminated against. I am retired due to health issues, and it's my honest belief that this all has contributed to my issues.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with XXXX XXXX XXXX XXXX ( a ) XXXX report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$100.00}, Account rating : Closed, Last Payment : XX/XX/XXXX XXXX report : XXXX XXXX XXXX  - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$100.00}, Account rating : Paid, XXXX report : XXXX XXXX XXXX XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$0.00}, Credit Limit : {$100.00}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address.
Product: Credit card

I was slammed by a CSR in the XXXX of XX/XX/XXXX. I would have never agreed to sign up for debit protection, but the CSR told me that you could file a claim and be eligible for debt protection even if you become unemployed voluntarily. I outright asked the CSR " so if I quit my job I would qualify for debit protection? ''. The CSR said : yes even if you quit your job. So from XX/XX/XXXX through about XX/XX/XXXX, when I quit my job, I was unaware that I could not deploy my debt protection. I held on to it for a while, hoping to get an unemployment appeal decision in my favor. I called the CSR for the credit card services. Several times and told them I was slammed by a CSR. They always agreed that I should get reimbursed. The last time I talked with some body about it, he told me he was in charge of all of this and was looking into it. I never heard back from him. It was about a year ago. I started working a split shift, over 12hrs away from my XXXX mile daily commute. ( that is a 14 hr day way from home ) I had no time to investigate. When I finally had some time I called. They talked to supervisors that said it was so long ago, and there was nothing they could do. I have been asking all along about the recorded phone calls. They always tell me they can and will pull them and they do exist. I did the math and i 'm out {$1800.00}.
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXX XXXX. I do not have a contract with January Technologies , Inc. They did not provide with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan stopped reporting in XXXX of XXXX after filing bankruptcy XXXX  XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting navy federal since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. Navy federal assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and XXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with navy federal and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.
Product: Credit card or prepaid card

Hello, my claim # with NetSpendXXXX My name is XXXX XXXX and I am set on a fixed income with social security I have been using NetSpend which is XXXX XXXX XXXX for my SSI direct deposit and on XX/XX/2022 I received an alert that {$730.00} was taking out of my account from some company called so, I called NetSpend right away, I panic and told NetSpend who took it out and they told me some company called XXXX XXXX at XXXXXXXX XXXX {$730.00} was taking out I did not give no one any authorization to take monies out of my account, I never gave anyone my card # never gave my card information. Netspend told me that they will resend me a new card and put in a dispute this was on XX/XX/2022 they have all the records on my phone calls to them and I called back and found out that they never started the dispute on the XX/XX/2022 I can not believe that they told me this after the person knew that I was panicking and worried about this and told me they will take care of the dispute. Now on XX/XX/2022 is when they again told me that my dispute will start here I go again with trying to get all my {$730.00} back this time they told me to call back on XX/XX/2022 and I told them please help me because I need my medicines and do not have any money for my things that I live with I also, have my bills to pay that are scheduled. I need help for some XXXX to help expedite my claim and get my monies back even when I cried to them that I have no money for gas or food they left me on hold for XXXX minutes and hung up on my and I had to call again and they left me on hold for a long time again this time I asked for a manager because I asked them that they did not take my case on my initial XXXX phone call and make me wait more days and then I called on the XXXX of XX/XX/2022 and they told me they can take ups to 120 days but how when your bank is secured with FDIC and they never explained to me the correct portal call. Why could they not tell me everything when I called them on XXXX XXXX instead they give me the minimum of information like if they are trying to set me up failure??? I need help PLEASE some XXXX call to Netspend and let me know how do I get my money back its going on 25 days. I really can not wait for 120 days. My cell phone number is XXXX and NetSpend is XXXX I need my medicine please. I live on SSI I had to contact someone to help with finding your website. 
XXXX XXXX LAST XXXX OF MY CARD IS XXXX