23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed a negative account on my report to XXXXXXXX XXXX and trans union all three saying they investigated and have no proof to show. Just saying the information is accurate but now saying how the investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Capital One sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX Bank stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the XXXX Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by XXXX XXXX that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover XXXX Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.
Product: Vehicle loan or lease

ON XX/XX/2019 I PURCHASED A XXXX XXXX FROM XXXX DEALERSHIP AND WAS FINANCED BY CHASE, THE DEALERSHIP FAILED TO PAY SALES TAX AND ADDED A GAP AND SERVICE COTRACT ON TOP OF THAT. CHASE LOAN NO.XXXX. SEE AD FROM THEM WE PAY SALES TAXES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 a sales agent contacted me to upgrade my current leased vehicle and apply for a vehicle that had come in. I advised that I didn't get off of work until XXXX and asked if the vehicle would be there or should I fill out an application. His response was to fill out the application, so I was understanding by doing so, if approved the vehicle would be there. When I contacted him after I got off work, he told me the vehicle had sold. I asked him if he had ran my credit for no reason and recieved no response. I ended up talking to the General manager who said he would have the inquiry removed from XXXX but it still is showing.
Product: Bank account or service

In late XXXX, I opened a checking account using a promotion offering me {$400.00} if I opened an account and received XXXX deposits of {$250.00} of more within 60 days of account opening. I received XXXX deposits from my employer throughout XXXX but never received the {$400.00} that were promised. After contacting customer service, I was told repeatedly that I did not qualify for this offer because it was invite-only and I was not on their list, even though the offer page clearly showed my name.
Product: Student loan

I submitted an employer certification form ( ECF ) for public service loan forgiveness ( PSLF ) in XXXX of XXXX for my employment dated XXXX XXXX XXXX. I also submitted IRS tax forms confirming the organization 's status as a 501c3 because Federal Student Aid ( FSA ) 's tool showed it as an ineligible employer. I called Mohela for an update regarding this certification on XX/XX/XXXX and I was told that it was under review by the XXXX and MOHELA couldn't provide an update until XXXX had completed their review. I immediately reached out to XXXX to request an update and XXXX stated that XXXX has outsourced that to Mohela. I reached back out to Mohela ( XXXX  ) and shared the information I was given. At that time the representative stated that Mohela is the company that is reviewing these forms, but is unable to provide an update until the review is completed. It has been under review since XXXX of XXXX. It's been six months of hearing " you'll get an update in 60 days, '' " 90 more days, '' " 90 days '' and now they simply refuse to provide an update and even lied to avoid assisting me. With all of these delays, I've now been in public service for 10 years and six months.
Product: Checking or savings account

On XX/XX/2021, I went to the Mechanics bank in XXXX, California ; located at XXXX XXXX XXXX. I was going to open a savings account, however, I did not open an account, because the employee tried to persuade me to open it and maintain it online and to receive e-statements, instead of paper statements. I was told that there would be a monthly fee per month in order to receive paper statements and that the fee would be automatically deducted from my account. Therefore, I never opened an account. The reason Im writing is because I read that banks are NOT supposed to charge a fee to receive paper statements and that the law states its illegal to charge a customer a fee to receive paper statements. I told the employee this fact, but the employee did not care to waive anything. I left the bank without opening an account, but I have been to other banks also and they too try to charge monthly fees for paper statements.
Product: Debt collection

I am being harassed for {$740.00} that was paid to the original creditor but this company keep harassing me. They are using different names same address but different suit numbers.MIDLAND CREDIT MANAGEMENT, INC AND MIDLAND FUNDING LLC SAME COMPANY OF CROOKS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Experian credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> Creditor/ Company name : XXXX I did not authorize Onemain XXXX any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Experian and XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response
Product: Checking or savings account

I have applied for XXXX due to recent lost of work hours, but I have never received my XXXX debit card from Bank of America ( BoA ). I have tried to reorder the card three times. None of the card ever arrive at my address. 

Due to this BoA, put a lock on my card, preventing me from reordering another card. I have tried to reach their Customer Protection service, but noone will pick up. I am currently have no way to access my fund.
Product: Consumer Loan

I contacted Titlemax of Texas d/b/a Titlemax to obtain an auto title loan on my XX/XX/XXXX chevrolet silverado XXXX L/S pickup for the sole purpose of paying off a title loan from another auto title loan business and used to proceeds of that loan to pay off existing financial obligations. The representative at Titlemax approved me for more than I needed telling me that the interest rate and monthly finance payment to refinance the loan were cheaper. So I proceeded to take out the loan, unknown to me at the time I had to pay the entire loan back within the next 30 days or pay the refinance fee plus daily interest and late fees if the payment was made within 10 days past due. ( FALSE ) Titlemax started charging me daily interest on the interest the loan accrued after the payment due date, resulting in a higher payment to refinance the loan. I asked Titlemax if I could pay the loan back in installments to pay the loan off, they refused. I asked Titlemax if they accepted partial payments on the loan again they refused. I asked Titlemax what were my options, they stated pay the refinance fee plus the daily interest and late fees on the loan or pay the entire balance of the loan plus daily interest and late fees or have another title loan business pay the loan off or surrender my vehicle .Titlemax of Texas is charging me interest upon interest on a loan they know I ca n't pay back in 30 days due to the fact I am XXXX and on social security. This action is in violation of the TEXAS USERY LAW. Neverless to seek a resolution to this situation I unwillingly surrendered my pickup to Titlemax of Texas to relieve the burden of the phone calls requesting payment of the loan. When I surrendered my pickup to Titlemax they requested me to sign an agreement with them allowing them to dispose of my pickup without notiftying me of the date and time of the sale. I now have 14 days from XX/XX/XXXX to pay the loan balance plus daily interest, plus late fees plus the refinance fee and daily interest or they will proceed to dispose of my pickup without notifying me of the date and time of sale. PLEASE HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

The address, birth date and employer name on my equifax credit report seems wrong. I am in the process of changing my apartment and when they tried to pull up my information from equifax, it showed the wrong birthdate, address and employment information.
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. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about 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 to an alleged fraud or extortion.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Notice Regarding Unauthorized Credit Reporting XXXX XXXX and North Carolina FCRA Identity Theft Fraud Laws Dear DYNAMIC LEGAL RECOVERY, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, a clear violation of both federal and North Carolina laws, including the Fair Credit Reporting Act ( FCRA ) and identity theft fraud statutes. 

It has come to my attention that DYNAMIC LEGAL RECOVERY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, contravening the FCRA 's Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as North Carolina laws governing identity theft and credit reporting. 

Under federal law, as outlined in the FCRA, consumer consent is a fundamental requirement for such reporting activities, as stipulated in Section 1681b ( a ) ( 2 ). Similarly, North Carolina laws, particularly those pertaining to identity theft and credit reporting, underscore the necessity of obtaining explicit consent before reporting consumer information. 

I want to make it unequivocally clear that I have not provided consent for DYNAMIC LEGAL RECOVERY to report any information to my credit report. This blatant disregard for my rights constitutes a serious violation of federal and state laws, potentially causing harm to my creditworthiness. 

I demand that DYNAMIC LEGAL RECOVERY immediately cease any further reporting of information to my credit report without my explicit consent, as mandated by the FCRA and North Carolina laws governing credit reporting and identity theft fraud. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable federal and state statutes. 

I emphasize that obtaining consent is not optional but a legal obligation under the FCRA and North Carolina laws. This is not negotiable ; it is a demand for compliance with the law, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect DYNAMIC LEGAL RECOVERY to promptly rectify these violations, demonstrating respect for my rights under federal and North Carolina laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   foreclosed on my home in  2011. I was p art of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX , Transunion, and  XXXX  -- disputing that  XXXX  could not validate my account.  XXXX  removed the foreclosure from my credit report. Transunion and   XXXX   have not.   Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not updating since XXXX 2023, just trying to get them to update my balance/ credit limit. 

XXXX sent new cycle and information to TransUnion but still no update.
Product: Credit card

Information, and the importance of that information in order for the consumer to make informed proper decisions with the respect to using credit or choosing not to use credit. Is paramount in relation to the ramifications that a decision made out of being unaware when there was no formally Visceral inherent way of knowledge no know how of a change that was made without there knowing. It is with respect of this institution that I say this in a sense of frustration. To make a change without making the consumer fully and evidently aware is a UDAAP Violation. So in order to attempt perhaps make sense of this further, and hopefully come to some reasonable resolve I am filing this referral in relation to the credit decisions that was allegedly made on my United airlines chase credit card account. Originally my credit limit was XXXX dollars This limit was lowered without my knowledge. The ramifications of this effected not only myself but the person I attend to because I have an individual living with me that I support that XXXX XXXX XXXX XXXX years ago and I there only source in this country to help. This not only will possibly effect the reputation of chase but could effect much more. Out of the natural assumptions that this limit would be at XXXX because of falling slightly behind due to a family members illness and having to take of work for a few weeks I had the credit card set up for paying towards my auto insurance. Which covers not only myself but the person that I care for that lives with me and there car. While I will be able to pay for the auto insurance this change in limit that was not properly disclosed effects everything else because it increases the usage limits and then suddenly changes my whole budget aspect when I already must deal with the ramifications of recovering from the pandemic still because of the added stresses of having to attend to another that lost their job. On top of this all the fact that work for a bank and I am in the position that reports these type of regulatory violation to the executive office is surprising albeit beneficial int eh same respects as I see first hand the frustrations of not being evidently aware and how those lack of Knowledge to the unaware persons effects them. My aim is to resolve this process by hopefully bringing my limit back to the original agreed upon amount of XXXX dollars. With respects I will say that I have the outmost respect for chase they are a stellar bank. However when something like this happens they should call directly leave a voicemail at least let it be known so that someone like me wont make a choice that will cause an issue.
Product: Mortgage

Mortgage Company continues to make false claims. They are charging me illegally for an Escrow and refuse to credit the refunded funds from the Insurance Company plus additional funds sent to them in error totally the cost of the insurance plus my deposit money to the insurance company refunded to them in error. They refuse to apply my payments to my mortgage and continue to charge me late fees and put my monthly payments into suspension. They also charged me {$500.00} twice the year before for an unknown reason for who knows what. While they claim I owe them {$3400.00} they actually owe me over {$1600.00} plus the interest on the loan from their misapplying my payments.

My complaint to the XXXX XXXX XXXX yelled no results. Freedom Mortage just made the fake claims that I was late on my Mortgage.

The Counseling support from a Hud Housing Counselor also yielded no results because Freedom Mortage Continues to Stonewall and make Paper trails of Late payments and Phone calls where they refuse to remedy the issue.
Product: Debt collection

XX/XX/2023 Transworld Systems Inc. 
XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, PA XXXX Re : Account # XXXX To Whom It May Concern : I am writing in response to your XX/XX/2023 debt validation letter regarding account # XXXX that you claim I owe to XXXX XXXX XXXX XXXX XXXXXXXX. 

I continue to dispute this debt because I do not recognize this account and have never had an account or service with XXXX XXXX XXXX XXXX XXXXXXXX at any of the addresses listed. None of the information you provided verifies that I am responsible for this debt. The name, address, and account number you referenced are not mine. 

As I stated in my original dispute, I have never lived at any of the addresses you have associated with this supposed debt. The service address you listed in XXXX, FL is not an address I have ever resided at. 

Since I have no knowledge of this account or debt, and you have failed to provide any verification that I am legally obligated to pay, I request that you cease all collection efforts against me regarding this account. I expect you to inform the credit bureaus that this account is disputed and make the proper corrections to my credit report. 

Please validate this debt with concrete evidence like an original signed contract or statements in my name, and proof that I am the actual debtor you are seeking before contacting me again regarding this account.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo auto, I disputed late payments no reason
Product: Debt collection

Around XX/XX/XXXX, I moved into a home with my mother to help her out. I moved to XXXX around the beginning of XX/XX/XXXX due to her Irresponsibility and her erratic and dangerous. I couldnt handle the workload myself so I left. I just received a letter in the mail saying that I owe around {$2600.00} to XXXX XXXX. I reached out to the debt collection company and explain the situation and I was told that the account with XXXX was made under my name. This was done without my knowledge, especially since everything was supposed to be under her name. When I called XXXX, They explain to me that the account was made under my name in XX/XX/XXXX. XXXX directed me to start this fraud claim in order to resolve the debt.