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

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXX bank XXXX XXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over XXXX old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  OH, XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX CT XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled XXXX different ways on there its only XXXX way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since XXXX on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Product: Consumer Loan

This company is scamming off of innocent people who just want to buy a car and improve their credit. First, they do not allow you to choose a car, they give you the one on the lot in the worst condition. for example, I purposely stated that I did not want a XXXX and that is the only XXXX they would let me have. I have since found out that the car is worth only {$200.00} and they charged me {$11000.00} for it with a 34 % interest. Since I bought this XXXX XXXX XXXX a year ago I have had to replace, the starter, the engine, the CAT, the ERG valve, the wheels, the tires, fix the alignment, complete new brakes, the heat and A/C do n't work, etc. The engine light is on even after their " mechanics '' claimed to fix it ... twice. The majority of what is wrong with the car is NOT covered on their horrible warranty. I have put over {$4000.00} worth of repairs into this car. I would like to also add that they have praised me for having perfect credit with them but yet the first time I was 5 days late on a payment the disabled my starter and would n't take even a partial payment to turn it back on, suffice it to add that I was willing to pay the full payment in 6 days but they refused to cut me any slack.They are charging me {$400.00} a month for a piece of garbage. I tried to trade it in 4 times and all said I was " upside down on the car '' which means I owe more than it 's worth. I AM looking into legal action.
Product: Credit reporting or other personal consumer reports

Im writing to dispute and report instances of identity theft on my credit report, which i have identified as violations of my consumer law under 15 us code 1681 c-2, upon reviewing my credit report, i have disocevered unathorized accounts and inquiries that are the result of identity theft. These acounts and inquiried were not intiated or authorized by me and therfore they do not reflect my true financial history or activity. Under the fair credit reporting act section 695b and 15 us code 1681c02 I am entitile to request the removal of any inaccurate or fraudelnt information from my credit report. I am requesting that you remove these accounts and inqurieid withing 4 days from my credit report asap. Enclosed is copies of the relevant section of cxonsumer law and supporting documnet of my identity. Provide updated info as stated by law within 4 days. for the followingXXXX 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: Checking or savings account

Around XX/XX/XXXX iwent to make a purchase and it kept getting declined. I called chime and they said they suspended my account Im guessing because i lost my old phone and l had to borrow a phone to use to use XXXX XXXX with my chime card. After my account was suspended l gave the phone back After i took my info off the phone. So when i called chime they told me that to be able to get access to my account again i would need to have a valid ID or drivers license but the only thing i had at the time was a temporary paper copy you get when you renew yourlicense because I had just renewed it. They said it wasnt acceptable. I disagreed and was very upset because i hadn't done anything wrong. I just had to renew my license and it takes quite a while to get the new one in the mail. My license only just came like a week ago on XX/XX/XXXX and when XXXX XXXX i had to Scan it and take picture of myself. And then finally i had access to my account. The only problem was that all the money in my checking was missing but my savings account was stil there. I'm guessing that they werent able to access My savings account. But i was quite confused because l was told that my account was suspended to protect my account. That Includes my funds. But chime failed to do that. And the whole Time up until about a week ago i didn't have access to my account In any way. Had i had access to my account l would not have let this happen but unfortunately i didnt, So during the time those transactions occurred chime was In control of my account not me XXXX of put a stop to it the first day as im always checking my account for unauthorized purchases. Another thing i was hospitalized for a few weeks during which some of these transactions occurred, I have called the XXXX hospitals i was hospitalized In and it would take some time but i believe i can get those records. It might just take a week or so. l don't think Chime would really need them though as the fact that i didnt have access to my account should be fact enough to return those funds to my account. A dispute was filed and has been denied like XXXX times. I don't get why. And chime has even asked me to send them copies of their own emails to show my account was suspended and the supervisor said it should go through this time but a few hours later I get another rejection email. I don't know what to do with these guys. I'm very upset that because of chime I was forced to be homeless and without funds. It's not right, then to have my money gone when I do regain access to my account is just not acceptable in any way and they need to put that money back.
Product: Credit reporting or other personal consumer reports

I initially disputed two items with XXXX, TransUnion, and XXXX by sending letters on XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX. I have proof of delivery for each dispute. Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus were required to complete their investigations within 30 days by validating the disputed information with XXXX XXXX XXXX XXXX and providing me with copies of any documentation associated with these accounts bearing my signature. However, they failed to investigate within the legally required timeframe. 

To date, I have not received any validation of these fraudulent accounts, and my credit has suffered significantly as a result. When I contacted them to request deletion due to their violation of the law, I was informed that they could neither remove the items nor provide documentation proving that the accounts belong to me. 

Their failure to comply with federal law exposes them to legal liability, as established in XXXX XXXX Trans Union Corp., XXXX. XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX ), where the court held that credit bureaus can be held liable for failing to investigate disputes within the required timeframe. I request immediate removal of these unverified accounts from my credit report and appropriate corrective action to address their non-compliance.
Product: Credit reporting or other personal consumer reports

" Last year, I noticed several accounts on my credit report that simply didn't belong to me. I've gone above and beyond, reaching out to each creditor tied to these suspicious accounts, trying to clear up the confusion between their records and mine. I've also sent numerous letters to XXXX, XXXX XXXX, and Experian, all via certified mail, asking them to correct these errors. But despite the law giving them 30 to 45 days to fix things, they've dropped the ball. It's like they're not even playing by the rules set out in the Fair Credit Reporting Act ( FCRA ). 

Because of their negligence, I'm stuck in a rut. I can't get a loan, buy a house, or even finance a car. It's frustrating to feel like a second-class citizen just because some bureaus can't get their act together. So, I'm left with no choice but to take legal action against each of them. Their failure to follow the law and give me the help I need has put me in a tough spot, and it's time they're held accountable for it. '' Their failure to adhere to the requirements of the FCRA is gross negligence. This treatment has been a horrible experience for me. Pursuant to my rights under the FCRA, I will be filling a lawsuit within this week.
Product: Checking or savings account

I noticed that there had been a payment of {$410.00} withdrawn on XX/XX/year> from my checking account with Navy Federal Credit Union. I called the bank and spoke with a representative who did some research and found that someone was able to access my account virtually, log in to my account via SSN, disable facial recognition to enter my account remotely to go undetected and changed the password. Upon access the perpetrator made XXXX separate attempts to transfer money from my account to their XXXX account. This was not just an unauthorized transaction through XXXX accounts, I wasn't scammed to send money to someone. This person was able to enter my account and transfer to their XXXX account. XXXX attempts were made to transfer funds. Initially {$1000.00} then {$800.00} and then when those didn't work, they were eventually able to transfer {$410.00}. I reported this as fraud and was told an investigation would be done. Less than XXXX hours later I received an email from the bank that the unauthorized use of my debit card was investigated and found no error occurred. I sent a reply to the bank through the online portal explaining that It was not my debit card that was used. Someone being able to access my " secure '' account there were 2 missed opportunities for Navy Federal to question the authenticity of the request, mark it as possible fraud and not authorize the transaction. I received no text, email or phone call to verify if this was an authorized transaction nor did I receive any notification that my username and password were changed. I requested the documentation they used for to make this decision and asked them to re-investigate and stated that if after the second investigation was complete and was still found as not fraudulent that I would like those records as well so that I may contact the Consumer Financial Protection Bureau. I received a reply about a week later and again was told that they found no fraud but was not provided any documentation. At no point was I issued a provisional credit of the {$410.00} while an investigation was taking place.
Product: Credit reporting or other personal consumer reports

law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue This account keeps appearing on my credit affecting my credit score. causing me XXXX and XXXX. 
XXXX XXXX opened date XX/XX/2018 also refleting a late payment.
Product: Student loan

The name of the school was XXXX XXXX when I attended in XXXX, then it changed to XXXX, and then it changed to XXXX. Since then the school has permanently closed. My loan amount I believe was {$7000.00}, however I have made payments throughout the years totaling over {$13000.00}, this is what it says on the AES website, XXXX XXXX. I was also told by AES that I also made payments to the XXXX XXXX XXXX however I am not sure of the amount. I have tried to get this loan XXXX through XXXX and the status came back as application denied on XX/XX/XXXX.
Product: Mortgage

I applied for a short sale of my home and was notified that I was placed into review for homesaving options. I assumed that this was a requirement of the Investor of my loan, however I have now been advised that it is not. On   XXXX   XXXX   I was advised that my file had been denied for loan modification options - though I did not apply for a loan mod, then was advised my file would be placed into short sale review as I originally requested. On   XXXX   XXXX   I submitted the required short sale documents and was then advised that a property valuation would be ordered. My listing agent and his negotiator have been notified that a valuation needs to be completed and an appointment has been set, however the sale date is still active for  X/XX/17   . My single point of contact states that the sale date is not showing, however the foreclosure attorney states that there was no hold placed on my file by their client. How is this possible? Why would an active sale date be set for a property in review for short sale? Why was my home reviewed for a modification instead of the short sale I requested? I am attaching my original application I submitted and the short sale acceptance letter I received from Bayview Servicing. According to CFPB guidelines : Restricted Dual Tracking : Under the CFPB 's new rules, dual tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers must not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. This will give borrowers reasonable time to submit modification applications ; Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Why would this continue if I was actively being reviewed for a loss mit option? Why was I told that my loss  mit review wo uld continue after being denied for a loan modification I knew I was not going to be approved for in the first place? Why was I not placed into short sale review as requested per my Loss Mitigation application? I would like to be allowed to be reviewed for Short Sale as originally requested on  XXXX  via my completed loss mitigation application.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$830.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00}
Product: Money transfer, virtual currency, or money service

Td bank were my accounts are XXXX was used to send XXXX payments to a scam for a puppy. The person was on XXXX and started to try to extort money said itvwould be refunded. A fbi complaint was filed, the messages were given to the Bank along with several other documents proving the scam and the demand for money. In all XXXX payments were sent XXXX and XXXX. My husband is a double amputee vet on XXXX I'm on XXXX with XXXX XXXX. The bank denied the complaint. Even with the messages from the person stating he would refund.
Product: Debt collection

On XX/XX/year>, I formally requested verification of the alleged debt, specifically asking for proof that I am the party legally obligated to pay this debt. Additionally, I requested documentation of a valid contract binding me to this alleged obligation. 

To date, I have not received a response or the requested documentation. As a consumer, I have the right to dispute debts and request verification under the Fair Debt Collection Practices Act ( FDCPA ). The lack of a response leaves this matter unresolved. 

Thank you for your time and support in ensuring this matter is handled appropriately.
Product: Credit reporting or other personal consumer reports

My wife and I have a mortgage with XXXX XXXX. We've never paid late. My WIFE filed for XXXX  XXXX bankruptcy in XXXX. I personally did not file bankruptcy. When my WIFE 'S bankruptcy was approved, XXXX XXXX  removed the mortgage account from MY credit file. This caused MY credit score to drop over 100 points. All MY credit cards cut my lines of credit so now it looks like my cards are maxed out. Some of my lines got closed out when they periodically check your credit and saw my credit score drop. 

I contacted XXXX XXXX  when I saw the mortgage account removed from my credit file. They transferred me to their bankruptcy department. I was told that this is their policy when someone on a mortgage file for bankruptcy. This CAN NOT be an acceptable practice. I've never been late on my mortgage, and I want it added back on my credit file. 

Mortgage Account Number : XXXX Name on Account : XXXX XXXX | XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX You are still reporting this trade line. You have mentioned on the current trade line with Experian that the date of last payment was made XX/XX/2014, therefore, not XXXX other payment was made according to this report. Furthermore, the date of first delinquency would be 30 days later or XX/XX/2014. If this is the case, this account is now 7 years past the date of first delinquency as therefore by law it must be deleted immediately. 

If I am seeing something different from you, please provide the date of first delinquency and why you have come up with this date. 

In addition, you are also reporting the date of last activity being 14 months after the last payment was made! I am not sure you know what is reporting at this time, I also debate you have accurate records, otherwise this account would be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX ON THESE DATES I RECEIVED INQUIRIES ON MY ACCOUNT THAT I DID NOT AUTHORIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time in recent history that a potential Lender has been unable to hard pull my Equifax credit file. Equifax says absolutely nothing wrong on their end, but XXXX, XXXX XXXX and XXXX all get the same " no data available '' response from Equifax. My most recent response to the same complaint resulted in Equifax sending me a paper copy of my report. This is not what I asked for!!! I WANT LENDERS TO HAVE ACCESS TO MY EQUIFAX CREDIT FILE!
Product: Debt collection

RGS Financial/ XXXX XXXX is reporting that I owe {$560.00} for a cable bill. I have no knowledge of this account nor do I know who opened this account. I have attempted to communicate with the collection agency and they are not compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] RGS Financial has failed to provide a copy of any alleged contract or other instrument bearing my  signature will result in a small claims action against your company. Legally I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I have only received a copy of a computer  print out that reflects an account and XXXX XXXX 's database. 

Thank you for your assistance.
Product: Consumer Loan

I signed an agreement with westcreek financial however i do not understand how they can charge me 80 % of my original price ( XXXX ) even if i still owe them {$1.00}. They said they would tack that money on after my 90 days interest free period. That would make my interest rate 80 %. That has to be illegal or loan sharking, right? No one told me any of that at the XXXX when i purchased my furniture. They just said it would be a high interest rate so i assumed 20 or 30 % of whatever was remaining not adding XXXX dollars on the balance.
Product: Debt collection

I called into this medical debt collector to pay a medical debt for my wife 's credit which we did n't know it was n't paid for & paid it in full. They start telling me that I ( the husband ) had XXXX accounts that was n't paid started demanding that I pay all these accounts with no info of account # 's nor having said the option to see or dispute the debts that was in?. I had no info nor this was n't on my credit report of any of these debts. After having an 1 hour phone call dictating & me trying to get info on these account, they refuse to provide & they went & put this back on the all XXXX credit bureau 's after I had an attorney look over this & they removed these because they were in?.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian should not be reporting a collection/chargeoff in addition to being ( 120 ) days late on the CHILD SUPPORT ENFORCEM partial account number XXXX. ( Please see pages attached from my credit report. ) This account is not in chargeoff status nor is it ( 120 ) days late. XXXX  is reporting correctly. I have attached a copy of the Investigation Results from the Florida Dept of Revenue for reference. Please update the information on XXXX  and Experian. It is a violation of the Fair Credit Reporting Act to not report correct information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.