23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase XXXX XXXX XXXX I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by CHASE XXXX XXXX XXXX XXXX I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by CHASE on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CHASE is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score was at XXXX before I applied for a REFI loan on my home to reduce the interest rate. A little later, I paid off my Automobile loan of {$3800.00} and Experian dropped my score by 47 points. At that point they contacted me and offered to reinstate 30 of those points if I would sign up for their Experian Boost program. It appeared they intentionally dropped my score by a huge amount then tried to force me to sign up for their program. I did not and will not. That, to me, looks almost like extortion. I have a perfect credit report for many years and now have no debt at all other than a mortgage. For them to drop me from XXXX to XXXX is not within my grasp. That drop took me from Excellent to good. My scores with the other two companies is in still in the Excellent range. Is there anything that can be done? I have a chain of emails to support the fact that I have been trying to work with them but they are not willing.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent all three credit bureaus Experian, XXXX, and XXXX letters requesting verification to five accounts for late payments showing on my credit report and asked them to have my address updated. I have yet to receive anything from the bureaus, verifying these late payments or showing that my address has been updated to reflect accordingly. It has been well over 30 days and I have not yet received any notification. I have attached the letters and details.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a charged off XXXXXXXX XXXX XXXX  ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment transunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  trasunion - XXXX - XXXX XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX XXXX XXXX transunion- {$580.00} XXXX XXXX XXXX XXXX XXXX transunion- Charged off as bad debt Purchased by another lender XXXX- Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXXXXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Account transferred or sold Charged off account
Product: Student loan

My Federal Perkins Loan was transferred to Heartland ECSI a while ago. I managed to miss a payment at one point, and in addition to the late fee ( totaling a fourth of my monthly payment ) placed on my account, I was charged another {$2.00} for their automatic call system to tell me the payment was late. Nowhere on their website do they list late fees or call fees, and the only place I heard mention of phone call fees was information presented via a computer-generated voice while I was on hold with their customer service after I had already incurred the late, automated call fee. There is a serious lack of transparency from Heartland ECSI.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( Capital One Bank ) has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604a, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 16, 66b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to World Acceptance Corporation to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.
Product: Debt collection

They constantly keep calling and call more than 10 times of day and call both landline phone and cell phone which I do not even know how they got in the first place and send letters over and over again. I have tried to settle with the original owner of debt but never wanted to now this new company called Asset Recovery Solutions LLC will not stop with abusive language and threat tactics.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX IC Systems reported a derogatory debt on my credit report that was already paid to the original creditors XXXX XXXX  in 2020 which violated my rights to privacy. 

Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that this debt is owed to them. Ive spoken with different representatives explaining that I returned all equipment and paid the company directly and they failed to remove this debt from my credit report. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This violation has caused me great grief as to my credit score.
Product: Credit reporting or other personal consumer reports

I looked at my credit report around XXXX of this year and I noticed that some things are incomplete or not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXXXXXX Account Name XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and further more XXXX XXXX XXXXXXXX has reported itself twice on my credit report. The same exact account reported twice and with different information on each one. 
All of these accounts listed are not complete and are not accurate. 
I did get an investigation back but all it said is that they verified it was accurate but no information on how it was investigated to prove this accuracy. 
I requested a description of how they verified these accounts which they did not provide to me which violates 15USC 1681i7. 
According to the law if it is not verifiable or correct in any manner it should have been deleted.
Product: Credit card

An auto-dialer operated by or on behalf of Capital One Bank calls my home XXXX to XXXX times a day looking to speak to my mother, XXXX XXXX. She no longer is reachable at this number and I called Cap One XXXX to ask that they stop the calls to XXXX. Both times I asked to speak to a member of their Compliance Department and both times the request was denied. All I get is their standard " talk off '' along the lines of " it could take XXXX hours for your number to get removed from our auto dialer ''. The calls keep coming and this bank is stalking and harassing me. For the CFPB 's reference, please note that the callback number that their robocaller " XXXX '' asks for a return call at is XXXX. This is the number I called XXXX to ask that they calls stop.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal la and provides consumers with the necessary proff of investigation.
Product: Debt collection

CCS collections has inserted an incorrect account across all three credit bureaus. This account was closed at my request by the creditor because it was taken out by my ex-husband, XXXX XXXX, while we were going through our divorce along with a car note that I took responsibility for. At that time I was in a XXXX facility with a XXXX XXXX XXXX XXXX XXXX. This policy that they are claiming was taken out by me was not and it has caused an extreme hardship to my family as we are in the midst of a mortgage approval. I offered to pay the company to remove this collection from my credit report because I figured it was the fastest option as I am in the midst of a mortgage approval that they have now caused to be denied. If this matter is not resolved and removed from my credit report I will file an FTC report along with retaining a consumer finance attorney seeking this company to cover the cost of my mortgage approval that was denied XX/XX/XXXX because of inaccurate credit reporting that has not been verified.
Product: Debt collection

Macy 's is reporting inaccurate information to the consumer reporting agencies greatly effecting my credit score. Macy 's Charged-off the debt, as it clearly states on my consumer report. Macy 's is required by the Internal Revenue Code to provide me with the 1099c, that is 26 USC 6050p. I will be filing IRS form 3949a on Macys. Also, Macys sold the debt to XXXX XXXX XXXX XXXX ( attaching a copy of the debt being sold ). Why is Macys reporting to my credit reporting when you sold and charged off the debt? A charge off is considered income, and income is not to be reported to the consumers report. Macys is not respecting my right to privacy as a federally protected consumer, my nonpublic personal information was not to be giving out. I will consider this as aggravated identity theft on Macy 's part for providing my information to a non-affiliate third party. and as I'm sure you aware of 15 USC 1666d- treatment of credit balance in excess of {$1.00} is money owed to the consumer, which is also evidence in the federal regulations you blatantly violate 12 CFR 226.11. Anything over {$1.00} is money owed to the consumer and upon request you must make a good faith effort to either credit my account or send me a refund my check, cash or money order. I am requesting and demanding that Macys sends me my credit balance of {$390.00} ( the same amount XXXX XXXX XXXX is attempting to extort me for. This is also notification of my continuous right to opt out of your reporting under 16 CFR 313.7 ( f ), I XXXX XXXX hereby revoke the Authority giving to Macys or any other affiliate to report anything to the consumer reporting agencies. I am also demanding the 1099 c filed to be presented so I can properly file my 1040, I am demanding you update all accounts with the consumer reporting agencies within a timely manner as requires by 16 CFR 313.7 ( e ), and I'm demanding the credit balance be refunding to me immediately!
Product: Vehicle loan or lease

I leased a car from BMW. It was my third lease in a row. Ive been doing business with them for 9 years with out an issue. When my lease was up, they tried to charge me incorrectly and gave me a big bill at the end. They claimed that I was missing a key. I wasnt. They claimed wear and tear on the tires. The tires were used, but thats because I had the car for 3 years. I told them a couple of months before that they couldnt expect me to buy 4 brand new tires and then give the car back. Thats crazy, and they agreed. I tried speaking with them several times, and there was never a live operator. Now they put me in collections, which is outrageous. Please look into this matter for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$660.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my credit score. 
XXXX XXXX XXXX XXXX XXXX CONTINENTAL FINANCEXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you
Product: Mortgage

Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix the problem with no access to the web site for customers this is an on going. issue with several customers
Product: Student loan

I am a cosigner on a private loan for my nephew with navient. My nephew has a job and has made all payments on the loan. The amount is low enough for him to qualify without a cosigner and he has completed the process to remove me from the loan twice now with a confirmation message from navient. However ; I am still receiving reminder messages for payment due and change of their mailing address. When I call to inquire I am either put on hold or disconnected. On XXXX XXXX, I spent almost one hour with XXXX different staff and was never forwarded to a supervisor as requested. Instead I was placed on hold and was disconnected at XXXX without notice. On XXXX XXXX. I called back and spoke with XXXX ( XXXX ) who forwarded the call to XXXX ( XXXX ) a " supervisor '' who answered after 10 more minutes and than placed me on hold for XXXX more without any result. On XXXX XXXX I called at XXXX left a message for a call back. Received a call at XXXX and was placed on hold at XXXX. At XXXX I spoke with XXXX ( XXXX ) was placed on hold until XXXX when the call was disconnected. This is the most horrendous and inefficient " customer service '' I have ever known.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Account Information XXXX XXXX Account Number : XXXX Dear Transunion I am writing to formally request the removal of a derogatory entry on my credit report related to an account with XXXX XXXX. This request is based on the recent judgment in the class action lawsuit against XXXX XXXX, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : XXXX XXXX XXXX Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with XXXX XXXX be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I receive a call at XXXX I spoke with a gentleman who proceeded to tell me about the Citibank/home depot card which is for my husband I told him I am at work I ca n't talk on this issue as of now and ended call..However at XXXX est I receive another call from a rep at the same company name XXXX who id her rep number to be XXXX she also continue talking about the Citibank/homedepot card in which I told her I already receive a call today and I am at work and it is illegal to keep calling me and I 'm not even the person. SH CONTINUE TO TALK Telling me she do not see that I was called I told her I was and I have proof she really COULD CARE LESS I ASK HER WHAT NUMBE IS SHE CALLING FROM SHE REFUSE TO GIVE ME HER DIRECT NUMBER HOWEVER TELLING ME THAT I CAN CALL THE NUMBER ON THE BACK OF MY CARD I TOLD HER I WANT HER DIRECT NUMBER WHICH SHE STILL GAVE ME THE NUMBE RON THE BACK IM AT WORK AND CANT CONTINUE TO TAKE CALLS AND IM SURE THIS IS NOT EVEN ILLEGAL FOR THEM TO CALL ME MULTIPLY TIMES AND ASLO FOR THEM TO KEEP CALLING A SPOUSE WHO DOES NOT EVEN OWE THE DEBTOR IS JUST CRAZY
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a promotion ( from SoFi credit card ) through the app for XXXX XXXX apr on balance transfers through a certain date ( past mid XXXX ). I had another card ( discover card ) that the XXXX XXXX was ending in XX/XX/XXXX, and I wasnt able to fully pay it off before the end date of the promotion ( new card ). 

I tried to do the balance transfer through the app, but it didnt go through several times. Eventually, I ended up calling in, and a representative did it for me over the phone. I went over the promotion with her and verified that I would get a year of XXXX XXXX apr from XX/XX/XXXX to XXXX. She confirmed it before executing the transaction. Furthermore, she even recommended not using the card for any other transactions, to keep the promotion active. 

In early XX/XX/XXXX, I received a finance charge of {$71.00}. I called in to find out why, and the rep told me that the interest kicked in. This didnt make any sense to me, because I didnt do a balance transfer and pay XXXX XXXX on the balance, only to be charged XXXX months later for interest. I had other cards I couldve used, but chose this XXXX - and this happened. I complained and asked them to file a work case. 

I called in a week later to find out about it, and the rep told me it was still in progress. I called twice in XXXX and was told the same thing. I just called XXXX minutes ago, only to be told that the case was closed XX/XX/XXXX- not in my favor. What happened to when I called in XXXX? And those XXXX reps I spoke to didnt record the fact that I called ( maybe because they were rude to me ). 

I truly believe the offer changed because I read it and went back to it for around XXXX weeks before I pulled the trigger. Even If I were wrong, their product advertisement was misleading and the initial rep did misrepresent the offer. I wouldnt have done the balance transfer, if I had known. The rep I just got off the phone with assured me theres nothing that he could do. Prior to this transaction, I didnt use the card for months. I didnt move {$5300.00} and pay XXXX XXXX  of that to only get charged more interest than the Discover card. I regret doing that because of this experience. Is there any recourse here?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit report that I did not authorize from XXXX XXXX XXXX dated XX/XX/2017.
Product: Vehicle loan or lease

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : NISSAN-INFINITI LT : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks