23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX states I have a debt of {$410.00} from AFNI. The Creditors Contact Details : AFNI XXXX, IL XXXX. I called the telephone they provided at XXXX. I spoke to a person by the name of XXXX. She checked for the debt via Name and/or Social Security and could n't locate the debt. Can you help me resolve this issues. Thank you for your time.
Product: Debt collection

This collection agency company is reporting a debt owed of {$180.00} on my credit report however I don't owe this debt. I sent a letter over 45 days ago requesting validation but the company did not respond and is still reporting the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or authorize
Product: Vehicle loan or lease

The car was totaled in a car accident. XXXX XXXX paid over {$9600.00} I haze gap insurance that should pay the rest. 

Howver Exeter finance is showing my amount being delinquent on my credit report. Amount should be marked as closed paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX gave totally wrong payment history, credit rate, etc. It's like they were reporting a totally different person using my name. 
I've never had late or missed payments on anything in my 74 years! 
My credit has been perfect. But to see what they reported to an auto insurance ( XXXX ) company was down right slanderous! I wasn't looking for an ins company but somehow my info, address, etc was given to them and they sent the ( rejection ) report to me and I just received it today to find out that my once excellent credit is in the dumpster because of the lies reported on me and my payment history - not one thing on it was true! 
It's like that fraudulent thing they have on the net about " type in a name and get info '' - you'd not believe how many people they have as me on there and not one even comes close to me except my location & age on two of them. Don't know where these people get this stuff from but they are ruining lives!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I XXXX transferred XXXX dollars to my husbands XXXX  account from my Chase account in which he never received. I have transferred this amount of money to him every month for the past two years and never had an issue until now. 
We called XXXX bank and they told us the money never reached their banking system. 
When I called Chase to find the money- they opened a claim for me and told me that the money had been transferred and sent to a random chase account ( XXXX ) that was not my husband- but somehow was occupying my husbands email. When I asked if I could verify that this other person didn't have access to this email ( XXXX XXXX I was denied this. 
Regardless, The claim went through and the money was put back into my account. But not a short while later chase reversed the claim and withdrew the money again, stating that the money was sent to the correct account in the first place- when they clearly saw that it was not and they previously confirmed that they could see from previous transactions that it was not the correct account. 
At this point they closed my claim and refused to help any further. They told me it was a matter I was to take up with XXXX. However upon calling XXXX to discuss this issue : the system automates a response about how if your issue is with an online money transfer through your banking app, you must take the matter up with your Bank- and hangs up. At this point this is my last saving grace. I am not being helped on any front and XXXX dollars was stolen from my Chase account through XXXX. I do not know what else to do, so I am filing this formal complaint. 
I have provided attachments of bank statements and transactions from my Chase account to my husbands XXXX  account up until XX/XX/XXXX XXXX when the XXXX dollars I had sent was transferred to account random account # XXXX. 
I have also attached the claim notices I received from Chase banking. They are in XXXX form, if need be, I can resend through another medium.
Product: Vehicle loan or lease

They illegally put my auto car loan in my son name with my signature because he was in the XXXX he made XXXX XXXX XXXX in payments which we have copy of when I first got the car my payment was XXXX in XXXX  it was XXXX change with my signature they also put this on my son credit his name is XXXX XXXX he was not on the loan account he cant get anything because they added this to his credit ask them for a copy because he over paid this XXXX XXXX XXXX
Product: Student loan

I requested a refund for payments made during the pandemic in XX/XX/2022 from my servicer ( Fedloan ). The company accepted the request via phone and said that it should be completed within 60-120 days. A few weeks before the 120 day mark, I called again to confirm the request had been received and request a status update. The representative said the request was in the system and that XX/XX/XXXX would mark the end of the waiting period and if I didnt hear anything by then, to call back. 

On XX/XX/XXXX, still without any refund or update, I called again only for the automated system to tell me that my account had been transferred to XXXX. Now, the company has failed to provide the refund as per federal policy, has not provided me with any written confirmation or update on my request, transferred me to another company without notifying me, and has not provided information about how my request is being handled in the midst of the transfer - and Im at a loss of what to do, given that both companies are giving customers different answers about how were supposed to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : 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 XXXXXXXX.
Product: Student loan

I'm trying to find out if I will have my outstanding student loans waived or I'll receive repayment since I attended XXXX XXXX which has turned out to be a institution that lied about credit transfers and everything else. I have around {$8000.00} still outstanding not including all that I have re-payed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a dispute to Eqiufax concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect. 

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly. 

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called Equafax as I had not been informed of any result of my dispute. Equafax attempted numerous times to get me to say my name was different. Equafax then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked Equafax if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. Equafax informed me, " Consumer Reporting Agency. ''  This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered Equafax give the debt collection company any new information concerning me.
Product: Bank account or service

XXXX XXXX, XXXXTo Whom It May Concern, This letter is written with intentions to appeal the closing of my account with your banking institution. I have been accused of fraudulent activity and would like to plead my case. In XX/XX/XXXX, I was referred to a mystery shopping job by a friend who was actively doing it. She told me that the company would send a list of different stores they would want me to check out and send a check for me to cash to have funds to shop to assist in being " mysterious ''. My friend had been working as a mystery shopper as a side job alongside her daily full-time job. She was even cashing her checks at the local XXXX in which she never got into any trouble for doing so neither was red flagged about it. So I truly believed that the mystery shopper job was legit, especially if XXXX cashed their checks. 
As a result, I filled out the required information to get me started and within five business days my starter package had arrived. To begin working immediately, I decided to cash the check at XXXX XXXX XXXX, whom I had an active account with. Upon entering the bank, I asked the teller was it too late to make a same-day deposit, and she informed that it was too late to make a counter deposit but that my deposit would show immediately if it was made by XXXX at the ATM. So upon gaining knowledge of that, I proceeded outside to make the deposit at the ATM. The deposit was made and I thought everything was fine. 
The next day, my fianc called me on his lunch break and asked me to call the bank because it was a major problem with our account. Completely confused, I contacted the bank and was informed that the check I deposited into my personal account was a fraudulent check. An explanation was not welcomed ; therefore, I do appreciate you allowing me to appeal this issue. 
Honestly, do you think someone would deposit a fake check into their own personal account where all of their means of income goes direct deposit? That is insane!!! I would not -- -and, I did not! If I was trying to get over on my bank, I would have tried to cash it instead of depositing it and waiting for it to clear. I do hope you can sense my sincerity. 
This truly was an honest mistake that has extremely burdened my financial situation. This punishment is intense and severe. I did n't take anything from XXXX XXXX XXXX and will not try to take anything from any other banking institution. A wrongful deposit was made, but it was also an innocent act. I was caught in a scam and am being held accountable for my ignorance of such. I am asking for complete leniency in my case. I am recent XXXX with XXXX, young sons and will definitely need a bank account to have access to my funds and to make needed transactions as any other mother. Seven years is just too long time to be penalized for an honest mistake. Please reconsider. 

Thank you for your valued time and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Repossession of auto from Amrican credit accetance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Experia failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX XXXX/XXXX
Product: Mortgage

Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC. There is a foreclosure sale scheduled for my home on XX/XX/XXXX. 
From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC. 
I sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES , LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES , LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible. 
RUSHMORE LOAN MANAGEMENT SERVICES , LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts. Thank You XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX  XX/XX/year> EXPERIAN XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with Experian and XXXX and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Product: Money transfer, virtual currency, or money service

Robinhood has restricted my acc and not giving my money back
Product: Vehicle loan or lease

I had my XXXX repossessed in XXXX of 2021 while laid off from work due to XXXX and those idiots at Regional Acceptance new it didn't work with me so they came and got my car while I was shopping at XXXX. XXXX years and now I barely find out from a private XXXX, I hired to find out who is stealing my identity using my Social Security and falsifying that their myself when I just barely found out that these Fraud punks that I'm going to sue are behind it. I tried to get a Credit Card after being approved with a certificate number comes to find out my Credit is worse than before I filed Bankruptcy these idiots in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX I don't know who the F they a Brokers or Insurance company all I know is I'm going to sue them. So today I finally after months and lots of money my private I 's gave me what I wanted and that is who my identity was stolen by and it's those XXXX in XXXX they repo my car now there trying to scam for more money and ruin my credit, even more. There also behind the hacking thats been going on with my XXXX network they have all my private information. There behindf me not getting my unemployment during XXXX they were extortionists fraudulent scammers comne to find out XXXX of those XXXX have a towing service I want this off my XXXX credit reports ASAP. I want to sue XXXX, XXXX and XXXX for following in gthe foot steps of scammers there idiots who all the executives should be jailed and F XXXX up.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, XXXX, and XXXX for their failure to address and remove fraudulent accounts from my credit reports. As a victim of identity theft, I have discovered several accounts on my credit reports that I did not open. Despite my efforts to dispute these accounts directly with the credit bureaus, they remain on my reports, causing significant harm to my XXXX XXXX and financial standing. 

The fraudulent accounts are as follows : **Closed Account : ** - XXXX ( XXXX ) **Collections : ** - XXXX XXXX ( XXXX ) All XXXX - XXXX XXXX XXXX ( XXXX ) Experian & XXXX - XXXX XXXX XXXX XXXX XXXX ) Experian & XXXX - XXXX ( XXXX ) XXXX & Experian - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XXXX  XXXX  ( XXXX ) All XXXX - XXXX XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX XXXX ( XXXX ) XXXX & XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) Experian & XXXX - XXXX XXXX XXXX XXXX ( XXXX ) Experian & XXXX These credit bureaus are in violation of several federal laws, including : 1. **15 U.S.C. 1692k - Defamation of Character** 2. **Negligent Enhancement of Identity Fraud** 3. **Violation of the Fair Credit Reporting Act** 4. **15 U.S.C. 1681o - Civil Liability for Negligent Non-Compliance** 5. **15 U.S.C. 1681n ( b ) - Civil Liability for Willful Non-Compliance** 6. **15 USC 1692 ( g ) - Failure to Comply with Debt Validation Requirements** 7. **15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** 8. **15 U.S.C. 1681i ( a ) ( 7 ) - Method of Verification** 9. **15 USC 1681a ( 4 ) - Right to Privacy** 10. **15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports** Additionally, the collection agency involved has not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my consumer report. I have also not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

I am requesting the CFPB 's intervention to ensure that these credit bureaus comply with federal law by investigating and removing these fraudulent accounts from my credit reports immediately. Given the urgency of this matter and the ongoing damage to my credit, I demand that these accounts be blocked and removed within 4 days of receiving this complaint. 

Please find attached my identity theft report.,
Product: Debt collection

I sent TRANSWORLD SYSTEM this document certified mail and TRANSWORLD SYSTEM did not send the requested documents asked for in the validation request I mailed. TRANSWORLD SYSTEM sent me a document that was typed out on a plain piece of paper with TRANSWORLD SYSTEM logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe TRANSWORLD SYSTEM. Anyone create anything from a plain piece of paper. The response TRANSWORLD SYSTEM sent to CFPB is bogus! I know my rights as a consumer! Transworld system is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for TRANSWORLD SYSTEM has violated FDCPA laws!
Product: Credit reporting or other personal consumer reports

On XXXX  I checked my credit report to see numerous unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not follow federal law. The company currently reports multiple inaccuracies on my credit report. 

XXXX XXXX and associates Original creditor XXXX XXXX XXXX, inaccurate & Unverifiable information Original creditor XXXX XXXX, misleading, inaccurate a violation of FCRA rules. 

Account continues to reappear on my credit report without notice, a violation of FCRA rules section 1681.