23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Scam trying to collect money that I don't owe. Account is paid up to date and their phone number,XXXX XXXXXXXX XXXX XXXX is listed as a scam. The callers are XXXX XXXX  and call several times aday. The bank they are representing is not the bank I pay. 

I have checked my bank statements for the last 3 months and this payment is an automatic payment monthly and is shown as paid in full and on time. ( auto Pay )
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a identity theft victim, I have been since 2012. I have several inaccuracies on my credit report that I dont recognize where they came from. I have a fraud alert on my credit file and I have reached out to all 3 credit bureaus about this and I have been having a hard time get theses items removed from my credit report. Accounts from ABILITY RECOVERY SERVICES LLC has a amount of {$1400.00}. And a another in the amount of {$1500.00}.
Product: Credit reporting or other personal consumer reports

I received an alert for a company I did not provide my consent to. XXXX XXXX is a fraudulent inquiry please remove immediately
Product: Mortgage

My home insurance policy covers XXXX years for one-time only fee. My mortgage bank ( Astoria Bank ) is supposed to accrue the insurance premium over the XXXX years. Each time I renew my policy the bank recalculates my escrow payment incorrectly, forcing me to pay {$1200.00} more per month until I complain and they spend the requisite few months correcting the error. They will not call me to confirm that they 've sorted out the problem. I have to call them every XXXX weeks until they confirm, waiting in the queue for many minutes during my busy workday. Meanwhile they threaten me with ~ {$250.00} fines if I do n't make a full payment - a payment that has grown by {$1200.00} overnight without any change in my interest rate, taxes, or insurance rates, so it is obviously incorrect. This is my XXXX renewal and my XXXX time dealing with their incompetence. I am starting to think the mistake is willful - the bank gains the interest on an escrow account balance that is n't needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gave dealer my info to contact me about a vehicle. They submitted my info without my consent.
Product: Credit card or prepaid card

I am a victim of the government shutdown and can not afford to make payments at this time. The company insists on a payment and continues to call. I need to defer payments for at least nine months.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to remove inaccurate information on my consumer report that are a direct result of my data being compromised in the XXXX data breach and others by reporting the inaccuracies to Experian, Experian has repeatedly failed to properly investigate the items and continue to use stall tactics citing that the request don't appear to have come from me. The prolonged presence of these items on my report have caused undue hardship and have impacted my quality of life.
Product: Debt collection

I'm reaching out to contest the presence of this bankruptcy on my credit report. It's worrisome since I have a court document expressly stating it shouldn't be reported to you. Additionally, the unauthorized third-party involvement makes this situation even more absurd.
Product: Checking or savings account

I opened an account with Truist Bank in late XXXX after having seen a promotional bonus of {$400.00} for opening a new account, keeping it in good standing, and receiving 2 ( two ) direct deposits totaling {$1000.00} or more within the first 60 days. I opened the account under the set forth terms and met the requirements, yet still have not received the promotional bonus. I was supposed to receive this bonus no later than early XXXX, and I still have not received it. I have called the physical branch as well as the corporate phone number for assistance and have not yet received a fair resolution. I started making contact regarding this issue on XX/XX/XXXX. It is now XX/XX/XXXX, and no resolution has been arrived to.
Product: Credit card or prepaid card

I WAS CHARGED ON XX/XX/12 FROM A XXXX XXXXXXXX FOR XXXX ON MY CITI MASTER CARD, AND ALSO CHARGED ON XX/XX/12 FROM XXXX XXXX FOR XXXX ON MY CITI MASTER CARD  OLD CARD # XXXX. I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPANIES AT ALL AND I NEVER AUTHORIZED ANY OF THESE CHARGES AT ALL. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND THIS IS SENIOR ABUSE PLEASE HELP ME GET MY MONEY BACK.
Product: Checking or savings account

This is my formal legal statement of debit card XXXX  that took place on my CHIME XXXX Debit card account ending in XXXX  XXXX. My debit card was XXXX  & used without my authorization. I contacted Chime customer service ( XXXX XXXX XXXX, XXXX ) within XXXX business day of identifying that the XXXX  transactions had taken place. I also had my phone XXXX  as well and reported this to local law enforcement. Report attached. 

The XXXX XXXX XXXX ( Chime bank ) Is in clear violation of EFTA law & XXXX XXXX XXXX XXXX XXXX listed on their website since they are denying the debit card dispute claim XXXX  so we will be pursuing this further since we have evidence that a crime took place with XXXX  phone & XXXX  debit card amongst other things that were XXXX. XXXX I've reached out to legal counsel on this matter and have been provided with next steps regarding my rights and EFTA Regulation E and have contacted local law enforcement and that statement has been legally documented as well and recorded in the report. 

Additionally please note that I've requested that surveillance footage be pulled at these merchants to identify who used the XXXX  debit card and what signatures were used so that we can press charges. 

Claim : XXXX XXXX  debit card ending in : XXXX Date XXXX  Tansactions Reported : XXXX XXXX business day after the XXXX  had taken place. 

Statement of facts : On Monday XX/XX/year> I discovered my debit card was missing and I identified that it had been used without my consent. XXXX transactions. Totaling {$360.00}. Transactions listed below. I immediately contacted CHIME customer service via phone to report the XXXX  on Monday XX/XX/XXXXXXXX XXXX XXXX XXXX pm cst and the representative took down the report and started a debit card dispute XXXX XXXX. 

Please reverse the charges back into my checking account in accordance with XXXX XXXX XXXX XXXX XXXX & EFTA regulations. I have reported the XXXX  within XXXX business day of the debit card XXXX  taking place and have filed a police report as well. Police report tracking XXXX XXXX filed with XXXX police department. Additionally please investigate the signatures that must have been used to sign off on these charges as this is also a crime. 

XXXX  debit card transactions : MXXXX 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 Please ensure that my debit card account is replaced and all XXXX XXXX  debit card charge totaling {$360.00} are credited back into my account in accordance with EFTA & XXXX XXXX XXXX XXXX XXXX. These transactions were not done by me nor anyone that I know but I will be pressing charges if police is able to retrieve my property that is missing, including phone and CHIME debit card.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have sent letters to all three credit bureaus requesting information about who provided them with details regarding my XXXX  XXXX bankruptcy. I have proof that this information was not supplied by the bankruptcy court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC REPORT
Product: Credit reporting

I have been disputing one item on my credit report since XX/XX/2017 with no success. I paid a account in full on XX/XX/2017. Since then i have mailed proof and uploaded proof of payment to experian. I have also contacted the creditor XXXX ( XXXX, IL ) three times this month and the creditor told me it take two months to have this information updated with experian. Experian already has all the information needed to update my file but they keep sending disputes to the creditor which they come back stating verified no change in balance. This is not true and i would like for experian to update my file according to the proof i have submitted.
Product: Debt collection

I was served certified mail today ... XX/XX/XXXX, saying that i had been sued by Asset Acceptance LLC, for judgement {$3900.00} .I don't think this is my debt and was never notified i was being sued .The debt is from XX/XX/XXXX. The Cause no. is XXXX and is filed in precinct XXXX place XXXX, XXXX county Texas.Papers were filed by XXXX XXXX of Midland Credit Management. Thank you in advance XXXX XXXX XXXX XXXX XXXX Ph XXXX XXXX XXXX Email Address is XXXX XXXX
Product: Consumer Loan

I was sued by Midland Financial and they ended up getting a judgment and I paid that, via a forced payroll deduction, then they came back on another loan and were relentless in their efforts, however ; this time I fought back although it pushed me into bankruptcy once the chapter XXXX is complete I will be free of this scourge of a company. I recently read there was a judgment that the company had to refund those who were wrongfully sued. I am inquiring about that, as I have heard nothing from Midland on this, and the first loan I feel I should get the refund. 

Encore and XXXX Must Refund XXXX Dollars and Overhaul Debt Collection and Litigation Practices
Product: Credit reporting or other personal consumer reports

account was opened on XX/XX/year> for the amount of {$15000.00}
Product: Credit reporting or other personal consumer reports

I signed up for a secured card with XXXX XXXX on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in consumer reports ; Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of 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. XXXX XXXX  reported to XXXX, XXXX, XXXX, and Innovis, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal.

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for XXXX, XXXX, XXXX, and Innovis, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions.

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice. 

NOTE ONLY TO XXXX and INNOVIS : XXXX XXXX XXXX, XXXX, and XXXX have all received the same notice.
Product: Credit reporting

This complaint relates to a credit decision made by XXXX XXXX for a HELOC that I applied for on XXXX XXXX 2015. I was subsequently rejected as a result of a credit score pulled by XXXX XXXX 's mortgage company through Equifax. 

In the rejection documentation I received, I was informed that my credit score as per Equifax was XXXX, with a number of negative factors impacting my score. I subscribe to real time credit monitoring, and as of the day the inquiry was made on my credit, my Equifax score was reporting as XXXX. To confirm, I then purchased my Equifax score directly through the Equifax website, which shows XXXX as of XXXX XXXX, post XXXX XXXX 's inquiry. 

I reached out to XXXX XXXX to determine why there was this discrepancy in my credit score, which was directly responsible for my application being rejected. They were only able to tell me that they were using a report and score provided by Equifax on XXXX XXXX and that I should contact Equifax with my question. I went onto the Equifax website ; there is no way to dispute this type of discrepancy online. I am only able to dispute specific information on my credit report, which does not apply here. Additionally, I tried contacting them via phone ; there was also no means through which I could have this addressed via phone. 

My complaint summary is as follows:1 ) The Equifax report provided to XXXX XXXX on XXXX showed a credit score of XXXX. The Equifax score I purchased on XXXX showed a credit score of XXXX, much higher than the reported score to XXXX XXXX. I am complaining about the dramatic difference in scores, both of which came directly from Equifax, and led to the rejection of my HELOC application. 
2 ) I am also complaining about the difficulty in resolving this directly with Equifax, as they have made it nearly impossible to do so. 
3 ) I am complaining about the impossibility of knowing what my actual credit score is and being denied credit despite having good credit, according to Equifax themselves. How am I able to understand what my credit score is if Equifax themselves can not agree on what my credit score actually is? 

I have attached a copy of my credit score which I purchased from Equifax today ( File Name : Equifax FACT Rpt ) as well as the rejection letter I received from XXXX XXXX ( File Name : XXXX XXXX rejection ). You will note the dramatic differences in scores.
Product: Credit reporting or other personal consumer reports

My personal information was stolen while I have been XXXX, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX XXXX 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home
Product: Credit card or prepaid card

I have purchased for a service called XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX but that I setup the auto-payments, but bank of america never deducted from the debit card and charged as late payment. 

The auto-payment was never enabled or deducted automatically due to bug in the site. 

Please resolve my issue, else I will have problem with credit report
Product: Credit reporting or other personal consumer reports

XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I leased a car with drive time in XXXX! I had an accident in XX/XX/XXXX, the car was totaled. In XXXX i signed a contract with XXXX to have gap insurance in my monthly payments. when the accident happened the company claimed they dont offer it anymore yet for some reason i was never notified of these changes and was still paying the fee of having it. The car was complete loss and i was in able to drive it i called my insurance they told me i had gap and to call them gap said i needed to call the insurance l. Both was giving a run around. I called XXXX XXXX  and told them what happened and asked them to come get the car mind you it was the end of XXXX XXXX they said they would come get it but i still needed to make the monthly payment. i told them im not making the payments on a car i can not drive and got into a new car the same week. I called them the next day and told them to come get the car again. ( still XX/XX/XXXX ) they let the car sit in my driveway until XX/XX/XXXX and was marking missed monthly payment until they came and got it and even a month after they came and got it. this company has multiple lawsuits on them for fraud and scams and I fell victim to it as well. the account was closed on my credit and for some reason it is back open. I volunteered to give this car back being as they broke contract with gap insurance. it is listed as an involuntary repossession and multi- month missed payment. this is all inaccurate information the account was listed closed on my credit after a dispute in XXXX and now it was changed from repossession to unknown as well as it says i made a payment on it in XXXX this account is closed on all other credit reporting companies. im not sure why it is being able to reopen. I added up all the payment on this car from the old portal and it said i paid XXXX when i called they said that was just the interest i still owed XXXX which is unbelievable
Product: Credit card or prepaid card

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.