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

I most unfortunately entered into a Debt Consolidation with XXXX XXXX Solutions They did not disclose how detrimental this would be to my credit report with negative reporting 14 months later! 
XXXX XXXX XXXX acct was reported at the start, It went to XXXX & XXXX for settlement. The account was being paid for XXXX months when XXXX reported the Same debt to my report XX/XX/XXXX After the debt went into default and WAS being paid. 
Now XXXX took the account back from XXXX XX/XX/XXXX this past Friday XXXX XXXX because I was complaining about what had happened. 

My XXXX XXXX went down XXXX More points over an account that had Already hit my report. I am suffering twice the hits for the same debt! And I was paying throughXX/XX/XXXX. Both XXXX and XXXX refuse to fix this obvious detrimental mistake to my credit report. 
Lastly, XX/XX/XXXXXXXX totally misrepresents what and how they do things with their Oral Pitch, but even their contract does not state your accounts will go into collections and appear on your credit report. 
I naively thought the opposite as I had a good credit rating when I made a decision based on false claims. They said my credit report would start correcting itself after XXXX months.. my XXXX XXXX is now XXXX XX/XX/XXXX months after paying {$3600.00} to XX/XX/XXXX. 
They are devastating my credit without care or any inclination to fix the fact this was reported Twice! 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I bank at Wells Fargo on XX/XX/XXXX XXXX ATM transaction took place of {$1300.00} I didnt authorize also I had an email of a new debit card sent to XXXX  XXXX dont live in XXXX I live in XXXX  they also say that a few other transactions took place yet on at the time I had deposited a check for {$2800.00} and I was at work after waiting for it to clear which took a few days on Tuesday the day it was clears I went from over {$3000.00} in my account down to a fast {$1300.00} roughly they are being XXXX  and I have no access to my account Im not online and I have ordered XXXX new debit cards and swapped to a new account number tried to solve the problem and it still keeps happening please help I feel that not only they should give me what belongs to me but also money compensation for pain and suffering cause my bills are suffering Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam Good afternoon, I buy the XXXX XXXX XXXX on XX/XX/2022 through XXXX XXXX XXXX XXXX XXXX sold this auto loan to XXXX XXXX  and we don't know about this, we don't know where to pay who to pay and on XX/XX/2022 XXXX reported to credit bureaus as a 30 day late payment, because of this my credit score fallen to XXXX from XXXX, today my mortgage loan officer called me he said he can not approve my loan if this issue not got fixed, I have called XXXX XXXX  and I explained the situation why the first payment was not made, XXXX XXXX  person asked to raise the dispute with credit bureau and when credit bureau reaches to XXXX XXXX  for explanation they can take care.
Product: Debt collection

Hello, I hereby inform you that the following accounts have been paid years ago and are still on my credit report, violating my rights as a consumer. I strongly ask you to review these reports. 

XXXX XXXX Account # XXXX Balance Owed : {$0.00} Account Rating : Paid XXXX  Account # XXXX Balance Owed : {$0.00} Account Rating : Paid XXXX XXXX Account # XXXX Balance Owed {$0.00} Account Rating : Paid XXXX Account # XXXX Balance Owed {$0.00} Account Rating : Paid
Product: Mortgage

I Have tried on multiple occasions for Seterus to get there records straight as I was transferred to Seterus on XXXX XXXX XXXX it has been XXXX months and the issue is still NOT Corrected my house payment is not what they have listed as I was granted a Loan modification 3 yrs ago with my previous mortgage company everytime I call they have done nothing with the 3 times I have faxed all the documentation from the court granted my approval and stating I owe no Discrepanies, as when I filed bankruptcy 5 yrs ago all of the back pay was repaid in our Bankruptcy plan as of today I should owe nothing except my monthly payment. now they are trying to stick PMI Which was cancelled from my previous loan they need to get there stuff together as I have provided all proof on my end and I will fight it till the end they are running my credit NOT Theirs
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity thief has been impersonating me to Experian for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Uplift and XXXX posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information. 

Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Debt collection

I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ), Experian, XXXX and XXXX are required to maintain the maximum possible accuracy of the information in my credit report. The reporting of this account is blatantly inaccurate and misleading for the following reasons : XXXX. Late Payments After XXXX : XXXX late payments ( XXXX, XXXX, XXXX, etc. ) after the account was charged off is inaccurate and unethical. A charge-off signifies the account is closed and written off as a loss by the creditor, making late payment updates redundant and misleading. 
XXXX. Re-Aging of the Account : By reporting new delinquency updates each month alongside the charge-off, this account is being unlawfully re-aged, creating a false impression of ongoing delinquency and harming my credit score further. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a lack of compliance with your duty to ensure accurate reporting. 

I am not disputing the validity of the account but rather the accuracy of the way it is being reported. If Experian can not obtain verifiable evidence of this reportings accuracy, this account must be updated or deleted under FCRA 611 ( a ) ( 5 ). 

I demand that this matter be corrected immediately, and I expect a written response within the 30 days required by law.
Product: Mortgage

My spouse and I applied for a home loan through nations lending with XXXX XXXX ( XXXX : XXXX ) in XX/XX/XXXX. We were preapproved for the loan with an interest rate of 5.25 %, a down payment of {$18000.00}, and a monthly mortgage payment of {$2500.00}. We were very happy with this and decided to move forward with XXXX XXXX XXXX XXXX. Our closing date was scheduled for XX/XX/XXXX. This was perfect because my wife was XXXXXXXX XXXX XXXX  at the time and gave us plenty of time to get ready for the arrival of our XXXX. However, XXXX said he was waiting for the FHA 's underwriter to approve us and there was delay in closing. This went on for 7 months. We entered into an agreement with the sellers and took early possession while we waited. We lost {$2000.00} a month in rent because of the " delay ''. Everyday we begged for an update only to be told " He had a meeting with the underwriter '' or we were met with silence. My wife once asked if XXXX he had any other collogues to help him get this closed and was told " She was nothing but a number to all of them '' and " No one cared if she was human ''. In XXXX, we could not get a hold of XXXX for 2 weeks. When my wife logged into the portal it said the account was Inactive. With no response from XXXX we reached out to Nations Lending Customer Service and was told to " Keep trying XXXX. They do not have any other brokers to help ''. When XXXX finally resurfaced we were told the company is no longer using the portal and that our Loan lock had expired and we lost our interest rate. We were very disappointed but had no other choice. We once again entered back into the never ending circle of being avoided. Finally, in XXXX we sent an email asking for an update and received an automated message saying XXXX had been let go and someone would reach out soon. Once we were assigned a new broker we found out our application had never even been submitted and the portal was never discontinued. Our new loan officer stated we should have been closed in XXXX had the application been submitted properly. We were able to finally close on XX/XX/XXXX. However we are extremely upset because we now have an interest rate is 6.25 %, our down payment {$21000.00} and our monthly mortgage is over {$2700.00}. Everything we were told for 7 months was a lie. On top of the difference in the down payment and monthly payments we lost {$11000.00} that we paid to sellers to keep from losing our dream home. The amount of stress that this has caused not only me, but my XXXX wife is unacceptable.
Product: Debt collection

When I cancelled my XXXX account, I was told by the representative on the phone, that I was due a credit on my account of approximately {$190.00}. I don't know why XXXX is looking for {$280.00} when I was told I would get a credit. I will not pay this as I was told I didn't owe any money on the account.
Product: Credit card or prepaid card

In XXXX XX/XX/XXXX I think it was my check was deposited on to this card and they kept that so on XXXX the XXXX I had a deposit of {$5000.00} get deposited on there well that close to my account and they won't give the money back I have sent letters that haven't even talked sent it back to the Small Business association it was a grant that they had gave me and now they won't send it back I've even tried to contact them several times through emails I even give it to me
Product: Payday loan, title loan, personal loan, or advance loan

My max credit with this account from when i opened has been XXXX. I have paid back over XXXX XXXX dollars with no draws, almost all being on time. My balance has not gone down a single cent, in fact it has increased, no matter how much i pay back. 

They refuse to detail these imaginary fees on any statement. My money should be going straight to the principal and interest, which should be the same since i opened the account. 

Instead, it seems fictitious fees are being added or my money just is not being taken and applied to my principal. I find this to be illegal ( fraud, robbery ) As they are just taking my money every single month and not reducing my balance based on unknown reasons, and then keep charging me every month. 

My balance should be below {$1000.00} by my calculations, however it still shows as GREATER THAN XXXX, more than i ever could have even taken out. 

I need to know exactly what is happening with this money, where the itemized charges are ( as this is required by law ) and the exact lines in any documentation i signed that depicted these figures and fees. 

I expect my account to be fully forgiven and closed by the end of the weekend, otherwise this will go to court. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2023, I purchased a XXXX airline ticket for XXXX. 
When I submitted the transaction, I noticed XXXX charged me XXXX. 
I was unaware of the additional charge of XXXX. XXXX XXXX did not send any written correspondence via email or mail regarding the additional purchase of XXXX. 
Therefore I immediately canceled the transaction. Once I canceled the transaction, I received a refund ( same day ) for XXXX. 

Again, I did not receive a notification from XXXX XXXX regarding a cancelation for the unknown charge of {$69.00}. I only received a pop-up message, " Reservation Canceled Successfully. '' At this point, I am unaware of why XXXX charged me an extra XXXX ( Unauthorize Charge ). I could not figure out why the additional charge. I thought everything was ok since I received a refund the same day. 

A few days later, I checked my Chime Account and noticed XXXX refunded the XXXX for the ticket but not the unknown Unauthorize Charge. Because I canceled the transaction ( same day ), I didn't receive any notification from XXXX regarding the XXXX. I went on the XXXX website and researched what they charge me for a Unauthorize Charge XXXX Membership. 

I will reiterate I didn't receive any written correspondence regarding the XXXX Membership. I tried to cancel the charge, and per their website, I had XXXX hours to cancel. After XXXX hours, I can cancel without a refund, but I won't l receive the membership benefits. 

Since I received a refund for the entire amount, this is misleading to consumers. I will file a complaint with the Department of Transportation on XXXX XXXX. The XXXX is an Unauthorized charge. It is misleading to a consumer to see a credit for the entire purchase ( same day ), and a merchant does not need to provide written correspondence on how the Consumer will receive a refund. I emailed XXXX numerous of times with no resolutions. 

I notified Chime and filed a Dispute. They provided me with provisional credit for a Canceled Membership on XXXX XXXX. After the investigation, they reverse the provisional credit. They allowed me to submit another dispute as an Unauthorized Charge. 

I received a Final Determination email from Chime stating they found no errors, and my dispute is closed. 

I have had no issues with Chime until now. I do not have confidence Unauthorized charges are protected under REG E. As a consumer, I understand the REG E Policy and expect Chime to understand and enforce the Policy on Unauthorize Charge.
Product: Debt collection

They claimed that the first date of delivery was XX/XX/XXXX. I never receive a bill from them until 2.5 years after my XXXX  visit. I had full XXXX at that time and everything was paid for that visit and I had no problems with any other doctor there asking for payment. After almost 3 years I called XXXX  and the XXXX XXXX XXXX XXXX and asked both to resubmit this and get it paid. XXXX and then I didn't hear anything for another year. then again I get one letter saying I haven't paid. so this is no XXXX went through the same thing and no XXXX said they don't go back that far. but did confirm I had medical insurance in full when this XXXX visit happened. Fast forward to XXXX, I got another letter from a lawyer saying to pay {$810.00} approx. and now it's on my credit report as a negative. I honestly don't even think that they serviced me at the XXXX because all the other Doctors were paid. i believe it's fraud and now my credit is bad. 

Collection Agency ABILITY RECOVERY SERVICES , LLC Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$810.00} Amount {$810.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact ABILITY RECOVERY SERVICES , LLC XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XXXX I wrote a letter to Transunion disputing XXXX bankruptices along with some charge offs on my account.which is Corporate Identity Theft under 15 USC 6802 ( b ) ( 1 ). 

XXXX is below. So I got a response from Transunion that they received my letter on XXXX XXXX will attach below. It has now been 30 days and no response from Transunion whatsoever and this is straight from Transunion website ( " Once your mail is received, it can take up to 30 days to resolve your dispute '' ). 

So I am writing to have these negative items that is affecting my credit profile removed from my credit profile. That includes XXXX bankruptcies, a charge off from XXXX XXXX and a charge off from XXXX XXXX XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already sent a letter to the creditors to remove the late payments and they have not abided by what i requested and they also violated my consumer law because they never gave me the option to Opt out from reporting this information to a third party via 15 us code 6802. 

Captial One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

In the XX/XX/2016 I submitted a request for a reverse mortgage with American Advisors Group ( AAG ) a nationally advertised finance agency which specializes in allowing seniors, age XXXX and over, an opportunity to " remain in their own homes '' by establishing a line of credit and freeing them from monthly mortgage payments as long as they remain in their home. Soon after the process began I was hit with a series of financial demands. First there was a fee of {$120.00} for a required reverse mortgage counseling course. Next there was a {$450.00} fee for an appraisal. As a result of the appraisal there was a requirement that co2 and smoke detectors be installed in my home 's XXXX bedrooms at a cost of about {$150.00}. The appraisal said the home is worth {$120000.00} with an outstanding principal on first and second mortgages with XXXX of {$93000.00}. In addition to the appraiser I also had a visit from an AAG agent and during his visit he had me sign a series of what I assumed were contract agreements which, among other things, notified my home insurers, XXXX XXXX, that AAG was now my mortgage holder. All this occurred by XX/XX/XXXX. I had no further contact with AAG until after the holidays. I had been told in XX/XX/XXXX that the process would be completed by early XX/XX/XXXX and that I would be able to use money that would be going in lieu of a XX/XX/XXXX mortgage payment to buy XXXX presents. This statement was made by my mortgage counselor, XXXX XXXX. During the second week of XXXX after weeks of not being able to contact AAG, I finally contacted XXXX XXXX. I was informed that his loan committee had declined to approve the reverse mortgage. The reason he gave was that the {$34000.00} equity to loan debt margin was not large enough to approve. On XX/XX/XXXX I received a 2nd-day air package from AAG with a form letter explaining the denial. Their reason was listed as not being able to verify enough income to cover closing costs. At no time was I ever asked in I could cover such costs nor was it ever suggested as to the amount of closing costs or that it would be my responsibility to bear them. At no time in the process prior to XX/XX/XXXX. was there even a hint that the request would be denied. I find this all ironic in that AAG 's advertising campaign makes reverse mortgages seem like a constitutional right guaranteed by President XXXX and endorsed by high-credibility spokesmen such as the late XXXX XXXX and XXXX XXXX.