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

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX.
Product: Consumer Loan

I had a car loan loan with Fifth Third Bank ( XXXX, OH ) which was just court-ordered to pay XXXX dollars to their XXXX and XXXX clients to settle a class-action lawsuit. This bank was charging higher interest rates to these racial groups which I am a part of ( XXXX ). I had a loan during the timeframe these acts were perpetrated ( Starting XX/XX/XXXX ). I ended up having to refinance my loan with a different Bank ( XXXX ) XX/XX/XXXX.
Product: Debt collection

Wells Fargo Dealer Services is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. Wells Fargo Dealer Services is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. Wells Fargo is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. 

These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX/XXXX   XXXX  XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX   XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Product: Student loan

Company closed an unresolved complaint and marked it as duplicate which is not true. This is the seventh unresolved complaint since XX/XX/year> that the company closed by marking it as a duplicate. It is my belief the company is attempting to get around answering the complaints by marketing them as duplicate with no proof of duplication. 

The following complaints were closed as duplicate by MOHELA without providing responses : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 

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: Checking or savings account

I was supposed to receive a {$900.00} bonus from Chase for opening checking and savings accounts using a coupon code and completing certain activities. I followed all of Chase 's instructions and completed the activities, but did not receive any bonus. 

I contacted Chase, and they are claiming the coupon code was never attached to my account. This is not true. I opened the accounts by clicking the link in the email they sent me with the coupon code. The email from Chase clearly states 'Coupon code applied when you click Open both accounts ', which is what I did. Looking at comments online such as this one [ 1 ], I'm not the only person who Chase has told this to. I suspect their website has a technical glitch preventing the coupons from being attached to new accounts, but this is no excuse for not honoring their advertised promotion. It seems like Chase is trying to avoid paying the bonuses they owe new customers. 

Attached, please find PDFs containing : - the email from Chase, dated XX/XX/2023, with the coupon and links I used to open the accounts that same day - bank statements from Chase proving I completed the qualifying activities to receive the {$900.00} bonus as stated in the previous email - my correspondence with Chase prior to filing this complaint [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email from moneygramheadoffice, ift was emailed to me today XX/XX/XXXX @ XXXX. Since I was a former XXXX XXXX agent and was trained to look out for these types of scams, I did not send any money or replied to the scammer. However, I wish to inform everyone to either look out for these scams and to be able to get the scammer caught and tried for their actions. Here is the email that was sent to me, I hope this is helpful. 

Dear valued customer, We have sent the XXXX out of your total compensation sum of {$2.00} XXXX USD from money gram head office in USA. All we need from you now is just list information such as your 1, Your Name -- -- -- -- 2, Your Country -- -- -- -- 3, Your Phone Number -- -- -- 4, Your occupation -- -- -- -- 5, your home address -- -- - Here is the reference number of your first payment, Sender First Name : ... ... .XXXX Sender Second Name ; ..XXXX Reference : XXXX ... ... ... ... # XXXX Amount Sent : ... ... ... .. {$5000.00} You can verify the reference number in any money gram office near you or by tracking it on our website with this link, ( XXXX XXXX XXXX XXXX ). Just fill the reference number but you can't pick it up What you are requested now is AUTHORIZATION RELEASE PERMIT, which is going to cost you $ XXXXUSD ( only ) please be aware that this is the only charges/fees, as soon as this is done, your funds will be release to you in less than 45 Mins through money Gram The status now shows Available for pick up by receiver because this amount has been on the system for security reasons, since I did not get any reply message from you after sending you several notices with the transaction details to enable you pick up your Reference number Now, you are strongly advised for the last time to go on today
Product: Credit reporting or other personal consumer reports

I noticed on my credit report I have a high number of inquiries. I never authorized these inquiries. I contacted Transunion immediately, they said they had to do an investigation and that it may take 30 days. I am past 45 days and still haven't heard anything or received any proof. I ask that the following inquiries below be removed. 

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: Credit card or prepaid card

On XX/XX/2019 I received a notice from JPM Chase Bank dated XX/XX/2019 in regard to my Chase XXXX Credit Card Account. In the letter, Chase notified me that due to a recent review of my XXXX  credit report, they have opted to reduce my credit line by approximately 40 %. This change put me in a position in which my card is maxed out compared to my balance and reduced my overall available revolving credit amount, causing further damage to my credit history and score. 

I have always paid my card on time and Chase has increased my credit line twice in the past. I was shocked to receive this notice and even more surprised that Chase was completely unwilling to compromise. 

A credit card company 's solution for less than optimal credit should not be to cause further harm to a consumer 's credit history. If Chase was genuinely concerned about my XXXX XXXX, they wouldn't contribute to lowering my score. I believe this practice needs to stop and I am evoking assistance from the CFPB to assist in this unfair and predatory practice.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXX Opened XXXX XXXX, XXXX OF XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/year> XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX.
Product: Student loan

On XX/XX/XXXX, I went back to college to finish my degree. At that time, Navient was contacted with the information that I am enrolled as a XXXX XXXX XXXX with XXXX XXXX XXXX. My loans ( a total of 4 ) where then put into deferment with an end date of XX/XX/XXXX. InXX/XX/XXXX Navient sent correspondence to the cosigner on one of my loans about a payment due. I then called Navient and spoke with them about the loan being in deferment as I have gone back to school. There was no contact or correspondence received by them untilXX/XX/XXXX, when they started calling and sending my cosigner payment reminders again. I then called Navient again to speak to them about this correspondence and the deferment, and to let them know that my cosigner ( who is my grandmother ) XXXX XXXX on XX/XX/XXXX and to not contact her anymore. I was told at that time, that the loan in question is a private student loan and has an interest only payment due and that a 100 % deferment is not an option as it is a private student loan. Navient never explained to me that this loan was not 100 % deferred, nor that it would have an interest only payment due while I went back to school. It appears to me that Navients business practices are deceptive and underhanded. I was never informed an interest only payment when I spoke with them back in XXXX, but was told all loans are in deferment. Then onXX/XX/XXXX, my grandfather received a call from a XXXX XXXX XXXX, identifying themselves as a collection agency and that they are trying to collect on a student loan that my XXXX grandmother ( cosigner ) cosigned on. My grandfather explained that the debtor is XXXX and to not call again. XXXX XXXX XXXX XXXX advised him that they would put a claim in with the estate for the debt to be paid. My grandfather explained at that time that there is no estate. OnXX/XX/XXXX, two letters were received in the mail from XXXX XXXX XXXX asking for the representative, executor or attorney who is handling the XXXX estate. 

One letter is for the collection of the private student loan that Navient states interest only payments are due while I 'm in school, and the other is for another student loan that is in deferment until XX/XX/XXXX. I see a couple of unethical issues with Navients business practices. 

1. As the primary account holder on these loans, I have not received any correspondence from Navient indicating that my accounts that are in deferment where going to collections? 
2. Why is Navient sending in school deferment loans to collections?

3. Harrasing a XXXX spouse after being told there is no estate and being sent a copy of the XXXX  XXXX. 
4. I am a single mother and have repeatedly have tried to with Navient on repayment plans and in school deferments. Navient has received my monthly income and debts, and has acknowledged that I am negative after my daily living expenses and debts are paid.
Product: Vehicle loan or lease

Since I submitted my most recent inquiry via fifsg.com site I do not have a copy of my inquiry but to get started I was asking them about my XX/XX/XXXX payment. 

They replied : Thank you for contacting customer service. Per our records we show that your last payment was received on XX/XX/XXXX and processed on XX/XX/XXXX. We gave you the credit for the date we received it as opposed to when it was processed. 

Notice how they make it sound like they've done me a favor by posting my payment on XX/XX/XXXX? But it's still incorrect. Here 's my response to them You completely missed my point. 
By law you have to give me credit the day that my payment is received and that payment was delivered to you on XX/XX/XXXX therefore you owe me 4 days interest. This is only the beginning ... 

You guys also messed up on my XXXX payment that check was dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX and you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest. 

XX/XX/XXXX payment the check was dated XX/XX/XXXX it was delivered to you On XX/XX/XXXX yet you guys didnt post it effective until XX/XX/XXXX therefore you owe me 4 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX and it was delivered XX/XX/XXXX yet you didnt post it effective until XX/XX/XXXX therefore you owe me 2 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX he did not post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 1 day interest I sent a principle only payment of {$1500.00} that check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX however you did not post it effective until XX/XX/XXXX therefore you owe me 2 interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX however you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you did not post it effective until XX/XX/XXXX therefore you owe me 2 days interest. 

So stop being a smart XXXX and figure out what youre gon na do about the money you owe me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$0.00} XXXXBalance {$1000.00} XXXXBalance {$160.00} XXXXBalance {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to Transunion. I have been actively disputing this with the credit Bureaus for months now. Upon talking to TransUnion on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the TransUnion representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Medical Data Systems XXXX According to section 15 U.S. Code 1692g ( Validation of debts ). 

XXXX. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
XXXX. XXXX asking to see has there been any insurance claim filed on this debt. 
XXXX. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, XXXX requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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

On XX/XX/2020 I went to a dealership with an auto loan check from XXXX  XXXX. Once I got to the dealership they ran my credit when they were not give consent and I received multiple unauthorized inquiries for companies I never applied to. I called multiple times and always been told its nothing that they can do to help me out when I know thats incorrect. 

XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 I also have 2 XXXX  XXXX XXXX inquires on my report and 2 XXXX XXXX inquires on my report so thats 6 total inquires on my report that should be removed I received double inquires for one credit card. Please contact the credit bureaus and have them removed the unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Vehicle loan or lease

I am writing to express my dissatisfaction with the handling of my recent payoff transaction. On XX/XX/year>, I sent a payoff check via USPS First Class Mail to the designated address for payoff checks. The USPS First Class Mail Service Standards indicate that the payment should arrive within XXXX calendar days ( XX/XX/year> ) when mailed from the XXXX Zip Code. XXXX However, the payment was not posted until XX/XX/year>, which resulted in additional interest accrual. 
Certain regulations require financial institutions to credit payments on the day of receipt. Specifically, the Consumer Financial Protection Act ( 1026.10 ( a ) ) mandates that payments received by mail should be effective on the date of receipt. 
Additionally, the CFPA prohibits Unfair, Deceptive, or Abusive Acts or Practices. A reasonable consumer would expect creditors to maintain practices sufficient to receive consumer payments and document the date of initial receipt from the USPS. 
As such, I kindly request that you provide evidence confirming the actual date of payment receipt. 
Due to the delay in processing, I incurred additional interest charges from XX/XX/year>, until the payoff date. This delay has caused financial harm, and I expect TD Auto Finance to rectify this situation promptly.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, EMVLP II LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXXXXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting or other personal consumer reports

Someone got ahold of my wallet and I lost everything in it. 

I am wanting these inquiries deleted because I did not authorize these companies to run my credit. That is fraudulent.