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

On XX/XX/year> I mailed out a dispute to this credit bureau because they have multiple accounts listed on my credit report as collections when they have been PAID IN FULL. I requested that they validate these accounts and update them to CLOSED/PAID IN FULL or delete them from my credit report. I specifically asked for a copy of the contract bearing my signature for the accounts in dispute and a complete account reconciliation regarding each account that they are reporting inaccurately. Not only did they fail to provide me with this information, they failed to investigate entirely. It was a complete disregard for my rights under the fair credit reporting act. This bureau didn't move forward with my dispute in anyway and this is seriously hurting my ability to obtain credit, purchase a home and so much more.
Product: Checking or savings account

A couple months ago, I transferred 75 % of my net worth to XXXX to take advantage of high interest cash savings and 1 % bonus for bringing equities over from XXXX. 

More than XXXX of my account is in CASH. I do not day-trade, I am a buy and hold investor. Part of my strategy is dollar cost averaging XXXX and withdrawing to self custody. 

On XX/XX/XXXX, I purchased XXXX and began a transfer. The amount was less than the daily withdrawal limit, of which I am very much aware. 

At the time of this incident, I had approximately XXXX in available cash, around XXXX in stock and just shy of {$5000.00} in XXXX 

Now my entire account is restricted. I am unable to withdraw my cash, which I need to be able to access as emergency funds. 

All of my information has been verified. DOB, photo ID, SSN, etc. All of my money is the result of hard work and I have Tax Returns and Bank Account Statements to PROVE IT. 

This is theft, plain and simple. Its an unethical game that they are playing to reduce a clients liquidity and prevent them from withdrawing from their platform. It should be Illegal to hold money hostage without any sort of due process.
Product: Credit reporting or other personal consumer reports

I have tried to handle these unauthorized inquiries with Transunion over the past XXXX  of weeks, but I did not receive any help from them. There are XXXX inquiries on my report that I did not authorize. I contacted XXXX XXXX and they sent me a form to fill out, XXXX XXXX XXXX says there is no application with my name on it. I have filed and FTC report for Identity theft and I need these inquiries removed XXXX XXXX XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft. I will list the fraudulent accounts along with the account numbers, XXXX XXXX  opened on XXXX account number XXXX, XXXX opened on XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX opened on XXXX account number XXXXXXXX XXXX XXXX XXXX on XXXX account number XXXX. These accounts have resulted in several fraudulent inquiries and fraudulent collections and charged off accounts on my consumer credit report. I demand that the aforementioned fraudulent items be removed and blocked from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called FedLoan servicing on XXXX XXXX, 2016 requesting documentation to show exactly how much I owed on my student loans because my original creditor refused to proved me with original documentation regarding my loans. My mother and I signed the PARENT PLUS XXXX contract and filled it out in the financial aid office at XXXX XXXX XXXX. I have yet to receive any original documentation regarding my loans. I called back today, XXXX XXXX, 2016, and they are saying it will yet another 7-10 business days before I receive any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Chase Bank has stalled for 5 years on a modification. It has added enourmous amounts of fees to my account. If in 2010 they would not of sent me a letter telling me to be 90 day late on my mortgage, I would not be in this position today.It has been 5 years of XXXX. Speaking with someone different every time you call, to no answer for weeks at a time. In California we are to have XXXX point of contact and there has been XXXX in the last 10 months. My loan was origiated with Washington Mutual and they have yet to prove how and when they aquired the loan. Now after 5 years they tell me XXXX XXXX owens my loan not them. They have encased over {$150000.00} in extra fees on my accout because of their incompetence. When we whent to refinance in 2010 from an ARM to a fixed they continued to turn us down, even though we had perfect credit, saving in the bank and permenant jobs. This bank has stalled and stalled this process way to long. We did not over extend our finances. Now they have us over extended and in a hard place.Title on our home is so clouded no agent want to touch the process if we wanted to sell. This bank is evil. They play games for months on end putting peoples lives in turmoil, I am beginning to think they like to do this so people will just give up.
Product: Credit reporting or other personal consumer reports

I got a notice about an inquiry that was made on my TransUnion account that I did not authorize. I would like it removed There was a hard inquiry done for XXXX on XX/XX/year> that was not done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OBTAINED A COPY OF MY REPORT AND IT CONTAINED MULTIPLE BANKRUPTCY FILINGS THAT ARE NOT MINE. I FILED A DISPUTE AND THE CASES REMAINED AS VERIFIED. I WAS INFORMED THAT THE CASES WERE VERIFIED WITH XXXX XXXX. THE REGULATIONS REQUIRE THAT THE REPORTING AGENCY VEIRFY THE INFORMATION DIRECTLY WITH THE COURTS AND NOT A THIRD PARTY FURNISHER OF INFORMATION. THEY HAVE FAILED TO VERIFY THE INFORMATION IN ACCORDANCE WITH THE REGULATION.
Product: Debt collection

PMAB recently put over 25 collections on my credit report. I have no idea who they are and I never received a notice from them. They just put it on my credit. 
I called them and demanded them to show me what they were for and the refused. They claim it is old medical bills from XXXX & XXXX but they said they do not have to give me the info. 
For one the NC statute on debt is 3 years, so if they are mine then they are past the statute of limitations. But I have insurance and always have so they can not be mine. 
Are n't they required to send me proof? how can a company just put so many items on my credit just because?? I have contacted my attorney as well. This is a clear Violation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept of Ed/XXXX  accounts XXXX XXXX
Product: Credit card

At the beginning of XX/XX/XXXX, I received notification from XXXX about an account that was added to my credit report as 60 days late. Upon speaking with XXXX, I was informed that JPMCB was reporting me XXXX months late for an account ending in XXXX with a balance of {$7400.00}. I immediately contacted Chase to find out more information about the account and was told : XXXX ) The account was opened in XX/XX/XXXX XXXX ) The account was closed by Chase for suspected fraud 3 ) There were no attempts to communicate about the account since XX/XX/XXXX. 4 ) A fraud packet would be sent to me to sign and send back. I advised Chase that a former employee was responsible for opening the account without my knowledge and that the former employee was currently incarcerated. I also advised Chase that I was willing to pay for the balance owed, however the account was not utilized by me. I also informed the credit bureaus that the account was a fraudulent account and requested a dispute process to begin. XXXX almost immediately removed the account from my credit report, however on XX/XX/XXXX it was placed back on my credit file as verified. I contacted Chase again on XX/XX/XXXX to find out the status of the case as I have not received any documentation from Chase as promised. A representative from Chase let me know that Chase determined the account as valid because there were payments made on the account from an account that was in my name and from a business account that I am the manager on. I advised the representative that there were multiple payments made from accounts at Chase that were in my name and multiple disputes were filed with Chase regarding other credit accounts where payments were made without my consent or knowledge. Chase representative informed me that I did not send the requested documentation in to substantiate the case and as a result, they determined the account to be valid. However, I contacted XXXX again and it was told to me that Chase did receive the documentation as the bureaus sent it directly to them with the fraud dispute. Chase received the FTC Affidavit and ignored it, told the bureaus that the account was valid and misrepresented the facts about having the documents, to me. Their justification for verifying the account was based on them not receiving documentaiton however the credit bureaus sent the documents to them directly so they had them the entire time. I then spoke to another representative at Chase who allowed me to make payment on the account to keep the account from reporting more late payments on my credit report, however I am not liable for the account.
Product: Debt collection

on   XXXX   XXXX   XXXX   SW credit system deleted the account i had disputed and on    XXXX   XXXX   XXXX   the same account was reinsert ed on my credit report without me being notified by mail and that is against the FCRA  611 ( a ) ( 5 ) ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT XXXX CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXX AUTO XXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF LA XXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " XXXX '' COSTING ME THOUSANDS OF DOLLARS IN XXXX MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE XXXX DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE XXXX DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE XXXX BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE XXXX BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE XXXX BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE XXXX LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are inaccurate and incorrect account reports on my XXXX credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 

2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. 

3. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 

5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 

6. XXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 

7. XXXX account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with XXXX that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. 

Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. 

XXXX XXXX email : XXXX XXXX
Product: Debt collection

LVNV has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. 
XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. 
Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. 
Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Product: Consumer Loan

I have sent a few messages via the secure message system on the TD Auto Finance website. I 've been paying more that minimum payment of {$200.00} since the loan commenced on XX/XX/XXXX. The TD Auto Finance website shows since I am ahead that a payment is not due until XX/XX/XXXX. However, it is showing a minimum of {$210.00}. XXXX customer representatives claimed it had to do with simple interest and that since the payments were not received at the same date, there is a fluctuation of how the interest would be applied. This makes no sense since in the absence of late fees or an outstanding balance, the default payment of {$200.00} would be applicable. I feel that because I am ahead of the contract that they are trying to get more money out of me.
Product: Mortgage

We opened escrow on our house on XX/XX/XXXX, 8 days in and Guild has not ordered an appraisal. 2 days ago we asked them to transfer our file to another lender who was giving us a way better interest rate and no junk fees. Still by end of business today they have not ordered an appraisal and/or transferred our file so our new lender can order the appraisal. They have wasted over half of our 17 day contingency window.
Product: Credit reporting or other personal consumer reports

During the beginning of the year in XXXX, my previous employer underwent some financial hardship which directly affected our household income. We tried to manage for sometime before we got into a place where we could no longer manage. Our bills were starting to back up and we did not want our mortgage to default. They reassured us that it would not but it was their policy is that we had to default on our mortgage in order to be eligible for any assistance. 

So in XXXX of XXXX we reached out to XXXX XXXX  to see what our options were such as a loan modification. They said the could help us by putting us on a forbearance for 3 months to reduce our mortgage payment while we try to get ahead and look for another job. During our call they said we would have to default on our mortgage in order to be eligible for any assistance. This was a little scary because we did not want to foreclose on our property. They just didn't know what that looked like but when we defaulted and applied for the application for success they would have a better idea what we would be eligible for. So we did default on our mortgage from the direction of XXXX XXXX. Then on XX/XX/XXXX we were approved for the application for success to be put on a forbearance for 3 months at a monthly payment of {$1000.00}. Our regular mortgage is {$2000.00}. We completed the 3 month trial period as per the direction of XXXX XXXX. Our 3 months were up and we still needed some more time to get in a better place. So they approved us for another 3 month forbearance at {$820.00}. We completed the XXXXXXXX XXXX  month forbearance trial as per XXXX XXXX  guidelines. They stated that as long as we complete the trial within their guidelines, we would be eligible for a loan modification to bring the mortgage current. So both trials were completed successfully. Once the XXXX trial was completed, XXXX XXXX  stated we were approved for a loan modification to bring our mortgage current. There was no payment reductions but they were able to bring the forbearance difference and put it on the back end of the mortgage by simply doing a loan modification. On XX/XX/XXXX the loan modification was approved. 

XXXX XXXX stated when the mortgage becomes current from the loan modification, our credit report would not show late in any way. It would roll off like nothing every happened just as long as we stick to the guidelines of the forbearance and loan modification. As of today XX/XX/XXXX it still shows on our credit report preventing us from being approved for any loans and student aid for our children. 

I contacted XXXX XXXX  again on XX/XX/XXXX and they said there was nothing they could do for us.
Product: Payday loan, title loan, or personal loan

I don't have dates but I have called the loan mart company many times to inform them that this is not loan someone used my information to set up this account. I told the manager and I also know who did it after they told me that I had a co signer which I didn't know anything about. They told me they will have the another manger call me back to investigate but that was about 3 months. Someone was paying on the loan and I was telling the customer service agent that I never opened up this account even when it was in good standing with the credit bureau.. I saw envelope of loan mart coming to my house but I thought they were getting me to sign up for them. I never opened them until I looked at my credit report.
Product: Bank account or service

I signed up for a Citigold bank account with the promotion code XXXX. The signup bonus ( XXXX ThankYou points ) was to be provided within 3 months of meeting bonus terms and conditions. After the XXXX month period, and after completing the bonus terms, Citi rescinded the offer. I am now stuck with {$90.00} in monthly fees. Citi needs to follow through on the agreement we initially agreed to.
Product: Mortgage

There is a VA originated mortgage on my property. 
The property was conveyed to me XXXX XXXX XXXX. 
I don't own the mortgage. 
How do I find out who does?