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

This is a complaint against the timeshare company XXXX XXXX. I spoke with their employees, one named XXXX XXXX who introduced himself other than a salesperson and is not working on commission. They enticed me by starting with telling me that I am making a good financial investment. I was offered gifts such as using my points to their hotels. They took my ID during the whole process. I felt pressured when I was told that they needed " '' corporate approval '' '' in order to grant me the deal and that it was my last chance at the lowest price being offered. They lied telling me I will never have to pay maintenance fees again. Lied about earning money from the timeshare such as rental income. They also said I can earn from it by renting it out or reselling it as the resale value would go up. They told me about having some tax benefits similar to owning a second home. Promised things would be positively different each time things just got worse. Everything felt rushed as they did not give me enough time to read and understand the contract. I was not even made aware of their cancellation process like how many days to cancel and such. I asked them about the cancellation and I was told no cancellation. Having this timeshare has just been very problematic for me to the point that I even lose sleep, we experience financial difficulties etc. This has caused us lots of stress due to the problems and issues caused by this timeshare. I was defrauded, scammed & victimized by their predatory sales tactics. This is clearly unlawful deceptive sales and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.
Product: Debt collection

I was on XXXX from my employer. It has a 2 year time period in which they examine your case every 6 months then at the 2 year mark if they find you still XXXX it is for life. I was found to be XXXX until the second year mark according to my XXXX insurance. I am appealing this and probably have a malpractice suit with my primary doctor. I have had no income since XXXX XXXX. I also have a hearing with a judge on XXXX XXXX to see if I qualify for federal XXXX. I am doing some XXXX work when I feel like it for my brother and he is paying me a little.
Product: Credit reporting or other personal consumer reports

Experian was sent FCRA form along with Federal identity theft report. 
Experian denied request saying documents provided were not valid.
Product: Checking or savings account

I withdrew the funds from my checking account because I was disappointed in the interest I was getting from the Bank. I then informed them that my account should be closed immediately. They said that because my balance was {$.00} they could not close my account. This balance is not visible to me, they suggested I go in to claim my XXXX cents, but due to my son battling XXXX I'm unable to get into a branch. Why can't they close my account because they claim I have a balance my online account doesn't even show? This is ridiculous and clearly, so they can charge me fees at the time of the monthly billing because my account will be below the required balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XX/XX/year> venmo sent me a email stating that the remaining balance in my account was available for standard transfer to a bankaccount that is mines I proceed to add a bank account through plaid and manually and it did not let me connect my account for some reason giving me a error message every time I tired to upload and add my bankaccount.. I am left with no other options to get my money off of venmo due to me having only one bankaccount that I use I do not have multiple bankaccounts to use I don't know what else to do to get the remaining funds out of the account.. I am asking venmo to please help me add my account and retrieve the rest of my remaining balance to my bankaccount immediately I don't know what other steps to take to get my money I have waited the 180 days already venmo has gave me permission to withdraw my funds to a bankaccount but won't let me upload my bankaccount to do so, I don't know what else to do or any other measures to take to retrieve my funds my account is unrestricted for standard transfer so I don't know what is the issue with me adding a bankaccount to withdraw my funds can someone please fix this issue for me asap so I can withdraw my funds before venmo close my account
Product: Vehicle loan or lease

XXXX manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.
Product: Debt collection

I attended the XXXX XXXX XXXX XXXX XXXX in the beginning of this year around XXXX and withdrew after attending only one class for a month. I received the Pell grant and was told that my financial aid was going to cover the cost of my class and was even sent a check for {$1900.00} from the university. I asked multiple times if there was anything I would have to pay out of pocket and I was assured my class was covered. Two days ago I received a text message and a bill from Williams & Fudge for {$1500.00}. I called the number for the company, I do not remember the name of the girl I spoke to but she wasnt able to give me many details on the bill. After that I called the student line for the university, and the same woman answered the phone from when I called Williams & Fudge, which I thought was odd. She then transferred me to the financial department of the university where again I wasnt provided with any answers on what this bill was for. I havent received a bill from them at all since I withdrew in XXXX and all the sudden I get XXXX from a collection agency.
Product: Mortgage

COMPLAINT ID # XXXX XX/XX/2021 Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com - Loan # XXXX XXXX ) I told them that I pay property taxes and insurance outside of my mortgage, yet they insisted on adding them to my debts. After I reported them to the Bureau, they added back some amount to my income to balance it out. And they used the wrong income : {$1200.00} instead of {$1200.00}. I had to wait a month to get the official SS Award Letter to show {$1200.00}. 

It does not matter how much they add in or take out. Their calculation procedure is not transparent. There is no accountability. You just have to take it at face value, however they calculate it. 

2 ) After the Bureau forwarded my complaint to them, they offered me 2 refinance packages. I accepted one package on Monday, XX/XX/XXXX. On Friday, XX/XX/XXXX, they went back on their word. They said I no longer qualified for the loan. 

I did not think I would ever get a refinance loan from them, the way they strung me along, and went back and forth between qualifying and disqualifying. 
No one shoud ever have to go through this. 

3 ) It's a small mortgage, only 150K. I have no car debts, no credit card debts. I also pay property taxes and insurance outside of my mortgage. My DTI should be 55 %. Adding utilities cost, it should be well below 65 % to qualify for the loan. 

It's unconscionable for a XXXX widow to keep paying a mortgage at a high rate, when rate has come down considerably during the pandemic. Millions people are out of a job without any income, and I have steady Social Security income. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting and unlawful balance of {$2300.00} on the above-referenced account, which has already been charged off and fully paid. Capital Ones actions of reporting this balance and late payments, despite the account being settled, violate multiple federal laws, and I demand immediate removal of this account from my credit report. 

Per federal law : 1. Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) : Furnishers of credit information are required to report accurate information. Reporting this account as unpaid or showing a balance is a direct violation of this requirement. 
2. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 807 : It is unlawful to misrepresent the amount, character, or legal status of a debt. Reporting or attempting to collect on a debt that is no longer owed constitutes a clear breach of this statute. 
3. Under the FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or unverifiable information, and you are required to conduct a thorough investigation. Failure to validate the current balance or provide documentation proving its accuracy requires immediate deletion of this information. 

This account is no longer legally enforceable. Continuing to report it with a balance or late payments, or implying I still owe money, is not only unethical but also illegal. 

I demand the following actions immediately : Removal of the {$2300.00} balance and all associated late payments from my account history. 
Complete deletion of this charged-off account from my credit report. 

Should Capital One fail to resolve this matter within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and pursue legal action for your violations of the FDCPA and FCRA. 

Please confirm in writing within 30 days that this matter has been resolved and that the account has been deleted from my credit report. I have included supporting documentation, including proof of payment, for your review. 

Failure to comply with federal law in this matter will leave me no choice but to escalate this issue further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX located in XXXX, MO made a hard inquiry to my XXXX credit report without my authorization. I requested documentation of a XXXX XXXX loan application and they told me they " will not be able to accommodate my request ''. Their action was unlawful. 

Here 's the confirmation that they have NO documentation : XXXX XXXX ( XXXX ) To : you Details XXXX, XXXX XXXX will not be able to accommodate that request, and due to being unable to fully meet your expectations of a lender we will be ending our business relationship today. Youve earned your XXXX  XXXX loan benefits, and there are many lenders who offer XXXX XXXX and may be able to better assist you. Perhaps working with a local lender that you can have a face to face business relationship with could better meet your expectations. 

Regardless, we wish you nothing but the best on your home journey and would like to thank you for your service to our country. 

XXXX XXXX XXXX XXXX  XXXX ext XXXX | XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX
Product: Debt collection

I have tried contacting the company to advise them that this is not my debt but I cant get anyone to respond to me. This account came up last year and I disputed this account with another collection agency and it was found to be inaccurate, but now this new agency is trying to collect on this same debt that was proven to be inaccurate. This is not my account and Ive never had XXXX. I dont understand why this is still happening without any notice to me.
Product: Debt collection

I discovered that a bill that I had paid in XXXX of 2016 was still showing on my credit reports as active and uncollected with Credit Collections USA. I called the original creditor ( whom I had paid ) and they advised that they had conacted the collector to withdraw the collections. I filed a dispute with XXXX and the collector had affirmed the debt was still active. I then called the colector who hassled me until I started a XXXX way call with the original creditor. Duing this conversation, I requested that my credit reporting be retroactively updated to show that I had paid the account off over a year ago : CCU refused to do this and claims that they can not due this. CCU has ignored their client 's and my requests, and refuses to rectify the damage that they have caused to my credit. I am a young professional looking to purchase a vehicle soon, and I feel that CCU 's deliberate and damaging actions are holding me back.
Product: Credit reporting or other personal consumer reports

Car payments and credit card payments with XXXX  XXXX XXXX  days late for XXXX and XX/XX/XXXX. XXXX  days late XX/XX/XXXX and XXXX  days late XX/XX/XXXX. XXXX XXXX XXXX XXXX is showing late payments XX/XX/XXXX and XX/XX/XXXX. XXXX  XXXX credit card is showing XXXX  days late XX/XX/XXXX and XXXX  days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Consumer Loan

I took a loan from Cash Call in 2013. The amount was {$5000.00}. I did n't understand the terms of the loan because the transaction occurred within a couple of days. I then lost my job and defaulted about 7 months later. Cash Call made it very difficult because they would not work with me until l could get back to work. The interest is now 119 percent. Now Cash Call is threatening to file a lawsuit and the balance is over {$35000.00}. 
Initially the salesman who I spoke with never explained the terms of the loan. Therefore it is my believe that there was despection. When I tried calling him back to let him know I lost my job it was impossible to get him or someone to speak with. 
The collection department would call about XXXX times a day but used blocked numbers or unrecognized numbers. I spoke with someone in that department who was not willing to work me on a partial payment. My salary was and is still very low, and I am not capable of making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$140.00} ; XXXXXXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX, XXXXXXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this NATIONSTAR MORTGAGE LLC and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XXXX. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX. The account status is wrong and should be closed. Now, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I want you to delete this misinformation on my file : NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Vehicle loan or lease

I paid off my XXXX  loan in full with Navy Federal Credit Union on XX/XX/2024. On XX/XX/2024 I paid XXXX. On XX/XX/2024 I paid XXXX. 
I called on XXXX different occasions requesting that my title be sent out to me in the mail or to find out if I could come into a branch and pick up my title. I was assured on by all XXXX  Representatives that they would schedule my vehicle title to sent out to me. And still to this XXXX I have not received my vehicle title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Balance {$35.00} Highest Balance {$36.00} Opened XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Product: Credit reporting or other personal consumer reports

After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can TransUnion report this? With all due respect, the claims within my report are wrong. TransUnion have to follow proper procedures if these claims are in their system and to be used in my credit report. I challenge the accuracy and fairness of TransUnion findings by demanding evidence before they make any claims and take such drastic measures against my reputation. I know that TransUnion cant just decide which rules apply to their organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. TransUnion have yet to provide me records documenting how they verified and validated these accounts/claims. TransUnion proof of each negative claim that has been placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need TransUnion to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving TransUnion 30 days to investigate. These allegations are without merit. TransUnion must provide accurate and verified information for each claim. If any of these claims are not true, TransUnion must delete them immediately so I can restore my good name. On XX/XX/XXXX  I sent my detailed complaint to TransUnion via certified mail which a copy of the detailed complaint has been attached to this complaint. Including a copy of my driver 's license, social security card and utility bill.