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

On XX/XX/XXXX I filed disputes on serveral disputes on inquiries that were put on my credit report from XX/XX/XXXX to XX/XX/XXXX. The only creditor I allowed to inquire my credit in XXXX was XXXX XXXX, attached are the dispute resolutions I filled with XXXX which came back 2 days later on XX/XX/XXXX. I believe a thorough investigation was not done
Product: Bank account or service

In the XXXX, under very different tax laws, I opened two IRA cds at a small local bank near where I lived and practiced law. The name I used on the accounts was and is my professional legal name that was also my birth name, and a name restored to me after my divorce from my XXXX husband. At the time I opened the accounts I was married to my XXXX husband to whom I remained married until his XXXX 8 years ago. I have not moved or remarried since Chase has been the successor to my accounts. I use my XXXX husband 's last name socially, but still use my birth/professional name in some business situations and it is on one of my XXXX credit cards still in frequent use. Both names are on my bank account, both names have been used on tax returns filed jointly with my husband, and the annual tax statements supplied by Chase are reflected on my tax returns every year as untaxed IRA accounts. Two years ago I wrote Chase ( there are no Chase branches anywhere near where I live in my retirement ) and requested they disburse to me the proceeds of both accounts. I am at an age where I may remove these funds without penalty. They replied that I had to fill out extensive forms. I did. Then they wrote and said I had to have my signature warranted by my bank. I did. Every time I provided them with information they would wait a month or so then ask for more personal information. When my husband died I inherited his IRA and when I transferred it to XXXX I requested they contact Chase and have the funds from my Chase IRA transferred and combined as is allow under tax law. I told XXXX how many problems I had with Chase, but they said Chase would not argue with them. But Chase refused. I need my money for repairs on my house, so when I was in Florida, where I knew there was a Chase branch, I took all my files of years of statements from Chase and its three predecessors, my driver 's license, my Florida XXXX, my social security card, my current checking account information. Surely that was enough evidence for them. They promised to mail the checks for the 2 cd IRAs to me at the address that has always been on my statement and the place where I have lived year round for 22 years. Instead I got yet another letter requiring my " marriage license, divorce decree and a court order listing my new name. '' I have no new name and the name they have chosen for me is different from what I use as my married or my birth/professional name. I have only one social security number of course. I am not divorced, I am a XXXX. I called Chase and they gave me no reasons for their demands, stated no legal requirement that they think requires me to use this name. They refused to let me speak to someone in their legal department. This is rampant sexual discrimination and they have no valid reason to treat me with such disrespect. It is bizarre that they think they can make me change my name to a name I do not use, and that they have never had on my account, to fit some employee 's idea of what is correct. There must be hundreds of thousands of other married professional women who use their maiden name for business purposes. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out trans union about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report, reporting to XXXX XXXX XXXX  reporting an account with Continental Loans/Security Finance as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$5000.00} 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
Product: Mortgage

I asked for a forbearance agreement. Since the beginning of XXXX Bani of America has been sending me notices non-stop. Every single day almost. My house is not going anywhere. I requested assistance from the State of Florida to help fix up my house so I can insure it. I am still waiting on that assistance. That could be years in the 'State of Florida XXXX 

Bank of America removed my online access so I can't see my account online. They did this about 2 years ago. I can't get online to see what is happening with my account yet so far in the month of XXXX they have sent me about 10 notices. I am not sure what they want me to do? Rob a bank? 

When I asked them about this and this makes absolutely no sense they said because I had to wait 2 years for them to stop dragging their feet over a loan modification that they would not restore my online access because they dragged their feet for two years. 

I can't even go online to pay my mortgage. 

But they are just salivating at the bit to take my house away from me a XXXX XXXX yr old woman. They can't wait.
Product: Debt collection

Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. 

Im not paying no Collection Agency XXXX. XXXXXXXX XXXX  Resurgent Capital. Im not paying you XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX and this XXXX XXXX country XXXX. Give us back our holy land so yall can stop corporately scamming us. Stay yall XXXX XXXX XXXX  XXXX with this XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. 

Under the doctrine if estoppel by Silence, XXXX vs XXXX ( MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 15 USSC 1681 never giving written consent For LVNV Funding LLC Collections Agency to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681 is never giving written consent to furnish or obtain my information.
Product: Vehicle loan or lease

Mountain America works with a dealership who specifically sells branded/salvage cars. But on their website, it clearly states that they will not lend to branded or salvage cars.
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 card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

Synchrony Bank We were long time customers at XXXX and always used our Synchrony card for purchases. My wife and I have used them since first started out as a couple and spent over {$10000.00} over the past 5 years. Multiple beds, frames, mattresses, kitchen tables, entertainment centers, couches, you name it. 

This past XXXX we bought an XXXX couch which was to be delivered in late XXXX early XXXX. Come delivery time XXXX ( owner of XXXX ) had to delay 4x. Now we are getting into XXXX and XXXX says he has part of the couch to deliver so we say ok. He delivers half of the couch and stated the rest would be there by XX/XX/23 at the latest. Come that time it was still not delivered or available. At this point we asked what else we could do, XXXX knowing we were long time customers stated we could purchase those missing pieces elsewhere ( XXXX XXXX  ) and he would reimburse. The total cost of the missing pieces was {$1400.00}. So we purchased them and took the itemized receipt to XXXX who then proceeded to say he would not provide the refund. 

We disputed with Synchrony Bank because the product which we purchase still, to this day, has not been delivered. Synchrony Bank denied our dispute saying that delivery issues must be dealt with through the retailer. We are being charged for a product that has never been delivered feel as though this is unfair and deceptive by both Synchrony and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX ) XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be no other names or addresses on my consumer report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX. 
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 - XX/XX/XXXX - {$0.00} - Paid, was past due 90 days/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} - Pays account as agreed/CLOSED - XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, Experian and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. Please fix these, ASAP. Thank you. 
XXXX 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
Product: Debt collection

XXXX XXXX XXXX ( later renamed XXXX XXXX ) charged us almost $ XXXX for a solar installation which we got a loan for. GOODLEAP paid for it and XXXX XXXX XXXX breached contract, shut down multiple systems country wide, refused to come fix our unit and then filed Bankruptcy. Now we have a solar loan payment for a solar system that does not work, nor will XXXX honor the warranties of their products that were installed by XXXX XXXX XXXX, but rather sent us a list of other solar providers to call. They are all hours away from us. Now our energy bill is back up and our XXXX payment is just insult to injury. GOODLEAP stated that the counter suit of the customers of XXXX XXXX XXXX will liquidate the assets in court and should pay for it. Meanwhile we are supposed to wait and keep paying but thats not right. If we stop payment it will affect our credit and we will have to dispute the debt there too. Complains have already been filed with XXXX XXXX XXXX and XXXX, whom advised to ask GOODLEAP for debt forgiveness or a lowered pay off, which I was willing to consolidate our debts to pay off. GOODLEAP has refused to help, to relieve any of the debt and told us just to wait. That does not sound smart to me. I am joining thousands of other horrified clients of GOODLEAP and XXXX XXXX XXXX who think it is sinful what these companies have done, and their working relationship is questionable from the beginning, looking back. It is not all on us, the consumers, to have to jump hoops and bend over backward to attempt reaching any resolve or find helpful information beyond what has been presented. 

GOODLEAP should be the one to pursuit repayment of this debt that they paid XXXX XXXX XXXX for our non functional installation. They can get their money back from the XXXX  themselves.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I checked my credit report and found that I had a public account Bankruptcy showing the case number is XXXX is what displaying on XXXX i contacted the United States bankruptcy court and was told they do not report to the credit bureaus. I was lied to By XXXX I am requesting that this public record be removed
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( FCRA ).
Product: Vehicle loan or lease

i filed a complaint XX/XX/2018 i recieved a response abouy the company policy but it did not address the XXXX i paid for 23 month i paid out my contrack the tracking # XXXX thank you for help
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber Home Loans Acct XXXX is reporting incorrect information to XXXX. 
No late payments on account since this mortgage payments are being made by the State of Florida directly. Caliber is reporting late payments and XXXX is showing incomplete and inaccurate information which must be removed as per my rights under FCRA
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my prior complaint from XX/XX/XXXX. While I acknowledge and appreciate the removal of some incorrect items from my credit report, it remains affected by other unauthorized entries. There are still a number of unauthorized hard inquiries recorded on my credit reports, detailed as follows : EXPERIAN : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have already notified each company by certified mail that these inquiries were made without my authorization and demanded their elimination. Under the mandates of the Fair Credit Reporting Act, I insist on the removal of these unauthorized inquiries from my credit report. I would appreciate receiving an updated copy of my credit report after these corrections have been made.
Product: Mortgage

My mother passed away in 2014. We were told that she had a reverse mortgage through XXXX XXXX. I was in negotiations with XXXX XXXX in order to pay the loan off. I was told that I could pay {$84000.00} through a refinance. At this time, I tried to reconcile this account, but could not due to the title being in my mother 's name. I had to take her estate through probate in order to clear title. I informed XXXX XXXX of this matter and was told that they would wait to re-order a BPO after everything cleared the probate court. As the Executor of my mother 's estate, I proceeded to start the refinance process. The representative from XXXX XXXX informed me that they must order an updated appraisal/BPO. I proceeded on my end to get approved for a loan and waited for the representative to order the appraisal/BPO. To my surprise, I was served with foreclosure papers last month. I could not believe that while I followed all instructions and stayed in touch with the loan servicer, I was blindsided with a foreclosure filing. I understand that XXXX and CIT Bank are now one in the same, but I do not understand how CIT can not honor XXXX arrangement. I was approved for the loan and was told that I MUST wait for their appraisal/BPO to proceed. I have done everything required of me and this is unfair and unjust to our family.
Product: Debt collection

This debt collector has placed this item on my credit file. I was never notified of the debt. We have XXXX different insurances. XXXX, XXXX and XXXX for life. We do not get medical bills. If there had been written notification we could have contacted the insurance companies about this. Usually this is a missed issue by the medical facility that billed.
Product: Credit reporting or other personal consumer reports

Recently disputed these accounts with all three credit reporting agencies. Neither put these accounts in dispute ( Consumer disputes this account ), which is a violation because its been over XXXX days. I was never late on these accounts. These accounts have duplicate account numbers, which is another violation, as I opened them separately for different amounts. I demand that the late payments be removed ASAP. I have proof i paid on time monthly.