23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!
Product: Credit reporting or other personal consumer reports

Ive recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( Experian XX/XX/year>, XX/XX/year>, transuion XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

On XX/XX/, I was notified by Chase Credit Journey with the a message stating card over limit. I logged into my Chase account and reviewed the message, which includes current balance, account number, and credit limit. I didnt recognize the charges plus I dont have any credit cards with the limit stated. To confirm, I reviewed my account versus my credit card number, which didnt match. I immediately called Chase and reported fraudulent activity. After calling Chase, I called Chase Credit Journey and reported fraudulent activity. I was transferred to XXXX XXXX and fraud department who shared that account was opened and I was selected as an authorized user. I confirmed that I have not shared my social security number nor have I authorized anyone to open credit of any kind. After the call, I changed all my passwords on my financial apps, put a credit freeze and added alerts through XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

This company is reporting an address that I dont live at. Ive ask to have it removed but they refuse to remove it. According to your law its my right to dispute any I inaccuracy on my report and have it removed as a consumer protection. Law 15usc1681e ( b ) ( a ). This company is violating the law and my right as a consumer. I have also come to find its been multiple complaints as well as law suits filed against this this company for the same reason.
Product: Payday loan, title loan, or personal loan

On or around XXXX of XXXX, I was contacted on line by a representative of Ygrene. They told me I could make badly needed improvements to my home, and have the cost of the improvements paid over time through my property taxes. The connected me with one of their contractors who gave me a quote. 

Ygrene stated they would pay the contractors {$6800.00} and i would then have a lien on my property for that amount. They told me i could refinance at will without having to pay the lien as it would subordinate to any lender and, that i could also pay the lien off at any time without penalty. 

In XXXX of XXXX, i started a refinance and was told by my lender that the lienYgrene established would not be subordinated and that i had to pay it off. I asked for a payoff quote and was charged {$25.00}. on the payoff quote, i was told i was getting a 5 % prepayment penalty to pay off my lien and, more importantly, the payoff quote shows an original loan significantly higher than the contract amount, for a total of {$8000.00}. 

They refused to waive the prepayment penalty, refused to explain why my lien amount is higher than the signed contract amount so now i have to pay extra just to get out of this horrible situation.
Product: Credit card or prepaid card

I recently placed an order online at XXXX, using my American Express credit card, the item was successfully delivered to me albeit the item was damaged. I reached out to XXXX to try to return the item and explain to them that item was damaged and they told me that the damage had occurred during shipment, and that they were not at fault, I reached out to XXXX, a couple of more times, and they proceeded to close my account for violating their terms with too many returns, from from there, I initiated a dispute with my credit card via American Express for the dispute for this purchase the dispute was denied in favor of the merchant, stating that XXXX had done no wrong, I informed American Express that I had received the damaged item and that XXXX had close my account and without an open account there is virtually no way to get in touch with XXXX so now I am stuck with an item that is damaged, and no physical way to reach out to XXXX to further try to return the item anymore, I dispute a charge with American Express, and was denied so I proceeded to resubmit the dispute again, and it was the night again with the same results so I was told by a friend to reach out to you guys, attached are the emails from XXXX stating they closed my account and theres no way for me to go to my account to return the item
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX XXXX XXXXXXXX Dear WAKEFIELD & ASSOCIATES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX XXXX. 

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, has sent out a dispute letter to NationWide Recovery Service on XX/XX/2022 and they have failed to respond. I reached out to NationWide via call to confirm the letter has been received and it indeed was. I was told by a representative a letter will be sent out to me but I have not received a response from the company. I sent in a follow up letter on XX/XX/2022 regarding the matter and they have failed to respond to that one as well. If the collection agency ( Nationwide Recovery ) are attempting to collect a medical bill then my private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This is a violation of my HIPAA RIGHTS. The FCRA states that it's the Credit Bureau 's and creditor responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because of two accounts : name : XXXX/XXXX account number:XXXX date opened : XX/XX/XXXX Original creditor put that i was late in XX/XX/XXXX, but i always pay my bills on time, i was calling to original creditor, they accepted my dispute, but i see that late payment still showing there, i'm very stressed about this situation, because as you can see, i pay on time during 7 years. 


Second account is : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX During Covid-19 banks didn't work in proper way. I got problem with XXXX because they did mistakes with my payment. Affected by Natural or Declared Disaster ( e.g. COVID-19 ). 
I called to XXXX, they were agree with my dispute, but agent asked me to sent letters to all bureaus, i sent letters, but i see, that late payment, which were made in XX/XX/XXXX, still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within XXXX days. Supporting documents are attached.
Product: Debt collection

I got an alert from XXXX several months ago concerning a medical bill from Capio Partners for {$95.00} on a bill from a XXXX XXXX who I dont know at all. I contacted the hospitalin XXXX, LA and informed them of the error. They in turned verified that it was not me an they got it removed from my credit report after i called. Just XXXX weeks ago i received a call from Capio Partners inquiring about the same account. I told them there is no validation that the account is mine because Ive never been to that hospital nor do I know the guy in question. I have excellent credit and they have not done their research to see that its not me. I want to know the steps in filing a formal complaint because it is not fair practice. Please advise me of the steps i need to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I sent dispute letters to the credit bureaus in XX/XX/2021 requesting that the accounts showing for Merchants Credit Guide Company be validated and if it could not be validated that it be removed from my credit report. 

During their 30 day investigation time frame, I received two letters dated XX/XX/2021 from Merchants Credit Guide Company stating they were enclosing copies of the verification documents I requested and to contact them to make satisfactory arrangements. There were two additional documents appearing to be from XXXX XXXX XXXX XXXX which showed the DESCRIPTION as XXXX XXXX VISIT and appeared to be two bills. 

All four documents had different account numbers on them so it does not appear that any document included supports another. 

There were no contracts or signatures for the accused debts at all. A bill without a written signature does not validate the debts and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide Company has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.
Product: Credit card

I have tried to resolve this for months. I spend hours on the phone, mostly on hold to get to someone. I always have to ask for a supervisor to even get someone to understand what I am needing help with and that takes a very long time. I have uploaded many files that I will upload today in regards to this claim. This company is blowing me off and I think its because they closed my accounts and now no longer care about me since I am not a client. That isn't ethical. 
In XXXX of XXXX  I purchased something with emerson ecologics for {$130.00}. Those items never arrived. I disputed the charge multiple times and each time, Capital one closes the account and now are asking for payment on this account. I have texted and talked to XXXX XXXX on the phone multiple times, and each time they tell me they credited me back in XXXX in two amounts, that do not show up on the account and Capital one has confirmed they never received credit. This should be a cut and dry case. The emails from XXXX  show that I am due a refund but for some reason, their credits don't come through. I am beyond frustrated with this process and the lack of support by Capital one. I wait on hold hours and then they tell me, oh, just upload the supporting documents and all will be fine. NOTHING changes. its so impersonal and I don't have the time or patience to wait online as a XXXX person who struggles with day to day health issues. The original charge is on XX/XX/2023. The charge has been credited then recharged, four times during this dispute process. I am due a full refund! This is my XXXX  XXXX account. 


The second issue is that after this XXXX XXXX charge is credited, my balance should be at zero but for some odd reason, there is an outstanding 30 some dollars remaining. i have asked capital one to tell me where this charge/ balance originates as all charges should be credited but they never answer. this should not be a question that can't be anwered. It would take too long to send you screen shots of my entire account of charges and credits but capital one should be able to go through that and tell me where the outstanding charges occur that make up this balance they say I owe ( minus the XXXX XXXX ). I have been asking this for months and months!!
Product: Credit reporting or other personal consumer reports

Im trying to buy a house an I have a lot of hard inquiries from auto finance companies that I did not authorize.. could you please remove these inquiries. Thank you
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  {$53000.00}, XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX *violation patient privacy by discussing medical information in front of other patients *violating my rights under the no surprise act XXXX  *shared private health information to debt collector without hippa release form *starting since XX/XX/XXXX, I have been harassed by the collection agency with constant phone calls *debt collector information- Agency FIRSTPOINT COLL RESOURCES INC XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My pocket book was stolen at the XXXX XXXX and fell a sleep. When I notice my pocketbook was missing I call a Police Officer to take a stolen report. I report to the Direct Express and they issues another bank card and charges for second bank card. 
When the Direct Express bank card got here by XXXX mail delivery at XXXX XXXX XXXX, # XXXX, XXXX, Maryland. They Direct Express bank card was placed in a friend truck to keep me from loss this bank card on XXXX/XXXX/2016. I stay in the card until morning and I decided to check on my Direct Express bank account to see if the XXXX benefit check of {$890.00} was desposited. I got a shock of my life that I had a balance of ect. {$270.00} and so cent. I withdrawal the other $ XXXX {$40.00} and {$23.00}. In the began of this bank account was a XXXX and cent for the card send. Yet, I did n't authorized any funds coming out my bank account. This Direct Express bank account was to be closed, not have it posted/or attachment done on this bank card. There were3 unathorzed funds remove without my permission. It has been 20 days of no response on my funds and I experience some hardship on this transaction. XXXX I need some answer to the missing XXXX funds. Direct Express/XXXX XXXX # XXXX. I refund? How long does it take to get your refund back?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

After checking all of my credit reports, I noticed that there are some accounts that should have never been put onto ANY of my credit files. I never gave consent for XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to post my personal AND educational school history financial documents. That is a major violation of the Privacy Act of 1974, as well as, a major violation of 42 USC 408 - Penalties. 

My school loans should have never been posted to any credit file because I never gave consent and it's a major violation of THE SELECTIVE SERVICE. I REGISTERED WITH THE XXXX XXXX XXXX XXXXXX/XX/XXXX ; SELECTIVE SERVICE # XXXX. 

I have already contacted the SELECTIVE SERVICE and I was told that my school loans should have NEVER been attached to ANY credit file bearing my name and social security number. The SELECTIVE SERVICE representative made me aware that ANY school loan was DISCHARGED because of XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 

Federal School Loans are backed by the Full Faith and Credit of the United States of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  from XX/XX/XXXX to XX/XX/XXXX of last year, during this time, I was a victim of fraud, someone took my credentials open accounts everywhere and went into my Chase account, and XXXX them selves money from one account to the other, will both be in my name, but I was in jail, I have tried to deal with Chase for months now they start a total of almost {$27000.00} and I have only gotten back {$6400.00}, this investigation has escalated so much that no one knows whats going on and I need to get my money, they stalled {$27000.00} in Chase allowed in additional {$11000.00} of overdraft. 
Through investigation, I have now learned the name of the suspect is XXXX XXXX, he change my numbers address, emails everything they had to do with my account and created fraud, I keep dealing with Chase here in XXXX. No one knows whats going on so many people have gotten involved in this case that no one knows whats going on in time keeps going by, I need your help. 
I will attach my proof of XXXX  and police report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent credit card that I have disputed before and it came back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written five ( 5 ) letters to Bank of America to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Bank of America included several monthly statements, however, I have never received these statements in the past.