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

There is a child support account reporting on my consumer reports on both consumer reporting agencies. ( Experian and XXXX ) I want this account removed because it is an incomplete account and a paid off debt that has been closed since the year 2016. That statute of limitations on debt is 6 years in Tennessee. It has been almost 7 years later. The account is inaccurately reporting on both consumer reporting agencies and pursuant to the Fair Credit Reporting Act of 15 USC 1681e ( b ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account mentioned is incomplete and therefore inaccurate.
Product: Student loan

I believe I am the victim of a predatory student loan company that is demanding repayment in full on a XXXX XXXX XXXX which I did not receive or use from 10 years ago. I have made every attempt possible to resolve this matter directly with the loan provider but have been unsuccessful at obtaining any answers to my concerns. As of today, this loan is not present on any of my 3 credit reports and was previously successfully disputed and removed from my XXXX report in 2018. Attached is a full timeline and documentation which supports my main concerns which I am seeking answers to.
Product: Mortgage

Attention to  XXXX   XXXX  : LOAN #  XXXX  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , Florida  XXXX  Borrowers Name :  XXXX   XXXX   XXXX  To :  XXXX   XXXX , Single Point of contact of Contact of Rushmore Loan Management Services LLC.   On   XXXX   XXXX   XXXX  , we faxed the complete package to your Company requested a Loan Modification, which include the following documentation Authorization release information copy of the Mortgage statement,  Rushmore Borrower Assistance Application c ompleted and signed,   XXXX   AND  XXXX  Income taxes return, 2 months of paystub, 2 months of Bank  Statements and Utilities bil ls. The Fax confirmation on that day at   XXXX   XXXX   with  57 page s and also at   XXXX   XXXX   also  57 pages as  well.   On   XXXX   XXXX   XXXX  , we received a letter from Rushmore Loan Management Services LLC. Indicated received documentation for a Loan Modification assistance and review On   XXXX   XXXX   XXXX  , we received a new letter from Rushmore Loan Management Services LLC, indicating that were unable to offer Loan modification because The complete home Retention package was not received more than 37 days before the Foreclosure sale. Sale day   XXXX   XXXX   XXXX  .   On   XXXX   XXXX   XXXX  , we communicated with   XXXX   XXXX   XXXX  , confirmed received the documentation and he requested again the financial documentation because that quality was not the best. On   XXXX   XXXX   XXXX   we emailed him the following documentation : Tax returns, Paystub, Bank  Statements highlighting rental income, Homeowners Insurance, Lease contract We kindly request to re view this resolution based on the facts that we present and allow us to continue with the process.
Product: Debt collection

Debt collection agency has frequently made repeated calls during work hours ongoing for two years, one in particular made by the executive vice president who offered little to no help after expressing the importance of my workplaces no phone policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud scams using radio station show using XXXX and XXXX   Fraud scams using XXXX XXXX Fraud scams using XXXX XXXX XXXX XXXX workers using XXXX and cooking class XXXX XXXX XXXX. Federal not authorized and federal not authorized. They frauded my grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Frauding scams using colleges lectures in XXXX frauding my grandma Fraud scams using my documents in XXXX XXXX XXXX XXXX Illinois frauding scams using XXXX XXXX scams using XXXX XXXX XXXX XXXX XXXX in XXXX Illinois Federal not interested in the state of Illinois and federally refused to marry into Illinois State family Illinoise states also pulled XXXX business permits scams Frauding scams using XXXX XXXX Frauding scams using using XXXX advertising using my documents in XXXX Illinois frauding scams scams using using media scripts and media groups federal not authorized Fraud scams using XXXX University students frauding my documents and text books and text books credit Frauding scams using American XXXX colleges students Frauding scams using XXXX XXXX and XXXX and XXXX scams Fraud scams using XXXX XXXX in Florida Frauding scams using professor XXXX using XXXX pages frauding scams frauding my documents Frauding scams using colleges leacture using my documents, federal not interested
Product: Checking or savings account

I had a fraud on my account I called the bank the day of the transaction, they said I have to wait until it posted which I did Its been since XXXX Im trying to fixe this problem & still I cant Even though I sent them all my informations & proof that it was a fraud but they denied it I asked them to send me their documentation based on their investigation & it showed that my last name is different from my statement and its the wrong email address too & still I was denied because its debit card not a credit card Including the name its wrong & the email address too & still I couldnt get help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report.

Below is a detailed list of the accounts in question : I recently reviewed my credit report and discovered several unauthorized inquiries that appear to be the result of identity theft. These inquiries are negatively impacting my credit as I am in the process of buying a home. Please remove the following accounts from my report : XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX. XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

Dave has not reported an update on my account since XXXXXXXX XXXX XXXX. My account has been closed for months. They refuse to report it as closed. Dave customer service is horrendous. They take 3-4 days to reply every time and when they do the person replying is clueless. I was instructed to call in for help and when I did I could not get past the robot because my account is closed why would you knowingly advise me to call in when I will never be able to reach any assistance if the account is closed. I continue to try and get help over email and every time they ask for more and more PII after I already verified my last 4 of social, address name etc. and Im using the email address they have on file?!? They refuse to provide documentation that the account is closed and they refuse to assure me the account will be reported as closed with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX 9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

Late statuses were reported incorrectly from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of National Engine Settlement against XXXX and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from XXXX ( A National issue ). Mechanics from XXXX XXXX ( XXXX XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to XXXX with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

Monday XX/XX/XXXX I got a chime notification saying XXXX was spent at XXXX in South Carolina but I was at work in XXXX XXXX IL so I tried to dispute the tranaction but I couldnt I then got a text saying chime alert asking did I make the transaction reply yes or no so I replied no I then got a call from what I thought was a chime worker saying someone had my account added to XXXX XXXX and that I needed to change my password and they would send me a new card later I said okay I was working at the time so they said they would call me back later well on my way to get my children from day in XXXX IL I got a call from what I still thought was a chime worker tehy sent me a one time password and said dont share it with anyone so I said ok they also said they were trying to obtain the IP address on who used ny card earlier at XXXX and to not login into my account until the next day because its could corrupt them trying to obtain the IP address I said okay so the next day I went to check my account and they took everything from me XXXX moved from my savings to my checking account and then sent it to someone names XXXX XXXX XXXX never sent money This person so I called chime I asked them to dispute it I needed my money back they said they would investigate later that same day they closed my saying they wouldnt refund me no error occurred so I called again and again they reopened the case for rebuttal I sent in my police report my location at the time the login from XXXX Florida and the number that text me saying chime alert they said if I sent Im all that evidence I would have my money back but they closed my second claim AGAIN saying they wont refund me and well this is highly unfair I have been calling them since last Tuesday XX/XX/XXXX begging for my money back atleast of it I have XXXX  daughter Im a single mom my daughter turns XXXX this Friday and I have no money to do anything because someone completely wiped my account out. They are FDIC insured so the fact they wont refund me is ridiculous Im here to make an complaint against chime because they lied about refunding me and Ive sent in ALOT OF EVIDENCE that this was not me! I am a victim of fraud Ive reported this to the federal trade commission as well can someone please please help me get my money back this is insane
Product: Mortgage

For nine years we paid our monthly mortgage through XXXX XXXX. On XX/XX/XXXX XXXX XXXX  sold our mortgage to XXXX XXXX XXXX XXXX  XXXX, with the servicing of our mortgage being handled by Select Portfolio Servicing , Inc . 

On XX/XX/XXXX SPS , Inc. sent us a Mortgage Statement showing our payment of {$460.00} due on XX/XX/XXXX to be automatically deducted from our bank account per our previuos agreement with XXXX XXXX. 

Our problem with this new servicing company is in regards to the breakdown ( principal and interest ) of our payment. The XXXX Mortgage Statement shows a principal amount of {$58.00} and interest amount of {$400.00}. Our XXXX Mortgage Statement from XXXX XXXX  showed a principal amount of {$190.00} and interest amount of {$260.00}. 

In all of XXXX, our interest amount from each monthly mortgage payment made through XXXX XXXX was never over {$290.00}. Now, SPS , Inc. is increasing our interest amount to {$400.00} on our first payment with them (? ). In XXXX I contacted the SPS, Inc. Customer Service Center to get this straightened out and was told it would have to be researched and I would get a response in writing. I'm not liking how everything is being handled by this new company. Therefore, on XX/XX/XXXX, I paid off all but {$200.00} of the original principal amount that was transferred to the new company. My thinking is the XXXX payment of {$460.00} that was deducted from my account should have been allocated to have approx. {$200.00} towards principal and the rest towards interest. That would leave very little if anything left to be paid on my mortgage account. 

On XX/XX/XXXX I called the Ombudsman Department at SPS , Inc. to find out what the balance ( principal and interest ) is to pay off my mortgage completely. Again I was told it would have to be researched and I would get a response in writing. 

As of today, XX/XX/XXXX, I still have not received anything ( in writing or other ) telling me what my true payoff is. Meanwhile the interest continues to accrue. I once again called the Ombudsman Department at SPS , Inc. and  demanded that they get the issue with my XXXX payment corrected and give me my true payoff so I can be done with this company and get my cleared documents. Their answer once again was that they would have to turn it over to another department to research and they would get back to me in writing. I'm at an impasse with this and am being XXXX, as interest is accumulating daily while they take their time " researching ''. 

Luckily, I was able to pay off the bulk of my principal balance early. Imagine the poor people that aren't able to pay off their mortgages? They are being XXXX  on higher interest payments and no one is doing anything about it! 

Please look into this fraudulent practice - this is not right, and companies like this should not be allowed to do business!
Product: Debt collection

Requested documentation for proof of legitimacy, ownership as well as items reporting as a charge off. These items do not belong to me and proof of ownership has not been provided. 
I have filed disputes and complaints and none of these Items have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reviewed my Consumer Reports and noticed that I had 2 late payments on a XXXX XXXX XXXX XXXX that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.
Product: Debt collection

Collector 's Name : ARS ACCOUNT RESOLUTION Collector 's Address : XXXX. XXXX XXXX XXXX, Florida XXXX {$1400.00} This company has refused to verify this account as well as the credit bureau 's. I have sent a couple of letters asking them to prove that this account is in fact mine, The informations that come back to me only says that the account was " verfied ''