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

XXXX XXXX and XXXX  XXXX reinserted a collection account on to my credit report from XXXX XXXX XXXX XXXX. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and equifax needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX XXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
Product: Checking or savings account

Yesterday, XX/XX/23 I decided to take advantage of Chase 's " Enjoy up to {$600.00} for new Checking and Savings customers promotion. It provided XXXX options get a code email to open an account at the branch OR open the account online and the promo would be applied. Since I don't normally do branch banking, I elected to open the account online. During the account online process, there were no fields to add a promo code since the ad stated the promo code would be applied when choosing the button provided to " Open Both Accounts '', which is the action I selected. That process failed. 

Only after the accounts were opened, I saw a brief message flash that the promo could not be applied. I called Customer Service at XXXX and first spoke to XXXX who said she could not see that the promo was applied and could not do anything about it. Perhaps I should go to the branch to get this resolved. I requested the call be escalated to a supervisor. I was placed on hold and eventually transferred to XXXX, a supervisor. XXXX instructed me to wait until Saturday to call and confirm the status. I advised XXXX that this was deceptive advertising and that I would file a complaint against Chase under XXXX if this was not resolved. She opened an internal complaint, but I have no assurances the issue with the promo code will be resolved. That complaint number is : XXXX. The process I followed and qualified for, is being reneged only after I opened the accounts. She had to be asked to open a complaint. She advised me that there is a XXXX grace period to get this resolved. Chase is engaging in deceptive advertising practices and bait and switch. I chose the " Open Both Accounts '' and the promo was not applied. Furthermore, Chase 's staff is unfamiliar with how the promo works and is placing the onus on me as a consumer to keep following up in hopes of getting this resolved. I had to make XXXX calls in 2 days to re-explain the issue to no avail. 

Fully knowing that many people will not follow through. Both my checking account and savings account were opened using " Open Both Accounts '' button and Chase is refusing to honor the promotion - according to XXXX, they don't have a way to add the Promo Code. 
Attached are screen capture images of the promo. I am asking Chase to honor the promotion they advertise by XXXX. Sending me written confirmation that the promo code has been added along with a root cause explanation of why this occurred XXXX ) ensuring that I receive the {$600.00} credit and I want them to train and empower their staff to assist consumers with such issues in the future. The onus should not be shifted on the consumer to make multiple calls and be bounced around with no resolution in sight.
Product: Student loan

Co-signed loan for my son in XX/XX/XXXX.He received XXXX XXXX in XX/XX/XXXX from social security with the understanding this loan would be totally forgiven even for the cosigner.Not the case as I was then held responsible by navient. We always thought this to be a federal insured loan but Navient now says it is a private loan. With fluctuate interest rate depending on prime rate each month.I have spoken with them a number of times about getting help.They have only offered solutions that will cost more money in the long run. They also said that I don't qualify for income driven payments and would not even consider total forgiveness.I am now XXXX years old struggling to live on social security alone, the payment each month has become a very heavy burden.I feel stuck under a rock without even a hard place to turn to.All I can say is please HELP, HELP, HELP!!!!!!!!!!!! I am considering default as my only option since over the ten years they have received more than the original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or XXXX  totally XXXX  up my report
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my Equifax report, I have requested in writing twice now for Equifax to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a house last year. There is supposed to be a 45-day grace period so that I can shop for different mortgages. All three credit bureaus are instead counting these as individual inquiries.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account XX/XX/XXXX, the credit card was issued by XXXX, XXXX. After filing for a divorce in XXXX I was unable to continue making payments, my last payment was XX/XX/XXXX. Shortly after this XXXX reported my account CLOSED, yet then reported to XXXX that I was late 73 months. However, XXXX then reported to Equifax that I made a payment in XX/XX/XXXX ( which is absolutely not true ). This is their attempted to keep reporting this CLOSED account beyond the legally allowed time of 7 years. 

I have made repeated attempts to contact XXXX and the only reponse I got was a form letter stating they could not identify me. The outstanding amount is {$650.00} and it has been since XXXX of XXXX. I don't understand how they could continue to report the account late when by their own reporting it has been closed since XXXX. 

I have worked extremely hard to restore my credit after a XXXX XXXX and have almost perfect payment history since that time, XXXX is absolutely impossible to contact and I can't get them to obey the fair credit reporting laws.
Product: Credit reporting or other personal consumer reports

XXXX has no written instructions to furnish a report on my behalf and is actively committing identify theft
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX  is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I researched companies for auto loan refinancing. I found this company online called XXXX XXXX XXXX XXXX. Someone from the company called me in claimed they can negotiate with my lender for a lower car payment they charged me half of my car note to start the process which was {$270.00} I have signed docusigned documents. After 2 weeks I hadn't heard anything from this company when I call them they never answer the phone. Finally I spoke to a lady named XXXX  she claimed I had to get all these different documents from my lender that they never mentioned at first I was suppose to get calls from a worker named XXXX he never called me! ... when I spoke to my lender my lender stated they never heard of this company and that they do no negotiate lower car payments ... I did more research on this company by XXXX  the phone number on the site. I found out they scammed more people claiming to help lower car payments ... I disputed the {$270.00} bank payment with my bank and they denied my dispute claiming they could find no evidence of fraud ... this company is not legit this is the website they use to scam people XXXX XXXX XXXX. There is not enough contact information shared I would like my funds returned to me this time period is already hard due to the pandemic yet you have people out stealing from people by lying like they are out to help!
Product: Debt collection

We moved out of our old apartment and broke the lease. However we aren't required to pay a penalty due to an error by our property management company. we notified the property management company on XX/XX/XXXX. that we are not legally required to pay the penatly to break the lease. we sent them an letter on XX/XX/XXXX as well stating all the infractions that they violated. They submitted our penatly to a collections agency anyway and we sent hem a letter on XX/XX/XXXX notifying we we wont have to pay this penatly. we received a letter on XX/XX/XXXX saying that our debt wil be sent to the collection agency if we did not pay within 10 days. The collections agency started leaving voicmails on girlfiends and I 's phone XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX, leaving a voiemail each time. on XX/XX/XXXX we received a letter in the mail from the collections agency saying we owed money to them. and that we can dispute the charges within the next 30 days.
Product: Mortgage

Wells Fargo Home Mortgage advertised mortgage relief several months ago due to the Corona Virus Pandemic. They stated that I could defer payments without penalty on my credit score. I was in between jobs this summer and new I would not receive a paycheck for at least one month. I took the deferment for 4 months and since then my credit score has dropped 100 points and my overall debt on my mortgage has gone up by {$7000.00}. Creditors have cancelled cards I have had open for years and I have been unable to apply for debt transfer cards.
Product: Mortgage

We had water damage in XXXX of 2016 at our house. We received our check from the insurance company and then submitted all required documents and check to our Mortgage Company ( Penny Mac ) on XXXX/XXXX/2016. Even though we submitted ALL of the required documents Penny Mac would tell us that we were missing a document even though they had it. After a month of going through that they told me a check was cut on XXXX/XXXX/2016 and being overnighted. I received a Fed Ex tracking number on Tuesday XXXX/XXXX/2016 from Penny Mac that indicated my check would be delivered on XXXX/XXXX/2016 by XXXX. We did n't receive the check so on XXXX/XXXX/2016 I called Penny Mac and ask what the status was. Penny mac told me that I had a " zero balance '' and that a check for {$29000.00} was mailed through XXXX to us on XXXX/XXXX/2016. I told them we did n't receive it ... so I called XXXX ... they told me that the package ( my check ) was never called in to pick up ... so I called back Penny Mac who insisted it was picked up ... so I called XXXX back who track it back to Penny Mac and said they only created a label for it ... so I called back Penny Mac and they did admit now to not sending the check yet, but it would be sent XXXX/XXXX/2016 ay XXXX ... .so I called XXXX this morning ... .guess what? Surprise! No check was picked up. At this point, I 've made maybe a dozen calls and have done ALL I 'm suppose to do. I have significant damage to my house and just want to get back o normal. It 's been two months. Forget about the incompetence because there has definitely been a ton of that ... now Penny Mac is just flat out not telling the truth. I have done EVERYTHING I 'm suppose to do and now I 'm claiming Penny Mac is unreasonably withholding my check. I do n't know where else to go or who to turn to ... I 'm hoping you can help. I can much better explain this in person. Thanks for your help and consideration on this claim.
Product: Credit reporting or other personal consumer reports

Hello, I would like to initiate an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. Although they were removed earlier, they have been re-added without my knowledge. I have not been informed of this reinstatement and have not received any notification by mail.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00} R C XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account in XX/XX/XXXX by giving them {$250.00} deposit which was a requirement because I did not have a social security number or credit history. It was a month to month contract. I disconnected my service after 6 months and XXXX sent me an email regarding my disconnection of the service and they told me in the statement how they would proceed with final billing and returning the equipment. Under the final billing section it said depending on your date of the disconnect order, you may receive a credit for services that were paid for in advance, if a deposit was required when you ordered you services, the refund will be applied to your XXXX account to satisfy any outstanding debt or charges for unreturned equipment or other billing. Any remaining credit after applying the deposit refund to your outstanding balance will be refunded by a check. So I understood that they will charge my final billing or any other outstanding bill they would take form the {$250.00} deposit that I gave them when I opened the account and that they would refund any remaining money by check. The email date is XX/XX/XXXX at XXXX. The email was sent from XXXX. So after I received this email I have waited for my refund check for the amount of the difference in my debt ( final bill ) and my deposit. The difference was suppose to be {$50.00} and change. However, after eight months XXXX sent me the full amount of my deposit by check instead of the difference between my debt and my deposit. Then I questioned why they sent the full amount and then I figured out that they sent me to collections without my knowledge. I contacted XXXX regarding that and tried to solve this issue and I paid my debt right away after a month I received my deposit back. I explained this situation to XXXX but they did not accept their fault and correct it. And after two years when I get my social security number, I started having a credit history, I have seen a derogatory mark submitted by XXXX due to this collection issue and was being reported to Experian credit agency unfairly and incorrectly. I then tried to contact Experian as well as XXXX again via phone and email. However they did not fix this situation. They did not fix it and my credit is being damaged by this credit report. I want to get a house and/or lease a car but this falsely reported derogatory mark is hurting my report significantly. I want this to be fixed as soon as possible by XXXX.
Product: Credit reporting or other personal consumer reports

Hello a few years ago my information was exposed in a XXXX security breach, as results I had several accounts appear on my credit report.. I made Experian aware of this and Ive provided documentation they acknowledged that Im a victim and put a fraud alert on my consumer report. I have 4 complaints this year alone not including last year. And they send a auto response and never correct anything.. 
Complaint number cfpb XXXX XXXX XXXX XXXX Despite my request for removal they continue to ruin my life!! They continue violate my right to a fair accurate report according to 15 U.S. Code 16811 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Despite everything I have sent in verifying who I was they continue to ignore my request which is another violation 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; They continue to ignore my request! Despite me providing all documentation I have not given anyone permission to report these fraudulent items on my consumer report, Which is another violation.15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These items were never blocked!! They are still reporting my my consuming report.. This is really cause my extreme emotional distress.. Im seriously trying to repair my life and they continue to gain profit by reporting fraudulent items
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Checking or savings account

I received my direct deposit from my job on XX/XX/year> I made XXXX transaction after work and went to sleep I woke up and my acc was suspended I was on the phone with chime and got a email saying that my acc was closed the person on the phone every time I called tells me that I will get a email from the department that handle this situation I never received an email I was finally able to get a hold of someone on the XXXX and I'm told that I can not get my money back because I am not eligible I don't know what type of games they are playing at chime but it's my money from my direct deposit form my job and they are refusing to give my money back or to provide me with adequate information as to why my account was closed
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against MIDLAND CREDIT MANAGEMENT regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and my Social Security XXXX is XXXX. Upon reviewing my MIDLAND CREDIT MANAGEMENT credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting MIDLAND CREDIT MANAGEMENT directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my MIDLAND CREDIT MANAGEMENT credit report. Additionally, I seek written confirmation from MIDLAND CREDIT MANAGEMENT once these accounts have been corrected. I also ask the CFPB to investigate MIDLAND CREDIT MANAGEMENT handling of my dispute and its adherence to FCRA and CFPB rules.