23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 

XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX did hard inquiries against my wishes. One of these hard inquiries went to TD Auto Finance. XXXX XXXX has admitted their mistake & provided me with a letter to have the hard inquiries removed.
Product: Student loan

I have student loans XXXX with a school that has been closed due to student loan fraud in XXXX XXXX which is public record and Im a victim. 

The older XXXX student loans are over XXXX XXXX XXXX and still on my credit report These remaining loans are fraudulent as well. XXXX XXXX XXXX has a clause in their Ethics Code to give XXXX first choice in a review broad hearing. 
I was forced to retake classes I passed which cost more in loans and grants. 

Not given my rightful process to fight my case goes against their own policy Which voids my agreement with paying my loans
Product: Debt collection

I do not have a contract with ProCollect Inc. Would you please provide me with a contract that I have with your company with the alleged debt you purchased and how much it is for? I have already filed a company with the Better Business Bureau & with the Texas State Attorney General. I would also like to know if your company can legally collect debt?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX which was settled in full on XX/XX/2024. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.
Product: Credit card or prepaid card

Genesis FS Card ServicesXXXX XXXX XXXX XXXX XXXX had a fraudulent charge on XX/XX/2022 from XXXX XXXX  ( Florida XXXX # XXXX for {$130.00}. I contacted Destiny and they canceled the card and issued a new one # XXXX. They assured me when the refund from the company came through it would go on my new card. They did not do that! When the refund came through on XX/XX/XXXX they refused it. I want my {$130.00}, they have been charging me interest on a fraudulent charge, so I want that back as well. I am a senior on a fixed income and can not be out {$130.00} for something I did not purchase or receive. When can I expect a result? 
Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I cancelled a loan in XX/XX/XXXX. I am to receive a full refund of {$5100.00} of money that I paid in to them. I have been going back and forth with this company and they say theyve mailed a check but now their corporate office is not sure if the check is mailed or not. They keep telling me to wait 7-10 business days and call back if I havent received. I was recently told it was mailed on XXXX and as I called today XXXX and spoken to a representative theyve asked me to wait another 7-10 business days and to call them again. This is money owed to me and its getting increasingly frustrating as I get disconnected multiple times only to reach someone who is not entirely sure as to whats going on. The companys name is Health Credit Services. I am reaching out here in hopes that there might be a resolution.
Product: Vehicle loan or lease

My credit shows that I owe j and c auto sales a little over XXXX dollars for a vehicle that I voluntary gave back to them in XX/XX/XXXX. I have contacted the company via phone and was told by a gentleman by name of XXXX that he would not provide me with any documentation of what I owe them for the vehicle. After I turned the car into them, the vehicle had been re-titled in the company 's name around XXXX XXXX, then sold to leased to another customer. The customer then gave the car back to the company which it was then re-titled back in the company 's name around XXXX XXXX, then vehicle was then sold to another owner the same month. The FL DMV has documentation of these sales and re-titling.
Product: Debt collection

Credit Collection Services, although I talked to them that I do not owe anything to XXXX insurance and XXXX knows it, they keep sending me letters and advice me to proof that I do not owe them anything. I do not know what else to to.
Product: Mortgage

My XXXX mortgage payment of {$3900.00} was received and cashed by the mortgage servicer on XX/XX/2022 ( check image attached to complaint ). As of XX/XX/2022, no payment had been applied to my account and I hadnt been notified by phone or email that my payment was late. The mortgage servicer said my case was under investigation but refused to guarantee that they would not report a late payment to credit bureaus while under investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$20000.00} Items reporting inaccurate as a result of identity fraud Ive sent in all requested documents to support my claim and to have all inaccurate items blocked and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX  Account number # XXXX Account name XXXX XXXX XXXX Account number # XXXX Account name XXXX XXXX XXXX XXXX Account number # XXXX  XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.
Product: Mortgage

our loan is biweekly with a payment amount of {$360.00} every 2 weeks. Our monthly statement show our monthly payment as {$360.00} despite that being the payment every two weeks. Our annual escrow analysis also shows our monthly payment as {$360.00} which is not even half of what would be monthly. Nationstar began servicing this account XX/XX/2015 and it has been wrong every month. We have repeatedly contacted them through their corporate offices and only get promises to fix it. We feel our statements should be correct.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$740.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I have been trying to have a rollover check return to XXXX  or XXXX  to complete the rollover I have sent documentation that this is a disbursement for a XXXX rollover. XXXX has given me all that they could to get the funds return. the check has been cash and put into an account according to chase bank. I don't know what to do to get those funds back and XXXX has been more than helpful. I just need help to have my funds release to complete rollover.
Product: Debt collection

I have contacted this company about a debt that has been causing emotional hardship and financial hardship in my life. I called this collection company to let them know that this charge is a result of fraud that should have never been drawn back to me. I have spoken with XXXX several time and gotten this collection removed off of my report, just for them to consistently report back to my account. They advised me to make a police report about the situation. I have spoken to several policemen just for them to tell me that it was not anything that could really help me in this situation because i have no names, times, or dates that would help build a report. My credit score has went down dramatically to the point were i can not even finance a credit card to help pay for my son 's XXXX XXXX XXXX. All i can do is put a XXXX XXXX on my credit in hope not to get attacked again. The company is named Southwest Credit System. Address is XXXX XXXX XXXX XXXX, TX XXXX and phone number listed is ( XXXX ) XXXX. They say I am to pay {$920.00}.
Product: Credit reporting or other personal consumer reports

This particular complaint is specific to XXXX. However, I have disputed with XXXX, XXXX, and Experian, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seqXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car was purchased XX/XX/XXXX from Darcar in Maryland. The car was XXXX, I gave them XXXX cash as a dowm payment, leaving me with XXXX to finance. Somehow I have had to pay off the XXXX over three years at XXXX. That totals XXXX. In XXXX, they repoed the car because I moved to New Jersey. I paid XXXX to get the car back. The car came back so damaged. I filed a complaint to fix the car, never resolved. 

According to XXXX XXXX, the car will not be paid for until XX/XX/XXXX, five months after what the Contract states. An additional XXXX. The last payment should have been XX/XX/XXXX, money she is claiming not to have received. 

On XX/XX/XXXX like each month, I allow XXXX to take the payment directly from my checking account. The company never informed me that there was a payment portal online, instead I gave all my banking info to an account manager who has full access to my checking account. I received an email on the XXXX of XXXX informing me that XXXX 's payment was not received. There is no problem with the account, the money is there. I have an email from XXXX confirming that she will take the money on XX/XX/XXXX .... This is her way of charging me late fees which has been a practice of the company. 

I would have paid XXXX for a XXXX car - XXXX for borrowing XXXX. Please look into this matter.
Product: Credit reporting or other personal consumer reports

I am in XXXX XXXXXXXX bankruptcy all accounts should be XXXX owed/zero due and no negative remarks should be posted on my credit.
Product: Credit reporting or other personal consumer reports

Please re Investigate the inaccurate information you are reporting on my consumer report. You have failed to abide by FCRA Metro 2 guidelines and are reporting inaccurate accounts. This is my Notice of Demand to remove this derogatory off my account immediately.
Product: Vehicle loan or lease

In XX/XX/2020 with the COVID outbreak I spoke to a GM representative who supplied me with the belief that I would be placed in a forbearance program where I would not need to make payments for a certain amount of time. Immediately following that discussion I paused making full payments due to my businesses being closed, government orders in place and an inability to make payments. The very next month I was assessed a late fee for not making the XXXX payment. This continued on even after payments began to be made again. I've called and spoken to several people at GM Financial and they will not provide a full accounting of all late fees charged. I have asked on 3 separate occasions to have my account history sent to me and I've never received. I have an online account that does not show a full history of invoices, due dates, payments or late fees. They essentially have charged fees on top of fees and continued to assess. I believe because this is a zero percent interest loan and fees are the only way to make profit off of this loan GM Financial took advantage of the pandemics economic impact and unlike most other reasonable and ethical businesses continued to charge late fees knowing that a customer had reached out and that my business was closed.
Product: Debt collection

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Product: Mortgage

I am furious of the way US Bank has handle my XXXX of credit. I was asked to provide prove from US Bank offering a settlement. I provided a letter stating US Bank was willing to settle with me if I pay them {$19000.00}. After I when to a US Bank branch and deposit the {$19000.00} US Bank is denying me my settlement documents. Agent XXXX disclose to me there is no record of the document I presented. This is a huge problem because I deposit US Bank the amount they were requesting to settle. This is prove US Bank is practicing fraudulent and deceptive practices in order to deny me any assistance. Please help me US Bank does not wan to help me. I have explain numerous times I do not have any funds available, the money I gave US Bank was from a severance packet my husband receive from a work injury. Since then he has not work I am the only source of income.
Product: Credit card or prepaid card

I canceled all my accounts with BMO Harris last year. in XXXX I received a bill for a purchase I did not make in Califonia I. called BMO Harris and told them. about this. and was told they would take care of it. I have received a bill every month and many letters demanding payment. I receive 4 or 5 phone calls every day and have had my credit destroyed. I have called them dozens of times and have been put on the merry-go-round of referred to someone else. eventually to be switched back to the first person. I went to their branch in XXXX XXXX. and was told they would take care of it., another lie.It is 12 noon at my home and I already received 4 phone calls from them.I would be thankful for any help you can provide XXXX XXXX XXXX
Product: Mortgage

Our mortgage was bought by Fay Servicing. We were told that the process would be easy and we would have an account manager that would handle our file. That was XX/XX/2016. We started out behind in payments since I never received the welcome packet to tell me who to call or where to send payments. Fay Servicing does n't offer weekly payments, so that put us in a bind. I asked for a loan modification and was told I would get a call from a loan specialist and never did. We started falling behind and I emailed and left messages for our account manager no return call or email. Finally I found the Loss Mitigation Package paperwork, filled it out and sent in all documents. I have since been contacted via letter wanting more info, and once by email by our account manager for a more recent check stuff and bank statements. Now they are sending people out to make sure we still live here like we are going to just run off, we want to keep our house they are the ones that are none responsive. We need help, Fay Servicing does n't contact their customers and the account managers must have too many files to deal with, because ours takes weeks if not months to contact us back if she does at all.
Product: Mortgage

For the past year now I have been trying to complete a short sale With Chase Bank NA The reason I applied for a short sale was due to the fact for the last three years I have been trying to save my home by applying for a loan modification and was denied about 4 times. I can not understand why because the Monthly housing income is at least {$6800.00} per month. Anyway Chase offered me the opportunity to do a short sale. They said it would be better for me because they would with draw the foreclosure action and file a satisfaction of mortgage in the county clerk 's office. Also it would be better for my credit as to have a settled account instead of a foreclosure. 
So I hired a broker to help sell my home. this was in late XX/XX/XXXX. In XX/XX/XXXX I received an offer. I went into contract. With the help of my broker I submitted full package and waited two months with Chase to get an answer. In late XX/XX/XXXX my initial buyer walked away Claiming its taking to long for Chase to make a decision. In XX/XX/XXXX I went into contract with a second buyer. On XX/XX/XXXX My broker got an email from XXXX XXXX in the short sale department at Chase. That email stated that the investor completed and approved the net proceeds to be no less than {$87000.00} on the property and to move forward with the closing paperwork making the proper adjustments on the HUD. 
Then the long process of stonewalling by Chase started. They made my broker change the HUD at Least 5 times. They asked my broker to put the incorrect address of my property on the HUD and changed the contract address at least 3 times on both the HUD and the contract. They reorder another appraisal on the property. They changed the investor during the process. Chase dragged this approval out for moths while the 2nd buyer was ready willing and able to close. In XX/XX/XXXX Chase sent and email to my Broker stating that the short sale was Declined. Now I am losing my home on XX/XX/XXXX. And the relocation money and all the benefits of doing the Short Sale Chase Promised me are gone. I believe Chase has acted in bad faith and has used my home as a cash register for their benefit. I believe from day one Chase had no intention of helping me and they used this long process for their benefit. I believe they have committed fraud to the Investor of the Mortgage and or the tax payer in doing so..
Product: Debt collection

The company I work for use XXXX as a service for wages and when I received a wage garnishment XXXX  I have attached documentation ) I was unmindful that I was being sued as I never recieved papers or orders. 
After looking closely to the documents that XXXX  uploaded XXXX see attached ) I noticed they used a pay period to show my income on a pay period that I felt was unusual high. It was this high pay period that was use to collect when in fact I average {$200.00} less. 
My take home for XXXX weeks is an average of {$850.00} and XXXX XXXX of that for wage garnishment of {$210.00} leaving me XXXX to live on for XXXX weeks is unreal.My rent alone is {$1100.00}. 
This particular account has been closed since XXXX and all the sudden shows active open on my credit report with the balance increasing ever week. 
XX/XX/XXXX my credit went down XXXX points XX/XX/XXXX balance increase XX/XX/XXXX balance increased XXXX XXXX balance increased XX/XX/XXXX balance increased XX/XX/XXXX balance increased