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

I advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that XXXX, XXXX XXXX and Experian. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX  loan information. 

PROOF OF POSTAGE - XXXX ( XXXX ), XXXX - XXXX, Experian- XXXX.
Product: Debt collection

0n XXXX XXXX 17 XXXX from XXXX XXXX XXXX called my daughter in NC, my son - law in NC, my son in XXXX, Ma and left me a message too from a restricted phone number. XXXX, told my son his co had a warrant for my ARREST and needed him to get me this urgent message. My son hung up on him. my message stated he had a summons for me to appear in court to call Law Firm XXXX XXXX XXXX XXXX XXXX at XXXX with file # XXXX ..I called the number today and spoke to a XXXX XXXX who I told my family members were harassed and that my son was told they had a warrant and my message stated they had a summons for me to appear in court? I told XXXX XXXX this co is out of line, not licensed, not following lawful, guidelines. XXXX XXXX disagreed and did n't want to listen. I have not received anything from these people and they had an old address I lived at. I asked to have info sent to my correct address and he only threatened me and said I will be receiving a summons to go to court being sued
Product: Vehicle loan or lease

Payed off lease in full last XXXX. Hyundai Motor Finance said they sent it to wrong address. Requested Duplicate title. XXXX later nothing came. Company said they requested again. Nothing arrived. Called again and Hyundai Motor Finance said it was not processed properly last time, send email to " XXXX XXXX  '' told me to wait yet again. Its been a year now I can XXXX XXXX my payed off vehicle since i can not re-new the registration since the XXXX requires a the title.
Product: Credit card

I borrowed {$1200.00} to start a XXXX XXXX. I have been paying on this card from Chase bank for XXXX  years and the interest rates have not went down. The more I pay the more the payments increase. This has been going on for XXXX  years or more. No matter how much I pay it doesnt make a difference
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - CREDIT COLLECTION SERV XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information currently listed on my Experian credit report is not my credit inquiry or public record : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The credit inquiry or public record is fraudulent and unauthorized. XXXX XXXX and XXXX has deleted and removed the public record from my XXXX XXXX and XXXX credit report.
Product: Mortgage

On XXXX XXXX at around4pm California time a Real Estate Agent or Auction.com Rep was parked in front of my home at XXXX XXXX XXXX, XXXX, Ca. stating my house was going to be sold on XXXX XXXX at auction sale. 
The Reps or Real Estate Agents stated that house is listed on XXXX as Foreclosure and For Sale and it's true, because I saw my house listed on XXXX. 
I spoke with SPS Lender and Rep stated that I was in " Assumption '' in having my name on the loan as I have substancial income evidence to comply with the new loan assumption and Loan Modification. 

I have sent all documents requested by SPS Lender and rep stated they have all documents requested to move forward with the Assumptions and Loan Modification. 

A Assumption on the loan has to be done according to SPS Lender of XXXX XXXX XXXX because my Mom XXXX XXXX XXXX XXXX  with XXXX and I can take over the loan because I am on title on the house only. 
SPS Lender didn't want to add my wife on the loan because, they stated that she is not on title of the house. 
I don't have no Attorney to represent me, because I can not afford a Attorney, so I respectfully made contact with XXXX XXXX XXXX XXXX to assist me on myy issues. 
I have a family, with children, and, my Dad has a Lifetime Disability and Pre-Existing Medical Condition and we don't have no other shelter for my family, if we are foreclosed out of the house on XXXX XXXX. 
We will be Homeless and without shelter. 
My Dad XXXX XXXX is XXXX and Former-brother in Law XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX Veteran and he is XXXX Lifetime and Retired. 
We respectfully like to have a Amicably a positive Assumption and Loan Modification so we be able to rest in Peace and without stress. 
We don't want to contact the National News and Local News medias on my issues, as my Mom XXXX XXXX loan is in Fraud, Scandals and Corruptions and that's why SPS Lender, the XXXX XXXX XXXX wants to expedite the Foreclosure and Sale of my Mom XXXX XXXX and my home on XXXX XXXX at 9:00 am in XXXX XXXX, California. 
This is a very Urgent and Extreme issues!
Product: Checking or savings account

The company was Bank of America. I had a charge a couple months ago to my account of {$1000.00}. I contacted them about it and they closed my claim saying there was no posting error that occurred on my account. I tried to reopen the claim and they closed it once again. It happened on a Saturday at XXXX XXXX they had told me, the banks were closed so I couldnt report it until that week. So I did and they told me it was too late even though I had no other way but to wait to call them that week when they were open. I talked to supervisors as well, and they told me they wouldnt tell me why they wouldnt refund my money back to my account. He was very rude and inconsiderate. I couldnt even get into my account that day because they closed my account so I had no idea what was happening. Im very disappointed in there service. They treated me like XXXX and didnt care about my problem or {$1000.00} being stolen from my account.
Product: Debt collection

In late XX/XX/XXXX, I went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, in order to get two phones as I was replacing my personal cell and there was a special to get the 2nd phone at little to no cost. After being informed that I was not eligible to open a new account because another division of XXXX XXXX XXXX XXXX XXXX - said I owed them {$190.00}. The store manager got the clerical error resolved or so we thought but, at the end of the day I had gone across the street to XXXX and obtained two XXXX XXXX XXXX phones. My fiance and I had noticed that despite us not being XXXX XXXX XXXX customers we would see periodic collection attempts appear on my credit report for the {$190.00}. XXXX XXXX XXXX had told us both personally with store manager as witness that there wasn't any {$190.00} debt and each time the item was removed from my credit report once I filed a dispute. However, there continues to be collection attempts made and I had to file another dispute yesterday XX/XX/XXXX. This means that I have been the target of a campaign of harassment intending to use the power of a 50-60 point deduction on my XXXX  score each time they do this. The most recent violator was ANFI which I found on my XXXX credit report on XX/XX/XXXX and has already been removed but I still suffer the hit to my credit score. I am asking the bureau to take action to stop this illegal and immoral harassment.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern ; This letter is a formal complaint that you are infringing my rights under the Fair Credit Reporting Act. My distress is profound, stemming from your inclusion of the subsequent details in my credit report. Your oversight in instituting judicious mechanisms to uphold the pinnacle of accuracy in the credit narratives you disseminate is glaringly evident. Such lapses infringe upon a plethora of my rights, rendering you susceptible to civil liabilities.

According to the Fair Credit Reporting Act, you are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. You have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. Please understand that you are civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : 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, credit repair services, or other personal consumer reports

Experian and XXXX refuse to allow me to see my credit reports online. Experian just started this to me after I submitted the complaint against them through the CFPB. They refuse to accurately verify the accounts in question instead they just update the accounts with the fraud information. As far as XXXX they won't allow me to create an online account either they tell me I already have one every time I try to reset the password it shows an email that doesn't belong to me. I have brought this up which clearly indicates fraud but they refuse to help me. Instead, they send letters to my apt to verify my address which I have done several times and yet they won't update it. I will be uploading my pay stub as proof of address on this complaint. It is also against the law to prevent me from accessing my credit report. I have to rely on other sources to get my report. then they try to force me to pay a credit score that they won't even update. Experian sent me a letter in the mail that said I didn't have a credit file yet here we are still with this information they won't delete.
Product: Payday loan, title loan, or personal loan

This is reference with closed complaint # XXXX which actually was not properly closed. In letter dated XX/XX/18 XXXX XXXX refused to wave subordination fee in amount of {$130.00}. I've asked couple times PNC customer service about it and was told that subordination fee only applies to refinancing with other lenders. At least twice I've asked to document it in notes and was told that it was done. I've never sign any document to pay the subordination fee. Also {$130.00} was deducted from my payment to principal without my consent. In same letter XXXX XXXX waved late fees in amount of {$350.00} which actually was never done. I've checked all statements from XX/XX/2018 and there is no credit in amount of {$350.00}. 
Three phone calls to XXXX XXXX were never returned. It looks like typical policies of PNC, most of phone calls to managers were never returned and PNC is simply violating the most basic rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$20000.00} {$20000.00} No. of Months ( terms ) : - 72 Months Monthly ( due every month ) High Credit : - {$24000.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Charge-off Last Reported : - XX/XX/XXXX Comments : - CHARGED OFF ACCOUNT Date Last Active : - XX/XX/XXXX Date of Last Payment : XX/XX/XXXX THIS ACCOUNT DOES NOT BELONG TO ME, COMPANY DID NOT PROVIDE PROOF OF VALIDATION OF ACCOUNT OR VERFICATION OF DEBT AND PROOF OF OWNERSHIP
Product: Bank account or service

I applied for a Fifth Third Essential Checking account online on XXXX/XXXX/2016. My application was approved online and funded on that day. I opened the account because of the sign-up bonus for {$200.00}, which would be deposited after 90 days after completing the following : Qualifying activity includes XXXX online bill payments using Fifth Third Bank 's online bill payment service AND direct deposit. The monthly maintenance fee would be waived for the account if Maintain a combined monthly average balance of {$1500.00} across your deposit and investment accounts. I funded the account to maintain the {$1500.00} balance, but was charged the monthly maintenance fee each month. When I called Fifth Third to have the fees reversed, they reversed one month. When I called customer service again to check on the status of my bonus, after the 90 days have passed and I have completed the bonus terms, they stated that I did not open an Essential Checking account, but a Basic Checking account, which is not eligible for the bonus. I also inquired to have another month 's maintenance fee reversed and they stated that the Basic Checking account can not have the fees waived. I asked why I was placed into the Basic account when I applied for the Essential and they could not provide me with an answer. When I requested to have the account closed and transferred into the Essential Checking, they stated this account can not be closed until a year has passed. 

I contacted the local branch and spoke with XXXX XXXX and explained what had happened. He stated that he would reverse the monthly maintenance charges that were not reversed and close the Basic Checking account and transfer my funds into the Essential Checking account. He opened the Essential Checking account on XXXX/XXXX/16 and kept the Basic Checking account open until I received my debit card. I called XXXX again on XXXX/XXXX/16 stating that I have not received my debit card and to confirm the mailing address. Once confirmed, he said he would mail the card out again. On XXXX/XXXX/16, I emailed XXXX stating that I still have not received my card and would like my account closed and all maintenance fees refunded. In his response, he stated that two months were previously refunded and he would close my account. 

In the Basic Checking, I received 5 monthly maintance charges at {$8.00} each. There was a reversal of {$7.00} and {$8.00}. I was placed into the Basic Checking account without my knowledge or consent. I believe this is a deceptive practice.
Product: Credit card

Opened Wells Fargo Cash Wise Visa Signature Card on XX/XX/2016. A balance transfer of {$13000.00} and a balance transfer fee of {$390.00} were posted to the account on XX/XX/2016. The following payments totaling {$1100.00} were applied to the account : XX/XX/2016 {$390.00}, XX/XX/2016, {$390.00}, XX/XX/2016 {$340.00}. The first statement was issued XX/XX/2016 showing a minimum payment due of {$520.00}, including {$390.00} to cover the balance transfer fee. When contacted Wells Fargo refused to apply prior payments to first minimum payment although they were made prior to the first payment due date. Their only solution was to return the funds which they had previously accepted, but returned funds would not be received from Wells Fargo prior to first payment due date. Wells Fargo has purposefully, and deceptively increased the first payment minimum payment without applying payments made to the account prior to the first payment due date, specifically for the purpose of encouraging default and increasing fees and interest rate.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I sent a certified letter to the XXXX requesting detailed information regarding the investigation with results. No documents were received but, credit report was updated as " verified ''.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the three credit bureaus yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act.

Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX Balance : {$2800.00} XX/XX/XXXXXXXX XXXX Balance : {$7500.00}XX/XX/XXXXXXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I contacted XXXX, XXXX, and Equifax months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below. 

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms.

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a checking account by XXXX separate banks based on not being able to pass a Chex System inquiry. 
The banks all state that they have no control and can not override policy of opening an account without being able to pass Chex systems. They all three referred me to Chex System for resolution. 
I can not open an account solely based on Chex Systems. I had provided to the bank all other verification documents to the bank per their policy. Drivers license, SS card, proof of residency. 
I called Chex Systems and was directed to obtain first the online report. This report was clear, showing no information to report. There was nothing on it derogatory. Chex system told me that they dont make the decision the bank does, the bank says they cant open the account because of reporting theyve received from Chex Systems . I showed the clear report to each bank, each of them saying it was out of their control as long as Chex Systems continued to report me. 
I am offered no way forward, no way to correct or remedy it. I am just stuck in limbo and no one cares at all at either the bank or Chex Systems. 
How am I supposed to move forward and obtain a checking account. 
Chex Systems offered me an absurd explanation that because the banks had inquired to Chex Systems that their own inquiry perhaps disqualified me from an account within that same bank. 
Chex systems refuses to take ownership of the harm they are causing me by preventing me from opening a checking account or offering me any way to resolve the matter.