23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I started receiving emails from Chime at XXXX ( central ) on XX/XX/2024 for an account that I did not open. I reset the password on the account and logged in to see that they allowed a fraudulent account to be opened in my name for a previous address. When I tried to close the account, they requested my SSN even after I told them it was identity theft/fraud. I told them I am not giving them any information and she said I would need to call and provide this information. They will not close the fraudulent account unless I call and give them my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ID Works refuses to respond to me. Attempts to contact through many departments, yet they refuse to respond. I have been complaining to Experian about their 2nd rate and inferior services, therefore, more than likely, I have been " BLACKLISTED ''. Is this the way that any reputable Company would do business??? No wonder Experian ID Services has so many complaints with XXXX  and Consumer Finance Protection Bureau. Simply read them yourself.
Product: Consumer Loan

Obtained loan from Western Sky in XXXX XXXX immediately sold to XXXX ( loan officer said loan was with Western Sky but would be serviced by XXXX ). XXXX name on paperwork and all documentation in the mail. Paid for almost one year without any reduction in the loan principal. Did an amortization schedule to determine my 5 year loan would take 10 to repay. Called company because I could n't afford that and was not disclosed. Company agreed to lower interest to 89 % but this only shortened amortization to 7.5 years when my loan docs said 5. I quit paying. 
Several lawsuits and ban on Western Sky and XXXX. Was informed I would not have to repay a predatory lender. 
Now I am being harassed by a collection agency ( legal locator service ) that I am about to be sued for way more than I owed unless I can pay {$740.00} within 2 days.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you regarding account numbers XXXX and XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.
Product: Debt collection

Company keeps decreasing and increasing my balance every month to keep activity updating every month. From my understanding this is illegal.
Product: Mortgage

During this default period where I had been out of work and hospitalized I fell behind on my payments. I corresponded with the mortgage company informing them of my hardship. Most recently my employer put in an application for me to medically retire. My intention was to begin making payments until this happened but I couldnt because I was waiting for additional income to go through which is a process and I have been making Home repairs. I explained to my mortgage company this sudden decision forcing me out of work. They have since referred me to an attorney who filed a motion with the court for foreclosure and now Im currently in a modification process. Im in an Underwater Loan for my house. Ive asked that they lower the amount owed on this house and they havent. The house next to me just sold for {$20000.00} and my mortgage company has a balance of {$160000.00} which is owed.XXXX XXXX XXXX also has a lawsuit that was filed against them last year for putting customers into foreclosure and denying them modifications. Ive lived in my house for 39 years, have had setbacks and even sent in my medical documentation in hopes of a foreberance to take my Home out of foreclosure. The law firm that they are using has improperly submitted paperwork listing this lady as a Lein holder when that child support debt to her has been paid XXXX years ago.
Product: Money transfer, virtual currency, or money service

Today on my birthday XX/XX/year>, I was working doing XXXX deliveries and suddenly my XXXX XXXX card with a balance of {$140.00} was locked, never done any disputes or fraudulent charges, really need help
Product: Checking or savings account

Called up to make an important bank transfer. For context I can only contact banking over the telephone. First time I had to hang up because it was just impossible to hear over the phone. Second time I was forced to hang up because he says he kept acting like they couldnt hear me and eventually the phone went silent. And the third time I called up they said they were closed for the day. I can not balance my books without internal transfers. Internal transfer it can only be conducted over the phone. I cant even tell if a paycheck has cleared the bank or not. And I will not download their app just so they can avoid having to pay a paycheck
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BRITE FINANCIAL SERVIC,  XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, BRITE FINANCIAL SERVIC,  XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

My complaint against Equifax is not a duplicate complaint the company has asked for my identification which they already have. This letter serves as my third formal notice requesting that Equifax block and remove unauthorized inquiries from my credit report as required by Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ). Despite providing the required identification documentation, including a copy of my ID and Social Security card on multiple occasions, Equifax has failed to remove or block these inquiries from my report, and I am left without resolution or valid reasoning for this noncompliance. 

Details of Violation Under Section 605B, Equifax is mandated to block information resulting from identity theft or unauthorized inquiries once sufficient proof of identity and a formal dispute are submitted. This is the third attempt to resolve this issue, and I have provided ample documentation to confirm my identity. I am including a copy of Equifaxs prior response that stated a need for identification verification, despite the fact that my ID and Social Security card have been submitted multiple times. If Equifax claims it can not identify me, then I must question the origin of this information and ask who is validating it. 

Unauthorized Inquiries to be Blocked or Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Request for Immediate Action In accordance with Section 605B, Equifax is legally obligated to : Block the above inquiries from my report within four days of receiving this notice. 
Provide written confirmation that these inquiries have been removed. 
Cease requesting additional identification documentation, as it has already been supplied. 
Please treat this letter as a formal complaint regarding Equifaxs failure to fulfill its obligations under the FCRA. If this issue is not resolved within the time frame stipulated by federal law, I will have no alternative but to escalate my issues Thank you for your immediate attention to this matter. I expect confirmation of compliance with this request within 15 days of receipt.
Product: Debt collection

I have ( 4 ) medical bills I paid off with AR Resources which are reporting on my credit report. I want these accounts deleted/removed. Account numbers are XXXX, XXXX, XXXX ( listed twice on my credit report ) and XXXX.
Product: Payday loan, title loan, or personal loan

XXXX of XXXX I believe I got a title loan from title max paying until I lost my job spoke with them and try to get a title 5 .You must speak with dm so I called left several messages at least three times a week got a new job and try to lower my payments still know help.hot my income tax paid all that I owe.while still trying to get a title 5 .they never heard of it they took my car.and wrote me saying they sold it and I owe about XXXXalso I got another car went to XXXX and try to turn in plate on get it on new car XXXX of XXXX and they stated title max did not sale this car yet so I got new plates
Product: Credit card or prepaid card

My dad filed fraud report with Barclay Bank Master Credit Card. He added me as authorized user long time ago so at least I can manage his account but I never received the card ever since. I called the bank as my dad is XXXX and doesn't speak English well but the bank was giving me hard time and only wants to talk to my dad. Therefore he provided Power of Attorney. I went to police station with Power of Attorney to file police report for my dad but got rejected since I have no statement to show what accounts were fraud charges. The bank blocked online access so we can't go online any more and we don't receive paper statement. 
Make long story short, Barclay Bank did not investigate properly as I seen most of charges were occurred in out of Country. As matter of fact my dad can not drive or fly as he is XXXX  and their investigated time was not long enough to verify those unauthorized charges. If they were willing to investigate I am sure they would take this matter seriously and investigate detail by contacting merchants to collect cctv footage. The bank didn't do anything but leave those fraud charges on my dad 's account as he's too old to take this matter further.
Product: Vehicle loan or lease

Hyundai Finc opened XX/XX/XXXX - was included in bankruptcy while in bankruptcy the total amount was suppose to be lowered to blue book valued price and payments were sent during the bankruptcy. The vehicle while in bankruptcy was wrongfully repoed and sold. The ending balance was recovered in the sale but finance company is still reporting the incorrect amount and caused the bankruptcy to be dismissed after not reporting the correct amount. The balance reporting is still incorrect and should be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, there are fraudulent accounts listed on my credit report that I did not open or authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following accounts from my credit file. 
Fraudulent Accounts to be Deleted : XXXX. XXXX ( Account No : XXXX ) XX/XX/year> {$0.00} XXXX. XXXX ( Account XXXX : XXXX ) XX/XX/year> {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX in XX/XX/XXXX. I recently looked at my credit. I have/had no late payments as reported by all of my creditors on all 3 reports. 

All creditors have noted " wage earners '', Chapter XXXX on each account. Federal Court has Chapter XXXX noted on credit report. 

CRA 's have added, in each account, a failure to pay, on whatever month they choose. The lastest being XX/XX/XXXX, which will extend the 7-10 years. 

So, Federal Court noted Chapter XXXX, creditors noted Chapter XXXX. Now CRA XXXX  have added to each account. So I had nothing bad reported except chapter XXXX. Now I have 12 derogatory remarks on my credit. It makes it impossible to rent or buy anything on credit. I can't even refinance my house. I understand it's bankruptcy, but without the CRA 's doing more than just coordinating the submissions, my score would be in the 600-700 range. My situation is different than most because I had no derogatory remarks from creditors. It's bad enough having a bankruptcy, having CRA 's do this is even worse. 

Why are CRA 's allowed to add any additional information to a creditors submission? Is this actually accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened an XXXX XXXX account in XXXX of 2020. According to XXXX XXXX, it has been reported to all 3 credit bureaus since XX/XX/2020. I have opened this account to build credit. 
As of today, it has not shown on Transunion, even after I have been told by XXXX XXXX, that it has been reported to them for approximately 18 months. 
I have opened another account with XXXX XXXX, and again the other 2 credit bureaus already had it in my credit report a month by now, but Transunion doesnt have that on my report either. 
For same exact information on all 3 bureaus reporting, Transunion is 60 points less, than the other 2, which is not just extremely unfair, but prevent me to be able to purchase a house for a year now!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct XXXX XXXXXXXX {$17000.00} In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report.

The credit bureau stated that my account was properly investigated but how is that possible when no prove of my signature was sent me in regards to this company. Also the account opening dates are inaccurate. This is grounds for removal they also violated my rights under 15 U S C 1681 Section 602 states I have the right to privacy. 15 U S C 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish a account without my written consent. Also states that this item was sold to another company, in which I still have no proven obligation to.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The following personal information is incorrect Account Number : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2019 XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2019 As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been previous disputing with XXXX  and Transunion the following account XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have been paid in full and are old to be part on my credit report. Every time I dispute the account I receive an email or letter that the accounts was previous dispute but the don't fix the inaccurate information form my personal credit report.
Product: Debt collection

On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, the servicer for ServiceMac LLC attempted to collect a payment despite receiving a formal cease and desist notice. This violates FDCPA ( 15 U.S.C. 1692c ( c ) ), which prohibits further communication after a cease and desist unless responding to legal action.

Failure to Acknowledge Qualified Written Request ( QWR ) I sent a QWR on XX/XX/XXXX, requesting validation of debt. Third party XXXX XXXX and servicer SERVICEMAC LLC failed to acknowledge it within 5 business days, violating RESPA ( 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ).

Continued Collection Efforts Without Debt Validation Despite failing to validate the alleged debt, XXXX XXXX XXXXXXXX continued collection attempts. This violates FDCPA ( 15 U.S.C. 1692g ( b ) ), which requires suspension of collection until validation is provided. 
Direct Contact with Principal Despite Power of Attorney ( POA ) on File On XX/XX/XXXX, XXXXXXXX XXXX  XXXX contacted the principal directly, despite receiving a notarized Power of Attorney ( POA ) on XX/XX/XXXX. This violates the Georgia Uniform Power of Attorney Act ( O.C.G.A. 10-6B-1 et seq. ), which requires recognition of POA authority.

Lack of Proof of Legal Standing to Collect or Foreclose Neither XXXX or SERVICEMAC have provided proof of ownership or legal standing to enforce the alleged debt, violating Georgia foreclosure law ( O.C.G.A. 44-14-162 ( b ) ), which requires a secured creditor to initiate foreclosure. 
Unlawful Foreclosure Attempt Without Proving Legal Standing The alleged mortgage has been securitized, meaning the original obligation was converted into a security, altering the nature of the debt. This constitutes unjust enrichment as Obligors are seeking additional payments despite already profiting from securitization. 
My response to this unfavourable circumstance have been in good faith. Sense the transfer of the loan has happened I have taken the following actions ; XX/XX/XXXX I've filed a MOTION FOR EQUITABLE INJUNCTION TO HALT FORECLOSURE, XXXX and SERVICEMAC can expect to be served at their addresses for subpoena. 
XX/XX/XXXX my XXXX for my estate and security interest for the name I do business with was confirmed and recorded in my estate 's birth place. 
XX/XX/XXXX my AFFIDAVIT OF TITLE AND SECURITY INTEREST, was accepted by XXXX XXXX XXXX XXXX. 
XX/XX/XXXX my XXXX for XXXX XXXX, GA, perfecting my security interest was confirmed delivered and am waiting confirmation of that recording. 
XXXX, XXXX the principal received from XXXX XXXX XXXX XXXX a XXXX a request for information and had not one recorded debtor though the property was bought in XXXX. 
Inspite all of the attempts to resolve the matter, they've simply failed their fiduciary responsibilities.
Product: Student loan

Hello- I have approximately {$75000.00} in student loans and my husband has approximately {$200000.00} in student loans, both being serviced with Fedloan Servicing. Prior to getting married, we filed our taxes as Individuals and were each on our Income-Driven Repayment plans with Fedloan Servicing. We got married in XX/XX/XXXXand so filed our taxes as XXXX XXXX XXXX for the first time for the XX/XX/XXXXtax year. At the beginning of XX/XX/XXXX, my husband was let go from his job. In XX/XX/XXXXof XX/XX/XXXX, I got a letter from Fedloan Servicing stating that I should start gathering material for re-certifying my Income-Driven Repayment plan. They stated that all information needed to be in by XX/XX/XXXX or else my loan payment would increase to {$800.00} per month starting XX/XX/XXXX ( this year I've been paying {$380.00} under my IDR ). I submit income information for IDR every year, and it's never been a problem before. This year, I submitted the income information for both my husband and myself- which included our XX/XX/XXXXtax return, my most recent paystubs from XX/XX/XXXX, and his unemployment insurance benefits letter stating his new income. All information was submitted well before XX/XX/XXXX ( I want to say around the end of XX/XX/XXXXXXXX, because I was nervous they might have trouble with the various changes to our income. On XX/XX/XXXX, I received a letter saying that my new payment would be {$650.00} per month. This was terrifying, because our annual joint income right now is approximately {$74000.00} XXXX {$60000.00} for me and {$14000.00} for his unemployment ). My income last year was something like {$58000.00} and my IDR payment was {$380.00} a month. I thought perhaps Fedloan Servicing did not account for the fact that my husband 's income dropped so much, so I called them on XX/XX/XXXX to find out what was going on. They told me that the payment had not been calculated correctly- they correctly incorporated both of our incomes, but they did not account for both of our loans. They told me it should be closer to {$170.00} per month XXXX his recalculated IDR loan payment will be a bit higher, this is just for mine ). Fedloan Servicing told me they would put in an expedited request to have the calculation redone, and told me it should take about a week. I didn't hear back from them after a week, and so sometime last week ( I think XX/XX/XXXX ), I called to check in on the status of the recalculation. At that time, they told me that I should receive a letter today ( XX/XX/XXXX ) with the new monthly payment. I didn't receive anything, and so I gave them a call. The person I spoke with told me that they had again not calculated it correctly because they didn't take my husband 's loans into account. They told me they put in an expedited request to have it reviewed again, and that it should take me a week to hear back the results. I don't know what to do. Last time it took 20 days when they said it would take 7. It seems like they don't know what they are doing, and now I only have a month left before I'm supposed to start paying {$650.00} per month, which we can't afford. Please help me. Thank you, XXXX
Product: Student loan

In XX/XX/XXXX, I spoke to my loan servicer ( EdFinancial ), via phone, regarding loan consolidation and bankruptcy status as my repayment date was set for XX/XX/XXXX. I was told that even if I consolidated my loans, I had 2 years of " protected time '' or grace period after bankruptcy. On Saturday, XX/XX/XXXX, I received a notification that I owed {$980.00} that same day! I sent a message asking why that would be. On Monday morning my account status changed to say I owed {$1200.00} on XX/XX/XXXX. There was no mention of why this would be and no mention of why the repayment date on studentaid.gov still said XX/XX/XXXX. I called and was told they would get back to me with a reason. Today, XX/XX/XXXX, I was told that it was because I lost my bankruptcy grace period when I consolidated my loans. Also, I was later told that it was because I took out loans while in bankruptcy ( which is inaccurate ). However, none of this was stated to me in my initial conversation with EdFinancial in which I was actually told the opposite - that the grace period after bankruptcy was " protected time '' regardless of consolidation ( no mention of anything else at that time ). I completely understand that I have to pay back my student loans. The studentaid.gov site still lists my repayment date as XX/XX/XXXX. I am concerned that my payment date changed without the lender being able to give a reason. I'm also concerned that the original payment due was {$980.00}, then a few days later changed to {$1200.00} then a few days after that changed to {$500.00}. If I am entitled to a grace period, I want to have it. If I am not entitled to a grace period, I want to know why and if it was because I consolidated my loans, I would like to find out how I could have known that and how I ( and others ) could have avoided giving up important " protected time '' without knowing I was doing so. I would also like to know why the payment amount was changed three times in one week and confirmation that the payment due is the correct amount and will not change again without reason.