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

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Debt collection

I've sent Chase a default and opportunity to cure which they have 10 days to respond after the receipt of delivery. Chase has not rebutted any of my affidavits that has been sent to them by mail via USPS certified mail. Chase has violated federal laws Truth in ending as well as Fair Debt Collection Act. 

Fact, Pursuant to 15 USC 1692a ( 6 ) states some who regularly collects debt. In my case the debt is alleged. Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; Chase stated and invoice me stating I owe a debt after using my credit card.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. Logos and language used throughout the content sent to me.

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1602 ( p ) unauthorized use of card. My social security card has been authorized for chase to use by me the consumer. What makes it an unauthorized use is because I'm not benefitting from the consumer credit transaction I authorized with Chase bank. Proof of unauthorized use is shown in exhibits and labeled.

I hold Chase criminally liable for their actions 15 USC 1611 ( 1 ). 

Please do not disregard this serious matter because further actions will be taken after the 10 days after Chase receives notice in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE COME TO REALIZE THAT EQUIFAX IS REPORTING THE INCORRECT SOCIAL SECURITY NUMBER ON MY CONSUMER REPORT!!!!!!! I OBTAINED A FULL CONSUMER REPOR FROM ANNUALCREDITREPORT.COM AND DID NOT RECOGNIZED ANY ADDRESS! THE LAST 4 OF THE SOCIAL THAT IT SHOWS IS XXXX! I SENT MY PROOF OF IDENTITY TO EQUIFAX AND THEY REFUSED TO DELETE EVERYTHING AS I DEMANDED. EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER! PER 15 USC 1681 ( A ) 3- CONSUMER REPORTING AGENCIES ASSUMED A ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMER. PER 15 USC 1681 ( A ) 4- THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMER 'S PRIVACY!! EQUIFAX IS VERY MUCH SO INVADING MY PRIVACY ESPECIALLY BECAUSE I DID NOT EVER PROVIDE EQUIFAX WRITTEN INSTRUCTIONS TO FURNISH ANYTHING ON MY REPORT ON MY BEHALF! THAT IS PER 15USC1681B ( A ) 2!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I submitted a Consumer complaint XX/XX/ in regards to an account that is reporting two separate times on my credit report with different information of each of the reports. I submitted documentation proving my points. 
The account in reference is the XXXX XXXX XXXX XXXX  XXXX for an amount of {$740.00}. 
Ive submitted my dissatisfaction multiple times and the hinderance that the inaccuracies that are being reported is affecting my ability to pursue futhur in life.
Product: Payday loan, title loan, or personal loan

I originally Borrowed {$1100.00} from XXXX XXXX XXXX since then I've made at least 5 payments With Only {$50.00} going towards Original debt I've been paying approximately {$300.00} every 2 weeks and still have an original debt of over {$900.00} I receive calls every week concerning my payment being made on time I have been paying it on time but the bill seems like it will take for ever to pay Off
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) XXXX general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

NCB Management was supposed to refund me via check on XX/XX/XXXX. I told them I did not have access to the bank account/debit card they had on file and yet they still refunded {$710.00} to the closed bank account/debit card, I was then told that they would send the refund via check when it was rejected from the bank. I contacted the bank, XXXX XXXX, and they provided documents showing the refund was never accepted or sent to them, NCB then told me they would contact the third party credit vendor to help find the funds and that I would get an update on XX/XX/XXXX. Today is XX/XX/XXXX and I was just told on the phone that there is no update and nobody knows where the money is. This is getting ridiculous that we are going on a months time and I havent received an update or a refund, especially since I told XXXX XXXX XXXX on the XXXX that I needed to be refunded via check.
Product: Credit reporting or other personal consumer reports

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.XXXX XXXX, XXXX XXXX ; Inquiry : XXXX XXXX Inquiry DateXX/XX/2022.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Checking or savings account

On XX/XX/year>, I received a statement in the mail for two savings accounts that had been fraudulently opened in my name through Marcus by Goldman Sachs. I immediately called Marcus on XX/XX/year>, to request the closure of those two accounts, and they were successfully closed without issue. 

However, on XX/XX/year>, I received seven additional letters from Marcus, reminding me to fund newly opened accounts, which I had never authorized. I called Marcus again on the same day to request the closure of these accounts, but this time, they refused to close them. Additionally, they declined to provide any information about how many total accounts had been opened in my name. 

Marcus representatives informed me that I would need to mail a letter requesting the account closures. In 2024, it is unreasonable to require a physical letter for such a critical matter, especially given the urgency of fraud. I believe these accounts should be closed immediately, and I should be provided full transparency regarding how many accounts were opened under my name.
Product: Vehicle loan or lease

I had to have my vehicle fixed at a local XXXX XXXX XXXX XXXX and they encouraged me to sign up for a loan. Once the work was completed on or around XX/XX/19 I had to bring the car back the next day and then it died a few days later. I informed the bank and the supervisors at XXXX. American First finance assured me the loan was voided and they returned my money. Now that I am no longer driving that vehicle its at a total loss. They are telling me the loan is not voided. I have contacted XXXX XXXX XXXX XXXX to ask that they return the part .I need help to resolve this issue and get all the recorded calls included. I have been dealing with phone calls between the 2 companies for more than 30 days.
Product: Student loan

My XXXX school loans were bought by Navient. Since that time they have done many things to mislead me and make it nearly impossible to pay off my loans. I had an Income-bsaed repayment plan. Twice in XXXX, I attempted to give them my updated information to increase my payments. They told me that they would not accept it until the next time my Income-based plan required it. They essentially would not allow me to increase my payments and recommended I just pay extra each month ( effectively eliminating the point of autopay ). I then tried to refinance my loans through XXXX because Navient was so terrible to me at every turn. XXXX paid them my full loan amount. Navient miscalculated " interest '' that I owed and took {$11000.00} of the pay off amount. This left me with a new loan with them for {$11000.00}. I received no notification of this. I then got a check in the mail for this amount with no explanation. Essentially, they are hoping that I do not realize what this check was for and cash it, leaving me with a new loan with Navient that they can continue to make money off me with. I did not sign any Master Promissory Note for this loan and never received any correspondence about this new loan. Navient is purposefully trying to mislead me and continue to make money off of interest. I have tried to not be their customer any longer, but it is nearly impossible to get out from under them.
Product: Mortgage

I modified my mortgage 6 years ago. After several failed attempts Bank of America decided to grant me the modification. We have gone through many hardships, I was excited about the approval and signed the paperwork, not knowing that a balloon payment of close to 300,00,00.00 was due even after all of the payments were done at the end of XXXX. The original balance was XXXX. So, they are receiving interest plus on the balloon payment plus what they are receiving monthly. That means the loan will be doubled, close to 1 million after its paid off!! Thats banking corruption! I thought its just the balance! How can banks get away with things like that? We are senior citizens!! Thats fraud! 
Bank of America is ripping people off! 
They need to dismiss that balloon payment!
Product: Credit card or prepaid card

In XXXX of 2019. I made a payment on my normal payment date, XX/XX/XXXX which was my normal payment date. After making the payment on XX/XX/2019, Capital One reported a late payment which damaged my credit score, putting me in a financial bind. At the current time i was searching for a mortgage. Due to the late payment I was considered high risk and was denied. I called capital one and told them that they reported inaccurate late payment on my credit report. They then told me they have no record of the late payment. It is now a year later and nothing has changed. Now I'm reaching out to who ever it may concern to get capital one to remove the false information they reported. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX  and XXXX  has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus
Product: Bank account or service

I have a checking account at US Bank. 
At about XXXX. on XXXX XXXX, 2016 at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX location ), I asked for a money order for {$120.00} at the bank drive thru. I received the money order. I received an official receipt showing the account 's balance at {$300.00}. 

On the same day at about XXXX., I went to the grocery store and purchased {$13.00} worth of groceries.I swiped my US Bank account card, a debit card, about 4 times and each time it showed the transaction was not completed. So, I said, let me go to the US Bank branch located next to the grocery store at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX XXXX location ) to see What 's goining on with my account. 

I was told at the XXXX XXXX location I had a negative balance of {$170.00} or {$170.00} because I had written a check for {$480.00} on my account. I stated that I did not have checks or write checks unless I came into the bank and requested over the counter blank checks and that I had not requested over the counter blank checks for about 1 year. 

After some investigation and questioning of me, the bank teller and assistant manager at the XXXX XXXX location solved the problem. They discovered that the bank teller at the XXXX XXXX location had cashed the person 's check behind me in the bank drive thru line on my account. 

The error denied me access to funds in my account. The error caused me great mental distress, harm, and trouble. Suppose I had went to a restaurant and ordered and consumed food, and I then had given the waiter my debit card to pay for my meal? Which I have done before. Or suppose I had filled my vehicle with gas and then went in to pay for the gas? Which I rountinely do. Or suppose I had went to XXXX, XXXX miles away, and purchased gas at tlhe gas station XXXX miles from town? Which I have done. All of those things I have done before with confidence that the balance in my debit card was accessible immediately for use. 

The error immediately caused me extreme mental distress not only for the denial of immediate funds with which to purchase food but for funds needed for future use to make medical appointments which I had the following day. Initially was told I would have to wait until the following day with would have destroyed my ability to make my medical appointments. But after further investigation by the manager and bank teller and a call to the XXXX XXXX location, the error was corrected on the spot and I returned to the grocery stor and completed my purchases. I was also able to purchase vehicle gas. 

I mailed a letter addressed to : US Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX, 2016. I asked for an explanation of how such an error could occur. Now I ask for any compensation owed to me as a result of the error and the harm and XXXX caused Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

my personal information is being associated with negative items. The specific items are the following Credence Resource Management act. # XXXX {$440.00} ( XXXX  ) XXXX XXXX XXXXXXXX XXXX # XXXX {$270.00} ( XXXX ) XXXX XXXX # XXXX {$310.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX {$850.00} ( XXXX ) I have i

ncluded the Collection office, account number, amount in question, original merchant name. These four items belong to an address with which I am not associated to. Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I sent the money on XX/XX/year>, but noticed that on the receipt that name of the recipient was incorrect. I called Ria Remittance and told them the incorrect name and was told that they can not correct it anymore since transaction was done at the store of their branch. The customer said that it will be refunded to my account since name was incorrect. Been calling them every day but the same problem. Then they asked for my recipient bank statement which was provided to them XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX as well showing that there was no remittance received by the bank until XX/XX/XXXX. Then they " claimed '' on XX/XX/XXXX ( after more than a month ) that the money was deposited and provided details but not the bank deposit itself showing the information exactly as the bank statement provided to them which we never did only because we only provided to them account number XXXX under XXXX XXXX XXXX XXXX ( correct spelling should be XXXX as per receipt ). 

I have requested real bank deposit or certification so my granddaughter can make the proper representation and verify the correctness of the information provided by Ria counterpart. 

The money that i sent is an urgent need to help my granddaughter to renew her status in XXXXXXXX XXXX XXXX but it defied our purposes as money was not received on time and we have to borrow money from my brother so we can help her. My Brother was able to send the money on XX/XX/XXXX using another remittance center using a different bank account and in minutes only with all the correct information and remittance was received accordingly I need my money to be refunded so i can pay my brother on the loan that we have made to be able to help my granddaughter. 

It's been dragging already as until now the money that Ria claimed deposited was not received at all and i need my money back. Please help urgently. Thank you so much. 

I have all the documents regarding this that i can be able to send to you.

Warmest regards- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

There are charges I know nothing of or was aware of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX Re-Investigating Charge Off XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2014 Status Account charged off. {$14.00}, XXXX written off. {$8600.00} past due as of XXXX XXXXThe credit limit was {$15000.00}. XXXX XXXX XXXX XXXX Reported inaccurate balance This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a Charge Off is seven years from the date of the delinquency leading to the Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. XXXX. XXXX XXXX XXXX XXXX Reported Charges Off and inaccurate of debt owed which is frauds Please submitted Original copy of credit card contract with wet signature. 
Payment History Credit card statement verified accurate credit limit. 
Within 15 days of this re-investigation to Transunion and Consumer.