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

I CONTACTED XXXX AND ONE MAIN FINANCIAL ALREADY REGARDING THIS ISSUE I HAVE HAD A FRAUD ALERT POSTED TO MY ACCOUNT AND HAVE MY CREDIT FILE LOCKED.. I AM DISPUTING ( 2 ) CREDIT INQUIRIES MADE BY ONE MAIN FINANCIAL THAT I DID NOT AUTHORIZE WHEN I GOT MY ANNUAL CREDIT REPORT I NOTICED THESE INQUIRIES.. I FAXED A LETTER TO ONE MAIN FINANCIAL ON XX/XX/XXXX REQUESTING VALIDATION THAT I AUTHORIZED THIS. I GOT NO RESPONSE WITHIN THE ALLOWABLE TIME FRAME.. SO I FAXED A REMINDER LETTER ON XX/XX/XXXX AGAIN REQUESTING VALIDATION ... TOWARDS THE END OF XXXX I RECEIVED A LETTER FROM THEM STATING IT WAS FROM SPRINGLEAF FINANCIAL ( WHOM I NEVER HEARD OF ) BUT YET STILL NO VALIDATION SUCH AS COPIES OF THE APPLICATIONS SHOWING I APPLIED FOR THIS LOAN.. NOW THEY ARE OUT OF TIME.. I WANT THESE BOGUS INQUIRIES REMOVED.. 
THE DATE OF THE INQUIRIES ARE : XX/XX/XXXX AND XX/XX/XXXX ... AGAIN NEITHER ONE OF THESE DONE BY ME .... 

I DEMAND THESE BE REMOVED AT ONCE .... I ALSO CONTACTED XXXX   TO REVIEW THIS INFORMATION IN DISPUTE ....
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding, LLC regarding their handling of a collection account on my credit report. Despite multiple attempts to resolve this matter through the proper channels, LVNV Funding has failed to respond to my requests for debt validation.
Product: Debt collection

A few months ago I ordered a credit report and noticed that I had a new collection on file from AARGON agency, I immediately made contact with AARGON agency and told them that this information was incorrect. I mailed them several letters and put in several disputes online as well. This account is not mine and I don't appreciate them sending my personal information out, violating my HIPPA rights. In another complaint this company mentioned something about an identity theft package. ( which I never received ) I have attached 2 separate identity theft packages, one that dates all the way back to XX/XX/XXXX and a more current one from XX/XX/XXXX! This debt is not mine. This company is failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection in which they are saying is mine.Please be advised I have requested " validation '' not verification of the item reported by the above collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, Aargon Collection Agency did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. Please help me with this company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the Fair Credit Reporting to section act ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find, any perissible purpose under this section that justifies their presence on my report ACCOUNT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The first set of dispute letters were sent in on XX/XX/2021. It has been more than 30 days and no response. I have reopened the investigation and submitted the letters again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 4. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

There are old inquiries including the following that I reached out in XXXX to XXXX XXXX and Equifax and XXXX to dispute, but the information is still not removed and now its XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks, XXXX XXXX XXXX
Product: Vehicle loan or lease

the loan amount was trippled then they repo the car put a high fee on me then have me in dept keep reporting negative items on my credit report
Product: Debt collection

I was in the hospital on XX/XX/XXXX to XX/XX/XXXX. I didn't have insurance at the time and was unable to pay the large balance. The bill went to a collection agency called XXXX XXXX XXXX. This company is adding interest to the medical bill. The original bill does not have interest applied. I did some research and I've read that if the original bill does not have interest applied, a debt collector can't add interest. I explained this to the company. They are adamant on adding interest to get it paid. I told them recently that what they're doing is illegal and will refuse to pay interest on a medical bill. I'm paying the bill, just not the interest.
Product: Checking or savings account

I submitted a dispute on XX/XX/year> to Credit Karma Money Services, because I had came back into the country from being on Vacation for several months. I realized my account was being used fraudulently and there was several Instant Transfers that were taken place on my account without my authorization. My phone was stolen back in XXXX, XXXX  and this was a short time before I left on Vacation. I didnt think about the person who stole my phone having any access to my accounts at the time, but because everything was saved on my phone from screenshots, to saved passwords and saved cards on my phone they had access to everything. They accessed my Credit Karma Money account and linked a card to the account that was not in my name, and it states it only allows customers to link cards that are only in their name, the cards that were linked couldnt of been in my name, so they allowed cards that were in someone elses name to be linked to the account and allowed for Instant Transfers to be withdrawn from my account to be sent to the those cards. 
There was XXXX Instant Transfers that were done not on my behalf. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Karma has denied my disputes and has closed my account. In a document they sent me it states Regulation E only covers unauthorized electronic transactions.

These transactions are in fact unauthorized electronic transactions.

I dont understand why my account was closed and they no longer wish to help me further with this matter. 
This is unacceptable.
Product: Mortgage

In XX/XX/XXXX, Rocket Mortgage said my payment was late. I mailed payment XXXX and a half weeks before. The check was deposited the first business day after late fees were charged. I took the lateness as being holiday season and let it go. Then on XX/XX/XXXX I got an email saying late fees were going to hit again because of no payment. I made payment online to avoid late fee. On monday XX/XX/XXXX I called Rocket Mortgage to find out what would happen to the check I sent since I made payment online. They said it would be credited to next payment but I did not have funds to cover XXXX payments and Rocket said they would refund in XXXX to XXXX business days. SO I would be without funds for that long so I called my bank and put a stop payment on it. I told the lady that I bet you cash check today since it was after late fees kicked in. Well surprise surprise they tried cashing check that day ( XXXX ). I called Rocket again and asked why they are holding my checks till after late fees kick in, they said they dont. It has happened twice now in 4 months. I mailed check on XX/XX/XXXX, XXXX weeks later they get it. The check is mailed to an address in XXXX XXXX, IL. I also send to credit card payment at the same time to XXXX XXXX. Those checks clear within a week ( in XX/XX/XXXX and XX/XX/XXXX ). So I know the check is getting there in plenty of time. Rocket Mortgage is holding checks till after the late fee kicks in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I upload my passport and a current bill to show proof of residents and no action was changed on my credit personal profile on credit report. I called XXXX transunion, and XXXX on XX/XX/2023 to correct my personal profile and to please mail in proof of the change and it was not corrected. I am reaching out to you to help me to remove all inaccurate information off of my credit report, and update correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should be deleted but still appears on the credit. It has been 7years however it is still there.
Product: Payday loan, title loan, or personal loan

I received a pre-approval letter from Priority Plus Financial for a personal loan. I called the number they provided and gave them the pre-approval code. After providing them my personal information to apply I was denied for the loan. When I inquired about why I was denied I was never given a straight answer, and they also misread my credit report and quoted things to me that were inaccurate. I spoke with XXXX and XXXX. During the call they indicated that my credit report showed I was currently in credit counseling ; however, I pointed out that I was never in credit counseling and that the account in question had been paid-off several years ago, to which they backtracked and realized they were wrong. XXXX also told me I had a public record on my credit report, and after I questioned her on this, she rescinded her statement and admitted there was no public record. She even admitted this wasn't the reason I was denied but she couldn't explain why she even brought it up in the first place. She mentioned my credit utilization was an issue, and also said she would look into options to ensure the loan proceeds would pay off the debt and lower the utilization, but I never got an answer on this either -- after putting me on hold she just transferred me back to XXXX, who then proceeded to try and steer me to a debt settlement service and even said it would have a bad impact on my credit, after I had already explained I was not interested in this service! The process was unnecessarily frustrating and they didn't seem to have any legitimate reasoning behind anything they were telling me. They also distributed my information to other loan companies, promising results, but no success here either and I didn't even apply to these companies! The whole process felt abusive and deceptive with no true intention of helping, and appeared to be an excuse to get my personal information and to try and steer me into a debt settlement service and charge me fees.
Product: Credit card

On XX/XX/year> I was charged {$1200.00} for bad service and parts.

My truck was broken down and parked in the rest area
.

The road service XXXX XXXX XXXX drove up to me on their own and offered to fix.

After my explanation about electrical issues, they PROMISED to fix the problem with the engine starting.

They found by their opinion that the starter is bad and offered to buy a NEW one and deliver to me.

They replaced it and nothing changed. The engine still couldn't start. The problem was not in the starter, but after payment they left and took my WORKING starter. I had to pay them by invoice, otherwise I would have had problems with them.

I took pictures of their starter just in case and the pictures helped me later.

I ordered the towing to the other shop, they fixed the electronic issue and I left the shop on my truck.

In the next 1-2 days, the starter started getting worse and worse. And I came to another shop to check the starter, I was already in other location.

The new technician showed me the scratches on the starter on my previous pictures and told me that the starter was already used before installation and it looks
like the starter was defective, XXXX, not original.

After removing the defective starter, he showed that it was painted in addition, and it didn't have the factory
sticker like original XXXX parts. 
After replacing, the new starter works perfect. 
I wasted a lot of time and money because of their bad service and parts. I have disputed that transaction and asked getting my money back. All invoices and pictures are available as a proof.

I've attached 3 invoices : - XXXX XXXX XXXX This is a disputed transaction. They didn't fix the issue and installed the broken not original XXXX starter. 
XXXX XXXX XXXX XXXX XXXX invoice. The next shop found and fixed the electrical issue, that bad starter was getting worse. 
- XXXX $ XXXX The last 3rd invoice. The starter stopped working. The next shop replaced to the Original brand new starter. See the notes in the invoice from technician.
Product: Debt collection

Central Credit Services LLC who works for XXXX XXXX constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to XXXX XXXX when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to XXXX XXXX and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XXXX of 2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.
Product: Credit card or prepaid card

I signed up for a Citi Bank card and and have been trying to pay it off for years. I have paid thousands of dollars and because of the interest rate I am unable to make any progress. I have reached out to the company multiple times and have either been told someone will call me back and never does or that there is no option for me at this time and they want me to call back after the next cycle. I have tried desperately to make payments or lower interest rates but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now resending that authorization via 15 U.S code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything being reported on my credit report. XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30days. failure to comply with this request may result in further action being taken to protect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of XXXX multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Product: Debt collection

I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.
Product: Debt collection

I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX for the last year. I have made numerous amounts of phone calls to them about updating my credit report. Removing inaccuracies and accounts that violate FCRA laws and 15 U.S. Code 1681c2 - Block of information resulting from identity theft. They have no removed any debt at all or none of the personal information I requested to be removed. 

Also, for them to update my credit report accurately, they want me to get a membership with them to update my credit report and allow me to see an accurate report with them. This is a scam set up to steal money from the consumer. And not allowing me to see an accurate credit report or update my credit report so I can pursue buying a home or getting a car loan. I am asking to resolve this issue with them multiple times before proceeding to federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XX/XX/2023 Dear Equifax My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquire on my Transunion credit report from XXXX XXXX on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Our home in XXXX burnt down in the XX/XX/XXXX XXXX  fire. After the fire we were paying our mortgage as well as rent on a XXXX XXXX on XXXX. To lighten our monthly financial burden, we wanted to pay off our mortgage loan. We contacted Newrez to pay off our loan and received a payoff amount of {$830000.00} with a payoff closing date of XX/XX/XXXXXXXX. My husband and I were directed to send in our funds, which were split between personal funds and insurance claim funds. We received {$410000.00} from insurance funds, of which we signed over the checks and expedited them to Newrez/Shellpoint by XX/XX/XXXX. The remaining amount which was {$410000.00} was paid from our banking account, XXXX XXXXXXXX XXXX. The wire transfer to Newrez/Shellpoint was made on XX/XX/XXXX and received by XX/XX/XXXX. We were also advised to send in a letter of intent to use our claim funds to pay off our loan. This letter was received by Newrez/Shellpoint on XX/XX/XXXX. We completed all required tasks with the correct funds by the XX/XX/XXXXXXXX  payoff closing date. However, our loan has not yet been closed and instead we have been sent several new payment amounts which have increased in amount due to daily interest. We have spent over XXXX  hours on the phone and taken 5 days off work to speak with Newrez and Shellpoint in order to remedy this issue and explain that we made our payoff date and should not be penalized by their incompetency to process our funds to close the loan. While they continue to not close our loan, our amount keeps growing as interest is accumulating. We are also being told that we owe our XXXX mortgage amount. Ive told Newrez/Shellpoint various times that no amount should be owed as we have paid off our loan in its full amount for the XX/XX/XXXX2023 payoff closing. I have continued to call Newrez/Shellpoint and have been transferred to various departments, all placing the blame on other departments. At this point, I am not confident they will fix this issue and close out our loan. After many attempts to close the loan while holding our money for one month, they have still not processed the finances and continue to go back and forth between various departments figuring out what the hold up is. No progress has been made to close the loan.