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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Product: Credit card

a chase credit card account was open without my consent with the amount of XXXX and it was open on the date of XXXXI sent information to the company but got no respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}
Product: Payday loan, title loan, or personal loan

I am writing to you to present unfair practices against the company/products " SELF '' that is offered in the market with the intention to improve the credit scores of their users but ending accumulating fees when clients try to pay off early their balances. Please read my letter at the bottom and their unfair response. 


MY ORIGINAL EMAIL Good evening, In an intent to do the right thing, I was trying to pay off early my balance pending with SELF. In that way, I scheduled a payment a few days back for {$48.00} and then a second payment of {$45.00}. I received yesterday a note that both payments didn't come through and I was charged two {$15.00} fees for each unsuccessful intent. 
Immediately, yesterday trying to correct the situation, I scheduled a third payment of {$93.00} ( {$48.00} + {$45.00} ) ; and today I received a new notice that this payment also was rejected and a new {$15.00} fee was charged!!!!! 
Even though the checking account was submitted as a payment option months ago and consistently approved, now almost to the end of my loan review, you let me know that the account rejected my scheduled payments (? ) I just changed the payment method and set up my debit card information and authorize it to charge me the final balance of {$93.00}, and is my hope that we do not have any problem this time. 
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during all these previous months, I was recommending your Self products to my clients without requesting any benefit for me. 
Finally, I request to proceed to make a fair review of my case and proceed to cancel any unfair fee charged to my account ( total of {$45.00} ) because all the time my intention was to proceed in good faith, paying my debts before it's the due date, and using the approved account confirmed by you months ago. 
Sincerely, XXXX XXXX. 
ID XXXX RESPONSE FROM SELF Case XXXX - XXXX XXXX Account - Payments XXXX XXXX Hi, Thanks for reaching out, and we're sorry to hear you encountered this issue. It appears that the payments failed due to a failure to locate the bank account. This typically means that the account and/or routing number were entered incorrectly when the payment method was originally added. There have been no previous successful payments from that account, only from a debit card ending in XXXX. 
Unfortunately, it appears that the recent payment covered the fees, and we are unable to waive any paid fees. If this happens in the future, please reach out before the fees are paid to request we waive the fee ( s ) as a courtesy. We apologize for our limitations. 
Please reach out if you have any other questions. 
Best,
Product: Debt collection

JPMORGAN CHASE XXXX received my tendered bond, I endorsed to CHASE, for {$5000.00}, and CHASE did not credit my account. Instead, they have been calling me for " payment '' and have not returned my bond. I know this remittance coupon is an interest payment to the investor. I am the XXXX XXXX XXXX of age majority and I have revoked my POA with CHASE. I can also point out every detail of fraud on the dealership contract ( XXXX ) between XXXX and CHASE. Instead of going through the trouble of a certified forensic audit and displaying all the fraud in front of me ( if you don't think I know, try me ), I have GENEROUSLY endorsed MY remittance coupon with the bond in the name of CHASE - even though CHASE has already been paid with my signature! I have been generous and patient while becoming more informed of the accounting principles of XXXX. I'm growing very impatient with banking securitization fraud and misappropriation of funds. I was loaned credit; was I not? Credit does not equate to funding. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - The court in this case emphasized that a credit transaction encompasses the agreement between a lender and a borrower to provide and repay credit, respectively, without requiring the actual transfer of cash or funds at the time of transaction. '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - This case highlights the distinction between a credit transaction and a cash transaction, emphasizing that while cash transactions involve the immediate exchange of funds, credit transactions entail the extension of credit by a lender to a borrower, creating a debtor-creditor relationship without the necessity of physical fund transfer. '' You failed to inform me you weren't giving me physical funds but you told me I owe you XXXX, ' that you'll only accept legal tender - interesting. 

The cash transaction and the credit transaction do not equate to the same, they have different functions ; my promissory notes are exchanges for 'money ', and yet the only source of funding, according to XXXX, is credit. You're demanding payment ; however, I will not agree to repay the extension of credit in cash. This is a letter of challenge to the debt ( with interrogatories ) and a COURTESY of my invaluable time for which I will be issuing a fee schedule. I expect immediate credit to my account from MY endorsed bond. There will be no further illegal trustee " kickbacks '' in my CHASE account as I do not consent to raising the national debt ceiling. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I did not open any card with American Express im devastated to see someone applied for a card under my name and was using it without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX 3 times in the last 7 months 1. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I explain to the customer service representative my situation that they are still reporting on my credit report but they tell me that ( they have no record of me in their system ). My lone was transfer to another lone company, but it still show open on my credit report with XXXX I have asked them to remove it, and to get connected to their credit department, but just get hung up on ever time.
Product: Mortgage

I took a first mortgage loan in XX/XX/XXXX. My first payment was do in XX/XX/XXXX. I paid it. I paid every payment afterwards. In XX/XX/XXXX, I mistakenly issued a payment of {$2000.00} instead of the correct amount of {$2100.00}. I attempted to cancel this payment and issued another payment for {$2100.00}. These payments went to Ditech. My bank would not recall the erroneous payment of {$2000.00}. 

I wrote Ditech FOUR letters. Ditech did not respond. I called Ditech when I started get " late '' notices from XXXX. Ditech sent me a payment history, confirmed I was not in arrears and that they would forward overpayments ( the {$2000.00} and the XXXX for XX/XX/XXXX ) which should have been forwarded to XXXX, the new service provider. 

Ditech forwarded the XXXX payment but without explanation or any notice, Ditech kept the {$2000.00} erroneous payment. Ditech decided to credit that amount to a shortfall in escrow. I continued writing to Ditech and XXXX through XX/XX/XXXX. 

Neither company responded to any inquiry. When I called both companies again, this month ( XX/XX/XXXX ), the companies both indicated that letters sent to the payment center ( where my checks were sent ) are " shredded '' or discarded. For 6 months now, XXXX has been reporting me 30 days behind on my mortgage. I have been late to no other creditor. XXXX has DESTROYED my credit score, which is now XXXX based on XXXX ' reports. 

XXXX has said the will not interfere with the additional funds kept by Ditech and will continue reporting me late to the credit bureau, unless I pay pay them more than {$4700.00} on XX/XX/XXXX. XXXX refuses to investigate nor take any action. 

I have actually paid {$21.00} OVER what has been due on my mortgage from it's inception. My understanding ( based on the first year ) is that if excrow is not properly planned and collected by the managing company, the company can increase your mortgage. XXXX did this -- adding {$210.00} a month to my payments. They refused to explain the change. 

Today, XXXX says that they can see the XX/XX/XXXX double payment but it was NOT credited toward a monthly payment. Instead, Ditech kept the money and credited it toward a shortfall in escrow ; without notice ; without ever admitting that to me in letters and phone calls. XXXX says it's a problem for Ditech. Ditech gives me no information. But, XXXX is falsely reporting the account as delinquent.
Product: Debt collection

I XXXX XXXX federally protected consumer have notified a third party debt collection agency called Ad Astra Recovery Services that they have infringed and are infringing on my right to privacy which is unalieable rights pursuant to UCC9-109. Please read the notice enclosed dated XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX # 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any informatio
n 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; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are not my accounts or inquires
Product: Payday loan, title loan, or personal loan

I am currently on XXXX, and was defrauded out of {$16000.00} through an online scam. ( XXXX XXXX ) I have submitted a fraud complaint to the FBI, however, when contacting NFCU, they have refused to assist in any way and are holding me accountable for 2 loans taken out in my name, with money transferred to other entities. NFCU has stated they found no indication of fraud, although the supporting documents attached will prove otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repoXXXX XXXXXXXX account number XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX** XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance XXXX {$650000.00} Late/Open XXXX XXXX XX/XX/XXXX Balance : {$670000.00} Late/Open XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$90000.00} Late/Open
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

# # # Disputes : 1. Unauthorized Inquiry - Creditor Name : XXXX XXXX - Date of Inquiry : XX/XX/year> - Requested Action : Remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX  on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.
Product: Credit reporting or other personal consumer reports

I wish to bring into your attention an error or wrong reporting by Experian Credit Report. 
I use to have Public record on my Credit report until XXXX, 2023 but then, It was found out that Public record was for a debt that I never owed and I paid off my other Collections too. 
My Credit has been improved, and am doing my payments on time mostly and there is no negative record on my account for now. Even Experian is emailing me daily, telling me that my score has improved and offering me various Credit Cards and loan promotions. 
But when I actually applied for a loan, Experian reported back to agency that my Credit report has derogatory information and there is nothing negative on my Credit report as I keep on checking every week from XXXX. 
As per experian, my score is XXXX which is kind of good score, then how come they reported derogatory information and if it is going to stay the same, what is the advantage of paying all the collections and having clean record. 
I checked with XXXX too and there is nothing negative on my Credit for now. Then how come Experian is not letting me get a loan. Is it going to keep impacting me my whole life despite of having improved Credit Score.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : Creditor Name. 

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by XXXX which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error.
Product: Checking or savings account

After bringing my a/c  balance to XXXX on XX/XX/XXXX, I called Truist on XX/XX/XXXX & asked them to close my a/c. They said it would be closed in 3 - 5 days. I am now finding out on XX/XX/XXXX, they never closed my account when I had asked, and as a result, they must have charged me some kind of {$0.00} balance monthly fee over the last few months - because today I received a collection letter indicating I owe them {$44.00}, including a " {$30.00} charge-off account fee ''. This is utter nonsense and a complete scam!! 

Apparently, they did close the account, but not until XXXX, XXXX, after charging me fees. Since the account is now closed, they've shut of the online access so I can't get online to see the activity, print statements, or see detail of the fees they charged. I was never mailed any statements. 

I called customer service at XXXX & the woman I spoke to said she wasn't able to see my account activity & gave me a different # to call ( XXXX ). In fact, I have now tried 3 different # 's ( including XXXX ) multiple times over the past several days, and every single time, after waiting for a period, they play a message : " all agents are busy, leave a message, and we will call you back within 24 hours ''. I have left 4 messages and no one has called back yet. 

I had a {$0.00} balance, made no attempts to withdraw money after bringing the balance to {$0.00}, and requested the account closed within 1 week after the balance was at {$0.00}. 

THE ACCOUNT SHOULD HAVE BEEN CLOSED WHEN I ORIGINALLY REQUESTED IN XXXX, XXXX, AND I SHOULD NOT HAVE BEEN CHARGED ANY FEES. THIS SITUATION IS EITHER A DELIBERATE ATTEMPT BY THEM TO SCAM ME OUT OF MONEY FOR XXXX SERVICE, OR IS A RESULT OF THEIR TOTAL INCOMPETENCE. EITHER WAY, IT IS WRONG. 

I want the {$44.00} in fees they've charged to be credited back to my account to bring it back to a {$0.00} balance, and they need to cease & desist all collection action immediately. 

Their letter also threatens to " report information about my account to specialty check reporting agencies ''. If they ruin my perfect credit and banking history due to their incompetence and scum-bag business tactics, they will be getting sued for the damages caused. 

In summary : Truist is incompetent and didn't close my account when requested, improperly charged me fees for nothing, sent me a threatening collection notice, possibly has filed an adverse report with " specialty check reporting agencies '' causing me damage, has not answered the phone # 's they've provided for customer assistance, and has wasted a bunch of my time. 

I'm sure I'm not the only one dealing with their incompetence or deliberate attempts to charge people fees for nothing. THEY DESERVE A CLASS ACTION LAWSUIT.