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

I have contacted this company many many times, I just turned XXXX in XXXX of XXXX  which makes this debt one illegal and 2 I have no clue about it I asked for the debt validation letter and they sent me some other dudes debt letter they have ignored the request and I am about to file against them if this matter isnt resolved, there also falsely reporting on my credit changing the balance back and fourth to hurt my credit even more, I have offered to pay the {$9.00} they claim I owe but wont take anything but a money order and I have no way of getting a money order to them. They also keep calling me XXXX I have no clue who that is and also sent me someone elses credit information. This is absolutely illegal and disgusting to do to a XXXX XXXX XXXX. this is gon na have to be the 3rd agency Im gon na have to file against over {$9.00} dollars. THATS literally insane and I literally just turned XXXX  how would I have debt from 2 years ago? Not possible. All they send me is payment history and loan agreement past that they refuse to even provide documentation.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention inaccuracies and unauthorized/unverified information present in my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, to request that you investigate and correct these issues promptly. 

Details of Dispute : Inaccurate Information : Misspelling of my name. And Unauthorize Inquiries Misspelling of My Name : XXXX XXXX, XXXX XXXX, Unauthorized/Unverified Items : XXXX XXXX XXXX XXXX XX/XX/, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX  According to the FCRA, you are required to conduct a reasonable investigation into the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}
Product: Mortgage

Please see complaint XXXX. Chase ' response regarding the payment date of Escrow is completely made up. They claim to have paid property taxes on XX/XX/XXXX, the attached escrow statement shows they were paid on XX/XX/XXXX. I have also confirmed with XXXX XXXX that as of the morning of XX/XX/XXXX, taxes were unpaid. Chase did this on the same day as the payoff, despite being in receipt of payoff funds. They caused the entire shortage themselves and have now created hours of work for me trying to ensure I'm not paying per diem interest over their error. I still don't have my refund. It is now somewhere between Chase and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and unauthorized use of credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed a bankruptcy showing up on my report in 2013. Since I have opened many accounts with a 100 % on time payments. I have taken advice from credit report companies and score goes down a lot. My score stays between XXXX XXXX approximately. Over the last eight years I have paid and continue to pay tens of thousands in interest. My report doesn't even come close to accurately describe my responsibility to make payments on time. I have been told bankruptcy should be removed after seven years and one of the reporting agencies ( XXXX  ) removed it and my score went way down. Equifax, XXXX  do not remove even when I dispute it and request they remove. I am a lower income senior who needs help. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had perfect credit with only on account with a 30 day late ever and I went to check my score with XXXX and I think my vindictive ex-wife XXXX that I had removed from my report, reported me as deceased because I had her removed as my wife from my report. I looked into it and in order to legally inform creditors of a person being deceased they must send in a certified copy of my death certificate and since I am alive that would be impossible. I am requesting that it be immediately corrected by my creditors or I will sue under the fair credit reporting act. I understand that evil people can do these things but the safeguards of the Act must be complied with to protect consumers so they are not burdened by these measures. Since of course a creditor would not do this deliberately without an adversarial person making the illegal disclosure, I am willing to waive my claim against them as long as my credit score is returned to where it was before the false reporting of my death. 

/s/XXXX  XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I received a call from XXXX XXXX XXXX and the phone number was XXXX XXXX XXXX XXXX. A female individual stated I have a debt of roughly {$600.00} to pay for a creditor called Check N Go and to prevent potential legal action she asked if I wanted to take care of this. I told them I do not recognize this debt, asked for validation of debt and that an individual from XXXX, XXXX XXXX XXXX tried to collect on this debt back in XX/XX/2021 and was threatening to sue me. The lady from XXXX told me that that was a different firm and they probably passed my debt onto their company because my debt was deemed " uncollectable ''. So I proceeded to ask this lady for proof and validation of this debt. I also asked for a letter from them because I have no idea who they are and what this debt is for. The individual took my email down and stated she would be sending me documentation through email. 

The only documentation this company has sent me is what appears to be a demand letter with reference number XXXX. I have not been provided any validation of debt. There is no proof this debt even exists and they have told me that potential legal action could take place. 

This debt has gone from XXXX, XXXX XXXX XXXX XXXX https : //jacobrossassociates.com/ XXXX ) to where I was potentially being served an MSJ for roughly {$2000.00} to now being told there's potential legal action from XXXX XXXX XXXX for roughly {$600.00} on a debt I don't even recognize. These are potential violations of the FDCPA and the fact none of them can provide me validation of debt is beyond concerning. 

I will potentially be speaking to attorneys in regards to this matter because this appears to be unfair and deceptive abuse.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX I was looking at my credit report today and I notice this company on there reporting this debt can you please verify this information I am not sure what this is exactly and some of the details are not matching up I have no knowledge of opening and account on XX/XX/23. If you cant verify this account please delete this inaccurate account from my credit report.
Product: Student loan

Back in XXXX I got two small loans. Both were subsidized and together equaled about $ XXXX. My loan was with a certain lender and in XXXX Mohela bought the loan. Ive been out of school since XXXX and have made every payment possible. Since the beginning I registered for automatic withdrawal from my bank account. I have Never missed a payment. I am in shock that even after 10 years that loan has not been payed off. I still owe about $ XXXX! These lenders take just enough to keep this loan active as long as possible and get as much interest as possible. There is no reason why so little is withdrawn from my account and therefore extending the length of the loans.
Product: Money transfer, virtual currency, or money service

On more than one occasion, money transferred to me, disappeared from my Cash app account, and when I reached out to the company and tried to communicate with them, I was unable to reach a live person and had to use chat and was unable to receive the monies that were missing Both times.
Product: Money transfer, virtual currency, or money service

Requested a wire transfer on XX/XX/2020 from my Gemini account with a value of XXXX $ into my XX/XX/XXXX XXXX XX/XX/XXXX account. I received a message from Gemini stating the wire was completed and the XXXX $ were no longer in my Gemini account. Money has never been received in my XXXX XX/XX/XXXXaccount. Gemini has not provided a Federal reference number for the wire transfer therefore XXXX is unable to track it. Also Gemini does not have a support where I can talk to a person, it is all over email and it takes days to receive support from Gemini.
Product: Debt collection

This amount of XXXX was sent over to collection & honestly Im not sure what this bill could be for..Ive never received anything from thia company let along the collection agency..I found this on my credit report so thats why Im reaching out to better understand what this is for
Product: Credit reporting or other personal consumer reports

Once more, I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new complaint to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Mortgage

Was given a predatory loan by a predatory lender who gave me more than I asked for. I am a senior citizen that attempted to take a small {$25000.00} loan for a new roof. The bank told me to take {$50000.00} as a minimum loan and that it was a no income check. I paid my regular mortgage and this XXXX until the financial crash in XXXX. Then had XXXX and XXXX XXXX in XXXX and XXXX. XXXX recovered, I modified and am current on my first mortgage. This second mortgage is serviced by Ocwen fined XXXX XXXX by NYS for not offering customer assistance to homeowners and to aid them. Their phones rang to nowhere, when people could be reached and made offers others did not have record or honor on XXXX occasion. Mostly it was holding on the phone and being transferred to others who offered no assistance. It kept me in continual distress and hardship creditwise unable to get low interest credit if needed etc. I am current on my larger first mortgage but this loan is in default and I went into negotiation through the courts. The lawfirm did not assist and made me come to many, many meetings and finally submitted a large legal bill thinking it was hourly billing. The judge explained its a fixed fee when they enter court mediation and the lawfirm walked off for years and never assisted after that. A new law firm came in after the statute of limiations had passed and began litigation and is trying to take my home on a 2nd mortgage by quadrupling the amount I requested and doubliing the amount I took, and it was because of them the interest compounded over years not me! 

They never offered the assistance they were fined for by NYS as 2nd mortgage companies were encouraged to do. They are predatory and I am a XXXX who face XXXX hardships, the financial crash and XXXX illnesses. Please investigate Ocwen practices and have them reduce the doubling of my loan so that I can finally have relief from this predatory company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recent credit report ( paid for by me ) rec 'd from Transunion on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES XXXX are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Navy Federal and its employee 's have started denying My documents when I walk in for a signature Guarantee. I have alway gotten the same documents guarantee for years. Only now Navy Federal and its employee 's have started turning me away with no disclosure or adverse notice. I HAVE NO INFORMATION AS TO WHY THEY ARE DENYING ME. Per Federal Register it is illegal what Navy federal is doing. Per section " Liability for unreasonable Rejection of Signature Guarantee '' as well as stated in Trust examination Manual per FDIC. 

THIS IS DISCRIMINATION!!!!!
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting information on my report that I did not consent to or authorize, and that is in violation of my right to privacy. I did not provide my written consent for them to list the hard inquiry from XXXX, Employment Data listed as XXXX XXXX, and the telephone numbers listed as XXXX and XXXX XXXX XXXX. Therefore, them obtaining this information and putting it on my consumer report is unethical and against the law. 

I contacted them on XX/XX/21 via chat on their webpage as their website was down and I couldn't reach a representative when calling. The representative stated that I would have to provide in writing my request to remove the inquiries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to respond to two of my dispute letters that were sent on XXXX and XXXX. Under the FCRA, if a credit bureau or a company that fails to provide verifiable information or the original consumer contract to the account ( s ) they are reporting, those account ( s ) must be deleted from a consumer 's credit report immediately. In addition to that, if a credit bureau is unable to verify information or response to a disputed item within 30 days, they must delete those disputed items immediately off of a consumer 's report.
Product: Credit reporting

I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There are XXXX tax liens and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had any tax liens against me. I contacted the courts directly and was told that they do not report to credit bureaus and that I would have to deal directly with Experian, as the other credit bureaus blocked the fraudulent reporting. Upon contacting Experian, I was told that they verified the accounts and will continue to report them. How can they verify them with the courts, if the courts do not report to them or communicate with them? I do n't understand why Experian insists on reporting fraudulent information at my expense.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was scammed by XXXX XXXX. He/she told me that they will sell me their XXXX  account for {$100.00} through XXXX. Upon receiving the money, they never replied. I never received anything in return. They quit communicating with me, once they got the money. 

XXXX XXXX told me to write in the description of the transaction " selling account to XXXX  '' so if I was to scammed by him, I will show that as a proof. But upon calling XXXX, I was told by them to contact my bank as I used my bank account and routing number, which is the XXXX  XXXX XXXX. I use my bank account for most transactions to reduce the charging fees. Using debit/credit charges extra fees. I called my bank and they offered me temporary credit until they further investigated into this matter. But last week, I was told by my bank that they can't help me and they'll be taking back that money as they found out that I did authorize the transaction. I already did tell my bank before the investigation that I authorized the payment so I can get what I paid for by the seller. Which I never got anything in return and was scammed. Also, my bank told me they tried to contact jade menage 's bank and never got any feedback so they gave up on the investigation so it wasn't a successful one. 

Now a little about me, I'm a XXXX XXXX seeking XXXX  in XXXX  at XXXX, that recently XXXX  with an XXXX  with XXXX XXXX and XXXX  from XXXX, XXXX, also I'm an XXXX XXXX XXXX, as a civilian I'm XXXX  on opening XXXX XXXX soon as a XXXX XXXX XXXX. So, now you can see I'm a highly motivating individual that not only is ambitious but also likes to help the community by giving something back. I want to become a XXXX  and XXXX XXXX  XXXX XXXX. I also like working out and stay fit, can't wait to start XXXX XXXX XXXX once the COVID-19 is over. I joined XXXX XXXX XXXX last year at XXXX  years of age, making me the oldest person in my XXXX. I was also one of the people with the highest PT score in my XXXX  regardless of my age, I was competing with these XXXX year olds in anything competitive. 

Meanwhile, people like XXXX XXXX are making a living by scamming people and not working hard. Based on his bank account, he's from XXXX since I can see his payment was converted into XXXX dollars. He has not replied to any of messages once he scammed me. 

I want to walk the extra mile and solve this issue. I want to prove that doing the right thing shouldn't be a problem. I'm going to attach all the convo and transaction pictures to give you a visual as to what really happened. So you see both sides of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with XXXX-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the XXXX site last night, I could not log in, I went to US Bank, " no  information is available at this time ''. I am sick to my stomach as what has happened?
Product: Debt collection

I disputed this account with the debt collectors and they failed to respond.The previous complaint that they responded to they said they were not reporting on my credit but i have proof that they are reporting!
Product: Credit card

I have a credit card with XXXX XXXX that is administered by Citibank. My computer crashed that housed my password for my account. I tried resetting the password multiple times on the web page https : XXXX XXXX XXXX XXXX XXXXXXXX and every time it denies me the right to do so and tells me that for security reasons, I must call them at XXXX -- XXXX. I called and spoke with XXXX who muted me while she talked to someone else and when she returned she barely listened to anything I said. She ultimately told me that my phone number was not on my account and the call was discontinued. I called again and spoke with someone that sounded very muffled and I think he said his name was XXXX. Again, this rep barely listened to anything that I said. Told me to go to the web site and reset it there. I told him that I had already tried that multiple times and it told me to contact them. He was not sure what to do then so he had me try it again while I was on the phone with him, so I did and it errored again. So, he had me close the browser and try again. I did so and it denied me access to changing my password again with the same message. Then he had me clear my browsing history. I did so and tried it again and it did not work again. He did not believe that I did as he instructed me- which infuriated me because at that point I had been going back and forth with him for more than XXXX minutes only to be told that I am not doing as he advised. I just want access to my account so that I can manage it. Why is that so hard?
Product: Payday loan, title loan, or personal loan

The company best egg sent me the CONSUMER two illegal false advertising letters by mail. First I've never done any business with them so how can I be pre approved unless identity theft, fraud and privacy of the CONSUMER. So then I CONSUMER XXXX tried in good faith to dismiss the first violations and requested my personal line of credit for XXXX subsequently I was denied at this point I requested the mailing of this denial letter the representative lied repeatedly claiming I can't get physical copy at which a Supervisor named XXXX also had many deflective and deceitful words I asked him according to USC 18 section 8 to correct this issue now also reminding him of 15 USC 1681n XXXX refused to comply deflecting and denying but later acknowledged he was familiar with the law which was clear admission