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

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unauthorized information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am a victim of identity theft. I had filed a dispute with Experian but there has been no update. I need these hard inquiries off and seems like there is nothing that has been done. 

The hard inquiries are XXXX XX/XX/XXXX, XXXX is one there twice when it is only suppose to be on there one time. I do have a credit card with them. Also XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX
Product: Mortgage

I currently have my mortgage with Chase. I divorced back in 2011 and applied for an assumption to remove my ex wifes name. It was part of the divorce decree and my ex executed a quitclaim on said property. 

Chase denied my recent application for assumption citing that the modification had a XXXX year clause before any changes could be made to my exisiting loan. Upon reviewing the loan modification, which I have attached, I do not see where I had agreed or was aware of any such restriction. 

By order of the court/divorce decree in 2011, I called Chase and advised of my situation and looking for the best possible solution to resolve this matter. Chase send us the loan application to remove her name from the loan XXXX Assumption XXXX. Our bank loan processor was negligent in keeping us apprised our loan progress. After several attempts and weeks, we received a confirmation of a loan modification. Upon submission, our loan processor assured us that we could do both a modification and removal of her name in XXXX process. 
Upon receiving the confirmation paperwork, the only thing that was done was a modification AND Chase DID NOT removed my ex wifes name. This was the whole reason for us approaching Chase. We are very frustrated and are on the verge of losing our home because of incompetence and lack of good customer service on behalf of Chase Bank. 

As things stand right now, we are in contempt of court and will lose our home due to a technicality that I do not see in the mod paperwork. 

I am not a banker or expert on loans. I relied on my loan processors/customer service rep to guide me through this process. 

I have been trying to get a straight, smart intelligent answer to what I am trying to accomplish with my mortgage. My loan payments have been on time. 

Thank you kindly for your consideration.
Product: Credit card or prepaid card

XX/XX/2020 2 female XXXX  stole my card and stole {$6000.00} from me. I was issued the card because I was awarded unemployment due to Covid-19 because of me having a pre-existing condition. The name of the suspects are XXXX XXXX and XXXX XXXX. They both was caught on video using my card and both was later arrested. I have provided all required documents per XXXX XXXX County Police Department and The District Attorney Office to get my money back. Way 2 Go will not refund my money and I don't know why. 2 XXXX  stole from me and XXXX XXXX XXXX has a do not care attitude. It's been a year since this happened and it has turned my life upside down.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXXXX/XX/year>
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA - they are required to '' ... .Promptly delete all Information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible.Thank you.
Product: Mortgage

Mortgage company fraudulently debited bank account for mortgage payment in XX/XX/XXXX resulting in overpayment of account and overdraft of bank account, discussion held with bank representative in XX/XX/XXXX reflecting the overpayment and credit being issued for payment due in XX/XX/XXXX, payment for account had already been sent and should have credited for XX/XX/XXXX which brought account current, notice sent sometime later in XX/XX/XXXX stating that payment had not been received and that account was behind. Tried to contact bank rep that assisted in bringing account current but was advised that no such bank rep could be found. Continuous contact with bank reps have not remedied the situation and late charges and other fees have been added to the account fraudulently since XX/XX/XXXX, have exhausted recourse through bank reps that have all this information in the record but have refused to review it. Contacted XXXX XXXX to help with this matter in XX/XX/XXXX but have had no remedy from the mortgage company now in XX/XX/XXXX.
Product: Debt collection

Week of XX/XX/XXXX, a company who calls themselves " First Financial '' called my XXXX year old mother 's home looking for me. Mother 's phone # XXXX. The call came from # XXXX. They asked for me by a prior name, ( XXXX XXXX ). I haven't had the last name XXXX in over 9 years. They told my mother they were looking for me to collect a debt and they had a 'claim ' against me. My mother tried to find out more information but they refused to give her anything. My mother was highly upset which is not good for an elderly woman. I personally called XXXX to find out more about it. I spoke with a man calling himself XXXX who said he was from XXXX GA, company named First Financial. I asked what he wanted and he said he had a claim on XXXX XXXX. I told him my name was no longer XXXX XXXX. I asked him to stop calling or at least mail something to me and he refused. I asked him to stop calling my mother and he said until it's resolved he won't take the name XXXX XXXX off of his list and won't take my mother 's phone number out of his list either. I want this stopped. I had a bankruptcy in XXXX under the name of XXXX XXXX and I shouldn't owe anyone anything.
Product: Credit card or prepaid card

I payed my Credit Card Balance. It did not post until 1 day after the due date. I did not realize this. The company proceeded to charge me late fees, that I was not aware of. This happened again the next month due to balance from original late fees, again not aware. Company refuses to re-credit late charges.
Product: Debt collection

This debt came from XXXX XXXX who reported the debt to XXXX in XX/XX/XXXX however I submitted the receipt and they sent a letter they would remove the information. In XX/XX/XXXX now the same debt is with Southwest Credit Systems. I asked them more than once to remove this inaccurate information however it still remains on my credit report.
Product: Vehicle loan or lease

Ive spoken with Westlake Financial XXXX XXXX throughout the year 2023 recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. Westlake requested the dealership to buyback this loan. They did not. Thats why this is on my credit Westlake Financial told me. However, through all of my digging its been verified through Westlake Financial that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per Virginia law. This agreement was never fulfilled at the start. Therefore the contract is null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my bank account with Truist back in XXXX or XXXX of 2022. There was a XXXX XXXX credit line that I paid off and was told that it would close along with my checking. I recently got my credit pulled and Truist is reporting delinquent with past due amount of {$3.00}. I have now which paid that. I was not notified that there was still a balance due on this account. I was under the impression that the account had been closed. I have reached out to Trusit and asked if a letter can be sent to have this taken off my credit report as I feel this was a banking error on their end.
Product: Payday loan, title loan, or personal loan

I had a loan with Sun Trust Bank, now called Truist Bank. I started working with XXXX XXXX XXXX. I was told to stop paying and they would negotiate with Truist Bank on the loan. After a couple of years of default, I never received anything in the mail from them. I assumed they were working with XXXX XXXX XXXX. The next thing I knew, I had a received some paperwork from the courthouse in the mail. They had supposedly sued me and when I didn't respond in 30 days, they tried to get a judgement from the court. I was never served. Thankfully, the court dismissed the case. I'm working with the lawyers that contract with XXXX on a resolution but because it got so far they are asking for a ridiculous amount of money they know I cant pay. I'm upset with XXXX XXXX XXXX for allowing it to get to this point. I was under the impression they were negotiating with them. Furthermore, when I asked if I can try to settle on my own, they advised against it. And second, I believe Truist Bank is being unethical. They know they did not serve me and still tried to get a settlement from the court since I didn't appear even though I was never served. The attorney on this case are XXXX XXXX in XXXX, Arizona. I'm frustrated because I feel I'm being taken advantage of in this matter. I believe the law firm is trying to see if they can get away with it even though I was never served. XXXX XXXX is trying to wash their hands of it as well.
Product: Credit card

Fraudulent charges were charged to my credit card in the amount of {$3100.00}. I have a Fifth Third Bank/ XXXX credit card.
Product: Payday loan, title loan, or personal loan

I tried to get a loan with this company XXXX XXXX. They approved me for {$2000.00}. After approval they contacted me and told me that there were going to deposit {$800.00} into my account as a versification process that I would then have to withdraw and send back to them. This sounded highly irregular so I declined. They then proceeded to tell me that it was too late and that if I did not return the money to them after the 2hr time period it would take to transfer the {$800.00} to my account that they would contact the local police and have me arrested. They also said they would contact the SSA to get the money from my taxes. I told them to cancel everything. I dont want the loan. They refused to cancel the loan process. This happened today XX/XX/18 between XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by PORTFOLIO RECOVERY ASSOCIATES is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of XXXX on the XXXX day of XXXX XXXX. The claim presented by Portfolio Recovery Associates has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 )  XXXX XXXX XXXX ( unknown authorize user account ) 3 )  XXXX/XXXX  XXXX
Product: Credit reporting

Hi I 've been having an error address in my credit report history for years now. It links my name with a XXXX State address at XXXX XXXX, I have never lived in that state, I have reside at XXXX, XXXX for all my life. I have made a police report on this matter years ago but nothing has been resolved. I have put my social security on a three months fraud alert every now and then. This address have had Fraudulent phone account and cable satteliite on my name before which i had disputed. I 've been wanting to fix this problem but i have hit brick walls with this issue, what else or whom can i speak to. Please someone help me i would like to build my credit score for future house owner but i am scare if someone will keep using my info for fraudulent activities. ME MYSELF CANT EVEN QUALIFY FOR ANYTHING LIKE MAGAZINES SUBSCRIBING OR CREDIT CARDS BECAUSE OF MY SOCIAL SECURITY ALERT THAT I HAD TO MAKE FOR FUTURE FRAUDS.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent because I checked my credit report and some unauthorized inquiries are showing up. I have no idea why these unauthorized inquiries appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is misrepresenting me my character my credit worthiness, not to mention my reputation, they are reporting lies and violating my rights under 15 USC 1681 ( a ) ( 1 ) XXXX XXXX is stating they are not the correct company, They only report information from XXXX and Equifax. 
My score on Equifax is showing as XXXX, and at the same time the score on XXXX XXXX is showing as XXXX. 
How can XXXX XXXX state, Incorrect Company ( from the first time they received this complaint ). When they are reporting the wrong information
Product: Credit reporting or other personal consumer reports

I have submitted disputes for XXXX XXXX credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my credit score to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all 3 credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately. Other credit bureaus have removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are Experian, XXXX, and XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX BANK 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 instructions.
Product: Checking or savings account

I had signed up for a Citi checking account that advertised a {$700.00} sign up bonus. After meeting all the requirements, Citi bank has still not paid out the bonus amount. Their customer service staff gives wrong/different answers every time I call, and in general Ive been getting a run around. Their executive office did confirm that I met the requirements ( as the attachment shows ), Ive sent in my w-9 form, but nothing has happened. For anyone looking to use this bank they should stay away. All they have done is cause emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing offered pandemic forbearance on my mortgage loan payments ( account # XXXX XXXX beginning with my XXXX, 2020 payment for three months, and then extended an additional 2 months, through XXXX, 2020. During that time, I had several conversations, which they informed me were recorded, acknowledging these arrangements, and with understanding that payments would be added to the back end of the loan. Moreover, we reached an agreement to modify the loan moving forward as well. At no time was there any discussion about paying the balance in full at the end of the forbearance period ; that would be very difficult, and very unreasonable to do under the circumstances. My conversations ALWAYS were with explicit understanding of the amount due being added to the loan.I was shocked to find that the payments were marked as 120 days past due on my credit reports, without any notification whatsoever. I have tried repeatedly to get someone at Specialized Loan to discuss this, and have left several messages to call me back, but no one has. Their negligence and complete lack of communication is costing me dearly in destroyed credit scores, and inability to conduct any business that involves borrowing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the XXXX Department of Regulatory Affairs.I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.
Product: Checking or savings account

RE : Previous complaint No. XXXX - **** Inadequately disclosed outrageous early withdrawal Penalty. **** I finally did receive a copy of the " Deposit Account Agreement '' which I requested from Discover Bank with 3 or 4 phone attempts starting well over a month ago. Thank you. While this agreement does show the early withdrawal penalty for my 10 year CD being the outrageous 24 months of simple interest I was not well informed of this penalty being the 24 months instead of the 7 months penalty of my previous 2 CDs with Discover Bank. It is claimed by Discover Bank that this online application was electronically signed which I do not remember but would not have agreed to the 24 month penalty if it was made apparent to me. It had to be concealed in " fine print '' somewhere - I now understand why - who would open a CD with a 24 months penalty for early withdrawal. 

I want to be refunded 17 months of simple interest.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company calls me 6-7 times a day. They rarely identify themselves when calling. I am constantly cursed at, threatened that they will show up at my home, tell my supervisors " what I have done '', threaten to arrest me, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXthe talked to XXXX XXXX XXXX XXXX to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with transunion please fix. XX/XX/XXXX the per attached pictures said late changed to current per XXXX Last nightXX/XX/XXXX XXXX XXXX XXXX XXXX hit my credit with transunion again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification " JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. '' on XX/XX/23. Called ( XXXX ) XXXX to get more information about hard inquiry, wasn't able to provide me with any more information. Inquiry is due to fraud. Already froze credit and placed fraud alerts on all 3 credit bureaus. Also disputed hard inquiry with XXXX.