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

Upon getting an auto insurance quote from XXXX, I was told XXXX  XXXX had an accident reported on XXXX on my driving record ; Reference # XXXX. 
I never had any accident or was in an accident on XXXX in any vehicle. This erroneous claim made my quote go from {$370.00} full coverage to {$480.00} every XXXX months. I have contacted lexisnexis requesting this consumer report today XX/XX/year>. I am extremely upset because this affects my insurance quotes as well as my personal credit history.
Product: Credit card

Today, I received a call from Bank of America executives or whatever. The first one, XXXX at XXXX and XXXX. And other one was by XXXX at XXXX. I had the trouble with my phone voicemail and its function was changed. And I could see the 'virtual voicemail. ' And voicemail numbers were different above-mentioned numbers. Anyway, the first two were shown 'unknown ' at voicemail and called from XXXX XXXX or whoever, regarding the claim letter which did not have the claim number. She said her number XXXX. And the last one was called herself executive dispute something, XXXX XXXX ' I remember I had a call from XXXX before, but this XXXX was much younger than today 's XXXX XXXX from the voices. And XXXX XXXX kindly mentioned claim number XXXX, which was relating with XXXX XXXX XXXX XXXX and the issue price was {$0.00}. And this 'XXXX ' told her phone number XXXX. The voicemail indicated XXXX, which was same as caller ID. Since all phone number indicated did not match at all, I do not want to contact with them.
Product: Debt collection

Received letter from different collection agency..Debt was sold to another company
Product: Credit card or prepaid card

Somehow My father accidentally added me as an authorized user on his credit card at  Home Depot.  I was never and have never been involved with his  Homedepot  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the    XXXX   XXXX   d own into the    XXXX   XXXX   a nd has affected my ability to get an addiquit house loan. Homedepot removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a Homedepot and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting he r credit score. It jus t does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem. Home  Depot  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Product: Checking or savings account

The response from Chime Financial , Inc. to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), where Chime Financial asserts that it is not required to comply with Regulation XXXX, this assertion is incorrect. As a financial technology ( XXXX ) company providing electronic fund transfer ( EFT ) services to consumers, Chime Financial operates under the same regulatory framework as traditional financial institutions, including compliance with the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, REGULATION XXXX. 
XXXX companies like Chime Financial, which provide services such as online banking, debit card processing, and mobile money transfers, are required to adhere to the following regulations, Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) Protects consumers engaging in electronic fund transfers by establishing rights, responsibilities, and remedies. 
Regulation E ( 12 CFR Part 1005 ) Outlines specific protections, including error resolution procedures, investigation timelines, and requirements for addressing unauthorized transactions.

Consumer Financial Protection Act ( CFPA ) Section 1036 ( 12 U.S.C. 5536 ) Prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ) in connection with the offering of consumer financial products or services.

Chime Financial response, denying its responsibility under Regulation E, is concerning. Specifically due to Failure to Conduct a Proper Investigation. Regulation E mandates that disputes involving unauthorized transactions or errors must be investigated within 10 business days and resolved within 45 calendar days if provisional credit is issued.

Chime Financial failure to follow the regulatory framework constitutes noncompliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a foreclosure proceeding started, as well as reporting that I am ( 150 ) days late on the XXXX XXXX   MTG partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) The property was sold at auction in 2017 and all lates that are currently being reported are false. This account should be reporting a {$0.00} balance and the late payments need to be removed. This incorrect reporting is harming my credit score. I have contacted the bureau to fix this however, I have not been successful.
Product: Student loan

On XXXX XXXX XXXX, I called my federal student loan service provider to inquire about a processing payment. I waited for 40 minutes and 11 seconds for an operator before I hung up. The wait time I experienced is unacceptable, especially with the resumption of student loan repayments.
Product: Credit reporting or other personal consumer reports

I received a credit alert regarding my debt. When reviewed, I noticed that a water softener installed in my home is reporting as a revolving charge account. The problem with this is that I made a XXXX-time purchase, signed a contract with fixed monthly payments of {$120.00} per month at XXXX XXXX There was no charge card provided for me to continue using the available credit because it is not a line of credit that is re-accessible and there arent any products or services that I can purchase. There is no website or menu to purchase from. I do not have any other reasons to use this account. Again, this was a XXXX-time purchase, with fixed payments, no card to use because there are no other services or parts that I can order from this company. I called and discussed all of this with the lender and they refused to make any adjustments to how this account is appearing on my credit report. It has affected my score significantly because it looks like I have {$9000.00} more in credit card debt as a result of this water softener purchase. This should be reporting as an installment loan, not as an open revolving charge account.
Product: Debt collection

I asked for verification of medical debts WITH my signature or some proof that the debt is owed by me with a signature of mine showing I created the debt, XXXX, Experian and XXXX all failed to provide ANYTHING with my signature. Instead in both XX/XX/XXXX and XX/XX/XXXX they sent back correspondence stating that they verified the debt to be true and correct but failed to proved any signed proof in which they should have in their file. I sent both letter certified mail. According to the FCRA they must have in their file my signature on any documents to verify the debt is accurate and my debt and provide that within 30 days, which they failed to do. I am requesting that the debts in question be removed from my credit reports due to them not lawfully following the FCRA and providing signed documentation.The amounts in question are : {$710.00}, {$560.00}, {$330.00}, {$410.00}, {$290.00}, {$370.00}, and {$390.00} and {$10.00}, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation - XXXX XXXX, Account Number XXXX Dear CFPB, I am writing to file a formal complaint regarding a debt reported on my credit report by TransUnion. The account in question is with XXXX XXXX, and I am requesting that this matter be investigated for proper debt validation. 

The details of the account in question are : Collection Agency : XXXXXXXX XXXX  Account Number : XXXX Amount : {$740.00} I am disputing this collection and requesting validation of the debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that TransUnion provide the following : Proof of the debt, including a copy of the original agreement or contract showing that I am responsible for this debt.

Verification of the total amount of {$740.00}, including any interest, fees, or charges that have been added. 
Documentation showing that XXXX XXXX has the legal right to collect this debt, including evidence of assignment or purchase. 
Proof of notification, showing that I was properly notified of the debt before it was reported to TransUnion. 
Until this debt is properly validated, I am requesting that TransUnion suspend reporting this debt on my credit report. If XXXX XXXX can not provide proper validation, I request that this collection be removed from my report entirely. 

I respectfully request that the CFPB investigate this matter, ensuring that TransUnion follows the required steps under the Fair Credit Reporting Act ( FCRA ). I look forward to a timely response and resolution within the legally mandated time frame. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions i have contacted XXXX about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with XXXX and the other 2 bureau ( experian and XXXX XXXX all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at XXXX is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and XXXX is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is notg the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my XXXX score was XXXX the day XXXX and no more negitive accounts were added
Product: Mortgage

In XXXX we lost employment and we defaulted on the Mortgage. 
When we regain employment we applied for a Loan Modification. 
The Banks were overwhelmed with Foreclosures and Modifications so they finally Modified the Loan in XXXX. 
Over a 100,000 Dollars of late payments was added to the Principal, sending the monthly payments from XXXX to XXXX Dollars and a 40 % loss of equity. 
We payed this Mortgage for the last 6 years but we no longer can afford the high payments. 
We have been in the house almost 20 years. 
Arvest Central Mortgage Company is now foreclosing on the Property They refused to approve a new Modification with Principal and Interest Reduction to make the loan affordable by bringing it to the Pre-Crisis Levels. 
Recently, XXXX  XXXX XXXX did just that, with our Rental Property. 
We appreciate your help in this matter. 
Thank you, XXXX and XXXX XXXX
Product: Mortgage

Everything started around the end of XX/XX/2017. We met XXXX at an open house where we also met the agent, who would then became our real estate agent. We were working with somebody else but the agent made us understand that would've been easier to work with somebody she knew, and that XXXX worked for a really good company and that he could help us get the loan we needed to buy the house of our dreams. Everything started few days later : we provided him with info he needed to start processing the request for our loan. Short after that, he gave us the pre-approval letter, with the loan amt we were approved at, an appealing interest rate, a down payment amt.. Everything we needed to start shopping for a home. We found a home. Everything was going OK until he sent as the final documents, I believe it was the good faith estimate : but wait, a few information were NOT what we got disclosed at the beginning.. the interest rate went from 4 % to 7 % .... When we have requested explanation on why that happened, he told us that our case was different. I asked in how come this is coming up now at the end, when she knew that case was a little bit different.. At the point our communication broke up. He started by saying that we could sign docs with that interest rate, and 6 months later he could refinance me at a much lower interest rate, and that was good for me, as he would have been a much higher tax deduction. 
From that point we had to look for a new lender and honest one. 
P.S. At the beginning of the all process, I even recommended him in to a friend of mine and guess what? she call me a few days ago and without knowing what happened to me she told me that it happened to her too. 
Sorry, But I thought I was dealing with a shark, and I do not gamble my money and my happiness..
Product: Vehicle loan or lease

Last year in XXXX of 2019 I was fired from my employer, In good faith he offer to take responsibility since I couldn't afford to make payments on the car anymore. I have text messages proving that he ask me to call the bank for the payoff, but he change his mind I also have text messages proving that I ask him for the keys so I can call Ally Bank and turn in the car. In XXXX he text me and told me the car is in the shop but he never told me what shop the car is at??? I call and write to Ally Bank explaining the situation and mail screen shots of the texts but Ally Bank never reply regarding about what my former employer has done but they are reporting every month for miss payments. When Ally Bank is fully aware that someone else has kept the car hidden from me! I only receive one letter from Ally Bank claiming that they can't comment on what my former employer has done and the dispute is only between me and Ally Bank. But according to the Federal Rules of Civil Procedure there are rules that include an 3rd party or an non party.

Rule 14. Third-Party Practice ( a ) WHEN A DEFENDING PARTY MAY BRING IN A THIRD PARTY. ( 1 ) Timing of the Summons and Complaint. A defending party may, as third-party plaintiff, serve a summons and complaint on a nonparty who is or may be liable to it for all or part of the claim against it.

( 3 ) Plaintiffs Claims Against a Third-Party Defendant. The plaintiff may assert against the third-party defendant any claim arising out of the transaction or occurrence that is the subject matter of the plaintiffs claim against the third-party plaintiff. The third-party defendant must then assert any defense under Rule 12 and any counterclaim under Rule 13 ( a ), and may assert any counterclaim under Rule 13 ( b ) or any cross claim under Rule 13 ( g ). ( 4 ) Motion to Strike, Sever, or Try Separately. Any party may move to strike the third-party claim, to sever it, or to try it separately.

Rule 22. Interpleader ( 2 ) By a Defendant. A defendant exposed to similar liability may seek interpleader through a cross claim or counterclaim. 

Rule 71. Enforcing Relief For or Against a Non party When an order grants relief for a non party or may be enforced against a non party, the procedure for enforcing the order is the same as for a party. 

I written to Ally Bank regarding to theses Federal Rules of Civil Procedure Rules and Ally Bank has never reply?!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

Our property taxes are paid every month from our mortgage payment ( we have never been late in payments and have made every mortgage payment without fail and PHH hasnt made the property tax payments as of yet after repeated attempts to request they pay. We have called and emailed all of the information to them for XXXX months now and get the run around. We have a notice of XXXX on our property from XXXX XXXX since the taxes have not been paid.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I WENT TO THE AUHORITIES TO REPORT THE FRAUD I WAS TOLD MY AN XXXX THAN I WILL NEED TO CONTACT THE COMPANY AND THE XXXX XXXX XXXX TO MAKE THEM AWARE OF THIS. I PROVIDED THEM WITH THE REPORT AND EVERYTHING THEY ASKED ME TO SEND AND THEY ARE REFUSING TO REMOVE THE ACCOUNTS ON MY CREDIT FILE. I REQUESTED ALL CONTRACTS AND INFORMATION RELATED TO THE ACCOUNTS AND LOAN TO BE SENT TO ME I HAVE YET TO RECEIVE ANYTHING. There is an auto loan reporting twice at XXXX different amounts I'm unsure but I will list them below. 

I AM REQUESTING THAT THESE ACCOUNTS listed BELOW BE REMOVED FROM MY CREDIT FILE XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  Original XXXX XXXX XXXX Balance {$1600.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance {$9900.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX  {$140.00} Open balance Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos XXXXXXXX XXXX XXXX XXXXXXXX Last reported XXXX XXXX, XXXX {$16000.00} Reported balance XXXX XXXX XXXX XXXXXXXX XXXX XXXXccount number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX XXXX Account charged off. {$15.00}, XXXX written off. {$16.00}, XXXX past due as of XXXX XXXX. 
{$25000.00} OVERVIEW Highest balance {$25000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )
Product: Debt collection

I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not validate nor prove that I am obligated to pay them anything.
Product: Vehicle loan or lease

Per West Virginia law global lending was required to send me a formal notice in writing via mail regarding possible repossessions. It was not received. I also never received notice of acceleration. The company is at fault for not providing me written notice via mail per West Virginia laws. My husband was almost ran over by their repo company.
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 right .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 a 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX