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

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. i have several different issues XXXX XXXX accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CBNA XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

In XXXX  I was arrested by and sent to XXXX. My belongings was mailed by BOP Administrators to my home address which I did NOT ever receive my belonging. Which include my wallet with my State ID, social security number, and my credit cards, car key and house key and cellphone. My information was being theft and my credit cards was being used by the thief, I also did NOT give my consent or written agreement or verbal agreement to any third parties interfering with this diet
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Debt collection

Theres a company on my credit report and then Lockhart and Morris. I have made a numerous complaints to the credit bureaus and they refuse to get this off of my credit. This name for this company is not something that Im familiar with as well as there has been other names that it has been put under over the last few years in order to extend the time on a credit report from when it is supposed to have been dropped off of the credit report, I do not have a direct affiliation with this company, and I wish for you to take action on my credit report for this is putting a strain on my day-to-day accomplishments as of XXXX apparently, I owe them over {$8000.00} according to them, but I have no recollection
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXX/XX/XXXXXXXX XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Student loan

Hi, I would like to complain about my loan service who denies my refund request before getting approval from XXXX. 
I'm a pell grant recipient and would be qualified for {$20000.00} debt relief. 
I requested the refund of about {$18000.00} that I paid off by refinanced with XXXX XXXX  during the pause on XX/XX/XXXX to my FEDLOAN Servicing. Six weeks went by, I have not seen any movements. I called FedLoan Servicing multiple times during that 6 weeks period. Each time, I would get a different answer. Some agents told me to call student aid ( XXXX ) to follow up, some told me to call treasury department to check status. I called both agencies, but got no answers, both redirected to back to my loan servicer. I feel like those people are passing the buck and dont know what they are doing. 
Today ( XX/XX/XXXX ), I called Fedloan servicing and escalated to a supervisor. I got connected to a supervisor. Her employee ID is XXXX. She informed me that the conversation was recorded. She asked me questions about the XXXX payments I made during the pause. Her first response was that the refinanced payment by would not be qualified for refund because it was made by third party. 
Then she went and read some guidelines about third party refund and said that Fedloan servicing would have to get permission from the refinanced company to take the payment back but refused my offer to merge the call with refinanced company. She stated it would not help anyway because for sure the XXXX will deny my request, and unable to refund either money to me or to XXXX XXXX. 
I cited the press release and FAQs from Student Borrower Protection Center and Student aid states that Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. from Studentaid.gov and Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan ( such as a student loan refinancing company ), from XXXX She said this is only apply to a certain types of payments such as made by me, my parents, whoever, but refinance bank is considered Third Parties. If it is the case, then my parents is not third party??? Because they are not me correct? 
I pointed out that a lot of people posted on reddit had received their refunds ( who refinanced as well ) She said she has no clue what I am talking about. She does not know what XXXX is. I asked for point of contact at XXXX, but she would not give it to me. She said all I can do is wait for denial letter from XXXX. 
Ultimately, does loan servicer has the authority to do this? 
Who would be the one who approve for my request? 
Can a loan servicer deny my request? Without submit it to XXXX for review? 
What is the next step? 
There is no transparent here in the whole process.
Product: Vehicle loan or lease

I was told i was behind $ XXXX after answering the phone because they were harrassing me non stop all day they call from from XXXX to XXXX XXXX  which is illegal especially since i am and have been actively paying it down and i just submitted a payment they are greedy and very annoying and Im about to get a different car i should not be getting harassed on a daily when i am making my payments leave me alone
Product: Credit reporting or other personal consumer reports

To whom it may concern : Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. This account is being reported incorrectly. This collection account is reporting a past due balance of {$1800.00}. According to the FCRA, I have the right to an accurate credit report. This debt collector also has not provided me with proper debt validation for this alleged debt. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Product: Checking or savings account

WELLS FARGO ON XX/XX/XXXX CLOSED MY BANK ACCOUNT FOR NO REASON BEEN WITH THEM SINCE XXXX HAS CAUSED MY LIFE TO BE I CHAOS WITH PAYING BILLS HAVE NO BANK TO RECIEVE MY SSA BENEFITS OR PAY MY BILLS ... ... ... .HAD A PERFECT BANK RECORD SINCE XXXX AND THEY CLOSED MY ACCOUNT AT XXXX XXXX XXXX
Product: Credit reporting

Contacted Transunion attempting to obtain free credit report. Never received free credit report, XXXX was charged 3 consecutive months. Never credited for one month of billing. Requested to unsubscribe. I was harassed with constant emails despite numerous request to unsubscribe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX alerted Hard Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) ; XXXX ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called Transunion and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. Transunion will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my XXXX XXXX could be better if I paid money to them.
Product: Credit reporting

Finally, received the corrected report from TransUnion dated XXXX/XXXX/16, file number XXXX, per the response from TransUnion, the authorized user accounts were supposedly removed. However, XXXX authorized user accounts exist still on the report that I am not contractually liable for- the following accounts should be removed : XXXX XXXX XXXX # XXXX authorized user- not liable for account. XXXX XXXX # XXXX authorized user- not liable for account. NXXXX # XXXX authorized user- not liable for account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Credit card or prepaid card

So on XXXX, I was approved for a Chase united card with a XXXX limit to it, I was financially stable and reliable to be able to withhold such card and my credit was intact to be able for lenders to trust me. So when I first received the card I took it slowly started using it for everyday gas purchases etc. Keep in mind it was around the holidays a time where items were cheap when I got approved so it was great timing. So my family all have work to do on their laptops and my brother is about to become a XXXX  in hs and they all need new laptops so for a gift I wanted to gift them some XXXX  like 2 XXXX  and with the card I received, I wanted to use that since I wan na build rapport with the company show how much more reliable I am. So knowing it was going to be a big purchase I called chase card services and let them know hey this is the purchases don't block the card but it ended up blocking it while in the XXXX  XXXX  I stood on the phone for more than 30 min trying to get it solved just to find out my account went under review for a fraud alert even though I verified everything was me and I was going to make a big purchase. My account went under review for 10 days so I couldn't use my card. Still wanting to get them a gift I did the same process called right before inserting my card this time to make sure it was ok and I got the go-ahead and my transaction was still blocked just to find out my card went under review again for the same thing. So at that point, I'm frustrated unable to use my card for another 10 days. After the 10 days is up I decided to go get some gas by this time I had already made the purchase for the XXXX  in cash and didn't get the cashback or rewards I would've gotten using the card and found out that they closed my account only finding out when my gas transaction got declined. I called and was told they closed the account and weren't able to tell me the reason and as well as canceled banking relations with me which is absurd because nothing wrong was done I didn't have the card for more than a month and with the closing affected my score drastically and brought my score down hurting me from even proceeding on with my life if I needed my credit for anything. I'm a reliable lendee always made my payments on time with my cards and as well as been banking with chase for 4 years and nothing was done wrong now I can't open a credit card account nor a regular checking they closed me from everything.
Product: Credit reporting or other personal consumer reports

Im trying to get all credit report inquiries off of my credit, because I have not applied to anything anything for years Please help me. Someones applying in my name for banks auto loans and event, XXXX
Product: Credit card or prepaid card

I contacted citi to change my credit card for one with no annual fee when I did that the manager I spoke to told me the annual fee would be reversed/refunded. I did not make a monthly payment as I owed $ XXXX and the refund was for {$100.00} for the annual fee. {$100.00} would cover my balance and leave some left over credit. I did not make a payment thinking that it would be covered as I was told by a manager. I called citi on XX/XX/20 and was told they would not be reversing the late fee ( caused by bank error ) nor would they be reversing the annual fee. The manager/ supervisor I spoke to made it seem like I was lying when I said a manager told me the annual fee would be reversed. If calls are recorded or noted Im sure it could be found that I was in fact told that. When I asked for a higher manager the representative told me they were only available during business hours ( although they answered my call meaning they are open? )
Product: Credit reporting or other personal consumer reports

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The accounts below have violated my rights. 
15 U.S.C. 1681 section 602 A. States I have rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Mortgage

My mortgage with SLS was paid in full on XX/XX/2021. 

According to their own policy, My Escrow account should have been refunded to me after 15 days. 

It has now been 20 days and my escrow account has not been returned. 

Due to gross mismanagement of my account and recent abuses I have suffered from SLS I have reason to believe my escrow account will not be returned.