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

I do not owe debt that's reporting to the credit bureau. I have no knowledge of this debt. 



XXXX XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$3000.00} XXXX XXXX XXXX  Account number XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} 15 U.S.C. 1681s-2 ( b ) The furnisher must investigate. if the investigation finds the information is inaccurate, it must be corrected or removed. Refrain from furnishing information they know is false.

15 U.S.C. 1681i Remove any unverifiable or inaccurate information
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Mortgage

We went into forebearance on our mortgage, starting in XXXX, due to COVID-19 XXXX. We were approved for forbearance through XXXX, and I called our loan servicing company, Dovenmuehle Mortgage, in XXXX to find out what our repayment options are. They stated that there are 3 options and one of them is a loan modification, which could allow for an interest rate adjustment. The representative said said she would start the paperwork and evaluate our loan. She said she would keep us posted and we could call them if we have questions. Last week we received a " delinquent '' notification that we were past due on our XXXX payment with a late fee. Not only were we not updated on the status of our mortgage or the XXXX due date, but we were misinformed on our repayment options. I was told we would have the option for a rate adjustment. But the representative I spoke with today said they don't offer rate adjustments. The company did not communicate accurate information nor did they keep us posted on our current loan status.
Product: Prepaid card

Way2gocard. for state of Arizona. Arizona gives this card and deposits unemployment benefits to this card.

I have been contacting this bank for months trying to transfer my money I have on way2gocard to my bank account. they request bank statements and documentation from me. they refuse to transfer the money because I provided a passport and bank statement. they claim they can not transfer the money because my passport does not have a address which matches the bank statement. passports do not have your address. 

customer support managers keep telling me to just use the card and go to ATM instead of transfer. this is inconvenient and fees will add up. i have close to XXXX dollars stuck on card and customer support is unhelpful with transfering money.
Product: Vehicle loan or lease

I am writing to you to formally register a comprehensive complaint regarding grave issues I have encountered with both U.S. Auto Sales and U.S. Auto Finance, entities operating under your jurisdiction. I believe it is crucial to bring to your attention the array of discrepancies and injustices surrounding my vehicle purchase and loan, specifically concerning the extended warranty, GAP coverage, and undue disruptions to my vehicle usage. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, entered into a vehicle purchase agreement with U.S. Auto Sales, a copy of which is attached for your reference. As a prudent consumer, I opted for an extended warranty and GAP coverage to ensure the security of my investment. These additional protections came at an extra cost, which I have diligently included in my car payments since the initiation of the agreement. 

However, shockingly, on XX/XX/XXXX, I received communication from XXXX, the provider of the extended warranty, stating that my extended warranty was never funded. This revelation carries significant implications, suggesting that I have been making payments for an extended warranty and GAP coverage that have not been honored in any capacity. 

To provide a comprehensive understanding of the severity of these matters, I have attached the following documents : Copy of the purchase agreement Records of payment made for the extended warranty and GAP coverage Communication from XXXX dated XX/XX/XXXX, confirming the lack of funding for my extended warranty These continuous issues have left me profoundly unsettled and disadvantaged, both financially and in terms of my ability to use the vehicle I rightfully own. I am seeking your immediate intervention to rectify these grievances and to ensure that U.S. Auto Sales and U.S. Auto Finance are held accountable for their actions. 

I am seeking the following actions to be taken : A thorough investigation into the practices of U.S. Auto Sales and U.S. Auto Finance regarding the sale of extended warranties, GAP coverage, and the unwarranted disruptions of customers ' vehicles. 
A prompt and comprehensive resolution that encompasses refunding the payments made for the unfunded extended warranty and GAP coverage.

Assurance that such practices are rectified to prevent future instances of mishandling customers ' rights and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX XXXXXXXX and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXX XXXX  XXXX XXXX updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.
Product: Debt collection

The company called me about a debt. I have called them back repeatedly, but they will not work with my situation. They have taken legal action against that they said they would withdraw, but they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect
Product: Debt collection

We sold our home at XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I personally took all of the XXXX equipment to the store located at XXXX XXXX, XXXX, XXXX XXXX, on XX/XX/XXXX to return and requested the account be closed. The account was in good standing at the time and I even paid the bill that came due on XX/XX/XXXX for {$240.00}. I received late payment notices from XXXX starting after XX/XX/XXXX stating I was past due for XX/XX/XXXX. I contacted XXXX a total of ( 5 ) Five times between XX/XX/XXXX and XX/XX/XXXX. Three time in person at the store ( including the original return of equipment date on XX/XX/XXXX and two times by phone ). During one of the two times by phone I received a " ticket '' number XXXX from the XXXX representative on the phone and was told the account would be updated and closed per my initial contact on XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail stating I was now past due for the months of XXXX and XXXX, XXXX. I went back to the XXXX store located at XXXX XXXX, XXXX, XXXX and informed the XXXX representative of the situation. He pulled the account up and informed he corrected it and showed it closed per XX/XX/XXXX. I left the store and received an email about 10 minutes later from XXXX showing where the account was closed, but dated XX/XX/XXXX and NOT XX/XX/XXXX. I returned to the store and spoke with the same representative, again, and he assured me he specifically put in the notes for the account to be closed XX/XX/XXXX. I now learned as of XX/XX/XXXX, that XXXX has turned me over collections. I am disputing this claim. I have documentation showing where the house was sold on XX/XX/XXXX and we moved into a new home the same day. This is absolutely ridiculous. I did everything required to close the account and still not resolved. 

I have also filed a complaint with the XXXX XXXX XXXX. I have attached a copy of the closing paperwork on our house located at the residence where service was provided relation to the bill and also a copy of one of the " XXXX ticket '' numbers I received during one of the 5 conversations with XXXX representatives. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.
Product: Money transfer, virtual currency, or money service

I had bank accounts with JPMorgan Chase since around XX/XX/XXXX, and Chase allowed fraudsters to link my checking and saving account to their XXXX accounts and charged my accounts total of {$4900.00} fraudulently. Chase is only willing to pay back {$1700.00} out of the {$4900.00}. Following are some facts : 1 ) My checking account number was XXXX and saving account was XXXX. 2 ) Fraudsters linked to my Chase checking account through XXXX since XX/XX/XXXX and charge {$3100.00} from my account until XX/XX/XXXX. 3 ) Fraudsters linked to my Chase saving account through XXXX since XX/XX/XXXX and charge {$1800.00} from my account until XX/XX/XXXX. 3 ) I found the frauds and notified Chase immediately on XX/XX/XXXX. 4 ) Chase never notified me by any means that my accounts were linked by XXXX and just silently let fraudsters to withdraw money from my accounts. 5 ) Chase didnt do the very basic verification of name matching when my accounts were linked to XXXX. 6 ) When I report frauds to Chase on XX/XX/XXXX. 8 charges of total amount of {$680.00} were in pending status. Chase didnt do anything after my report to stop these charges and just let them go through. 7 ) When I found the frauds, I was about to have an urgent trip oversea and explicitly asked Chase to put my accounts in limit mode so money cant be withdrawn, but do not close them so I can access statements online to help me to get my money back from XXXX. But Chase closed my accounts anyway during my trip without any notification and make it impossible to get statements other than visit their branch. This made my effort to get my money back more difficult. 8 ) Chase didnt do any extra protection to my saving account, which conflicts to what I was told when I open saving account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian this morning and talked to someone in the Fraud Department that obviously knows NOTHING about federal law. I informed them that I am well aware of my rights and that Experian had 4 days to block the information that I identified as Identity Theft. I was told that was not true. I submitted a CFPB complaint XX/XX/22 and was told that the following accounts were no longer listed on my consumer report HOWEVER that is a lie and they are still listed. I was told that the companies have certified to them that they were accurate. However, nobody can tell my story better than me and if I have stated I did not open the accounts and there is no evidence to prove otherwise the information needs to be removed and blocked from reporting. 
I am a litigious consumer and I have been dealing with this deformation of character so long that it has begun to affect me moving and putting my family in a different position in life. I have been denied two loans within the last week because it appears I have more debt than is actually valid. I WILL SUE FOR THESE DAMAGES. I have all the proof that your company has been violating the law and I am willing to go to court since the fees will end up being paid by your company. This is your finally opportunity to cure. 
Acct # XXXX {$8300.00} Acct # XXXX {$39000.00} Acct # XXXX {$5600.00} Acct # XXXX {$3500.00} Acct # XXXX {$6300.00}
Product: Mortgage

we had a mortgage with XXXX XXXX XXXX it was a baloon and was to be paid off in XXXX. XXXX recommended a refinance, and that new rez was who they recommend, we started the process. the two companies are connected, which we didnt realize. XX/XX/2021 our loan with new rez was conditionally approved. they said you have excellent credit and we figured everything was in the works.documents all signed and sent. since then everything has stalled. So many excuses.first our loan officer quit. covid. tech difficulties etc etc etc. they tell you dont apply for other loans it may affect your loan so we waited. we have a loan number and an account with new rez but still no information.we have called emailed and get no response. XXXX will not take any payments yet they send a bill every month with XXXX and new rez letterhead. new rez c/o XXXX XXXX XXXX now after months of not paying payments they reported it to credit angencies that we are late we have all the payments saved to pay, we want to pay our mortgage, but not anyone in either company is helping us or calling or emailing we feel like they are litterally trying to steal our home PLEASE help us with this stressfull costly situation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a discrepancy I have encountered between my credit reports from XXXX and Transuion. The issue pertains to certain items that were removed from my XXXX credit report following an investigation, while these same items remain on my Transunion credit report. Please See Attached. I initiated a dispute with both XXXX and Transunion to address the inaccuracies in my credit report. XXXX conducted an investigation and subsequently removed the items in question from my credit report. However, Transunion has not taken similar action, and the items remain on my credit report with them. I am concerned about the inconsistency in how these items are being handled by different credit reporting agencies. I kindly request the following actions Conduct an inquiry into the investigation and verification process used by Transunion for these specific items. I request transparency regarding how they verified the accuracy of this information and any communication they had with the reporting entities. Remove the disputed items from my credit report if they are unable to provide verifiable evidence of their accuracy. Ensure that Transunion follows the same investigation and resolution standards as Transunion to maintain consistency and fairness in the credit reporting process. I am committed to resolving this matter promptly and appreciate your assistance in rectifying this issue. I value the importance of accurate credit reporting, as it directly affects my financial well-being and opportunities.
Product: Credit card or prepaid card

My existing credit card account with BBVA bank was acquired by PNC bank. This took place several months ago. 

Since then, I have been unable to login to my PNC online banking to access and manage my account. I am unable to update my contact information and home address. I am unable to check the status of my bill. I have been unable to see activity on my account, including no ability to monitor for fraud. 

In just one day, I have spend 2+ hours on the phone with various XXXX and departments trying to resolve the issue, but I am always transferred to another department and the issue remains unresolved.
Product: Debt collection

Please be advised that I am writing this letter to enter a complaint to bring attention to Diversifed Consultant s unscrupulous business practice.

I have never been contacted by Diversified Consultants in any way shape or fonn by phone or by mail ever, most recently I noticed that they have added a collection to my credit file at XXXX.

I have had a previous agreement with XXXX  and have paid the balance in full.

I have disputed this with the credit agency, and have called diversified and spoke with a XXXX XXXXXXXX XXXX XXXX to infom1 them of this.

They are attempting to collect a debt that is already paid in full and have erroneously updated a negative report on my credit file.

Please investigate this matter and have this corrected. Thank you for your immediate attention.
Product: Vehicle loan or lease

In XXXX of XXXX, I decided to buy out my car lease. Chase was the bank the lease was through, and ALSO the bank taking over the purchase loan. I had called in repeatedly to get the paperwork so I could file the title/lien with XXXX. Each time, I was told that they were backed up and to expect it in 30 days, I'd give them an extra two weeks and call back for a status update until I eventually gave up. I decided, " well if I want to end up trading the car in, maybe a dealer will have better luck with Chase ''. It is now XX/XX/XXXX and I received a call from Chase asking me to take my paperwork to the DMV to get things filed. They sent me the paperwork in XXXX of XXXX ( several weeks ago )!!! Nearly two YEARS after I bought out the vehicle and have been making monthly, on-time payments that are MORE than what my lease payment was. Not only that, but it was in a standard XXXX  envelope that I didn't have to sign for, and I wasn't even staying at my home because I just had XXXX and was staying with family. This is so unprofessional, and if I am penalized by the state for untimely filing, I am going to lose my mind! In addition, it only contained the title and NOT the check that's needed for the sales tax! I called yesterday from a Chase branch in hopes that someone at the branch could just issue the check to XXXX, but no luck. I was connected to someone I could hardly understand and was told that she entered a ticket to have a check sent to me, but it will take some time... ARE YOU KIDDING?! It's been nearly TWO YEARS and I still have to wait?! This is completely mind-boggling. Chase 's website says it should take roughly 10 business days. This is laughable. I will NEVER work with Chase again. 

I've attached images of all of the paperwork showing dates from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX.
Product: Credit card or prepaid card

SPRING OAKS CAPITAL has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me, they are the product of identity theft. My name and last name are very common and this can lend itself to confusion. The accounts in question are as follows : XXXX ) XXXX XXXX- XXXX {$770.00} XX/XX/XXXX XXXX ) XXXX XXXX- XXXX {$830.00} XX/XX/XXXX XXXX ) XXXX XXXX- XXXX {$640.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$9700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX {$3400.00} XX/XX/XXXX
Product: Debt collection

XXXX XXXX received paper mail from XXXX XXXX for bill for {$2600.00} without details in my name. 

I assumed this was sent in error and disregarded. I have never had XXXX XXXX before or made any purchases or opened up any accounts with them XX/XX/2021 received mail from Debt collection agency " Receivables performance '' for collection of {$2600.00} in my name. 

Again disregarded as thought this was sent in error XX/XX/2021 received credit report update from XXXX mobile app that credit score had dropped about XXXX points and notice of a late payment with receivables performance for {$2600.00}. 

XX/XX/2021, called XXXX XXXX  to open fraud investigation and dispute. The representative stated he would escalate matter to higher management and there was concern that someone had opened up account for free phones worth {$2600.00}, and then closed account : appears to have been opened XX/XX/2021, and closed in XX/XX/2021. 

XX/XX/2021, awaiting reply from t mobile, reported fraud to credit agency XXXX
Product: Mortgage

I refinanced my home inXX/XX/XXXX with GMH Mortgage. I closed Wednesday, XX/XX/XXXX, with no problems and emailed my contact XXXX XXXX to let her know. She responded with helpful information about payment coupons and cash out checks.

On XX/XX/XXXX, I emailed XXXX to let her know that I received my property tax bill that was to be paid from my escrow account, and I emailed a scan of the bill. XXXX  acknowledged receipt of the property tax bill and said she forwarded it on to the servicing manager and the title company. I assumed it would be taken care of and didn't think of it again, until I received a delinquent tax notice in XX/XX/XXXX. I had to scramble with XXXX XXXX, the company my mortgage was sold to, to get the overdue tax bill paid.