23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Need to revisit complaint XXXX I have been trying to I handle this issue and need The Moore Law Group to provide clear details on how to sign and where to send back documents for settlement. I Called in XXXX and spoke with XXXX XXXX at XXXX XXXX. She advise to I make a payment online and said if I dont have a bank that i can use someone else info to send payment. They are suing me in a city and county Ive never lived in and also i stated on the phone call that i was homeless and dont have address The Moore Law Group is saying i did not want to prove a address which is false. I chose the 2nd option which is the pay the {$110.00} for 24 months. they closed out both complaints Vis CFPB & XXXX which is not allowing me to ask how to sign documents and send them back and also XXXX Stated she has to send documents out that need to be signed in 10 days and i still havent received those documents. It feels like The Moore Law Group is trying to trip me up with the dates and not giving me enough time to respond. They Responded to the Complaint via CFPB XX/XX/year> which is 4 days after the date they wanted payment sent and also closed out the other Complaint i filed with The XXXX  XX/XX/XXXX. I am not able to respond being these are not apps that you get alerts fast. I sent a payment as advised by XXXX XXXX XX/XX/XXXX and they have not took payment from account yet. I have called 3 times and been on hold each time for 30-45 mins.
Product: Vehicle loan or lease

On XX/XX/XXXX I called Chrysler Capital to explain my circumstances with the attempt to get a bit of payment relief. I purchased this vehicle for my daughter, who no longer resides with me nor has possession of the vehicle. I was and have been XXXX  many times with XXXX as well as a XXXXXXXX XXXX. It was my understanding that they accepted to defer two months payments for two payments of {$250.00}. I recently realized after being XXXX from the hospital that they did not accept those arrangements and are now demanding {$1500.00} or repossess the vehicle. I can provide mountains of proof/evidence that i have been financially impacted by my medical condition, of which I am now recovering from. I can maintain the payments going forward starting in XXXX but ask for assistance with the past due payments. Also, if its not asking too much, i would like rate and term assistance to help lower the payment. 32 % is almost highway robbery, but i did sign the papers and own this. I am currently not able to refinance the loan given it is upside down by ~ $ XXXX. Again, all i am looking for is the help getting caught up/current and can maintain it going forward ( and maybe some help lowering the rate/extend term/lower payment ). It would be easy enough to voluntarily surrender the vehicle however my credit is worth more to me than the $ XXXX i am paying for the unneeded vehicle. 

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

Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much

to worry about. We recently parted ways due to abuse b oth verbal and physical. There are Collections, inquiries, and addresses listed on all 3 of r eport that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019
Product: Credit reporting or other personal consumer reports

TransUnion responded with XXXX XXXX XXXX investigation results dated on XX/XX/XXXX that TransUnion investigated the information disputed and updated it. The dispute letter I wrote specifically addressed the fact that TransUnion failed to enter the notice of Dispute from previous letters I sent them about false/inaccurate information. This violates FCRA Section 623 ( a ) ( 3 ) for failing to enter notice of dispute and this is pertaining to item " XXXX XXXX XXXX ''. 

TransUnion responded with XXXX XXXX XXXX investigation results dated on XX/XX/XXXX that TransUnion investigated this information and verified it as accurate when in fact it is clearly inaccurate. The date of Last payment says XX/XX/XXXX on TransUnion and XXXX says Date of Last payment is XX/XX/XXXX with the Date of Last Activity being XX/XX/XXXX but TransUnion says the Date of Last Activity is XX/XX/XXXX. THIS ACCOUNT HAS BEEN RE-AGED and Transunion continues to report INACCURATE information which is a VIOLATION OF FCRA SECTION 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) for reporting information with actual knowledge of errors & reporting information after notice and confirmation of errors. TransUnion also reported that this information was VERIFIED on XX/XX/XXXX. TRANSUNION ALSO VIOLATED FCRA SECTION 623 ( a ) ( 3 ) which is THE DUTY TO PROVIDE NOTICE OF DISPUTE. 

XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : PROFESSIONAL PLACEMENT XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that XXXX and XXXX update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that XXXX and XXXX performed.
Product: Credit reporting or other personal consumer reports

I recently discovered an account from XXXX XXXX XXXX XXXX on my credit report that I did not open or authorize. According to the information reported, the account was opened on XX/XX/XXXX, and is listed as " Collection/Charge-Off '' with a balance of {$0.00}. The date of last activity is reported as XX/XX/XXXX, and the account was last updated on XX/XX/XXXX. 

This account is the result of identity theft. I did not initiate or manage this account, and it has been reported inaccurately on my credit profile. Its presence has significantly impacted my ability to secure financing and has created unnecessary financial stress. 

I have not taken any action with XXXX XXXX XXXX XXXX directly to open or manage this account. However, I am disputing this account with the relevant credit bureaus ( XXXX, TransUnion, and XXXX ) under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on XXXX and Transunion credit reports. Since the previous dispute found on complaint reference # XXXX to TRANSUNION and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX. 
XXXX/XXXX  XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX/XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both XXXX  and TRANSUNION to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX is reporting with 7 of these 8 creditors.
Product: Debt collection

On XXXX of XXXX, I was taking a look at my credit report and I noticed a collection account from debt recover solutions in the amount of {$1200.00}. I tried reaching out to them to the phone number I was provided by XXXX but no one answered. I have not received any written or verbal communication on this debt.
Product: Debt collection

I was made aware of these fraudulent accounts when they were made visible on my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

XX/XX/2021 - I applied for a mortgage with Loan Depot - Talked to XXXX XXXX NMLS # XXXX and XXXX XXXX. I requested a loan estimate many times and was finally refused one until I agreed to move forward with Loan Depot alone. I have emails to prove it and will forward them upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my Equifax credit report labeled as " XXXX ''. That credit card was stolen in early XXXX, and after I cleared up that incident with the company, there was no amount due, and no late payments. I have never had an amount due or late payments on any accounts, to show a pattern of my financial history. I requested to close my accounting XX/XX/XXXX and was notified by their legal and customer service departments that my account was indeed closed with nothing due and never being late. However, the company fraudulently opened the account in late XXXX without my knowledge or approval. They then reported an amount due late payments after my account had been closed. I provided the proof of information, from XXXX, to Equifax showing that my account was closed in XXXX of XXXX, and therefore couldn't be late in XXXX of XXXX or in XXXX. Equifax took no action. I notified Equifax that failure to correct the information was a violation of the Fair Credit Reporting Act ( FCRA ), and still they took no action. As a result, a mortgage was processing for a purchase of a home, and that loan company increased my rate due to this potential negative information that was false, yet Equifax refused to remove. Before I take further legal action, I ask CFPB to take this matter to Equifax to both update my report to include the correct information and to pay for the increased costs that I have been burdened with due to the illegal non-action of Equifax, which is essentially aiding in the fraudulent activity of XXXX XXXX XXXX XXXX
Product: Mortgage

I 'm a single woman previously married. Spent three months attempting to locate a suitable home before the market pulled further away from me in higher asking price.. Finding a lender who understands FHA guidelines turns out to be an unachievable challenge. Now getting through underwriting is a life of pure XXXX. This is caused directly by the mortgage broker loan officers lack of experience, receiving documentation, saying they will review it then no follow up. I have had documentation sent to them via email three and four times before they have acknowledged receipt. The common sense approach that no file should be submitted to underwriting with a question that has n't been answered was not used. The loan officer and underwriter has asked for documentation that violates my ex-husbands right to privacy and has nothing to do with my loan approval. Because of this unprofessional process by both the mortgage broker and underwriter our interest rate commitment has now expired and the seller is faced with major problems because of legal circumstances. The processor would make contact and request information that as already communicated to the loan officer or was already provided, I guess they did n't feel the left hand should know what the right hand is doing or should be aware of.. I find it hard to believe that with XXXX of the largest investments a person makes is in their home and the inept person we have to depend on has no continuing educational requirements, and no state examination that is required. Please correct me if I 'm incorrect.
Product: Debt collection

I disputed a time barred debt that XXXX XXXX XXXX re-aged with Experian requesting documentation by certified mail and online. On 3 separate occasions XXXX certified that the debt was accurate without providing any documentation and in each case Experian accepted the certification within 48 hours of a legitimate dispute. The alleged debt wasnt correct 12  years ago but Experian in each case accepted the debt as accurate and to date will not delete these incorrect and false delinquency reports. With my belief than neither XXXX or Experian will comply with lawful requests, I requested Meridians California agent for service in order to file a lawsuit only to find that Meridians agent for service is a Mail Boxes Etc. address which is illegal by California law making it impossible to sue them in California.
Product: Checking or savings account

In XX/XX/2022, my account balance went below the {$1500.00} average daily balance for a few days and JPMorgan Chase charged me a {$12.00} fee. I messaged them and requested they refund the {$12.00} fee, which they did. 
Then in XX/XX/2022, they charged me another {$12.00} fee for being below {$1500.00}. But my account only was below the {$1500.00} average daily balance because they deducted the {$12.00} for the fee, which they eventually reversed. I didnt spend any other funds from my account. I requested that they refund the XX/XX/2022 fee because the only reason my account was below {$1500.00} was due to their XX/XX/2022 fee, which they reversed. But they declined to refund the XX/XX/2022 fee. This feels like an unfair and deceptive practice.
Product: Credit card

on XX/XX/2023 i received an email from Capital one and its affiliates. The E mail was in regards to class action lawsuit settlement. My settlement amount was for $ XXXXThe E mail explained that on XX/XX/2023 i would receive a follow up email in where i could respond to the follow up XXXX mail and choose how i would want to retrieve my settlement amount. on XXXX i opened up the E mail and i had XXXX options on how Capital one could hand over the settlement amount of XXXX. The process to make your selection was extra simple, i think i only had to click like maybe XXXX time or no more than 2 times. After selecting the virtual master card option it was like walla your money will be virtually deposited in to a virtual card via E mail. I soon realized that the card was going to almost be impossible for to use. I immediately XXXX the call was made soon after i had some questions and also requested to have the virtual card cancelled and to send me a physical paper check. I spent XXXX minutes on the phone although the wait time was about XXXX minute the agent that took my call was unable to assist me or even cancel or even explain certain questions. The agent provided me a contact XXXX. On XX/XX/2023 i emailed XXXX and on XX/XX/2023 i received an e mail from XXXX. XXXX in her E mail told me to call XXXX on XX/XX/2023 i called that number 2 times. Both times after answering my calls each agent that took my call hung up the phone with me.
Product: Debt collection

I have sent various dispute letters to the credit bureaus, with no response and all 3 have disregarded the law by not responding to the disputes and hopefully this will be the last time.
Product: Debt collection

I have no knowledge of this and would like it removed immediately. This debt should have never been sold to company to begin with, this is not accurate information.
Product: Credit reporting or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Dispite sending them the letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts : XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXXnquiry Date XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX  XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year> and XXXX XXXX XXXX Inquiry Date XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " SOURCE RECEIVABLES M. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) : Date Opened : XX/XX/XXXX XXXX  XXXX, XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Date Opened:XXXX XXXX  ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX
Product: Credit card

On XXXX XXXX 2016 I received a letter from Pay Pal Credit thanking me for opening up a credit card ( I did not open up this credit card ) There is an email address on the letter XXXXXXXXXXXX, it states that this person can go on line and review this account. ( this is not my email address ) I contacted Pay Pal Credit informing them that I did not authorize this credit card and that the charges being made on this card are not from myself. I have contacted and reported this to Identity Theft as well as obtaining a police report.
Product: Checking or savings account

Direct Express is horrible!! I have been paying my rent for yrs and now the card wont go through on the site, I have money on there but it wont go through. It wont let me order on XXXX!!! And it doesnt do everyone like this and every month its different its completely horrible
Product: Student loan

My entire life I only studied and took student loans for two colleges, and the two colleges are XXXX XXXX XXXX College District  ( XXXXCD ) and XXXX XXXX University  ( XXXXU ). I studied and took student loans for no other college in my entire life. All of my student loans are either currently in deferment or forbearance status. I have several student loans over several semesters between the two colleges that are bundled together ; then come along this lone student loan as an outlier. I only signed up for government aid and not private student loans. I suspect this student loan was made out of fraudulent activity. This is not my obligation. 

This student loan is from XXXX  Federal Perkins Loan Servicer with a principle amount of {$3000.00} and a current balance of {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX, Experian, & XXXX in XX/XX/XXXX requesting the bureaus provide their method of verification for a XXXX  XXXX & XXXX XXXXXXXX bankruptcy listed on my credit report. I also contacted the court house in GA & TN in XXXX & was advised the court does not provide bankruptcy information to credit bureaus. I spoke with XXXX, XXXX employee on XX/XX/XXXX and requested the method of verification & was advised XXXX provided this information. XXXX was unable to verify they received a copy of the bankruptcies themselves & referred me to contact XXXX. XXXX confirmed XXXX received my letter in XXXX & stated she would note my dispute Confirmation XXXX. I called XXXX representative XXXX XXXX badge number on XX/XX/XXXX. The representative advised they used a 3rd part service called XXXX. Rep stated she could not verify the bankruptcies and would file a dispute so XXXX could verify how the information was verified & initiated a dispute. XXXX is not 100 % accurate and should be utilized as a primary source for verification. Also, to my knowledge, per FCRA-a dismissed bankruptcies should be removed because there is no proper reporting of a dismissed bankruptcy. Per FCRA the credit bureaus must provide upon request a letter showing the method of verification used. I did not receive this and I requested this in XXXX. XXXX does not provide 100 % accuracy and without the credit bureaus obtaining any information directly from the court house, how can they report two bankruptcies without proper verification. Please further review and request all bankruptcies be removed from my report. XXXX XXXX reference # XXXXXXXX XXXX XXXXXXXX reference # XXXX Ive attached documents to confirm my identity. 
Thank you