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

This is XXXX XXXX and I am submitting this CFPB Complaint to request that the inquiries being reported on my Credit File be removed in accordance with the Fair Credit Reporting Act. I previously sent a dispute letter on XX/XX/XXXX demanding the removal of the unauthorized inquiries being reported on my Credit File. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I have already made and attempt to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the Credit Bureaus believe that the dispute inquiries belong to me, I require the Credit Reporting Agencies to send me copies of documents proving such claims. In the event that no documents will be provided within the time allowed by law, I expect nothing but the deletion of the disputed inquiries.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.
Product: Credit card

Re : Closed Chase Freedom Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SS # XXXX Soon after XXXX XXXX, upon finding on my online Credit Card Chase Freedom XXXX Card activity a charge in the amount of {$500.00} that I did not authorize I contacted Chase Freedom Card 's Dispute Department. I was, given {$500.00} credit at once given the circumstances. This credit remained on my account for more than 8 weeks ; I justifiably assumed that it had become a permanent adjustment. 
Furthermore, I notified Chase Freedom Card 's dispute department that I had filed a police report with XXXX authorities against the perpetrator of the aforementioned, illegal transaction. The matter, that of altering/forging a credit card transaction is pending further State prosecution upon my initiation of it. 

I personally closed this account on XXXX XXXX, 2016 due to activity of a criminal nature that had impacted it on XXXX XXXX. The closing of my account which had been affected by unsanctioned activity was suggested by a Chase Morgan Representative as a precautionary measure -- to protect my credit from any further abuse. 

When I closed this account I was assured, in a recorded conversation by the Chase Rep. who initiated my request that my balance was - {$5.00} ; that I would be sent a letter within a week formally acknowledging my closed account along with a check for {$5.00}. Also, I was told by the same Chase agent that no preexisting, pending transactions existed nor were to be expected. 

I surprisingly, received a statement XXXX XXXX, 2016 ( ( Exhibit B ) indicating that I owed Chase Freedom Card, XXXX. 

If this statement is to be taken at face value, it appears to reflect either shoddy bookkeeping or fiscal misbehavior motivated by nothing more than petty, JPMorgan Chase XXXX XXXX greed. I ca n't imagine any banking institution condoling nor enabling illegal credit card behavior. 

If my latter suspicion holds water it suggest some devious criminal credit card conduct initiated by Chase Morgan 's Credit Card Division. 

I have repeatedly requested that they adjust the statement that they mailed me to reflect the pre-existing balance as it had been at the time that I closed my account, XXXX XXXX, 2016. Thus far they have refused to help me in any way whatsoever. My interest continues to accrue plus late fees for a check that was altered and naturally never intended to be tendered in the amount that it had be altered to reflect. Also, I requested that Chase notify XXXX of having done so and, that they mail me the {$5.00} that was indicated as due and owing at the time that I shut down my Chase Freedom Card account. Furthermore, I requested that they send me an affidavit indicating that my account was closed at my request and remains " closed & is in good standing ''. 

Should Chase JP Morgan fail to comply with my expressed appeal within several working days from your receipt of my notice I will be left with no other option than to escalate this matter to any and all higher authorities besides cfpb responsible for regulating their commercial activity. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXXXXXXXXXX
Product: Mortgage

I have a mortgage with Wells Fargo Bank. I switched my home insurance to XXXX on XX/XX/XXXX and it was paid out of my escrow account. I just received a letter that the bank had paid another home insurance company {$4600.00} on XX/XX/XXXX and added that to my mortgage since my escrow is now depleted. This other company was not authorized by me, I never signed anything giving them permission to be my home insurance company. 
The bank now tells me its on me to collect the money back from the other insurance company. 
I am saying its fraud they stole my money from my account and payed a bill without my authority. 
I ask the bank to please put my money back they made the error not me, they should have seen I had just paid for insurance on XX/XX/XXXX why would I buy it again on XX/XX/XXXX at double the price. Plus my original insurance is effective to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXXXXXX XXXX XXXX  I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt. 
2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your attention to this matter.
Product: Debt collection

In checking my credit, I found a collection for " Medical Payment Data ''. I called Radius Global Solutions and paid the balance using a credit card. I asked them for a XXXX-Balance email and a Letter of Deletion, which they said they would provide. I never got the email or letter, so I called them back. I got bounced around, transferred several times and then told that it would take 48 hours for the email and up to 60 days for the letter! ( I was not told this on the initial call. ) It has now been 48 days, still no email. I called them back, got bounced around again and then they gave me a number to call that did not work.
Product: Mortgage

We closed on our condo on XX/XX/XXXX. I was told that it would take a few months for the credit reports to show that mortgage is being reported. I started checking in XX/XX/XXXX, 3 months after and no mortgage was reported. I checked in XXXX, 4 months after closing, still nothing was reported. 

I emailed XXXX XXXX at Advisors Mortgage- my loan manager- with this issue and he said he did not know why that was. I also wrote that I was planning on refinancing this mortgage in XX/XX/XXXX and XXXX responded that he was going to help me with refinancing and check why mortgage was not showing as reported on my credit reports. 

I spoke to XXXX XXXX on the phone sometime in XX/XX/XXXX about refinancing or HELOC options. I also raised the continued issue of mortage not being reported to my credit reports, non of the XXXX credit bureaus showed history of me having a mortgage. XXXX said that he would have to run my credit report once again to see that it was not showing and then tried resolve it. I said, absolutely no to that proposition as hard pull of the credit history affects credit negatively. I have not heard from Mortage Advisors since. I feel that something is very wrong about a mortgage company not wanting to report to credit bureaus that I am paying for my mortgage yet when I want to refinance it, they are eager to help me and run my credit report again. This is wrong. 

I also called the operator at Advisors Mortgage and they said I needed to speak to loan manager for this but my load manager was not able to help. 

I have been paying my mortage every month on time since I closed on it in XX/XX/XXXX. It has been ten ( 10 ) months of payments that have not been reported to any of the XXXX  credit bureaus. I have exhausted all the options and do not know what to do. 

XXXX XXXX XXXX
Product: Consumer Loan

Hello i applied a loan from CAC credit acceptance Corporation for a loan on a car at XXXX based on my credit score, i being a first time buyer was unaware of the consequences with CAC, after the purchase of my car with in the first week my car was involved in a accident XXXX which i was n't at fault with and was considered a total loss, i reported to XXXX on the same day on the site of the accident at the time of the incident and took care of the issue i have n't even received my license plates, and CAC was also notified with this incident and has still reported a late fee which i did n't have to pay, i was sure about most of the new car payments start with 30-45 day after the purchase of the car, the most shocking thing wass i have n't received any of their CAC payment check books till last week, and they expect me to pay which i was n't notified at all, the last thing i was also shocked about that they have really messed up my credit score i was building by reporting that i have n't made a payment XXXX that my loan was n't cleared as they have cashed the check that XXXX has sent, and that their systems still has n't fixed that issue, which dully brought my credit score horribly low, all i'am asking for is justice and a fair play, and not to do this with the new comers who just started to work as well as to a person who just got a new credit card.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 

15U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX XXXX has been charging my Bank of America account, I tried to cancel in XXXX but apparently the person I spoke with did not do their job. I have also been charged at different times of the month instead of on a consistent date each month which made this harder to monitor their scam. The company also doesnt allow cancellation by email so theres no proof that I called a year ago. This should be illegal. Today they did give me a confirmation number but I dont trust them. To my knowledge I never received a refund of their fraudulent ways back in XXXX. I requested a refund for just the past year and was told they dont refund. They claim its a service for the past month on this months withdrawal. Im not expecting you to do much with this but I wanted an extra layer of protection in event they didnt cancel today. They have made way too much money off me as even their price adds up over 11 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
Product: Credit card or prepaid card

I have an american express gift card, i had bought it for {$1000.00}. 

I have been able to use it for a few transactions, but for the last couple of months every transaction on it has been denied. 

I also tried to readd it to my XXXX XXXX  after changing phones and that was also declined. 

Today the transaction was for {$92.00} while the card has a balance of {$350.00} I called in and there is no way to speak to a customer care agent of american express gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, XXXX, and Experian. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX and XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that I believe are unauthorized. These inquiries are negatively impacting my credit score and my ability to secure favorable credit terms. 

I did not authorize these inquiries and have made attempts to resolve this matter directly with the involved companies. Despite my efforts, they have refused to remove these entries from my credit report. 

I kindly request that you investigate these inquiries and remove them from my credit report to reflect accurate information. I have attached relevant documentation supporting my claim for your review.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15th U.S Code & 1681i- Procedure in case of disputed accuracy, and 15 U.S. Code & 1681 e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and whish to ensure that all the information is 100 % correct and accurate.

Bellow are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I bought XXXX gift cards from American express to rent car and the rental place was XXXX, so i didn't have a car when i got to XXXX Texas. So i called American express and put in a complaint so they took the money off the cards. They gave me a claim number XXXX. They told me i would here from them, but to this day they never have contacted me. I have contacted them many times they tell me there going to do something but, when i contact them the claim is always closed. I sent them the paper work but they claim they didn't get it. This is going on since before XXXX.
Product: Debt collection

I have a XXXX  account that had nothing to do with pay pal and since i thought you had to link them together. Wich i never did.. Didn t .know how but paypal collected my money with out my consent ... I never got a detailed description of the debt o owed and i have 2 emails which are different from paypal and XXXX XXXX. So i have no idea how they took my money in the first place but did. {$40.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX XXXX account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXXXXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) 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. also states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Dear Sir/Madam, On XX/XX/2020 I filled for a chargeback through Banco Popular. Since then I have been given no updates and when I called could not get any information. Yesterday on XX/XX/XXXX I contacted them again and was given this answer : " Your claim was previously referred to the merchant for consideration. We regret to inform you that until this moment the efforts have been unsuccessful. We are including the documents provided by the merchant for this transaction. '' ( Attached ) But no documents were provided. My guess is that the merchant didn't bother to answer. 

The merchant from whom I demanded the charge-back, never delivered the service I paid for and I have supplied the bank with all the information. 

I am ready to supply any evidence, correspondence you might need. 

Best regards, XXXX XXXX
Product: Vehicle loan or lease

Hello- I have been trying for WEEKS to get in touch with someone at The Bank of the West to change the account that my automatic payments withdraw from. Unfortunately, every single time i've tried calling ( 4-5 times ), i've sat on hold for almost an hour and noone has answered. 

I've tried communicating with them via their messaging portal, but their instructions dont work. 

I've tried communicating with them on XXXX and they direct me to email their social media account and then respond with a message for me to call their 800 number. The ONE time someone called me, they got into my voicemail and told me to call the 800 number. 

They are not making themselves available to me to properly transact on my account and, as a result, i may miss my upcoming payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts are in question. listed below continue to report on my credit report in violation of federal law. These accounts are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX