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

Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with Experian. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.
Product: Debt collection

I am not liable for this debt with Midland Credit Mangement ( {$760.00} ) & ( {$570.00} ). They refuse to provide me with the original contract with my signature and ID verification. Which according to 15 USC 1681 stats a consumer credit report it is illegal for a collection agency to report negative items on my credit report and promotes accuracy, fairness and the privacy of personal information assembled by ( CRAs ) Credit Reporting Agencies, I did not give written permission to have those accounts furnished on my credit report.Please removed off all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not give written consent or permissible purpose to report this account to my consumer report. this is a clear violation of 15 usc 1681b ( 2 )
Product: Credit reporting or other personal consumer reports

I do not recognize the negative accounts appearing on my credit, please remove them
Product: Credit card or prepaid card

I paid for the Lowes credit card. It is the store Lowes credit card. They started the {$150.00} payment did not go through on XX/XX/XXXX. I spent the bill on XX/XX/XXXX when I got my social security, and the bank stated the payment was approved and was paid to Lowes. Lowes is refusing to accept this information from my bank. They closed my account WITHOUT my knowledge. I always make my payment ; I always make more than required. I pay anywhere from XXXX to XXXX every month when prices are only XXXX a month.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my disappointment and frustration regarding the initial attempt made to address the issue of late open accounts associated with my account. 

As a valued customer of your company, I have always appreciated the quality of service and reliability you have provided. However, in recent months, I have encountered challenges with the timely opening of accounts, which has resulted in significant inconvenience and financial strain. 

Upon noticing the occurrence of late open accounts, I promptly reached out to your customer service department in good faith, seeking assistance in resolving the issue. Despite providing detailed information and expressing the urgency of the matter, the response I received was inadequate and failed to provide a satisfactory resolution. 

The lack of prompt action to rectify the late open accounts has not only caused frustration but has also resulted in additional fees and penalties that could have been avoided with timely intervention. Moreover, the delay in addressing this issue has eroded my confidence in your company 's commitment to customer satisfaction and efficient service delivery. 

As a loyal customer, I expect and deserve better treatment when encountering issues such as this. Therefore, I am requesting the following actions be taken to address the shortcomings of the initial attempt to correct the late open accounts : A thorough review of the communication and actions taken in response to my initial complaint to identify areas for improvement. 
Immediate resolution of all outstanding late open accounts associated with my account, including the reversal of any fees and penalties incurred as a result of the delay.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including improved communication protocols and proactive monitoring of account statuses.

A formal apology for the inconvenience and frustration caused by the ineffective handling of this matter.

I trust that you will treat this complaint with the seriousness it deserves and take proactive steps to address the underlying issues. I value our business relationship and hope that through effective resolution, we can restore trust and confidence in your company 's services. I am asking for your assisstance to correct the late open accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00}.
Product: Mortgage

Navy Federal Credit Union has been involved in multiple deceptive practices, including but not limited to the violation of RESPA, TILA, FDCPA, SCRA, Extortion and more.

After refinancing my mortgage with Navy Federal Credit Union in XX/XX/year>, shortly after, they had transfered/sold the debt to a third party in XX/XX/year>. 
The sale is to be done in accordance with Florida statutory requirement of law F.S.A. 677.501, which has not happened. The acquiring of rights is to be done in accordance with Florida statutory requirement of law F.S.A. 673.2031, which has not happened, and true assignment of the debt is to be done in accordance with Florida statutory requirement of law F.S.A. 673.2031 has not happened. Until this day, I never received a notice about their transaction, which was required to happen within 30 days. 
Also XXXX XXXX, Guaranteed XXXX Pass-Through Securities and MX Securities XXXX XXXX XXXX XXXX XXXX, and Trustee : XXXX XXXX XXXX XXXX are not mentioned in the Deed of Trust. 
Navy Federal Credit Union has given up all its rights to XXXX XXXX in XX/XX/year>, but fail to record it within the Official Records of the XXXX XXXX XXXX XXXX XXXX & # XXXX ; XXXX XXXX, which makes it void under Uniform Electronic Transactions Act ( XXXX ) XXXX XXXX. 
The Note has not been indorsed by the Original Lender, Navy Federal Credit Union. 
This evidences that no negotiation under F.S.A. 677.501 concerning negotiable instruments has occurred. Clearly Navy Federal Credit Union has released none of its interest in the XXXX XXXX Note. 
The XXXX XXXX Mortgage is governed by Florida State Law. Florida State Law and Federal Law recognize and require proper recordation of assignment to transfer ownership of the XXXX XXXX Mortgage. 
Navy Federal Credit Union retained no beneficial interest in the XXXX XXXX XXXX XXXX ( the debt ) after selling the XXXX XXXX Intangible Obligation ( the debt ) to XXXX XXXX shortly after the XX/XX/year> signing. No assignments of the XXXX XXXX Mortgage to the XXXX XXXX Trust have been recorded into the Official Records of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Office. There is no evidence of negotiations of the XXXX XXXX Note to the XXXX XXXX XXXX. With no properly recorded owner of the XXXX XXXX Mortgage, there is no one to enforce the conditions over the XXXX XXXX Intangible Obligation ( the debt ) which is no longer evidenced by the XXXX XXXX Note. The XXXX XXXX XXXX ( the debt ) is no longer secured by the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited multiple car lots to find car and they stated that they will only run my credit once but checked it an enormous amount of times. Which extremely negatively affected my credit report. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, after I received calls from several different companies promising me high earnings, I was persuaded by the representative at XXXX that it would not only benefit my business, but that without it, I would not succeed. So, I purchased their marketing packages, and the most expensive coaching ever, because I never received but a few very basic instructional calls leading to nothing, my mentor told me the marketing would put my business on the first pages of XXXX search engine and companies would come to me to sell their product, however, I cant even find my site on XXXX search at all ; when searched it returns saying not secure. 
I paid them {$2400.00} with my bank Chase Bank XXXX card in XX/XX/XXXX I have come to realize I paid several companies who led me to believe that I would receive great earnings, I should have known better, but it all ended up being internet fraud. I have tried disputing the charges with the merchant and ask for my money to be refund several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED! 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

I retained XXXX XXXX XXXX to do a Modification for my home in XXXX of XXXX. I paid them about XXXX dollars, and never got a modification..On XXXX XXXX I called up my lender whose name is Nationstar Mortgage and was told my home was sold on XXXX XXXX XXXXXXXX law group never contacted me regarding this matter at all. I also never receive any notices about a Court Date for a Foreclosure Court appearance. In XXXX of XXXX I XXXX XXXX faxed short sale documents to Nationstar Mortgage cause I was under water. Nationstar Mortgage said they never received any documents. So on XXXX XXXX XXXX I called up Nationstar again to fax over some more documents to be told my home was sold on XX/XX/XXXX.XXXX group never contacted me or my Wife regarding this matter now me and my Family have to pack up and leave the premises because of XXXX negligence.This really hurts cause I have a Family.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$44000.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX  several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Product: Credit card

recently reviewed a copy of my report. I was shocked to learn that I have been a victim of identity theft. I found numerous inquiries and purchases on my credit report that were not opened by me. This has been hurting me as l am in the process of buying a home. Please remove the fraudulent accounts from my credit report as soon as possible.I have also seen when I pay my account on time nothing happens to my account or score something isnt adding up with my credit. I am also a XXXX XXXX  trying to pay for XXXX. I would like this taken care of immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I sent a letter to your company disputing incorrect information on my credit report but they did not correct the erroneous information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report, which they failed to do so. Physical verification was not provided.
Product: Vehicle loan or lease

While I was going through bankruptcy XXXX XXXX contacted me via mail and advised that they could get me into a vehicle as they somehow found out that I had filed for bankruptcy. Im assuming they obtained a list of Bankruptcy filers and sent out mailers to those listed. Desperate because I was going through Chapter 7 bankruptcy I went there and was approved for a vehicle on XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX XXXX. The vehicle was sold to me at an extremely high interest rate and for a loan amount that I would always be upside down in. I of course was not aware of this at the time. Despite paying on the vehicle for over a year now, only a little over {$1000.00} has been paid towards the principal and my monthly payments are a ridiculous {$890.00}. I still owe {$32000.00} my interest rate is over 24 % and the vehicle is only worth {$13000.00} on the high end. Therefore I have a LTV of 236.24 % and I have no hope of ever being able to get out of the loan nor refinance it. The dealership assured me that after a year I would be able to simply refinance the loan. However that was a lie to just get a desperate woman to sign the loan documents while going through my already stressful bankruptcy. The lender Prestige and the dealership used predatory lending on me during my time of weakness and distress. Is there anything that can be done about this at all. My only recourse at this point is to struggle to keep trying to pay on this very high upside down loan or to voluntarily surrender the vehicleboth of which will ruin my already tarnished credit even further. They set me, the Consumer, up for failure with their predatory lending by making me believe that they were helping a woman in distress. Please help me with this matter. I thank you in advance for any assistance you can provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I tried to get my credit report from TransUnion. I thought this was a free report. I went through with signing up and I did not see where it said that there is a XXXX XXXX  monthly fee. I was charged the monthly fee plus tax. I think their website is misleading and the payment information should be more prominently displayed.
Product: Credit reporting

Dear Credit Reporting Agencies : XXXX XXXX XXXX , XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under
Product: Checking or savings account

Details of the Complaint : XXXX. False Advertising : Sofi Bank advertises features such as 4.2 % APY and access to XXXX services. However, the XXXX feature is locked unless the account is set up with direct deposit. Despite meeting this requirement, XXXX functionality was not enabled on my account. 
2. Compliance with Requirements : I initially set up my direct deposit to Sofi Bank, but XXXX remained unavailable. To ensure compliance, I contacted my CPA, who confirmed my Sofi account as my primary direct deposit account. Despite this, the XXXX feature was still not activated. 
3. Poor Customer Service : I contacted Sofis customer service team multiple times to resolve the issue. The representatives were rude, unprofessional, and unwilling to provide clear guidance or solutions. During my final call, the manager I spoke with was dismissive, uncooperative, and even terminated the call without resolving my concerns. 
4. Unfair Practices : No other financial institution I have used requires direct deposit to unlock XXXX. This unnecessary restriction makes Sofis account features inaccessible and inconvenient, especially for customers without the ability or desire to set up direct deposit. Sofis failure to fulfill their advertised services feels misleading and unfair to consumers.
Product: Checking or savings account

On XX/XX/2022, I deposited a check into my Capital One checking account from my employer in the amount of {$1600.00}. The day I deposited the check, Capital One closed my account. I called them and I even went to the physical location, and they told me that they closed my account due to " suspicious activity ''. They also told me that there's nothing that I can do to re open it, and that they will send me a check with the balance that was in my account within 14 days. It's been almost 2 months, and Capital One hasn't send me any check or correspondence about this issue. As I mentioned, this check was from my employer and I need the money to pay for my living expenses. I've called Capital One numerous times and they continue telling me that this is under investigation and there NO time frame when the check will be issued and sent. They are basically telling me that it can take up to 10 years for them to send me my money back! I would really appreciate some help with this matter as I need this money to live.
Product: Mortgage

I short sold my home a few years ago and part of the agreement with my mortgage company was that I would have a $ XXXX payoff amount that would be paid back monthly. Initially this would be paid to XXXX XXXX XXXX Bank, but last spring it was sold to Bogman Inc. When it was held by XXXX XXXX XXXX I had major issues with their billing department, so my account was not accurate when it was transferred to Bogman. I contacted Bogman in XXXX XXXX to obtain a payoff amount for this account and did not feel that the amount that they quoted was accurate due to the issue that I had with XXXX I was asked by a representative who was handling my account at the time to document my poor customer service from XXXX XXXX XXXX because numerous customers whose loans they had taken over had serious issue with billing at XXXX XXXX XXXX. So, On XXXX XXXX, XXXX, I sent a very detailed email to Bogman , Inc and part of my email stated XXXX under the circumstances, I felt that it was completely appropriate for me to refuse to pay the interest that Bogman was going to charge me for nonpayment for the period that XXXX XXXX XXXX Bank were the holders of my loan. That I attempted to pay this loan in full in XXXX XXXX, but could not obtain the correct balance information and as I had documented, I made numerous phone calls to XXXX XXXX XXXX that went unanswered. I was told that my account would be reviewed and that someone would get back to me. Needless to say, I have had to send numerous emails since XXXX XXXX inquiring about that review status of my account and no one has ever gotten back to me. Since Bogman took over my loan, I have never missed a payment ( until recently, I told them that I was not paying them until I herd from someone ) and I believe that they have just taken my payments and and applied a portion of it towards the interested, even though I stated that I was refusing to pay those. I have always been in excellent standing with Bogman ( at XXXX time they held my mortgage loan ) and they actually hold another small payoff loan that was part of my short sale agreement. I am completely frustrated that I have not received a response from anyone at Bogman. 
Thank you!
Product: Credit reporting or other personal consumer reports

According to XXXX use XXXX Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to XXXX use XXXX ( XXXX ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to XXXX XXXX XXXX ( XXXX ) and they never did. I have proof of my letter for that. 
Also according to XXXX XXXX XXXX XXXX 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan that does not belong to me on my report. The company reporting it is XXXX.
Product: Payday loan, title loan, or personal loan

We have been retained by XXXX XXXX XXXX for a limited amount of time to help you resolve your late balance of {$770.00} with a default date of XXXX XXXX, 2016. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. 

We request that you make a payment and resolve your balance. 

Please click here to view your payment options. You can also respond to this email with any questions. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX