23daVinci/CFPB_Complaints huggingface dataset:
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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: Vehicle loan or lease

We have tried numerous times to resolve our late payments. I have been paying 1 month behind recieving late fees month over month. Through the website it says do you need assistance then after entering the info it says wait you need to call. Call and jump through hoops and we are denied and no one can say why only the computer says. Early on we had deferments so maybe no more available but if that is the case why suggestion on the payment page and why cant someone just tell me. 

We also do not get statements and they are not available online either. We are nearing the end the account and there is also a random XXXX other fee with no explanation. 

I tried to multiple times to email this inquiry through the website with messages that said cant complete my request.
Product: Debt collection

I received a notice from Resurgent Capital Services/ LVNV Funding LLC that they own an account from XXXX XXXX which has a debt in the amount of {$3900.00}. This account is a result of identity theft and do not belong to me. I have not authorized or did any transactions with XXXX whom your company has obtained this fraudulent debt from nor have I had any transactions with your company Resurgent Capital or LVNV Funding LLC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit reporting

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Transunion, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX and XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX . I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX . Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on Homebridge Financials online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.
Product: Checking or savings account

I am writing to express my disappointment with the experience I had with Chase Bank on XX/XX/XXXX. On that day, an account hold/levy was placed on my checking and savings account in the total amount of {$4700.00}. I spent the morning on the phone with Chase 's legal department/levy department and was told misinformation several times about whether they received the letter from the company who placed the levy, Texas comptroller , on whether it would be reversed or not. 

Despite speaking with the Texas comptroller and having them escalate the issue on their end and fax the document over on XX/XX/XXXX at XXXX, Chase Bank failed to receive it. I waited until Monday to give Chase Bank time to receive it, but when I spoke to XXXX in the levy department on XX/XX/XXXX, she stated they had not received it. 

Texas comptroller emailed the fax confirmation for XX/XX/XXXX along with the documents as XXXX advised I go to a branch and have them fax it in to a completely different fax number which would " escalate the process, '' but two business days would still be the turn around time. I explained to XXXX how the error of them not receiving the fax should not fall on me and if they could backdate or expedite the process as it is their system error or not receiving this. She explained that is not something she could do, to which I asked to speak with a supervisor. 

Despite requesting to speak with a supervisor on XX/XX/XXXX at XXXX, I did not receive a call back. I followed up at XXXX, and XXXX was able to find the document and stated there was nothing else to be done. However, when I asked for her manager 's name, she told me she could not give out personal information such as a last name or a good business email to reach her at. She was rude and unprofessional along with lacking complete empathy. 

After reaching out to other departments, I was informed that Chase Bank 's levy team customer service reps would be the only ones who could assist me. However, after 48 hours wasted on Chase Bank not having proper procedures for their fax machine regarding such important matters, I feel lost as if anything will ever be resolved with them. 

I hope that you take this matter seriously and look into the issues I have raised. I expect better from Chase Bank and its employees, and I hope that something can be done to rectify this situation.
Product: Credit reporting or other personal consumer reports

I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Product: Mortgage

I had applied for XXXX on XX/XX/2022 due to me losing my employment and had reduction in hours. HAF of Michigan had sent over my application and requested my loan information XX/XX/2022 from Caliber Home Loans. HAF have attempted to call and email my mortgage servicing company ; Caliber Home Loans on multiple occasions. These dates include, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, Caliber Home Loans have not returned any emails or calls. I also have attempted to contact Caliber Home Loans on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in which customer service representatives keep implying they never received emails from XXXX. I also attempted to reach out to the main point of contacts for the Michigan HAF program, in which I emailed them on XX/XX/XXXX. The following representatives for XXXX in Michigan with Caliber Home Loans are XXXX XXXX, XXXX XXXX and XXXX XXXX. When I wrote these individuals via email, they have not responded and still have not responded or updated me.
Product: Payday loan, title loan, or personal loan

I received a flyer in the mail with my name on it saying I was approved for loan. My car broke so I went into The Cash Store on XXXX XXXX on Texas. I went in and she said your approved for a {$1000.00}, I had to bring proof if my Social Security. She drew up the tags loan documents, you know as your signing upu don't read it all, I admit thus was my fault, She did say there is an advance of {$340.00} that we will have added to your loan. I left the the money wad deposited on my account. she also took my banking infand debit card information, said tje payments would come out in the 5th. The second mo th they started calling a lot and texting me saying your loan is due are ypu coming in to pay. I thought you were taking it out of my account That's when I started really looking at this thing. So the Cash Store was the loan company but they got a loan from XXXX XXXX which was pn the paperwork, also Cash Store is owned by Cottonwood Financial Okay I did receive disclosures to sign prior to signing the Lao agreement. my son was with me he will attest to this. TGE CashcStore isn't a lender but the advertise loan 's. Cottonwood Financial is a CAB credit services company, and Cash Store I guess is linked as one of Cottonwood Financial Companies, in order to client up front XXXX  's there must be a surety bondvon every location doing business this is where they hammer you They added {$34000.00} to my loan so they fir {$340.00} : upfront fir getting me the loan, thier service agreement is all mixed is so you don't realize it but niwvI am paying Tha APR on there advance money. The they said was 345 % it really was 545 % and they lied about and Cash Store isn't licensed running out if time it say
Product: Debt collection

Received a call from XXXX stating they are sending legal papers to my home over a debt, they called my work also. I called them back and they have a lot of information of mine, they told me I received a payday loan from MAC Development. I have never heard of this company and have never received anything from them. I told them to deliver the legal papers. The debt is {$390.00}. This is not mine. I received multiple calls and again they called my work. How can they try to get me to pay money for something I do not owe. PLEASE HELP!
Product: Checking or savings account

Chime online bank has locked my account for bo reason. They asked for my ID, proof if address and proof of my phone number. I sent that to them 4 times and even called to verify my identity with a human. They still will not unlock my account. I even took a selfie picture holding up my drivers license next to my face and they still are refusing to unlock my account. I've decided to switch banks but need to get into my account for my future deposit coming in from my employer. They are harassing me and giving me the total run around and I need some help with this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice in the mail today regarding my previous complaint being closed, Complaint # XXXX. 

I have a bankruptcy report on my credit report, I've reached out to XXXX regarding this incorrect information. They informed me that LEXISNEXIS is the one that sends them this and I would need to reach out to them regarding thing incorrect information. 

I've reached out on multiple occasions and they have yet to send me any response regarding this matter.
Product: Debt collection

Notice of delinquent fees or fines - threatening to take legal action - dont have record of any outstanding debt other than student loans
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have fraudulent accounts that are not mine. Please remove these accounts as it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681.

Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest.

UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account! 

In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ). 

Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored. 

YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$130.00}
Product: Vehicle loan or lease

To provide some context, my lease with Honda recently came to an end, and I made every effort to return the vehicle promptly. I followed the necessary procedure by notifying Honda through the website of my intention to return the vehicle. However, during a pre-return inspection at a repair shop, a problem with the engine was discovered. It was essential for me to address this issue before returning the vehicle to ensure its proper functioning and uphold the terms of the lease agreement. 
I took immediate action by visiting an authorized Honda dealer to have the engine problem fixed under the warranty. Unfortunately, the dealer initially claimed that the engine issue occurred due to a lack of regular oil changes. I respectfully disagreed with this assessment and provided the dealership with all the necessary receipts as evidence of regular oil changes I had completed. After reviewing the receipts, the dealer acknowledged their mistake and accepted that the engine issue was unrelated to improper maintenance. 

However, due to the need to order a part for the repair, it took longer than anticipated to have the vehicle returned in a fully operational condition. Throughout this period, I encountered challenges with Honda 's online payment system, particularly with the autopay feature and the inability to make payments directly through the website. Every month, I had been making my payments via autopay without any issues. However, after notifying Honda of my intention to return the vehicle, the autopay feature was deactivated, preventing the automatic payment from being processed. 
Additionally, I attempted to make a manual payment through the Honda online portal, but I encountered technical difficulties that prevented me from completing the transaction successfully. I made several attempts to resolve the issue, but unfortunately, the option to make a manual payment online was not functioning properly. 

I would like to reiterate that this late payment was not a result of any negligence or intent to avoid my financial obligations. The circumstances surrounding the engine problem and the technical issues with Honda 's online payment system created unforeseen obstacles that hindered my ability to make a timely payment. It is important to note that I have always prioritized meeting my financial responsibilities and have consistently made on-time payments in the past. 


Additionally, I would like to emphasize that I have documentation to support my claims regarding the delay with the dealership, the oil changes, and the inability to make the payment online. If necessary, I am more than willing to provide any additional documentation or information to support my request. Please feel free to contact me at your earliest convenience at the phone number or email address provided above.
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 that need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Payday loan, title loan, or personal loan

Hello, My name is XXXX XXXX. I started this loan on XX/XX/22 with Greensky. I recently had my payment go up because of my 6 months promotion period ended The company never left a message that I had a past due payment of {$1.00} cents. I originally started autopay on my billpay through my bank from the beginning and have never missed a payment until this time when I was unaware of what was going on. The call I assumed was a scam call due to no voicemail being left. I recently them checked the statement online and noticed I was being charge 2 separate finance charges. 1 for {$68.00} and XXXX monthly. I was told from the very beginning that it would only be XXXX XXXX APR from the company that referred me ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) who said they partnered with greensky for financing for their Fences which i was getting at that time with superior fence. I called and asked about the interest charged and the associate told me theres interest charged on the total remaining balance which was {$8300.00} I did this loan to really just help my finance XXXX XXXX rebuild her credit. I couldve paid off this loan from the start if the loan information was correctly disclosed and when I asked the greensky representative to why I was never informed. They said they dont have to or need to disclose any loan information if I dont ask. What kind of loan company now owned by XXXX XXXX doesnt let their clients know about the loan theyre getting into. They is the worst experience Ive ever had with a credit related transaction and Im amazed how this company preys on consumers with high finance charged and NO transparency. 

I recently just paid this loan off in the lump-sum amount owed to greensky. I will never do business with this company again.