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

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX at the time of purchase I did not have a strong financial background in terms of a job as I was working part time for a retail company making {$10.00} an hour and was a XXXX XXXX XXXX. The car salesmen was aware of this, he asked me to provide my paystubs and student loan information as he will handle the rest on his end. I was only XXXX years old and saved up {$2500.00} from working I had no idea what I was doing but I was looking for a car to get me back and forth from XXXX to XXXX XXXX for XXXX. In XXXX, I became XXXX  with my XXXX XXXX and had a difficult XXXX which required me to be out of work often, in result I was not making enough money to cover the $ XXXX monthly car payments. I tried discussing a payment plan with XXXX XXXX XXXX however they were not inclined on making such a plan as they wanted a full payment. In result on XX/XX/XXXX the vehicle was repossessed, I did not have the money to pay the past due balance and the fees associated to obtain the vehicle again. When I called late XXXX of XXXX about the vehicle I was told the vehicle had already been sold and the final amount of the account will be sent to me. 

My last call to XXXX XXXX XXXX was sometime in XX/XX/XXXX as I received a notice with a balance of around {$14000.00}, I inquired on why the amount was higher than what the vehicle was purchased and why they were attempting to collect on a balance of {$14000.00} when the vehicle was sold and funds were recouped from the loss of the sale. I did not receive a direct response but instead the call was forward to a department to discuss the situation however no one responded the call. When the account was placed on my credit in XX/XX/XXXX it was first reported as a repossession than in XX/XX/XXXX it was changed to charged off. I have been disputing this case with all three credit bureaus due to the egregious errors placed on my credit and the shady practices that XXXX XXXX XXXX is participating in. XXXX XXXX XXXX has placed on my credit file that {$7500.00} was written off and {$10000.00} is past due. How can I owe {$18000.00} on a vehicle that was not merely purchased for that price, I purchased the vehicle for around {$13000.00} and the vehicle was sold in under 2 months upon repossession. I never received documentation on how much the vehicle was sold for and I still do not understand why there is a balance of {$10000.00}. 
In XXXX, I received notification from the state of Maryland that my account in question was eligible to have the outstanding loan to be waived under a court case that was ongoing. When I contacted XXXX XXXX XXXX to discuss my account and it being waived I was told my account was not included in the waived account list. When I researched it further and contacted the hotline where account holders can obtain further information about the case I was told that my account is apart of the waiver.
Product: Checking or savings account

I was scammed on XXXX for the total amount of {$600.00}. Charges were made in the amount of {$250.00}, {$150.00} and {$200.00}. I was supposed to receive a service and never got it. XXXX XXXX   admitted the person was a scammer and didn't do anything about it. This happened around XX/XX/XXXX. My bank denied my claim because I did authorize the charge, however it was a scam. I also received a generated email that looked like payment was sent from XXXX that said money was sent, which is why i believed it to be real.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. This account is not accurate. I notified in writing and online Transunion that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account is closed and paid in full and paid on time. It is however reporting payment schedules as inaccurate. All payments were made on time and not late. In addition, when reporting this inaccuracy in XX/XX/XXXX there were duplicated accounts from XXXX listed. XXXX account was accurate with payments reflected as on time and another was inaccurate showing payments late. I requested the inaccurate account be deleted. TransUnion deleted the accurate account and left the inaccurate account with inaccurate payment history on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, XXXX, Equifax, and XXXX are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on XXXX, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/XXXX
Product: Debt collection

About a week ago I was contacted by someone from Ad Astra Recovery Service the man name was XXXX XXXX stated that I would be going to jail since it is considered theft in the amount of {$6700.00} XXXX told the man XXXX that I am disputing that since it only shows on my XXXX credit report. XXXX then raised his voice and demanded me to get my check book out and set-up a payment arrangement right now. I got upset and told XXXX don't yell at me sir, I'm an elderly woman XXXX then said ya an elderly woman who can't her XXXX bills. He then began to say rude an mean things such as maybe you did forget XXXX XXXX does hit people around XXXX. I was extemely upset after this phone call and I have never been spoken to this way. XXXX advised me to make a payment within the week otherwise the sheriff will be handcuffing me and taking me to jail. XXXX went as far as to say I'll have to be someone's girlfriend once I'm booked and processed. Is this legal at all. Why would this company Ad Astra Recovery Serv allow these type of people to represent them. I asked to speak with a supervisor XXXX said he is XXXX and not to bother because I would need to focus on finding me a girlfriend.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN Accordance with the fair Credit Reporting act convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my writte n instructi
on.
Product: Credit reporting or other personal consumer reports

Self lender spreads on my credit report I did not open this account nor did I authorize or give consent for anyone to open on my behalf
Product: Mortgage

We have an existing complaint filed but they bank is now claiming they can not provide a deed in lieu as they already started legal proceedings. They told us we had to do a short sale first ( we did, they denied the offer we got ) and they continued legal proceedings through the process they said we had to do, now they claim its too late for a deed in lieu. They are the ones who cost us wasted time and now are using it as a reason to foreclose. 

We provided paperwork last time but would be happy to do so again
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 Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : # XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

In XX/XX/XXXX my husband and I opened a construction loan with Banner Bank for our primary residence. The loan amount was {$810000.00}. The construction loan was supposed to convert to a conventional mortgage automatically after completion of the home. Unfortunately, our builder walked off the project XX/XX/XXXX after destroying our septic Field causing {$50000.00} in mitigation losses. 

Banner Bank was notified that the builder had walked off the project and that I was working towards completion. Since XX/XX/XXXX, we have been paying for a monthly extension on our construction loan until we can obtain a Certificate of Occupancy. 

In XX/XX/XXXX, Banner Bank decided they no longer wanted to wait for the completion of our primary residence and converted our construction loan into a mortgage without our permission and without a Certificate of Occupancy. We are paying principal and interest on the entire amount of the construction loan even though Banner Bank refuses to release the remaining {$54000.00} until completion. 

Banner Bank has told us that the last 10 % of the construction loan funds could not be dispersed or reapplies to our principal until we received a Certificate of Occupancy and all liens are satisfied. They stated that the unused funds ( {$54000.00} XXXX would remain in an escrow account and we would still have to pay principal and interest on the escrow account. 

I have explained to Banner Bank that we are in litigation with the builder to have his unjustified lien released and that I havent been able to get a Certificate of Occupancy due to the county inspections being closed during the pandemic but they refused to hold off on the mortgage conversion. I also explained that this action puts us in undue hardship during the pandemic because we now have to pay for principal and interest on a property which we can not legally live in, homeowners insurance we do not qualify for since the house is not complete, and a higher amount of property taxes which will essentially sit in their escrow account. We are also locked into a 5 % interest rate 30-year-mortgage without the ability to refinance because we do not have a Certificate of Occupancy.

They have refused to explain how they can legally do this and when we were advised that this action could happen. Every time we ask to elevate this issue they ignore our questions and refuse to work with us to achieve a resolution. I have emailed the head of the mortgage/construction Department with no answer. The person who has been corresponding with me is XXXX XXXX, Assistant Vice President, Custom Construction Supervisor. She refuses to answer our questions and has told us twice to talk to our lawyer because Banner Bank is operating under standard practices in their industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of correcting errors on my credit report and I disputed some of the inaccuracies with Experian online and they website stopped me and requested that I send in a form with my DL and social security card. I filed Chapter XXXX Bankrupcty so all my items that were included in my BK petition should not show any balances or late payments. On XXXX XXXX, I typed up my dispute, included all the forms that they requested and have not heard any resolutions from Experian. XXXX XXXX XXXX shows a balance and is reporting a late payment which caused my score to drop 25 points as if XX/XX/17. XXXX XXXX XXXX was included in my Bk, Experian continues to report a balance and late payments and they are telling me that they verified this with the creditor. XXXX XXXX XXXX was also included in my BK and they continue to report a balance and a late payment.
Product: Credit reporting or other personal consumer reports

I have sent 5 certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I writing in regards to Chime bank ( XXXX XXXX  ). Mainly in regards to faulty customer service practices and a heightened amount of account suspensions and closures in the middle of a pandemic when assess to funds are critical. With this being my primary bank account i have been cut off from all funds and assess to my personal information with no concrete information as of why even though i verified my identity on two separate occasions when prompted to do so. On XX/XX/XXXX upon receiving a new t elephone number i notified chime and provided proof of id and ownership as requested to do so and was told my number was changed. The chime app is the only method if assess to monitor your funds and a user is often forced out sometimes being mysteriously let back in. On XX/XX/XXXX i was once again being forced out of the chime app i was prompted to manually change my number that was supposed to be changed in XX/XX/XXXX by chime to gain assess. i was asked for identifying factors which i provided then asked to provide a code sent by text to my telephone which i tried to do 5 times before calling customer service. I called customer service and asked what the problem was which was never answered asked yo send identifying info to support which i did. I waited several hours to assess my account again to pay bills and was notified that my account was suspended I emailed and was prompted to send further id to which provided again. I have emailed and called on XX/XX/XXXX, XX/XX/XXXX on which i was told my problem. was being escalated and would be solved in 24 hrs, XX/XX/XXXX to no avail even speaking to supervisor XXXX the would not tell me why my account was suspended offered no support and told me to email. I now have no XXXX to unemployment monies which took five months for me to receive In the middle of snow storm and pandemic. I am confused. And without out funds that are mine. I am also unable to monitor my account for fraud and theft. This is happening to others too.
Product: Mortgage

PennyMac is my mortgage loan servicer. I have an FHA loan. I have a letter of approval for purchasing a future primary residence. I had placed my home on the market while visiting/researching moving to XXXX. I made a final decision to remain in my home. At which point I asked to apply for a FHA Cash-Out refinance instead, in order to make home improvements and bill consolidation ( Air Conditioner XXXX Storm Impact Windows, and to Pay off Federal Tax Lien etc. ). 

What I experienced was harrowing, in that I was being subjected to what I perceive as a service failure. I was denied/refused the ability to apply for an FHA refinancing loan. I would contact XXXX ( XXXX ) to get clarity on my concern. I received an e-mailed advisement confirming the lender policy was not in accordance with their guidelines. I then forwarded the email back to my lenders loan servicing agent. At that time only, did I receive an advisement, that what they were doing was legally condoned as a fair lending practice by my government. They had applied something I had never heard of in my senior years. They had applied a lending overlay which enabled them to apply their own lending/servicing preferences ( a FHA loan can not be applied for if your home has been on the market within the last 6 months ... initial verbal advisement later changed to 120days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been monitoring my credit scores with XXXX and Equifax. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both XXXX and Equifax have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX
Product: Debt collection

I have never had a Best Buy account and it needs to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the reporting of XXXX XXXX XXXX reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, Equifax, XXXX and XXXX XXXX XXXX and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item from XXXX XXXX  appeared on my credit report that did not belong to me. I disputed the item with all three credit bureaus and all three confirmed that it was not mine and removed the item from my report. Now the same account has appeared again but is being reported by Portfolio Recovery Assoc. I once again disputed this item but Portfolio is claiming their information is correct and is refusing to remove it from my report. This is not my account and needs to be permanently removed.
Product: Debt collection

I called the company on XX/XX/2022 and settled the debt and I never received a letter in the mail. I was treated very poorly via phone when I called on XX/XX/2022. I was told that I can either receive the settlement letter by mail or email. I never received the email and called the company back on XX/XX/2022 to let them know I did not receive it. I requested to speak with a Supervisor and was verifying my mailing address. They had the wrong mailing address and I provided that to them the day I set up the payment arrangement to set up the debt. To this day I never received the letter via mail. They would say anything just to get me off of the phone. I called back one last time on XX/XX/2022. I asked if the debt would be deleted off of my credit and I was told that it will not be deleted even though the debt was settled.