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

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, Equifax, XXXX, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness.

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Product: Money transfer, virtual currency, or money service

I bought concert tickets for {$360.00} using chase quick pay and XXXX, it was a scam but neither Chase or XXXX will give me any refund or do anything about it to prevent this person from continuing to do this.
Product: Credit card

Nothing has happened a representative continues to call me to inquire about payment but can not adjust the bill, also they continues to call before XXXX a.m. eastern time until about XXXX p.m. at night. They call at least 4 times a day sometimes more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA it is the responsibility of the credit reporting agency to police the use of the ability to allow anyone to obtain access to my credit report without my written permission. Request hard injury to be removed immediately, Also I feel credit reporting agency do a better job of policing the use of credit access from agencies that abuse there authority
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with Experian I can not log into my account, I cant see my credit score at all!!! I even reset the account many times & have not reived any Email from Experian to reset my account to be able to log in, I used my password which is my email they are claiming I'm not registered with Experian, I have proof before this happened that the email they claim not registered is the same email Experian sent me emails numerous times in regards to my account! Experian is upset I reported them to the CFPB!!!! 
I was able to log into Experian with XXXX XXXX not anymore Experian blocked my access!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting : XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting : XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a cash reward account with Upgrade XX/XX/XXXX. Over the last year or so, I had been struggling to make the payments due a significant loss of income and requested a hardship plan. The plan ended and the payments reverted back to the original amount at 29.99 % interest. I called and advised I was unable to make those payment and requested a hardship extension but was denied. My payments for the initial hardship plan were auto debited from my checking account, I was advised this was a requirement to be enrolled. The payments were successfully made and when the loan resorted back to the original payments, my account was still on auto debit. I called the company on XXXX to advise my account was in a negative status because of the debit but was advised there was nothing that could be done about reversing the payment they just processed. I requested they stop the auto debit immediately and then contacted my bank. Today is XX/XX/XXXX and I received notification from my bank that the auto debit has gone through once again and my account is in a negative status. I contacted Upgrade and was advised by a representative named XXXX, that there's nothing they can do about the payment processed today but he did confirm that he did see where I called in on XX/XX/XXXX and confirmed my request to stop the auto debit. This is beyond unacceptable and these large multimillion dollar companies should not be allowed to debit someone's account without their authorization. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX continue to report inaccurate information on the account known has XXXX  XXXX XXXX. The account is charged off which means it is now a cancelled debt which per the IRS is considered a certificate if indebtedness which income can not be reported. 

The reporting agencies are reporting several inaccuracies. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Credit Limit : {$350.00} {$350.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX  XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Equifax are reporting late payments from XXXX XXXX XX/XX/XXXX and XXXX reports a late payment for XX/XX/XXXX. 

XXXX is reporting a collection for XX/XX/XXXX XXXX is not reporting late payments are collection. 

None of this account information matches therefore this account has not been properly reported or verified.
Product: Debt collection

XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME
Product: Credit card or prepaid card

Today on XX/XX/2022. I applied for a Credit card with XXXX card on Experian Credit Bureau agency. I was looking at my credit Bureau report. The credit card sections. Experian had three credit cards company come up and stated i was pre-approved and this wood be the best credit card for balance transfer. First of all Experian never stated I wood have a hard pull on my credit report. i understood to be a soft pull to no pulled with this being a credit Bureau agency. Small writing stated they were in partnership with XXXX card and the work together and this and two other card wood be a great fit for approval. Everything about the advertisement was false and misleading to me. I applied and was decline. XXXX took the information 's from the Credit bureau and ruled against me as a decline for a new credit/ bal transfer. Experian used the same information stated I should applied and wood be approved for the card. The whole credit. process through the Credit Bureau was misleading and false advertising. I am SORRY EXPERIAN YOU DONT GET TO MISLEAD CUSTOMER INTO THINKING THEY WILL BE APROVED FOR A CREDIT. I WANT THE HARD INQUIRY REMOVED OFF MY CREDIT REPORT AND APOLOGY LETTER. YOU DONT GET TO BREAK THE LENDING LAWS!
Product: Vehicle loan or lease

Santander knows that my car was in a total out accident. Which wasn't my fault. They had my insurance payment held it for about 10-15 days. Then applied it to my account. Now they turned around and reported me to the credit reporting agencies on XX/XX/2019. Like they never received any payments from me or the Insurance company. They have me 30-55 days late. This also brought my score down alot. which has now ruined me from my home purchase which I was in the middle of doing. So now they are going to turn me down for my loan because Santanders just caused me 40 plus points on all three of the credit reporting agencies. I believe they did this purposely because, I made a complaint to your company two weeks ago about them charging me late fees once they applied my insurance payment to my account. They also told me that it would take them 3 to 4 days to apply the other {$3300.00} Insurance to my account and that was last Friday at the beginning of the month and its the XXXX and they have my account still not correct. Im requesting to take legal action against this company and requesting for monetary damages. I was expected to close on my loan on XX/XX/XXXX but, now that my score has went down and they repull my credit for closing I will be turned down for the loan and its Santanders maliciously intent to cause this damage to my score.
Product: Money transfer, virtual currency, or money service

My checking account with JP Morgan Chase is XXXX. 
I have wrote more than twice to the customer service but they did not answer my question directly and so I am seeking your help. 
I withdraw from an ATM in XXXX for XXXX peso from my XXXX XXXX account ( it come with no ATM fee worldwide ). My account indicated about {$330.00} ( {$330.00} subtract {$4.00} fee rebate ) for that withdrawal. 
This translates into XXXX exchange rate which is ridiculous as JP Morgan is converting this at competitive market rate. All the money exchange booths around the ATM area show at least around XXXX. 
I check with JPMorgan what rates they gave me, and whether there is other fee that they did not reimburse me. They never answer directly to these two simple questions after at least two emails enquiry. It is either they XXXX  me over the exchange rate or they did not reimburse me all the fee involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all I am a veteran so I cant get payday loans. Look me up. Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me. Also where is my actual signature. Electronic signature I would never do that for a loan. 
2nd this person was awfully rude. Unbelievably rude. 

That is not my bank if you must know. I go to a well known bank which I wo n't be giving any information because I still do not know whom this company is. 

Because I do not know whom you are. The number you gave me was out of state. Now you are being incredibly rude to me.
Product: Checking or savings account

On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX XXXX. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. 

Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. 

I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am permanently XXXX and this is my only income ( see attached XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please see attached - there is wrong and incorrect Personal Information on my credit report that needs to be fixed as soon as possible.
Product: Payday loan, title loan, or personal loan

Lending Club made an unauthorized withdrawal from my checking account in the amount of {$19000.00} on XX/XX/2020. I called Lending Club on XX/XX/2020 and their representative told me that she would send my complaint to their treasury department, but that she could not guarantee the they would return the money. I called Lending Club again today and the phone call ended with a " supervisor '' named XXXX, who insisted that they would not reimburse me for the unauthorized withdrawal and that I was responsible for any fees from the creditors to retrieve the money. I point out to XXXX that Lending Club did not deposit {$19000.00} into my checking account and I did not authorize Lending Club to withdrawal {$19000.00} from my checking account. The call ended after 1 hour, 18 minutes and 45 seconds. To date, I have spent more than 3 hours on the phone with the Lending Club over their fraudulent representation. I didn't do anything wrong. I simply responded to their offer to finance a {$20000.00} consolidation loan at 16 % APR. They approved the loan for {$20000.00} at 16 % APR, but I was only loaned {$19000.00} and the actual APR was over 22 %. I cancelled the loan before any of my creditors were reimbursed. And I agreed to their terms to pay back the balance, except for any fees from my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached the documents showing these accounts should be updated and deleted from my credit report Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. ACCT NAME : XXXX XXXX ACCT # XXXX AMOUNT {$1700.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with THE Fair Credit Reporting Act, ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX ) ( XXXX XXXX ) has VIOLATED MY RIGHTS.. 

15 U. S. C 1681 SECTION 602 A STATES : I HAVE THE RIGHT TO PRIVACY 15 U. S. C 1681 SECTION 604 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT WRITTEN INSTRUCTIONS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been hacked and after filing with them I 've found that my information may be impacted by this.
Product: Student loan

I am the co-signer for XXXX student loans for my daughter that was taken out in 2007. She has had extenuating circumstances in her life that resulted in not being able to pay the loan and it defaulted. Now that she is getting back on her feet she is trying to fix her credit. She called Navient to work out a payment plan. They gave her a payment plan they she has been on since XXXX. The loans are being reported as a charge off. As a result, that 's the way it 's reported on my credit report and I can not get a mortgage loan until the loan is paid off. The understand that I am just as responsible for the loan because I am a co-signer but I do n't think it 's fair that the credit report says charge off when she is actively making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

XX/XX/XXXX, we started getting in financial stress due to reduction in income. I contacted Wells Fargo, the holder of the mortgage on my home, to request loan modification. I was told that since I was not delinquent, nothing would be considered. Over the next few months, we got behind in our payments, and on XXXX XXXX, XXXX WF sent me a foreclosure referral letter. I applied in XXXX XXXX for mortgage assistance. What followed between XXXX XXXX and XX/XX/XXXX ( 18 months ) was a string of 27 written letters from WF, and numerous phone contacts between us. I was shuffled around with XXXX different WF employees. I submitted my paperwork three different times, as there would be lengthy delays in processing my request while personnel were replaced, necessitating resubmission of my information. XXXX appraisals were conducted as the first on became too old for WF to use. These lengthy delays caused my arrearage to increase dramatically. In XXXX XXXX, WF offered me a trial plan, but it required me to pay most of the accumulated arrearage up front, which by that time I could no longer afford to do. WF stated that the only option they had was to require repayment of most of the arrearage as they were restricted by the terms of the Mortgage Backed Pass Through Certificates trust they set up and administered. They stated that if they reamortized my loan, they would have to offer that to anyone else who was part of that particular trust, and they were not willing to do that. 
WF handling of my mortgage assistance application almost exactly parrallels their past misdeeds that resulted in the suit brought by the State of New York and other states, including Maryland, where a consent decree knows as the National Mortgage Settlement ( NMS ) was ordered by the US District Court, XXXX. In that Consent Decree, WF was required to respond to and process mortgage modification requests timely, modify loans reasonably, and prevent the accumulation of arrearages that made it impossible for homeowners to avoid foreclosure. In my case, WF violated nearly all the terms of the NMS Consent Decree. I was forced to apply for Chapter XXXX bankruptcy protection in XXXX XXXX to delay foreclosure sale by WF. The Bankruptcy Court is unable to order modification of my XXXX loan since it is on our primary residence. All I am trying to do is to reamortize the loan to incorporate the arrearage, even though the loan is XXXX % greater than the appraised value of the house, due to the housing crisis. If WF forecloses, they stand to lose more than {$700000.00} in arrearages and loss of value, yet they are inflexible. I have evidence of all the WF contacts over the last two and a half years. I have also filed a Complaint in the Circuit Court of XXXX County MD which is deferred pending conclusion of the Chapter XXXX Bankruptcy filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00}.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, of XXXX, Explore Credit debited {$680.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion and I have been turned down for a credit due to mis-reporting information. I have complete knowledge of the Fair Credit Reporting Act and understand that Transunion has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The other credit reporting agencies found inaccuracies with information listed and updated without incident. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX