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

XXXX has failed to fulfill its legal obligations under the fair reporting act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report leaving in accurate or unverifiable accounts unsolved. The consumer financial. Protection bureau cfpb has recently filed lawsuit. against XXXX alleging systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses
Product: Debt collection

The last year 2017, my car was stolen in which my wallet was inside containing most of my personal information such as drivers license, social security number, and other sensitive info. I didn't think much of it seeing that I reported the incident but later on I would notice some weird changes. I started noticing new accounts appear in my debt collections that I had no knowledge of.
Product: Mortgage

While paying my XXXX mortgage payment online on XXXX/XXXX/XXXX, I noticed that it showed that I had 2 Fees that were added to my loan account for {$640.00} and {$85.00}, both labeled as Recording Fees. My loan modification was completed nearly 6 months ago and I have not been notified that any additional fees would be assessed. I called 4 times, was transferred to the Loan Modification department since the customer service representative explained that this is where the fee originated. Three times, I could hear someone pick up the line ( with voices in the background ) and hang up. I called back the 4th time and was asked if I filed for a Forbearance on my mortgage, which I replied No and was told that all of the lines were busy and I was assured that someone would call me back very soon. I had no confidence in this, since no one EVER calls me back from XXXX. Of course, I received no call back. I also checked my credit report and my loan account is in the status of " Affected by a natural disaster '' even though I have not claimed this with the mortgage company. I called again on the morning of XXXX/XXXX/XXXX and was again promised a callback from the loan modification department, which still has not happened. I called in the afternoon on XXXX/XXXX/XXXX and customer service connected me to the Loan Modification department and I was again, for the 6th time, hung up on. This service is appalling and beyond unacceptable.
Product: Credit card

On XX/XX/XXXX, I met with XXXX XXXX XXXX about matchmaking services. As soon as I sat down they said I had a match with someone named XXXX, they promised an introduction on XX/XX/XXXX. I filled out the paperwork and then we talked about cost. The person, XXXX told me that it cost {$20000.00} dollars but I told her that I didn't have the money. She talked to someone on the phone, took my picture and said that they would charge me {$5000.00}. I told her that was too much and she asked if I had a credit card. I told her I had one but only had an available balance of {$3000.00} not enough to cover the {$5000.00}. She forced me to apply for a credit limit with increase in front of her, my credit card issuer was XXXX XXXX. I then signed a contract that was a bit confusing. The language on the body of the contract said that I was unable to get a refund for the service but just above the signature line it said that if I wanted a refund I'd have to ask for XXXX within XXXX days. On XX/XX/XXXX, I called my credit card company, Sears Mastercard to file a billing dispute. I explained that I saw on the XXXX XXXX XXXX website this company was listed as a scam. They put a hold on this transaction. I then worked with XXXX XXXX XXXX to get a refund. They never set up an introduction with XXXX. Over the next few weeks, I did not receive any communications from the match they made with a XXXX, until I kept bringing it up with me. XXXX the person I initially met with told me she's not a matchmaker and that I'd have to speak with the matchmaker. I kept on getting bumped to different people. Eventually, I was blocked by XXXX. I collected all this information and provided it to Sears Mastercard. On XX/XX/XXXX, they said my billing dispute was resolved and that I did not have to pay for this service. In XXXX ( the date is a bit fuzzy ) Sears Mastercard said that they received information fro XXXX XXXX XXXX and that I was on the hook for the service and my account was charged. I sent them a letter telling them that I was forced to apply for a credit limit increase and asked that they look at the timestamp of that event. On XX/XX/XXXX, I received another letter from Sears Mastercard that they decided to go with XXXX XXXX XXXX and I was responsible for paying this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a recent copy of my credit report and discovered it contains inaccurate or otherwise questionably reported injurious information or derogatoriness elsewise
Product: Credit reporting or other personal consumer reports

Since the servicing transition to XXXX from Navient, my credit reports have not updated since XX/XX/year>. Since then, I have paid off XXXX of my XXXX private loans. I disputed the XXXX paid off XXXX balance loans with the credit bureaus, they came back verified as accurate. They are the same balances as they were before they were paid off. How is this accurate if the balance is now XXXX on these XXXX accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX I called Equifax and sat on hold for 1 hour and a rep came on and tried to help, placed me on hold and disconnected me, I did a Dispute XXXX XXXX and it was over 30 days which FCRA states that items will be deleted if not completed in 30 days, this hasnt been the case with Equifax, they are over the time frame and should delete. Also, they had a section to dispute Inquiries but say they they cant dispute Inquires is contradicting.
Product: Debt collection

I am writing to file a formal complaint against NCB Management Services Incorporated and XXXX XXXX XXXX regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). 

NCB XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to XXXX XXXX XXXX under their name. However, I want to make it abundantly clear that I have no active accounts open with XXXX XXXX XXXX, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. 

The actions of NCB XXXX XXXX XXXX and XXXX XXXX XXXX have flagrantly violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. 

I want to emphasize that I have never engaged in any business dealings or solicited services from NCB Management Services Incorporated. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wallet was stolen and unauthorized purchases were made through my best buy credit card. Somehow, the purchases were made through merchants other than best buy ( e.g., wayfair, apple store credits, and so on ). I only received a notification via text about a purchase after the credit card was maxed out, which was how I noticed my wallet was missing/stolen. I called fraud services and they told me they'd " dispute '' the charges, but I come to find out about a month later that they just gave me promotional credit that would eventually expire. Furthermore, without my knowledge, my credit limit was raised by XXXX dollars, so the thief was able to get a lot more out of my card than I can pay for. What's more is I only have access to the purchases I made through the best buy app ( since I thought my best buy credit card could only be used for best buy ), so I can't even see the charges that were made that are making my balance so high without calling " security '' services, who I had also called and told me the charges would be removed ( which weren't ). What infuriates me even more is that, today ( XX/XX/2022 ), I got a letter telling me I'm responsible for a charge because the address matched, evdn though it didn't ; because the email and billing name matched, even though the purchase was made by a name that was not on my card and it was done online, and it was sent to my neighbor 's address ( since my wallet was stolen from my car when I arrived at my house ) through a device nobody in my house even owns. I called best buy credit card fraud services and they tell that another fraudulent charge will be held against me ( and twoore are pending but clearly the result will be the same ). My balance before the theft was about XXXX, now it's about XXXX, and neither best buy nor citibank have done anything to help.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to prevent further misuse of my information. 
Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am referring to case number XXXX. 
I.C.System collection agency has posted a fraudulent collection on my credit report. 
XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. 
My dog was treated four times. 
According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. 
I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Security Credit Service. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company pulled my credit report without my authorization
Product: Vehicle loan or lease

Complaint Regarding Car Loan Terms and Dealership Practices To Whom It May Concern, I am writing to formally file a complaint regarding my car loan with Truist Bank and the practices of the XXXX XXXX XXXX XXXX IL from which I purchased my vehicle, a XXXX XXXX XXXX. 

Details of the Situation : Date of Purchase : XX/XX/XXXXXXXX  Vehicle Purchased : XXXX XXXX XXXX Loan Amount : {$51000.00} APR/Interest Rate : 6.30 % APR Loan Term : 55 months ( current term ) Monthly Payment : {$750.00} Upon purchasing the vehicle, I was misled about several key aspects of the deal : Misrepresentation of Vehicle Price : The vehicle was advertised online for {$35000.00}, but I ended up paying {$51000.00} for the vehicle. This significant price discrepancy was never fully explained to me, and I was not provided with clear justification for the inflated cost. 

Manipulation During Vulnerable Time : I had just been involved in a traumatic car accident prior to visiting the dealership. I feel the salesperson took advantage of my emotional state and pressured me into agreeing to a deal that I was not fully comfortable with. 

Unprofessional Sales Tactics : The sales representative from XXXX XXXX XXXX XXXX not only misled me about the vehicle price but also displayed unprofessional behavior after the sale. The salesperson asked me to go out for drinks after finalizing the deal, which I found inappropriate and unprofessional in a business setting. 

Unreasonable Loan Terms : The terms of the loan from Truist Bank, coupled with the inflated vehicle price, have left me with monthly payments of $ XXXXa financial burden that I am struggling to keep up with. The loans APR of 6.30 % is also much higher than what I was led to believe. 

Actions Ive Taken : I have attempted to address these issues with both Truist Bank and XXXX XXXX XXXX XXXX directly, but I have not received a satisfactory resolution or explanation. Despite my concerns, I have not been offered any assistance with refinancing or adjusting the loan terms to reflect the fair market value of the vehicle or a more reasonable repayment schedule.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all the CRA 's : Experian, XXXX, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, and prior to, I requested that the following address be removed from my report : XXXX XXXX XXXX, XXXX, TN, XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX and Transunion Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to correct these accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit card

On XX/XX/year> my Apple / Goldman Sachs credit card details were obtained and used for fraudulent charges. 

On XX/XX/year> I called Apple and reported that transactions made after XX/XX/year> were not made by me and my credit card details were compromised. Since then over 70 fraudulent transactions have appeared on my credit card account totaling over {$8000.00}. Each one Apple has opened an individual dispute for. 

Some of these disputes did not automatically get a provisional credit while being investigated ( which I had to XXXX  ), some have not resolved in my favor and I have had to have them reopened and investigated again, some have been marked resolved in my favor but I have not been issued the credit they say I have. 

Each dispute I have had to reopen has restarted the 90-day period Apple / Goldman Sachs has to resolve the dispute. I am now past the 90 days since this all started and still have ( re ) opened disputes. 

I continue to see attempts made on my card even though the card has been cancelled and a new number issued. It is incredibly overwhelming and stressful to have to track all the disputes myself, determine if they have been resolved correctly, and continue to follow up with Apple / Goldman Sachs. I have called them 6 times to discuss this matter and filed 2 complaints with them. Filing a complaint with them seems to be the only way to move things forwards, but still never fully resolves the issues. 

At this point the card is completely unusable because the transaction view is just a barrage of fraudulent attempts. I am not comfortable trying to close the card while all of these disputes have not been fully resolved as I will lose visibility into what is happening, likely get less support from Apple XXXX Goldman Sachs, and will no longer be able to track and ensure Apple is handling the disputes correctly. The tracking is incredibly manual because there is no way to download your transactions as a CSV, only a PDF.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2022 I made a XXXX payment of {$300.00} through my Chase mobile app that money has not been received I made a similar payment to the same recipient the day before that was received and I made a subsequent payment the day after to the same recipient that was received. The XX/XX/XXXX payment was not received. Chase is telling me that the recipient received it and that he needs to call his bank he has not received that payment and now I don't know where my {$300.00} is. I contacted both Chase and XXXX and they will not help me.
Product: Debt collection

I rented an apartment in XXXX Washington  in XXXX through XXXX. I through financial hardship had to vacate the apartment prior to lease end. This I understand and not questioning. The issue Im having as well as many others ( see below ) is the company that acquired the debt named IQ Data International. They have been charging me interest on the rent debt since moving out in XXXX. I had no idea they were allowed to do this. While researching, I found a website with a current class action lawsuit that I believe IQ Data settled. Again Im not looking for money, I just want this interest compound to stop which I believe is illegal. Does the interest compound indefinitely? IQ Data settled which means they admit fault without actually admitting fault. The name of the lawsuit is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This class action suit is specifically regarding Washington State residents.

Im hoping you can help and yes I contacted the Washington State Attorneys Office as well.