23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccuracies on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. The XXXX Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX : {$65000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs ; I get paid on the first and third of each month, I pay my housing on the first of each month. Hyundai finance dinged my credit report and I can't apply for XXXX XXXX with the military for my housing. I pay my car payment on the third of each month. Hyundai finance went behind my back and marked me late for three months. This is wrong by any stretch of the imigation. Get this off my credit report so can apply for XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Contacted Lending USA in regards to other loan products and was told by two different reps that I qualified for a second personal loan. I then went online and was pre-approved. Once called by another rep of Lending USA, I was told that I did not qualify for a second loan and could only be approved for a loan to pay a merchant. I then called Lending USA back and asked to speak to a supervisor. I was told to expect a phone call from a manger by Monday, XX/XX/19. As of XX/XX/19, no one has called me.
Product: Debt collection

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information. 
XXXX. Account number and date of debt inception. 
XXXX. Detailed breakdown of the claimed amount, including any interest or fees. 
XXXX. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Product: Checking or savings account

After a thorough review of different CDs available in the market, Ally 's high interest rate as well as its reputation led me to open a new 11-month CD. Upon successful account opening, I linked my external accounts ( XXXX XXXX, XXXX and XXXX ) to provide funds for my new CD. So I have initiated 3 ACH Pulls ( $ XXXX XXXX XXXX XX/XX/29, $ XXXX on XX/XX/29 and $ XXXX on XXXX ) using my Ally account. Immediately after each transaction, I have received a notice indicating that the funds will be withdrawn on XXXX and will be made available on XXXX for XXXX XXXX and XXXX. For XXXX, I initiated on XXXX and the notice indicated that it will be available on XXXX. 

However, I have found that the funds ( $ XXXX ) have left from my XXXX XXXX and XXXX accounts. However, unfortunately, the funds have never arrived Ally. The answer I receive from customer service is that " Ally has never received funds as those payments failed and my external banks are suspended ''. And I was instructed to work with XXXX and XXXX XXXX to resolve the issue. After the call, my Ally account was blocked. 

So now my $ XXXX is disappeared and Ally is requesting me to take actions to retrieve my funds back. This is absolutely unacceptable and I request Ally to resolve the issue.
Product: Mortgage

I fell behind on my mortgage a few years ago due to legal issues surrounding my XXXX XXXX. I immediately began trying to work things out with my mortgage lender Wells Fargo but was met with resistance, indifference and obstruction and could not get them to review my financial information. As I fell further behind I was able to get some help from relatives and offered to bring the loan current with a large lump sum payment. However, Wells Fargo would not accept the offer because it did not include the thousands of dollars they had added in inspection, late, legal and junk fees. As a result I fell further behind and am now facing foreclosure. I have rebuilt my practice and also started a XXXX XXXX XXXX as well and make a solid living. However, Wells continues to push towards foreclosure instead of offering any reasonable alternatives for me to resolve this matter. I am looking for some help to get my file taken seriously and an accurate review conducted of my current finances by Wells Fargo. 

I have worked as a XXXX XXXX for the last 22 years, and we bought our home here in XXXX 17 years ago. I refinanced in XXXX through Wells Fargo in order to use some of the equity to invest into my business. I live in the home with my wife and XXXX daughters. In XXXX I had some legal issues and my practice suffered. I ultimately lost about XXXX XXXX of my clientele and at that time I defaulted on my mortgage. As stated, I immediately contacted Wells Fargo to try and work things out and get approved for a modification but the process was cumbersome and difficult and I could never get any traction. I was able to get some family members to agree to help me make a large lump sum payment to get caught back up on the loan but their agents refused to accept this offer because it did not include every dollar, quarter and penny of the late fees and legal fees that had been piled on my balance! I eventually hired an Attorney to assist but due to a missed court date my side of the story was never presented and I am now in foreclosure. 

As explained, I have rebuilt my practice and earn a solid living. I also started a XXXX XXXX XXXX and am making some money from this venture as well. I was recently offered a streamline modification with a monthly payment of {$5100.00} -- although I appreciate the fact that an offer was put on the table this proposed monthly payment is well over 50 % of my monthly income and not affordable. I know that there are other programs available that I would qualify for based on my current and correct financial information. I would like to see my case escalated and a full review of my current finances conducted.
Product: Debt collection

Have had repeated calls to employer, most recently being XX/XX/2019. They ask for me and make it known that they are a credit card company seeking to speak with me regarding debt. This is not anyone elses business and has caused me embarrassment and personal strife.
Product: Debt collection

the company is CREDIT ACCEPTANCE CORP Date opened XX/XX/2018 Original balance {$9600.00} what happened is that someone used my personal information and they did not verify that it was not me and today they do not want to be held responsible that it was not me and they do not want to help me, they have already been sued once because they do illegal things with many people.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I have been contacting the reporting agencies since XX/XX/2020 and I have not gotten a response from them
Product: Credit card or prepaid card

I have been trying for several months to get a refund of a credit balance on the account. 

The documentation attached reflects the activity on the account in XXXX, XXXX, and XXXX. XXXX Credit balances appear on the report ( caused by overpayments ). 3 refund checks issued, and 1 was not cashed I have been trying to get reimbursed for the XX/XX/XXXX credit balance and check # XXXX was issued about XX/XX/XXXX but not cashed. 

The company made mistake in their response. Check XXXX XXXX is not reissue of check XXXX XXXXXXXX it is the original credit refund check for the credit balance as of XX/XX/XXXX. 

The credit refund check I am looking for is the credit refund check for credit balance as of XX/XX/XXXX ( check # XXXX ) which I have not received. 
.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$3000.00} cash down payment, vehicle was unsafe and wrecked XX/XX/XXXX. Vehicle still not repaired, me and XXXX XXXX XXXXXXXX XXXX now homeless, no signed contract, XXXX XXXX refused to repair car over 2 months ago, lost my ability to work, XXXX homeless with XXXX XXXX XXXX. Can't purchase a vehicle elsewhere until debt removed from all credit reports and I need my down payment of {$3000.00} cash IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter to Care Credit asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from care credit. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX The Credit bureaus stated Account Name XXXX XXXX Account # XXXX date opened XXXX XXXX, XXXX Status : INCLUDED IN BANKRUPTCY COMPANY CONTACT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX open date is inaccurate, the date last active is inaccurate, and incomplete account # and date last reported is not accurate. This ground for removal.
Product: Vehicle loan or lease

Nine months after I paid off my car loan, and without any letters or notice, they came and repossessed my car. When I called them, they stated I owed them a large amount of money, wouldn't tell me what it was for, made me pay for it in order to get my car back. I have asked repeatedly for my pink slip and they never provided it. They also charged me fees for " supposedly '' to receive my pink slip ( California fees ) and I don't live in California. They know this because they repossessed my vehicle in Oregon. This company continues to refuse to tell me what the {$1900.00} plus repossession fees with XXXX XXXX and {$90.00} with XXXX XXXX to get my vehicle back is for. They will not provide me with any information whatsoever. On top of all this, after I picked up my vehicle and paid them all this money, they sent me a certified letter dated XX/XX/XXXX saying they are going to sale my vehicle at auction! This is extremely illegal, especially since I supposedly paid them off for my vehicle a second time. Furthermore, they picked up my vehicle leaving no notice from private property. I thought it was stolen since there was no paperwork from them. The one page XX/XX/XXXX letter is the only letter I have received since paying off my vehicle 9 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose
Product: Vehicle loan or lease

When I first purchased the vehicle, I was told by the dealership that the loan would be due in 45 days. When I spoke with the lending company, they told me that wasn't true - the paperwork was submitted for 30 days. I explained that I could not make a payment at the beginning of the month, that I would need to have my payments due after the XXXX of each month. I was told there was nothing they could do to change the payment date. I've since gotten behind, and can not keep up with the late fees. Because my account is now past due, they tell me that they will consider changing my due date once my account is current, but will continue charging me late fees if I don't pay at the beginning of each month. Beyond being unreasonable about the due date of my payment, they refuse to take any form of payment from me aside from a credit card payment. They charge a {$7.00} fee to make a credit card payment. They refuse to waive the fee even though they will not accept any other form of payment from me.
Product: Checking or savings account

I issued a bill payment to my XXXXXXXX XXXX  saving account out of my Fifth Third business checking account. 
Fifth Third issued a check to XXXX and it posted on XX/XX/year> check # XXXX amount {$1200.00} On XX/XX/year> XXXXXXXX XXXX  sent me a letter that my check was being returned unpaid because the issuing bank was unable to locate the account. They debited the check out of my XXXX savings account and returned a legal copy of the check back to me. 
I went to Fifth Third Bank 's XXXX branch and tried to deposit the check back into my business checking account on XX/XX/year>, but instead they debited it out of my account again. 
Fifth Third instructed me to submit a fraud packet providing all the information which I did on XX/XX/year> case # XXXX. 
Fifth Third sent me a letter dated XX/XX/year> that my check dispute has been denied.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XXXX XXXX and their were a lot of errors that I saw on my report that is inaccurate. 
To start XXXX XXXX has that I have XXXX missed payments that in XXXX months including XXXX, XXXX, XXXX, XXXX and XXXX. 
Hard inquires that I did not authorize. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Debt collection

i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted XXXX  letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to report
Product: Checking or savings account

On XX/XX/XXXX, I contacted what I believed to be XXXX to discuss some questionable transactions on my account. During the call, the representative instructed me to download an application called " Any Desk, '' claiming it would help identify the origin of the transactions. They then suggested the issue might be related to my Cash App account and proceeded to check for any fraudulent activity. 

Becoming increasingly suspicious, I transferred all the money out of my Cash App account into my XXXX XXXX  checking account and ended the call. Later that night, on XX/XX/XXXX, three unauthorized transactions were made from my XXXX XXXX  account without my consent. These transactions were in the amounts of {$98.00}, {$550.00}, and {$3800.00}, with the description " Payment Sent XX/XX/XXXX Cash AppXXXX XXXX XXXX CA. '' I sent a request to you and you found XXXX not to be responsible for the transactions. I would like to request that you contact Cash App and see if they can be held accountable. When the moneies were transferred out of my account to the description, " Payment Sent XX/XX/XXXX Cash AppXXXX XXXX XXXX CA. they disappeared. The money was not sent to my Cash App. I would think someone would be able to see where the money went. 

You can see on my XXXX XXXX  statement where I transferred funds form Cash app to XXXX. Then on XXXX  it shows I transferred it back out to Cash App, these are the transactions stating " Payment Sent XX/XX/XXXX Cash AppXXXX  XXXX XXXX CA. '' You can then see on my Cash App statement that I never received those transactions. 

The loss of this money has put a financial strain on us and it is hard to understand how that much money could just be gone. 
Given these circumstances, I urge you to thoroughly investigate this matter and take prompt action to resolve it. Thank you for your attention to this serious issue.