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

Rental history only list 12 months but dates eviction after 12 months lapsed. Impossible to have eviction after rental hi story ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was violated and taken advantage of, I have already contacted the police and made a police report of the following. Issues. And would like them removed from all 3 credit bureaus. 
Collection account : 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 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 XXXXXX/XX/XXXX XXXX
Product: Credit card

I ordered a refrigerator in a bestbuy store along with a 3 year protection plan and payment was made using my Bestbuy credit card. I cancelled the item before it was delivered. For some reason, the store missed to inform Credit card division about the cancellation and I got a bill from Citi cards. I spoke to the card division on the same day and did a conference call with the bestbuy store and they agreed their mistake and provided a confirmation number ( XXXX ) for cancellation. Later, I received another bill for some balance pending. I contacted Citi and Bestbuy store and they missed to cancel the service plan. They provided another confirmation number ( XXXX ). Still, I am getting calls from Citi and they found that a balance of XXXX $ not paid by the store. They added some late fees and asking to pay around XXXX $ to completely close the account. They also reported to the credit bureau and it already affected my credit history. I am getting atl east 5 calls from Citi everyday during my work hours and I am finding difficulty in connecting to the best buy store as most of the time, they place me in hold for a long time. Please help me in resolving this issue and correct my credit history.
Product: Debt collection

Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX  XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.
Product: Checking or savings account

I was scammed and reported it to my bank immediately with all the facts. My dispute was denied.
Product: Debt collection

Capital Management Service LP RE # XXXX ( XXXX ) On XX/XX/2016 I send a debt validation letter CMR # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed CMR # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.
Product: Credit reporting or other personal consumer reports

This is not a request for credit reporting, but TITLE errors and mismanagement of my Title providing XXXX as lien holder. 
I am writing to bring to your attention a matter of significant concern regarding the ineptness displayed by your team in processing my request for a corrected title. 
Despite numerous attempts and communications with various Chrysler Financial employees, I have encountered a series of frustrating obstacles in obtaining the corrected title required for my bank loan 's security interest and the addition of XXXX XXXX XXXX as the lienholder of record. Regrettably, these attempts have been met with repeated failures and delays, leaving me in a state of considerable inconvenience and dissatisfaction for over 2 years. 
The inability of Chrysler Financial to fulfill such a fundamental and necessary requirement reflects poorly on the company 's professionalism and competence. As a customer, I expect a higher standard of service, especially concerning matters as crucial as legal documentation associated with financial agreements. 
I urge you to investigate this matter promptly and take the necessary steps to rectify the situation without further delay. I expect nothing less than a prompt resolution and the issuance of the corrected title in accordance with the agreed-upon terms of our arrangement. 
Furthermore, I request clear and transparent communication regarding the steps being taken to address this issue and a reasonable timeframe for its resolution. I trust that you will prioritize this matter appropriately and ensure that such lapses in service do not occur in the future. 
Please consider this letter as formal notice of my dissatisfaction and a demand for immediate action. Failure to address this matter satisfactorily may compel me to explore alternative avenues to remedy the situation. 
I appreciate your prompt attention to this matter and look forward to a swift resolution XXXX XXXX to Present Chrysler Financial / Title / Executive Level Communications Team have been responsible for the delay in Title naming XXXX as lienholder. This has resulted in my auto loan interest rate increasing from XXXX % to XXXX %. An increase that XXXX did not send proper documentation to alert me of the increase until I noticed a {$20.00} difference in my monthly payments. 

XXXX - XXXX Title1 lost. Title 2 sent without proper signatures XXXX- Incorrect Title sent XXXX Significant delays in title with multiple promises of receipt made and no action taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and found that I have XXXX accounts in collections. I was never made aware of any debt nor do I know where this debt came from
Product: Debt collection

ABILITY RECOVERY SERVICES, GAVE INFORMATION TO MY SISTER FAILED TO TALK TO THE OWNER OF THE ACCOUNT AND ALSO THEY ARE CHARGING ME FULL PRICE FOR A SCHOOL I DIDNT EVEN FINISH BECAUSE I HAD BECAME XXXX AND DIDNT HAVE THE XTRA FUNDS TO FINISH THE SCHOOL AND I HAVE PROOF THAT I BECAME XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this credit reporting bureau TransUnion has violated my rights.15 USC 1681 Sec.602 states that I have a right to privacy. 15 USC 1681 Sec. 604 ( a ) Sec.2 it also states that a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Will I have to make multiple reports or will you also see to it that the other credit reporting bureaus are also in compliance and are not equally guilty of violating my rights by doing so as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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  Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00} ; XXXX XXXXBalance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a charge-off appearing on my Credit report associated with the information the following Account XXXX : XXXX date of charge off 2023. also XXXX XXXX XXXX XXXX XXXX XXXX account # I XXXX the reporting of this change-off to Credit reporting agencies may be in violation of federal law, partticularly 15U.S.C. 1681. Specifically, I am requesting documentation showing that I was provided an opportunity to " opt-out '' of the sharing of my nonpublic personal information with non-affiliated third parties prior to this charge-off been reported to Credit reporting agencies or any other non-affiliated parties.

under 15 U.S.C. 6802, CREDITORS are required to provide notice and an opt-out option to customers before sharing nonpublic personal information with third parties that are not affiliated with the Creditor.I am requesting that they provide me with 1.Proof of Notice : Evidencethat I was given the required notice under 15 U.S.C.6802 [ B ] Beforeany such sharing occurred 2.Opt-Out opportunity : Documentation showing that I was giving an opportunity to opt out of this information sharing as required by law. if they can not provide this documentation, it suggests that they may violate my obligation under 15 u.s.c 6802 which governs the conditions under which nonpublic person information can be shared .additionally, the failure to provide such documentation would imply non-compliance with your information security obligation under 15U.S.C. 6801 which requires you to protect the confidentiality of customer information, swell as 15U.S.C.6803, which governs the disclosure of privacies to customers. Given that no valid documentation has been provided to me regarding my right to opt-out of this information sharing, I believe hat the large-off should not have been reported in the first place .and therefore, it should be removed from my credit report immediately. 
I respectfully request that you : remove the charge-off from my credit report .CEASE ANY Further REPORTING OF THIS information TO NON-AFFILIATED THIRD PARTIES. 
.PROVIDE WRITTEN confirmation OF THE REMOVAL.
Product: Checking or savings account

I would contact cash app customer service and they would never get back with me about the issues I having with my account and money was being taking
Product: Vehicle loan or lease

XX/XX/XXXX- Made a complaint with CFPB in regards to having complication getting loan cleared. 

XX/XX/XXXX-Received feedback from Ally through CFPB informing me that our account reflected " Paid in Full ''. 

XX/XX/XXXX- Checked Ally app, it reflected that all balances were XXXX and that we owe nothing. We were waiting on an official pay off letter for our records, this payoff letter was requested at the initial complaint and at the time CFPB requested our feedback from the complaint. 

XX/XX/XXXX- Received a notification from Ally that {$70.00} is owed. I have tried to call XXXX the Executive Customer Relations of Ally Bank and have not received a returned call. Based on my experience with Ally it is very complicated to get Ally staff to return phone calls. 

**This account apparently is still open and possibly reflecting on our credit reports. How is it that Ally informed us from the complain that the account has been paid in full but now are asking for more money? We still do not have an official pay off letter on letter head from Ally showing that our account is paid off and that this account is closed.
Product: Student loan

I have an institutional student loan serviced by ACS Education ( http : //www.acs-education.com/ ). As of a week ago, I began receiving emails at different time points regarding temporary verification codes after the implementation of two-step verification. Of note, I have n't tried logging in in the last week. I emailed ACS 's customer service email through their website and have not received a response. I called customer service right now and am told that these emails are automatically generated, are normal, and that there is nothing to worry about. 

To test this, I tried to log in with an incorrect password and no email was generated. I logged in with my correct password and the verification code was sent. I have since changed my password. This is not consistent with what their representative told me, so the representative was either dishonest or did not know better, both of which are responsibilities of the company. 

I think that ACS has not been forthright and an agent other than myself has been logging into my account without me knowing. I would like to know what, if any, information was compromised, and if the recent changes in implementing 2-step authentication were prompted by known activities beforehand.
Product: Mortgage

I started receiving communication from Real Time Resolution around mid XXXX stating there was money owed. I don't owe anyone for a mortgage on my home except for my XXXX mortgage company. After requesting information with a QWR, they responded with limited information as to what was requested, but did state that this was a note from XXXX, my HELOC that had been paid off in late XXXX or early XXXX. I no longer have the payoff documents because I either never received them or they were part of the personal papers that were lost in a flood in XXXX also don't keep paperwork after XXXX yrs. After realizing they were speaking of my Paid Off XXXX, I went to XXXX XXXX and realized that XXXX had failed to release the XXXX on my home after payoff. I communicated this fact to Real Time Resolutions and also offered them {$2500.00} to leave me alone instead of having to hire an attorney to show I didn't owe them anything. A long time went by without hearing back from them. In XXXX of XXXX I finally got around to filing a Quiet Title Action in CT XXXX XXXX at XXXX XXXX against XXXX to release the XXXX on my home. I was requested by the court to also serve XXXX XXXX. Neither XXXX or XXXX have filed appearances in that matter. XXXX months after filing the Quiet Title Action, Real Time Resolution appeared again and filed a Foreclosure Action against me and assigned my mortgage form XXXX to Real Time Resolutions and then to Aviator Properties. I don't understand how these assignments can take place, especially without showing me how they believe I actually owe them any money for a paid off loan. I have now filed a motion in my Quiet Title Action to bring them into that case. I would like to see a complete transaction history, including costs and fees applied to the account for the life of the loan, a payment history for the life of the loan, and all communications regarding the loan. I've also attached the original QWR along with the cover letter of their vague response and my response back to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts and credit inquiries listed on my Experian and XXXX credit report are all fraudulent, unauthorized and the result of identity theft : XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX  XXXX , XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX  XXXX/XXXX  , XX/XX/XXXX
Product: Checking or savings account

I received a letter with a check from Bank of America compensation for my account being on hold they stated on letter if my financial harm was more then the check issued I can request a second irp check at XXXX just provided the proof .which I did and I was denied
Product: Student loan

Never used any funds from this Company, was a co-signer but owner is paying on student loans. Bankrupcy chapter XXXX and disable ... 
Company already discharged it.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Personal Information : XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXXXXXX XXXX XXXXXXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deceptive advertising by chime falsely claiming that banks place a hard inquiry on your credit report when opening a deposit account with them through the three major bureaus, XXXX, XXXX, and XXXX. This is false, as most banks only do a soft inquiry on reports from the major credit bureaus. This misleads customers that dont want their credit report to be affected to think that they should open an account with chime because, chime does not check credit history, when in fact almost every bank does not make a hard inquiry on consumer credit reports for deposit products, i.e . checking, savings, etc. 

Link : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : 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: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, AMOUNT {$5000.00}, ACCT # XXXX ACCOUNT XXXX XXXX XXXX XXXX, AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXXXXXX, AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$10000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX XXXX AMOUNT {$9300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$330.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$15000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX INQUIRIES : Here is the updated version with only the account names and dates : - 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 XXXXXXXX XXXX have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX XXXX XXXX.