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

. I looked at my XXXX XXXX Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 16815-2 they are suppose to 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 accounts is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do XXXX review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the XXXX research. Account XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions.

this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.
Product: Vehicle loan or lease

I have already started a separate case with them that still have not been fixed. Here is a new one. 

XXXX XXXX XXXX Customer Service XXXX Hours : XXXX - XXXX XXXX Monday - Friday Still are creating fake return payments fees on my account that I have had on Autopay since XX/XX/XXXX. I noticed the late payment fees started in XXXX. So I have been keeping an eye on my account and here we go again. I am attaching to proof off all the fake return payment fees that are reaching over {$1000.00} in charges making me stay in a contract thats probably al ready paid off. You will see when I when get charges these fees I had a credit from the company so why was I being charged? The company is not reporting how much I owe left on the car to the credit report agency accurately either. You can see the proof of this in the attached statements as well. When I called and asked why the person told me there is a glitch in the system and that fee as already been paid when I asked to speak with a manager I was told to hold and then hung up on. When I called back I was on hold for XXXX hours then hung up on again. The fact I still do not have access to all my statements I can assume I was charge in XXXX of XXXX too but that statement is not in the account. Please help me.
Product: Mortgage

Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the XXXX XXXX XXXX  department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( VP XXXX XXXX  Portfolio Manager ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.
Product: Credit card or prepaid card

Yes i have an account with XXXX credit card i pay my minimum payment each month but it all goes to fees and interest i never seem to get ahead in payments.i talked to them and they were not helpful.please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit due to errors in transunion credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on an account with XXXX XXXX XXXX that was charged off for {$140.00}. I am not responsible in any way for that charged off amount. The account is not in my name. I asked the account holder to put me as an authorized user to help me build my credit. Well now the account is charged off and is drastically hurting me when I apply for credit. I have disputed this account with the credit bureaus MANY TIMES. The most recent time was this month. I have asked the bureaus to validate that this account is reporting correctly on my credit report. XXXX has deleted the account from their file because they could not validate it to me with proof. Experian and XXXX have not removed the account. Experian keeps saying that the account is verified but will not show me any proof of verification. How is that correct? How can one account have the same information and one bureau not able to verify yet the other two are able to verify the account? That sounds impossible.
Product: Credit card

I have been banking with Chase for almost ten years. I always use their checking account as my primary account. I never pay the bill late and keep a great credit score. However, about 4 years ago, all my credit card accounts with Chase got cancelled without any reason. In the past four year, my credit application with Chase always got rejected. I really want to fix the relationship with credit card department with Chase.
Product: Credit card

I received a credit card today from XXXX ' Synchrony Bank that I did not apply for. When I contacted Synchrony Bank 's Fraud department, they refused to cancel the card unless I would give them my social security number. Since I do n't know the " bank '', I am not giving them any personal information other than the card number I want cancelled. They told me to research them & then call back when I would give them my SSN #. Possible identity Theft?
Product: Credit reporting or other personal consumer reports

I discovered unauthorized hard inquiries on my credit report that violate 15 USC 16c-2. These entries are incorrect and negatively impacting my credit score. Kindly delete them.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to Equifax via XXXX certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into the following inaccurate items on my credit report : Negative accounts reporting inaccurately, including a bankruptcy with discrepancies. 
Incorrect addresses. 
I ensured that my dispute letter included all necessary documentation to verify my identity, such as : A copy of my government-issued ID, A copy of my Social Security card , and A recent proof of address. 
Despite following proper procedures, I have not received any response from Equifax regarding my dispute. XXXX failure to respond to my request violates my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit bureaus to investigate and respond to disputes within a reasonable timeframe. By disregarding my dispute and request for an investigation, Equifax has violated these legal obligations. 
This failure has caused ongoing harm by allowing inaccurate and negative information to remain on my credit report, including the bankruptcy with discrepancies.
Product: Debt collection

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : XXXX I am XXXX, and these people are buying up all my old debt and threatening me. They have another case against me with a debt I do not owe I keep filing that dispute, but some kind of way you guys are ignoring me about that one. I am XXXX I do not have any funds. Why are they allowed to buy old debt? I do not owe these people anything.
Product: Credit reporting or other personal consumer reports

I had my information stolen. I live in XXXX, and someone in XXXX  opened an account with a credit union in my name, and attempted ( or did ) buy a vehicle in my name. They also applied to like 4 other things and they all appeared on my credit report as hard inquiries.

I contacted the bank ( XXXX XXXX ) and they closed the account and opened up a police report for me, but nothing came of that. I reached out to all 3 credit bureaus and they did not remove any of the fraudulent inquiries that were done under my name in XXXX, so my credit has plummeted as a result of that, and nobody seems to care about fixing that. The hard inquiries that were done that were not requested by me were all done at the beginning of XXXX of XXXX. They are as follows : XXXX XXXXXXXX ( Finance/ personal ) - XX/XX/XXXX XXXX  ( Banks ) XXXX XXXX  XX/XX/XXXX XXXX  ( Finance/Personal ) XXXX XXXX XXXX XXXX XXXX ( Finance/ Personal ) XXXX XXXX XXXXXX/XX/XXXX I would like these 4 things removed from my credit report, because I did not apply with any financing companies, banks, or anything else at all in XXXX. 

Attached are the dispuite letters I sent to all 3 credit bureaus asking them to remove the issues with my credit report.
Product: Payday loan, title loan, or personal loan

XXXX of XXXX there was this company called XXXX XXXX soliciting the remodeling of home bathroom located inside the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, TN XXXX. Therefore, I filled out an application for free home estimate. The XXXX XXXX representative came to my home late XXXX of XXXX. The XXXX XXXX representative presented an estimate of cost for two restrooms inside my home. The XXXX XXXX representative advised financing was available ; therefore, the financing for the funds to complete the project where financed through a bank called XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. XXXX offered no payments nor interest for 18 months if paid off before the 18 month period there will be no interest applied. XXXX approved the loan and the XXXX XXXX  representatives contracted the work. XXXX paid XXXX XXXX. In XXXX of XXXX came into a large amount of wealth. However, I had never started my first payment with XXXX. I called XXXX Customer Service to get an early payoff. The XXXX representative quoted the early payoff. I asked the representative several times before retrieving a cashier check was the payoff amount correct. The XXXX representative assured that the payoff amount quoted was correct according to the system. Therefore, XXXX received a check from me in the quoted payoff amount. In XXXX of XXXX just being curious about my credit score I pulled my credit report only to see XXXX showed a balance. Nevertheless, I contacted The XXXX Bank in question of the account. After, being placed on hold several times finally a representative advised that a complaint would be file for me. I received a call from XXXX in XXXX of XXXX stating the investigation was complete. Upon XXXX investigation, they stated the check was short ; therefore, the interest was applied as well. I asked the XXXX representative why wasnt any contact sent by mail, email or phone to advised that my contract was at fault. I never heard or received anything information from XXXX informing me until XXXX of XXXX. I asked XXXX to forgive this debt because they received a large amount in XXXX. The XXXX refused and now theres a third-party company calling now trying to collect on a charged off account.
Product: Checking or savings account

Dear sir / madam, This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. 

Please refer this complaint to the right agency to investigate. 

I further request that this account with this bank be audited by the right agency. 

I also request that the bank provide all the email communications that they have received from me, as soon as possible. 
==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 

Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 

The merchant continued to charge my card, however, even after I had canceled the transaction with them. 

I disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 

The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 

The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 

I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 

I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 

I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 

The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 

I have never received the goods and need a full refund. 

Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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: Vehicle loan or lease

My vehicle was stolen and was never found. My insurance company paid out both me and the lease holder ( Mazda Financial Services ). I confirmed with Mazda Financial Services that they received their payment and show a {$0.00} balance with regard to the lease. However, Mazda Financial Services told me they would continue to charge me my monthly lease payment ( 2 months in at this point ) until they received a specific letter from the insurance company. All of which is out of my control. So even though the lease had been paid off and had no balance Mazda Financial Services said they are not going to close my account and stop payments on their end until they get the paper because " that's just the way it is '' as they put it. So I am paying monthly for a car that doesn't " exist '' and which everyone has been paid for.
Product: Credit reporting or other personal consumer reports

I dispute the inquiry listed on my credit report as I did not authorize it. According to 15 U.S.C. 1681, section 602A, I am entitled to privacy rights, and under 15 U.S.C. 1681, section 604A, Section 2, it is clearly stated that a consumer reporting agency can not furnish an account without my explicit written instructions.

As I did not provide authorization for this inquiry, it is in violation of my privacy rights and the aforementioned statutes. I request that this unauthorized inquiry be promptly removed from my credit report to ensure its accuracy and compliance with federal regulations.

Thank you for your attention to this matter, and I trust that you will take the necessary steps to resolve this dispute in accordance with the law.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice that my credit score went down from a debt in XX/XX/2011 and have never received anything with regards to this debt. The debt was turned over to a collection agency and it is hurting my credit score I have worked so hard to build.
Product: Mortgage

As of XX/XX/2016, by my loan documents, I am no longer required to pay for pmi. But BofA still says I have to pay for another month because my XX/XX/XXXX payment fell on XX/XX/XXXX. They say I will no longer have to pay it come XX/XX/XXXX payment. They disregarding the terms of my contract.
Product: Checking or savings account

XX/XX/2023 I became a victim of fraudulent activity and theft involving my accounts with Chase. The hackers disputed XXXX claims stating payments I had legitimately made to my mortgage, car, credit cards payments and utilities over a year ago. Chase was neglected and never informed me via phone, text, email or other communication and advised until later XX/XX/2023. This is when I went to a local branch and discovered all the fraudulent activities. The hackers were able to complete transactions of cashing out the money Chase had given temporary for those disputes. I would never authorized or make these type of transactions totaling {$18000.00} as it would put my housing in jeopardy as it currently is. I have filed a claims against those transactions and havent gotten anywhere. They were able to retrieve the money via XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. I am now delinquent with my mortgage and car and other bills on payments I had already made and had no intention of disputing with my bank as it will fraud. I currently have no funds in my accounts and Im currently negative. My credit is also been impacted. I should of been protected by my financial intuition in securing my money as the market themselves. Zero liability protection. They should of stopped this from happening as it should been a reg flag to them. For example someone stopping their mortgage payments from last year. I also have had a relationship with Chase for over XXXX years which they are now suspending due to their own negligence. I dont know what else to do as I have also called the police and opened a case. I HAVE never authorized any of those claims and removed any funds from my accounts. Now Im behind all my bills after being up to date with them. I have also reached out to XXXX XXXX, XXXX XXXX and the rest as well as the credit bureaus to advise I was a victim of fraud an identity theft as the hackers have all my information. I have also file a complaint with the local police in XXXX as some of the money was transferred there. Im in desperate need of help and guidance. Im a single XXXX and have no financial support. I have advised Chase the money belongs back to my creditors or its Chase money. I want to be right with everyone. I can provide any information needed that I might have Cant upload them as there too many. 

Thank you