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

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person XXXX XXXX XXXX XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Debt collection

LVNV and XXXX XXXXXXXX XXXX  contacted me last year regarding a debit thats not owed to them. I asked them for a signed contract and please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor, date of last activity, my full, complete, and correct social security number that may help to identify me as the correct person you are trying to collect from, agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor and obligation between them and I that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay their company any money that they claim I own and all they sent was a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX, XXXX and Transunion to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Mortgage

Hello my name is XXXX XXXX I have made a complaint regarding my insurance back in XXXX I got a response back telling me that my insurance is canceled but I see now in my statement it shows its already paid but its not so I called my insurance to check if its paid and they told me that my insurance is apparently cancel but in my statement it apparently shows me that they made the payment on XX/XX/XXXX and now they returned my payment on XX/XX/XXXX but it has never been paid because I called my insurance and they inform that they never sent the payment to them also in my escrow disbursement history shows that they put {$2800.00} in my escrow disbursement history but it doesnt exist but in my statement they are adding my {$2800.00} to my loan so now I dont have enough money to pay any insurance because they are adding my money the {$2800.00} to my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a secured discover card, but discover refuses to activate it ( XXXX ) last four #
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 2 credit inquiries from the same exact bank which lowered my credit score. Not only that, but I didnt authorize either one. Its XXXX XXXX/XXXX. XXXX has also been charging me a monthly charge of {$39.00} which was not authorized and has placed an unauthorized alert on my credit file stating that I must be contacted by phone before extending any credit yet theres no phone number that XXXX will release. XXXX XXXX sent me a letter last week to let me know that.
Product: Credit card or prepaid card

I always make my payment online the XXXX  of the month.  This previous Sunday, I received an email saying my credit line was being reduced to my balance.  When I logged in to my account with Citi, they said my payment had not been processed.  I said this could not be possible, I routinely do the same thing every single month.  I checked XXXX XXXX  and saw an addition to my balance which terrified me since I have been working to reduce my debt and only making payments.  I called and spoke with at least 4 different Citi card managers.  They told me that my credit limit reduction had nothing to do with my supposed late payment.  This obviously cannot be true because it happened at the exact same time.  I made an immediate payment and they refunded my late fee but said they would not change my credit limit.  They were extremely unprofessional.  I have been a client since 1998 and have never had any issues with my credit with Citi.  I don’t want my credit line restored for purchases, I simply know how badly this will impact my credit score.  I have called the credit bureau prepared to defend myself and score.  They encouraged me to contact this agency to let you know what has happened and how Citi is handling my situation.
Product: Credit card

I was struggling to pay my minimum payments in XXXX and XX/XX/XXXX. I called the end of XX/XX/XXXX to ask that they cancel the credit card. They told me they would. Since then I have called in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them why they are charging me late payment fees and interest on an account I ask them to close. I spoke with them and told them the {$170.00} is all their fees I wouldn't have if they closed the account like I ask in XX/XX/XXXX. 

They told me today they will not close it and that they will continue assessing me late payment fees and interest going forward.
Product: Payday loan, title loan, or personal loan

File a personal loan to XXXX XXXX to consolidate 3 personal loan to a one single loan having low interest. I was approved {$36000.00}. 

I requested to pay off 3 personal loan company to pay off but the First Company Marcus Goldman Sachs did not received the payments amounting {$13000.00}. I still owe them full amount of my existing loan. 

When I call XXXX XXXX they told me they sent the Check # XXXX dated XXXX XXXX through XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX and it was cashed XX/XX/2023 with the endorsement at the back of the check. I verify XXXX XXXX for Marcus Goldman Sachs and pay off and address and it was all correct. Even the account number i file to them is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS  XXXX and XXXX XXXX- THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED  THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXXXXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION DEVILLE ASSET MANAGEMENT # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Product: Consumer Loan

I took a loan with Brookwood Loans ; XXXX, Ga. For XXXX months. After about a year, I was hurt on the job ( still not working ), I was Late with XXXX ( XXXX ) payment, over XXXX days. I then came back and paid the whole loan off early ( almost XXXX months ). They reported the late payment to the credit reporting agency. My complaint that even though I made XXXX mistake, why am I not allowed another chance? They say they would be lying if they told the credit reporting agency that we corrected this situation, what if I told everyone I knew not to do business with them and all their new business stopped!!! How does that work?!!!!
Product: Debt collection

PLEASE HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS OM HOW AND WHY THESE ARE REFLECTING IN MY CREDIT REPORT.
Product: Mortgage

On XX/XX/scrub>XXXX  I sent a copy of a refinance offer I was provided by a different bank and asked XXXX XXXX XXXX XXXX at Sage Home Loans whether they could match the refinance offer I had received. XXXX said that they could match it and sent back a loan estimate that *did not match* the offer from the other bank. He implied that additional lender credits would be provided at closing, which were never provided. XXXX failed to reveal that no further lender credit would be available until a few days before closing when it was too late to move to another bank because mortgage rates had already started rising again. In the end the difference between the offer I received from the first bank and Sage Home Loans final offer was more than {$1500.00}.
Product: Credit card or prepaid card

XX/XX/2019 I decided to set up automatic payments with Discover Card to ensure I was not as risk of submitting late payments. I utilized Discover 's instant messaging interface on the website. Upon indicating to the Discover customer service representative about my intent ( I have documentation of the correspondence ), the website timed my account out, therefore, indicating to me the customer representative set up my automatic payments. Unfortunately today I received a notification via XXXX XXXX that Discover issued a negative report against my credit score. Upon attempting to resolve this with Discover by paying the balance immediately, I was lied to by customer service agent XXXX XXXX who indicated it was illegal to make such corrections and disputes to previously submitted reports. I was also given information that Discover representatives indicated would not help my situation however would get me off of the phone. Before Discover sent the report to the collection department Discover did not attempt to contact me via phone nor text to indicate I was a past due amount on my account. I believe as a customer for 11 years, in excellent standing Discover should have at least followed up regarding the automatic payments, attempted to contact me before reporting to collections, and not lied to me in hoping to qualm by attempts to rectify the situation. It appears this might have been done maliciously in an attempt to accrue interest on the balance.
Product: Bank account or service

In XX/XX/2016 we were informed that a transaction we authorized was fraudulent. I contacted my bank, PNC to file a dispute. The dispute was filed and a provisional credit was issued. I received a 'questionnaire ' from them, completed and returned. I did not hear anything else and assumed it was resolved. 90 days after the dispute was filed, I saw that the provisional credit was removed from my account. I called back to PNC to inquire about this and they said they did n't receive my paperwork and I had to file another dispute, which I did. They advised that somebody would be calling. Nobody called and the money was then removed again. I called approximately three weeks ago to figure out what was going on and they said I had to file another dispute because that one was denied because they did n't have the information. I filed another dispute and then five days later I received a generic denial letter stating I 'm out of the timeframe to report a dispute. I then tried to reach the dispute coordinator multiple times with no callback. I filed a complaint with PNC for the lack of response. They were helpful, but refused to re-open the original dispute because they 're outside of their 60 day window. I advised that it 's not a new dispute and would like that re-opened due to the fact that since I sent in the original paperwork timely. When looking at Regulation E - 12 CFR Part 1005.11, subpart A, section b ( 3 ), " ... the consumer 's notice of error is timely if received by the financial institution no later than 60 days after the institution sends the information requested. '' Since I did not hear anything from them until the original dispute was declined and provisional credit was taken out, I assumed they received it, thus making my response timely. 

I attempted to explain my interpretation of the above to PNC. I advised them that I would like them to look into the original dispute due to me asserting there is an error in them not receiving my questionnaire. They advised they could not re-open. My interpretation of the same regulation, section e is that " ... except in the case of an error asserted by the consumer following receipt of information provided ... '' I understand for whatever reason they say it was never received but mailing it in and not hearing back caused me to assume that it was timely and there were no issues.
Product: Debt collection

I contacted the debt collection agency to ask for verification of the debt and they refused, stating that if my dispute was that I had already paid in full that was not a reason to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

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

15 USC1681c. ( 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 ante cedes the report by more than seven years.

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Statement of Facts : 1. Chase Freedom Card offered me " Access Checks '' to pay off another credit card. 
2. I called my other credit card company and asked if I could pay with this method, they said yes. 
3. I used the check accordingly. 
4. After a couple of weeks I called the other card company to check and see why the payment had n't posted. 
5. The other credit card company said that Chase had n't released the funds yet and asked me if I wanted them to run the check again if there was an error or something. 
6. I told the other company to wait until I could talk to Chase. 
7. I called Chase and told the representative what I was doing and he said that it was ok and to try again. 
8. I called the other credit card company back and told them to run it again if there was an error. 

Summary of the problems : Chase returned the check twice even though my available credit was greater than the check amount both times. This subjected me to XXXX {$27.00} check cancellation fees from the other credit card company. 

Chase needs to reimburse me XXXX fees totaling {$54.00} Even after explaining to Chase that I had called Chase to clarify the situation after the payment was delayed but BEFORE any return check charges were incurred, they were unwilling to help. The supervisor said that they can decline any payment for any reason they want at any time and that there was nothing that anyone could do about it because they reserve the right to review all payments. 

I asked if there was anything in their terms of service that excluded my method of payment. Her words as close as I can remember, " It does n't matter if our terms of service does n't say you ca n't. There is nothing in our terms of service that says we allow you to do it that way and that is more than enough. '' This is patently false and in fact the exact opposite of the purpose of terms of service. TOS in it 's simplest definition is not designed to be an exhaustive list of everything you CAN do. Instead, it is meant to outline how the respective parties ' activities are limited. Chase is the worlds largest bank. If Chase 's Terms of Service, policies and procedures are not explicitly exhaustive in their restrictions, its length and specificity shows that it is clearly intended to be. 

Their TOS does not limit me from this activity. Chase declining to release funds did cause me to incur an actionable loss and de facto violates their own policies, terms and conditions. This is further evidenced by the fact that upon my complaint they finally wired payment to the other credit card company electronically, without my signature, and with out a physical check. 

It may be a good idea for supervisors to refrain from offering legal opinions on behalf of Chase Bank. It is my opinion that this person should be coached to that end however they can do away with that suggestion if they wish. 

As this issue is over a month my only expectation is to be made whole on my {$54.00} loss without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to experian. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, there are some inquiries on my credit report, that I have been disputing for a while now, THAT DOES NOT HAVE PERMISSABLE PURPOSE. 

XXXX XXXX XXXX- XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b.
Product: Credit reporting or other personal consumer reports

FTC Report XXXX I never gave written consent to any of following to report on be have. Transunion, XXXX XXXX nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments
Product: Mortgage

I have XXXX mortgages with LoanCare and for the past 3-4 months I have been trying to sort out a missed payment. I pay through my bank and all payments appear to have been made on time and I have proof of payment documents. I have attempted many times to sort this out with LoanCare via phone and email to no avail. I leave messages ( as they say wait time can be up to 10 minutes ) but no one ever returns the calls. I have sent emails with proof of payment information but they have only responded 1 time and their response was incomplete. I am selling the XXXX home and will close today. When I received the pay off information they still do not have the missed payment and are charging a late fee as part of the settlement. Also I made a payment as directed by the title company on XXXX XXXX, 2017 and Loancare still does not reflect this payment.