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

Im trying to get to the bottom of why my Equifax score dropped 20 points over night back in XX/XX/2018, when everything is paid off and I have no hard inquiries or anything lik that. I requested my free credit reports on XXXX and successfully was able to view my XXXX and XXXX reports, but of course the only one I was trying to see ( the Equifax ) was the only one that mysteriously was unable to view online. Even after successfully passing my identity verification disclosures. Im unable to make any type of  dispute with Equifax unless I can see it online, and for some reason, or another, theyre essentially making it impossible to do so.
Product: Vehicle loan or lease

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We applied for and were approved for a loan modification. After the third trial payment was made in full on time we were advised of a judgement/Lien. We took care of this immediately and provided the mortgage company with a warrant of satisfaction which was obtained from superior court. This warrant states that the judgement in question was paid in full and judgement closed. The mortgage company then requested county recording information. As it appears our county does not do this and was unable to provide us the requested documents. The county records clerk provided us with a letter stating this letter was not available, which we also forwarded to the mortgage company. Upon follow up, we were advised that our modification was closed, they would not allow us to talk to loss mitigation, actually refused to transfer to that department. After stating our obvious disagreement, we asked mortgage company to send out a workout package. We called to follow up because we did not receive the packet, and was advised to print it out. A few days later we received a letter stating the sent our file to attorney to commence foreclosure proceedings. This is absolutely unfair. 
In addition our mortgage company did not record our mortgage with the county until approximately 4years after obtaining it. They want to hold us accountable for not being timely submitting a document that does n't exist for us but can not be heldheld accountable for their insufficiencies with the same entity ( county ) I feel we are being bullied and not properly treated. Any assistance will be greatly appreciated. Thank you
Product: Mortgage

I started communicating with XXXX XXXX XXXX XXXX XXXX XXXX XXXXNMLS ID XXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I disclosed to her that I was working with another company as well. She indicated that she was able to match the rates and asked permission to run my credit. However, she has refused to respond to our queries since then. 

My concern is that she should not be stringing customers along when she does want to service their business. Moreover, she should not have run our credit reports either.
Product: Money transfer, virtual currency, or money service

I purchased a floor lamp from a neighbor. He disassembled the lamp and have it to me without instructions or guide to rebuild it. I have contacted him to make this right but he is unwilling to do the right thing.
Product: Vehicle loan or lease

Good afternoon so I bought a XXXX XXXX XXXX  in XXXX. I was doing great but in XXXX I ended up getting a divorce and situations started changing. In XXXX I had to have my transmission rebuilt because it was going out XXXX paid for it as XXXX was still under warranty. In XXXX of XXXXthe car acted up through every code so I took it to the dealer but they said since it was at XXXX miles it was out of the power train warranty. I had paid for an extended warranty but was told to agree to pay XXXX out of pocket if the extended warranty didn't cover the new engine I needed. This is my soul sorce to work ect. When I talked to usaa about XXXX  financial hardships the fact that my ride to work wasn't running they told me to catch the payment up 100 percent or it would be repossessed. At rhis point I had ended up putting an entire engine in it. It's still not working and with usaa not being understanding or helpfull the wrote off the car. Wich has put me at risk of loosing my rank my full time job and I still don't have a running vehicle. Please if you can assist I could use the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  have authorized 37 inquiries to show up on my consumer report without my permission and I tried to report it and they wouldn't help. 
I paid over XXXX to fixed my credit and XXXX make it hard to take any off and according to consumer law anything reporting to my credit without my permission has to come off and they won't follow their own law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the erroneous information from XXXX   reported on my credit report. It was allegedly investigated by Equifax. They stated that it was verified, but they failed to provide me with there METHOD OF VERIFICATION. 

Equifax also failed to mark this item as disputed, as required by the Fair Credit Reporting Act.
Product: Debt collection

Lobel Financial Corp was contacted on XXXX XXXX XXXX  regarding inaccurate information being reported to all credit reporting companies. The amount reported on credit reports : XXXX XXXX {$6400.00} XXXX XXXX {$6500.00} XXXX XXXX {$6600.00} XXXX XXXX NA XXXX XXXX {$6700.00} XX/XX/XXXX, XXXX {$6800.00} The amount they have on file is {$4100.00}. They agreed the the reporting amount was in fact different than the amount they have on file. 

They have continued to report inaccurate account balances. As of XXXX XXXX XXXX and more than XXXX months back. They have changed the account from reporting XXXX charge offs now to XXXX charge off. 
They have sent information/papers to file for " identity theft '' which was not requested. But failed to send documents regarding the discrepancy of account details. They are showing alot of inconsistent information, actions, reporting information, and continue to increase the balance due. 

Due to all of these circumstances I would like to request this account be DELETED in law to the Fair Credit reporting Act.
Product: Mortgage

On XX/XX/XXXX I contacted XXXX XXXX at Atlantic Bay Mortgage Group. I contacted Mr. XXXX because he informed me back in XX/XX/XXXX that I needed to wait 6 months so that I would have 2yrs solid records of being a business owner. At that time, he told me that was the only issue standing in the way of being approved for a mortgage. My credit score is even better now than it was then and everything on my credit report was the same. Including my Chapter XXXX bankruptcy from XXXX. Furthermore, this was a land in lieu application. Mr. XXXX also did a hard pull on my credit without asking my permission. I let it go because I was confident I would obtain a mortgage. On XX/XX/XXXX after asking me to sign various documents this was Mr. XXXX ' XXXX message to me by email : " Sorry this has taken so long but your file was reviewed by a few different people and I was confused on what they wanted. Bottom line is due to the bankruptcy and limited new credit they want 12 months history on your credit card and two non-traditional references before they will approve your loan, so well need to wait until XXXX before well be able to do anything. '' XXXX XXXX was aware of my Chapter XXXX back in XX/XX/XXXX. Since then, I have worked tirelessly to repair my credit. I accomplished getting my score up a full 100 points since then. If the bankruptcy was an issue, then I should've been denied immediately. Moreover, when XXXX XXXX asked me questions, he seemed to already have the answers because of stereotypical assumptions. I even felt the need to ask him if he was discriminating a couple of times. He would never answer me directly and acted like he didn't hear my question. This entire process has left me and my family discouraged and we are afraid that we won't be able to fairly obtain a mortgage in the state of Norh Carolina.
Product: Checking or savings account

Chase, I believe in a discriminatory manor, closed my personal banking account. I was not told why, I was not informed why and when calling in, I am told it is a internal matter and the bank can not inform me why, this of course is illegal pursuant to 15. USC 1602. They have denied me access to my credit by closing my XXXX credit card which was in good standing with no missed payments. Additionally, they have discriminated against me in opening a new account but wont inform me to why. Multiple account managers I spoke to told me they had not seen anything like this before. I was told I could open my non profit account then when I came in to do so, it was shut down again. I can not fathom why the bank would treat a 100 % XXXX XXXX  which such malice. If they do not restore my accounts then they have violated federal code 15 usc 1691. Additionally, they have violated the Fair Credit Act.

I ask for accountability.
Product: Consumer Loan

I leased a brand new vehicle and in XXXX 2016, the vehicle was in a collision deemed a total loss by an adjustor - other party at fault. The at fault party 's Insurance company XXXX XXXX XXXX XXXX indicated they would pay balance in full and complete settlement with Toyota Financial Services. Federated Insurance company paid balance except for {$660.00}. Toyota Financial Services indicated that they were working the settlement out with the insurance company. I never heard back from Toyota regarding the issue and when I called Toyota Financial Services customer service line and input my account information, the prompt indicated " This account is closed '' and that there was no balance. Toyota Financial Services called me on Thursday, XXXX XXXX, 2016 ( 3 months after my last contact with them ) at XXXX XXXX and left a voicemail asking me to return their call and that it was urgent. I called back on XXXX XXXX, 2016 at XXXX XXXX and spoke to a customer service representative who said : " I do n't know why that person called, your account is closed and you do n't owe anything so you can disregard that voicemail. '' I then received a letter stating that I owed the remaining balance on the vehicle. Before receiving this letter, I was never notified that there was an outstanding balance nor was I notified that I had to provide any additional information to Toyota Financial. I called Toyota Financial Services on XXXX/XXXX/2016 at XXXX XXXX and talked to a Total Loss Representative who told me that if I could not provide a copy of an " Evaluation Settlement Breakdown '' and Police Report to Toyota Financial Services by XXXX XXXX, 2016, my account would be charged off to collections. This was the FIRST notification I received from Toyota Financial Services from XXXX to XXXX, and the first notification ever that I needed to provide additional information to Toyota Financial Services, on top of the fact that XXXX of their customer service representatives told me " your account is closed and you do n't owe anything. '' Furthermore, the insurance company representative XXXX XXXX indicated that she told Toyota Financial Services during the settlement that they do not give out copies of Evaluation Settlement Breakdowns, but I was never notified by Toyota Financial Services that there was additional information I needed to provide to them. I feel the treatment from Toyota Financial Services is very unfair, especially the fact that they waited until XXXX XXXX and one week before the charge was passed to collections XXXX to notify me that if I did not provide information that the insurance company was supposed to provide. I also feel deceived because a customer service representative who works with Toyota Financial XXXX 's customer support XXXX earlier indicated that my account was closed and that I did not owe anything, only then to have Toyota Financial Services come back and say I owe {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, these late payments are inaccurate and incorrect!!!!! 

XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX " IN ACCORDIANCE WITH THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES A C0NSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPENEND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX The following inquiries were not and should not be reporting. 

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me. 
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015. 
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015. 
So I need you have to verify with your Billing department 's XXXX about this problem. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband has been having issues trying to work with Transunion to fix his consumer report as it contains incorrect information from XX/XX/2014. 

My husband asked me to review MY OWN personal CONSUMER file with Transunion. After many follow up, I finally received MY report from Transunion and I also see the same error that was in XX/XX/2014 in MY OWN CONSUMER FILE. 

Basically, the housing court case from XX/XX/2014 should have never been entered into the Transunion database for my consumer file because the case had a court stipulation that expunge the housing court cases from the tenant screening company ( including Transunion ). However, Transunion failed to prevent incorrect information of mine to be entered into the database. Also, Transunion does not have a system to screen out incorrect information in its database that is now hurting consumers like myself. 

Transunion also heavily relies on personnel located outside of US who does not have expertise in dealing with the stipulation and how the court case should be expunged.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account # XXXX and Demand for Validation To Whom It May Concern, I am writing to formally dispute the collection account # XXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost, your agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, you have proceeded to place the collection account on my consumer report. This is a clear violation of my rights as a consumer under federal law. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission deprives me of the essential right to contest the validity of the debt before it is reported, thereby undermining the fairness of the debt collection process. Additionally, your actions constitute the use of false, misleading, and deceptive means to collect a debt. This violates my consumer rights and is unacceptable. It is imperative that your agency adheres to ethical and legal standards in all collection activities. Your agency also lacks the authority to furnish any account information to consumer reporting agencies without providing all the required disclosures by law. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ). These statutes mandate specific disclosure requirements to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Given these violations, I demand the following actions be taken immediately : 1. Cease all collection activities related to this account until proper validation information is provided. 2. Remove the disputed collection account from all consumer reporting agencies to which it has been reported. 3. Provide a complete and detailed validation of the alleged debt, including all information required under 12 CFR 1006.34 ( b ) ( 5 ). 4. Ensure compliance with all applicable federal laws in future communications and reporting activities.

Per 15.USC 1692 G you are required by law to 1 ) I would like you to send me a detailed list of the history of the payments made by me on this account ... 2 ) My signature that I put on a contract agreeing to pay this creditor. 3 ) Has there been any insurance claim filed on this debt? 4 ) Proof that you have chain of title to collect on this debt. 5 ) Requesting you to furnish proof that you are licensed and bonded .. 6 ) I am also requesting the purchase agreement between you and the original creditor..

I expect a response within 30 days of receipt of this letter, confirming that the necessary actions have been taken. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a auto loan with Chrysler Capital. I did not make the XXXX payment because I traded the vehicle in at XXXX XXXX in XXXX XXXX. I traded the vehicle over XXXX XXXX weekend on XX/XX/year>. I have documentation showing that I gave XXXX XXXX authorization to assume responsibility of the payoff at the time of purchase for my new vehicle. On XX/XX/year> Chrysler Capital reported my payment 30 days late. I tried to call and explain the situation and they requested I send them paperwork showing I traded it in. I contacted XXXX XXXX and have the documents. I tried calling Chrysler Capital, but after hours on the phone try to speak to a representative, I have not been able to do so. I then tried to handle the issue via chat on while in my account page of Chrysler Capital Online. I was told they can not help in the chat feature after speaking with XXXX. I explained my issue of not getting through to someone and asked if she could please have someone contact me. After asking, I was told " she can not do that '' and she closed the chat. This is an issue that has impacted me significantly. I am in the middle of opening a business and this incorrect late payment being reported to the credit bureaus has dropped my score over XXXX points.
Product: Debt collection

I never attended no XXXX university this is fraud i will be pressing charges
Product: Mortgage

XX/XX/2020 I talked to Bank of America about releasing the {$10000.00} check to me from my homeowners insurance company. They said they would get back with me. They didnt get back with me. About a month later, XX/XX/2020 I talked to them again and they said that they would accept 10 % of the current outstanding payment and recalculate the rest back into the loan and recalculate payment as they would any other time. They would take the 10 % from the {$10000.00} check and release the rest to me. I understand things have been slower with COVID, but Id really like to get this taken care of ASAP and I know that Bank of America would like to start receiving regular payments again.
Product: Credit card or prepaid card

My balance was {$2200.00} and I made payments totaling {$1500.00} prior to my due date of XX/XX/XXXX. The payment amounts and dates are as follows ; XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$15.00} However I was charged interest on a balance of {$1800.00} when I shouldve only be charged interest on a balance of {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CXXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2002 I have an Experian report of a {$6100.00} payment with XXXX XXXX never paid and closed. 

I called the company, XXXX XXXX and they do not have my social security on file with XXXX XXXX. Experian reports I never paid XXXX XXXX and I never owned this card. 

XXXX XXXX XXXX