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

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number : XXXX, XXXX/ Accont # : XXXX XXXX  credit card/ Acct # : XXXX has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

My bank account had over {$1500.00} of unauthorized transactions placed on it..I had no clue what they were. I opened a claim stating fraudulent charges were made. After the investigation I was told my claim was denied! I was told the reason for denial was '' it appeared to the bank that I myself had placed the charges '' ... In the initial claim I had explained to the bank that my phone with all my information stored on it ..was stolen prior to the charges..that means all my accounts passwords etc were accessible! They didn't give me the opportunity to appeal their decision!! Nobody would listen! They were rude and ugly about it also! The people that can do these fraudulent activities..have the ability to make the charges appear to be YOU!! Isn't that what fraudulent means! so deny my claims of fraudulent transactions due to it appearing to be myself that had made them doesn't seem correct! I feel I wasn't being heard and the treatment that followed the claim was unjustified and uncalled for! I had been customer with Capital One for some time when this occurred. With no prior mishaps or claims! The first one I get and this is the treatment I was handed!
Product: Debt collection

XXXX has illegally hired a debt collector and illegally shared my information and subjected me to spying, stalking, and XXXX terror, identity theft, blackmailing and more. My account was set up so there can no automatically payment can be made, and then they closed it so during the so I had no accesses to my account during the time period they want to charge me for. Then I get an email from a illegal debt collector who claims to have been hired by XXXX. After receiving the scam debt collector agency, I contacted XXXX and demanded them to cancel the false debt collection, which they did not. I herby press charges against XXXX, and Rozlin Financial Group, Inc ( RFGI ). Please arrest everyone involved and make sure that they can not ever terrorize the citizens of the united states again. 

Thank you. 

XXXX XXXX Rozlin Financial Group, Inc ( RFGI ) XXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX Website : www.rfgionline.com Pay online : www.rfgionline.com/pay
Product: Debt collection

Been harrasing me for the past years about suing me for a debt collection, I disputed the debt and was erased and they keep harrasing. 
I need proof of the original agreement, including the terms and conditions under which the original lender agreed to extend credit ; copies of statements showing how the borrower incurred the debt, including the dates of transactions ; etc ...
Product: Credit reporting or other personal consumer reports

Adding on to other complaint # XXXX When i signed up for Equifax online , I was able to enter with password I set up. However, when I tried to use the moble app, it would keep saying login and/or password is incorrect. I used the same logon and password for my online account. 

No I can't even log into my Equifax online account since I filed previous complaint.
Product: Student loan

In or about XXXX XXXX, the loan servicer for my XXXX loan changed from XXXX XXXX to XXXX XXXX. 

There was a delay of 2 months between when XXXX XXXX finished servicing my loan and when XXXX took over. XXXX charges fees for processing online payments using debit cards : 3.95 % plus {$1.00} for one-time online payment. The only way to avoid a fee is to pay by check or money order, which delays the processing of the payment and increases interest, or to set up recurring automatic payments. I get paid biweekly on different days of the month, and prefer to pay each month on a day when I know the deposit from my most recent paycheck will be available. 

The previous loan servicer ( XXXX XXXX ) did not charge fees for online payments at all. I am now paying extra if I wish to pay online, which adds to my debt burden.
Product: Debt collection

To provide context, I have verified that the debt in question is not mine, and I have no legal obligation to repay it. Despite my attempts to clarify this issue with your organization, it has come to my attention that you continue to pursue collection efforts. Furthermore, I have discovered that Cavalry Portfolio Services , LLC is not licensed to collect debt in the state of XXXX, where I currently reside. This raises serious legal concerns as you are engaging in prohibited activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sumitted 4 disputes with equifax credit bureau and they keep giving me the same run around. I had an agreement with a creditor ( XXXX XXXX ) to have an account be removed off all 3 credit bureaus. They was removed off all but equifax, I have submitted multiple disputes with equifax with the same outcome. I have submitted documentation of a deletion letter to have an item removed off my report and they tell me it is not adequate information, and they have contacted the creditor and it shall remain on my report. I have contacted the creditor ( XXXX XXXX ) and they say they have submitted over 3 times the code equifax needs to delete the item. When I have called equifax about my last dispute they said they contacted the creditor on a certain date to verify the account status and that it would remain on my credit report, when I contacted the creditor they said they have not been contacted by equifax. Equifax is not doing their jobs correctly and are hurting me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX, XXXX XXXX****, XXXX XXXX-XXXX****, XXXX  XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

1. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

2. Identity Theft AMERICAN HONDA FINANCE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXXI Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/2021 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

7. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine.
Product: Credit reporting or other personal consumer reports

Accounts are reporting inaccurate on my credit profile. The accounts were unverifiable and removed from my credit profile by XXXX and XXXX on XX/XX/year>.
Product: Mortgage

I am in the process of selling my home. It has an assumable VA loan and the mortgage is held by Loan Depot. I had a buyer sign an contract to buy my house and assume the loan on XXXX XXXX. Loan Depot received the Loan Assumption Application from the buyer on XXXX XXXX ( verified through their customer service ). I have contacted Loan Depot multiple times over the last three months for updates and they continue to say they are 'working on it '. They will not provide the name or number of the loan specialist working on it and when I have gotten a return call, the response it always, we are working on it. On XX/XX/XXXX, I created a help ticket with the VA as there was still no update with firm dates from Loan Depot and we were to the 45 day point from Loan Depot receiving the loan application. Per VA Circular XXXX the Loan should have been approved ( or denied ) within 45 days of receipt. Both the VA and I reached out and were told the loan would be processed NLT the XXXX of XXXX. It was not until XXXX XXXX that the buyers received a message from Loan depot saying they received conditional approval for them to assume the loan. Since that time, I have asked for updates and a firm closing date, and have received nothing. Last week, XX/XX/XXXX, I called for an update and filed a complaint in the Loan Depot system. I have not received communication from them since and called today to follow up. I was told the complaint was opened yesterday ( XX/XX/XXXX ) and they loan was 'at Stage 3 and with the VA for approval '. I then contacted the VA this morning ( XX/XX/XXXX ) and they have nothing in the system from Loan Depot other than the answer to the initial VA inquiry on XXXX XXXX saying Loan Depot would provide an update. the loan is not 'with them'.. 
I have extended the date of closing on my new home twice and now risk losing it as we can't get a firm closing date on the assumption of my current house. 
Finally, when calling today, Loan Depot told me they would not update me again until the XXXX of XXXX ( another 3 weeks ). This process should have taken around 60 days and we are now at the 90 day point with no end in sight. I am looking for assistance to get this loan finalized so I can move on. Thank you.
Product: Vehicle loan or lease

On XX/XX/XXXX my loan was paid off for my XXXX XXXX XXXX XXXX. It took until XX/XX/XXXX for XXXX to process my payoff and send my title. 

Supposedly they sent my title via snail mail and would not allow me to request a lien release until recently. I requested the lien release as of XX/XX/XXXX and was told to expect it via fax within XXXX hours as an escalated attempt to assist my situation and still have not received the lien release either. 

I am losing value on my vehicle and am having to pay insurance on the vehicle despite my intention to sell it after the vehicle was paid off. 

To continue to have the title be missing with no assistance from XXXX is unacceptable.
Product: Debt collection

Caller asked for a person who has NEVER LIVED at this address and NEVER HAD this phone number. They are fishing for this person by last name connections!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by XXXX XXXX XXXX. I returned the vehicle back to the finance company after experiencing issues with the XXXX XXXX  while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to XXXX XXXX when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like XXXX XXXX  wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX  XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

I was on vacation across county with my husband. I kept getting calls about paying money to a credit card company. I thought it was a scam because they could not give me further information. I refused to pay it. I always pay all my bills. You can clearly look and see that in my credit report. I thought that this account was closed. Apparently the card was used and I did not know that. I think the cost was around $ XXXX {$40.00} but with fees and interest I ended up paying over {$100.00}. I closed the account. The entire time they were calling to collect, I assumed because of their shady attitudes it was a scam. Especially since I was traveling across country at the time. If you look into the account I did not use that card for years. Then, all the sudden it has a balance. I paid it off, closed if, they agreed they wouldnt hit my credit, but still to this day it is effecting my credit. I would have a perfect score otherwise. I thought their was a final understanding. Now I have a mark on my credit that states I did not pay something for 120 days when clearly it was a total misunderstanding. I would like this fixed.
Product: Debt collection

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, affiant is aware the debt collector, TRANSWORLD SYS INCXXXX can not communicate with anyone other than the consumer, the natural person, in connection with 15 U.S.Code 1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector, TRANSWORLD SYS INC/XXXX has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a XXXX XXXX account that has been submitted by XXXX XXXX and appears on my credit report. This account is not mine, and I did not receive any prior notification or opportunity to dispute this erroneous account before it was reported, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute the accuracy of any information reported on my credit report, and you are required to investigate the validity of this debt. 

I demand that you provide me with all relevant documentation, including the original application and any records showing my social security number, to prove that this account is indeed mine. If you can not provide such proof, this account must be removed from my credit report immediately, as per the FCRA 's guidelines on correcting inaccurate information. Failure to do so may result in further legal action to enforce my rights under federal law. 

Please confirm the removal of this account from my credit report at your earliest convenience.
Product: Checking or savings account

My ex-husband closed a joint checking account on XX/XX/XXXX when he shouldnt have. The account closed is where my sons social security check is deposited. I contact Chase on XX/XX/XXXX as soon as I discovered it and was told nothing could be done until the day the SS auto deposit was due. I called on Monday XX/XX/XXXX and was told yes I had to wait until the morning of the XXXX. I promptly called at XXXX, spent hours on the phone. 1st person disconnected me. Second person said she was new, spent 52 minutes on the line with her, she kept putting me on hold, then I was disconnected again. Called back, 3rd person opened the claim. I called in Wednesday XX/XX/XXXX, spoke with XXXX, she said, claim was pending callback tomorrow. I called back first thing Thursday XX/XX/XXXX, was told claim in process, funds will be moved before end of day, someone will call me from the claims department. No call came. I never saw evidence of funds being moved. I checked Friday morning, XX/XX/XXXX, funds were not in the open account. I called again shortly after XXXX and spoke with XXXX. She said claim was filed incorrectly and the funds were sent back to Social Security. I was livid. I had spent hours on this, each Chase phone rep, gave me WRONG information. XXXX stated wish you would have called yesterday and talked to me Hello, I called, I wish she would have answered, maybe this could have been resolved. Now I have to deal with Social Security. We had been trying to get my ex removed as personal rep, my son has a XXXX XXXX  due to XXXX  XXXX. I do as well. But because they have been closed, they just said keep moving the money to the new account ourselves, which worked until my ex got vindictive. Not only did he mess this up but Chase XXXX  us over too. Now my son has to wait for SS to resolve the matter to get his money. He gets paid once per month and is on the XXXX XXXX. Nice going Chase. Good thing he lives with me and I can take care of him. But Shame on you Chase. Why do you allow offshore individuals to handle such tricky situations that they know nothing about, I voiced my concern about making sure the funds were not rejected and each time, I was told they dont understand. I could not have been clearer. They dont understand how Social Security works. This is the fault of Chase. They should have provisionally paid this claim now until SS can get the money there which will be approx 7-10/days and we have a holiday coming up. And was son was due to travel to see family in California.
Product: Prepaid card

My name is XXXX XXXX and as of XXXX XXXX I am unable to access my funds from Rushcard that 's all it needs to be said I have my money and they wo n't let it go and its been 10 days.They say it 's a glitch in the computer
Product: Debt collection

A debt was sold to a new collection agency ( XXXX ) for XXXX who did not notify me within 5 days that the debt was being sold or even call me or send me a letter to give me the oppurtunity to settle the debt or dispute it before it was added to my credit report which is a violation of the reinsertion law they reported on XX/XX/XXXX
Product: Credit card or prepaid card

I bought 6 item on XXXX with master business debit card XXXX, i closed my account with Bank of America , but i have 6 incoming return and refund from on XX/XX/2019 till now, back to my closed debit card. I tried to get my money back by calling, visit BoA branchs and debit card claim department but they can not located where my money go??? I contacted XXXX team and they escalated the case, billing department tell me all 6 refund, has been received by Bank of America as resolved. I called today to ask Bank of American claim department but get same answer, which they don't have the fund???
Product: Vehicle loan or lease

To whom this may concern, I am writing to you regarding the predatory lending I have been subjected to with Santander, specifically, exposure to high loan-to-value and payment-to-income ratios. This was due to the dealership illegally inflating my income. 

In XXXX of 2018, I filled out an online application for financing with XXXX. 
I was upfront with information regarding my credit scorXXXX ranging from 400-500 and that I could not afford for a monthly payment to exceed {$350.00}. At that time, I was a customer service representative for XXXX XXXX also known as XXXX XXXX. The XXXX dealership in XXXX CA, responded to my online inquiry and advised me that I was approved and needed to come down to the store to finalize the paperwork. When I got there, the sales representative said she was able to get me approved for a 2018 XXXX XXXX XXXXXXXX  She advised the only thing she had to do was change my income and make it so that I brought in more income than I reported. I didn't think anything of it because I was happy and shocked that I was able to get a car from them with no money down and a credit score no higher than XXXX. The sales representative asked me for my license which at the time I told her I did not have a valid drivers license but only had an ID. She said that was okay but that she had to check something out with her supervisor. She went into another room and spoke to a man then came back and said the ID was fine to take delivery of the vehicle, but that they couldnt allow me to drive the car off the lot. She then advised that she would drive it off the lot for me and have someone follow her. After the paperwork was finalized, she advised the monthly payment would be {$510.00}. She handed me the paperwork and called for her son, who also worked for the company, and told him that he was to follow her as she drove the vehicle I purchased off the lot. She dropped me off at my apartment where she then handed me the keys, she said congratulations on your new vehicle. 

I am filing this complaint against Santander as they should be held responsible for the illegal underwriting practices that occurred specifically related to the inflation of my income to support a payment-to-income ratio I could not afford. This predatory lending is nothing short of a UDAAP violation and is causing negative credit implications. As a result, I would like for the following remediation to occur : I would like to surrender the collateral to Santander and in return, Santander deletes my tradeline and waive any deficiency balance. 

Thank you XXXX XXXX XXXX : CA Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$550.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX