23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I reported a dispute on XXXX twentieth of this year dispute # is XXXX. Someone took my card and made two transactions that were not authorized by me and had no knowledge of the transactions until hours later so I let chime know about this issue and they opened a dispute and they were going to investigate. After few hours I got a email saying that they denied the claim and no error was found. I called the sheriffs department and had a police officer come to my house and filled out a complaint. They gave me a police report number witch I submitted to chime and after XXXX denials with the same generated email from them saying that they were denying my case after a couple days, the police come to my house again with surveillance video from the store and asked me if I knew this person that was using my card. Sure enough I did. I told him who it was. I made a police statement they arrested him felony charge. I uploaded the documents to chime they still denying me, and every time I ask to speak to a supervisor or the investigation team they tell me that we are not allowed to them. This has been nothing but a circus for me. I did not make the transactions for {$350.00}. I requested for my money to get back into the account after the suspect was arrested and charged for fraudulent unauthorized use of my card. They still are denying my claim. I get nowhere speaking with them. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my debt which was in collections in full in the month of XXXX. It still is on my credit report and is keeping my credit low.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and dissatisfaction regarding the presence of fraudulent items on my credit report, which I have previously reported to your agency. Despite my initial dispute and the provision of supporting documentation, these fraudulent items have not been removed from my credit report, and they continue to have a detrimental impact on my financial standing. This letter serves as my second attempt to seek the removal of these erroneous entries. 

I initially reported these fraudulent items to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to prove the inaccuracies and fraudulent nature of these entries. However, despite the evidence I submitted, these items remain on my credit report, causing unwarranted damage to my creditworthiness. 

I kindly request that you conduct a thorough investigation into these fraudulent items once again and take immediate action to remove them from my credit report. As you are aware, the presence of inaccurate and fraudulent information on a credit report can result in serious financial consequences, including the inability to secure loans, obtain credit, or make essential purchases. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a reasonable reinvestigation of disputed items and correct or delete any information found to be inaccurate or unverifiable within 30 days. I expect that you will adhere to this statutory requirement and take prompt action to rectify this situation. 

Enclosed with this letter, you will find copies of all the documents and evidence I provided during my initial dispute for your reference. This documentation includes [ list the documents you are enclosing, such as DL, POB identity theft reports, correspondence with creditors, etc. ]. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, outlining the results of your reinvestigation and confirming the removal of the fraudulent items from my credit report. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$720.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX  XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX Balance XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX XXXX XXXXXXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).
Product: Consumer Loan

I have noticed XXXX numerous times thru disputes that there are NO debts associated with my name. There was an XXXX debtor search certified from the Texas Secretary of State that there are " zero '' debts owed to any alleged creditor. XXXX is in violation of the FCRA ( XXXX XXXX XXXX ) and guilty of re-aging debt, re-insertion of unverified debt, and using copyrighted property. On XXXX XXXX, 2015 Report No. : XXXX confirmed with a hardcopy notice of the deletion of alleged creditor " DT CREDIT ''. It has been over 30 days and XXXX is n violation of XXXX XXXX XXXX XXXX Each at XXXX XXXX XXXX {>= $1,000,000} XXXX per violation per XXXX XXXX XXXX. XXXX. Without Prejudice. I have been damaged and negatively impacted by this negative line of credit remaining remaining my report.
Product: Mortgage

Green Tree. There horrible. XXXX told me, its your parents house, your parents are dead. Get out. Mind you the home is mine. The deed is mine. My parents took our the loan for me. I have paid the loan for 20 years. I was awarded XXXX from the State of Oregon 5 years ago to catch my mortgage up. 

Green Tree. Refused the XXXX. They took my payment every month. You know what kind of things they say. SO we filed a 5 year chapter XXXX. We are still in it. We have a balloon payment coming up. They will not work with us. We will eventually after all we 've been through, lose our home My husband become XXXX 1 year and 3 months after we took out the loan. My daughter became XXXX to and we XXXX! Our life was made even more difficult because of the hateful and vindictive attitude of the employees there and the illegal and underhanded ethics of GT. We are now with Ditech. I cant wait .... Did I mention when I was late once, they said, you should n't have taken your dog to the vet. You should have let her die and buried it in the back yard. Who talks like that? And the insurance they force you to get. That dos'nt pay what they should if you have a claim. To many bad, horrible memories. And my Fathers XXXX XXXX. They would call him every morning at XXXX and kept it up for months. It took months and a lot, lot, lot of calls to get them to call me instead. Persistant, nagging, rude, I had XXXX, Their call have ruined my grand childrens childhood because of the financial XXXX they caused our family. And never would they give us a modification. I tried over and over and could not get one. They took my money but said, not your loan. They even gave me an extension on my parents loans after my folks passed. I was good enough for an extension AFTER I paid them a ton of money. Food money that I could n't spare. then I got the extension but they would not give us a modifation or except the XXXX dollars from the State of Oregon and refuse to ignore our plight with the XXXX balloon payment due 2 years after our bankruptcy. I will get no modification from them. I wonder if they get paid to reposess homes. Why else would they do this. I will not get a chance to keep the loan. I am doomed to move or perhaps become homeless. I am XXXX and I am tired ... Also, I sent them two XXXX dollar XXXX XXXX payments that they said they received. Both of them. And later said I only sent one. XXXX they would find it. Not to worry. I sent them both in. They said they did n't get the receipts or the second payment. It was all recorded on the phone. Put me further behind again. Also they accept the payments from me for the chapter XXXX but still will not give me a modification. I can not refi because it is a manufactured home. at a loss as what to do to stay in our home.
Product: Debt collection

Stride Funding uses XXXX XXXX  to manage an Income Share Agreement that I signed for my time in the XXXX XXXX XXXX XXXX XXXX  The company has on multiple occasions debited unauthorized amounts from my checking account. Most recently, on XX/XX/XXXX, with my account in good standing and without any past due amounts, they drafted {$630.00} from my checking account without my authorization. This amount is the total amount due for XXXX, which isn't due until XX/XX/XXXX. My payments are drafted bi-monthly for half on the XXXX and half on the XXXX, but due to what they described as an " error in their payment system '', they drafted the full amount on the first and the recurring payment that was set up was cancelled. When I called on XX/XX/XXXX to complain about the unauthorized draft, they said they would refund the money and it would take XXXX business days. As of today, XX/XX/XXXX, that money has not been returned. Additionally, I learned today that they mistakenly initiated a refund for a legitimate payment processed in XXXX, and now my account is flagged as Past Due and assessed me late fees. ( For visibility they did waive the late fees, but my account still shows past due and I received a call for payment ). This second refund which was never requested has also not been returned to my checking account. 
As I mentioned this is not the first time this has happened, and in the past I was forgiving enough to let the issue pass, but as the company has repeatedly mismanaged and abused my account, I want to register a formal complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto Financial sent to the credit bureau that I was delinquent {$0.00}. This made my credit score go down 44 points. On XX/XX/XXXX a woman reached out to me saying she would investigate and call me back within a week. I still have not heard back and when I reach out to the company they will not put me in direct contact with her or help me.
Product: Vehicle loan or lease

Originally, we had filed bankruptcy without my car included. We were current on the payments and had paid over {$18000.00} for this used car. We were $ XXXX away from paying it off. When they heard we were filing bankruptcy, even though we were current on our payments, the car was turned off because it had a starter interrupter device on it. They refused to admit they had actually turned the car off or that the box was the issue. Two separate companies, including a shop AND THE company that made those boxes, informed us that the starter interrupter device was the problem. Citadel refused to admit this was the issue. They said I had tampered with the box to make it work. I was current on my payments. I had no reason to mess with the box. I was stranded in XXXX after working all day, until almost XXXX because the car would not start. Why would I have tampered with the box before driving home to cause the box to malfunction? I wouldnt have, however x they made this ridiculous accusation. We had to pull hundreds of dollars from our savings trying to fix the issue after being told multiple times the box had issues and caused other issues. We were told it wrecked the fuse box. I replaced it. Still wouldnt run. I was told it had to be another part. Replaced it. Still didnt run. Finally, i was told definitively that it was the box itself that the finance company put on the car. I was also told the box was so old they no longer used that model and were phasing the boxes out because they were malfunctioning. Citadel refused to acknowledge this and said that it was untrue, even tho it was THEIR company for the boxes that informed us of this. The finance company refused to come up with a reasonable solution to turn the car back on and fix the problem. They wanted me to pay to replace the box, as well as pay over {$600.00} to have it towed to their dealership. We had just drained our savings account trying to fix this car and could not afford it. It sat in the shop for so long, citadel finance sent the title to the car to the shop and told them they could have it. We called our attorney immediately because our bankruptcy was not finished and we had the car included so we would not be responsible for a loan for a car we were essentially screwed out of. Upon receiving notice of the discharge of our bankruptcy, the finance company immediately began reporting 4-5 months of late payments ( during the time period this all occurred and the car sat in the shop ) and reported the loan to my credit and it dropped my credit significantly. I called to resolve the issue and they said they would be pursuing me for the loan amount and late fees and that bankruptcy does not change anything. Now my family is down a car and no way to get another because most car companies arent willing to help me with my late payment history of this car that I was CURRENT on. I do have the ability to contact the shop and receive proof and I have access to receipts where i paid for various car parts trying to fix the issue.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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: Mortgage

Suntrust Mrtg Inc., was negligent in the naming of the borrower on the Subordinate Mortgage recorded with the XXXX County Commission on  XX/XX/XXXX, Book XXXX, Page 1461. 
Suntrust Mrtg Inc., changed the information on page 1 of the Subordinate Mortgage one year, 7 months, and 16 days later without my knowledge by swapping out page 1 and had it re-recorded with the XXXX County Commission on XX/XX/XXXX, Book XXXX, Page XXXX. This has caused a cloud on the title of my home for which I have an executed contract to sell my house to a buyer. Because of this cloud on the title created by Suntrust Mrtg Inc., Suntrust Mrtg Inc., prevented the closing on the sale of my house that was scheduled for  XX/XX/XXXX because Suntrust Mrtg Inc., has not provided the complete payoff information. For several weeks, the title agency handling the closing and myself have spoken to many customer service representatives, mortgage client care representatives and people I was told were supervisor but were not supervisors. I was told by XXXX of XXXX XXXX XXXX that I would receive a call regarding the payoff information within 3 days from when Suntrust Executive Services investigated the issue. I did not receive a callback. I also spoke with XXXX on XXXX XXXX regarding the payoff. She informed me that her supervisor was researching the issue and would send me the payoff on Monday. I did not receive anything on Monday XX/XX/XXXX nor did I receive a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting Eastern Account System To Whom It May Concern, I am formally disputing the reporting of the following account on my TransUnion XXXX XXXX credit report, as it contains inaccurate and unverifiable information in violation of federal law. Account Name : Eastern Account System Account Number : XXXX Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to cease collection activities unless and until they provide proper verification of the alleged debt, a copy of any judgment, or the name and address of the original creditor. To date, I have not received such verification for this account. Therefore, it must not be reported on my credit file without proper validation. Additionally, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all reported information is 100 % accurate across all three major credit bureausExperian, XXXX, and TransUnion. If this account is not verifiably accurate, it must be promptly removed from my credit report. I request that TransUnion immediately investigate this matter and provide verification of the alleged debt. If verification can not be provided in compliance with federal law, I demand that this account be permanently deleted from my credit file. Please provide a written response confirming the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX and XXXX had Deleted my bankruptcy but TransUnion, LCI and XXXX are not complying with the Law.