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

On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( Equifax, XXXX, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active. 

The account information is as follows : Equifax : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX.  This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
Product: Credit card

I received an unsolicited debit/VISA card from Chime.com ; Chime XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

XX/XX/year> - I received an unsolicited text from Chime XXXX stating " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXX '' My XXXX  received an email addressed to me stating that I have a Chime account. 

XX/XX/year> - My XXXX  called XXXX to report that a fraudulent account was set up. It was under my name, my phone number, but my XXXX  's email. They stated that they would shut down the account. 

XX/XX/year> - I received a Chime debit card/VISA in the mail with my name on it. 

XX/XX/year> - I tried to report the fraudulent card to Chime by calling the fraud number, which again, was XXXX. The only option was to have them call me back on my phone number, to verify the account, or provide the last 4 digits of my SS # and the last 4 digits of the card number. I tried both ; having them call me back 2x and it disconnected me 2x. Then I selected the other option, input my info and it disconnected me again. They knew my name, SS # last 4 digits, phone number, etc. and that I had an account connected to the phone number.

There were only 2 options ; 1 to receive a call back, and 2 to input my info.

This is fraudulent and the company provides no assistance and is 1 ) not responding to fraud OR 2 ) is sending out fraudulent, unsolicited credit cards. They have too much information on me and I NEVER apply for credit/debit cards and have a hold on my credit for this exact reason. 

Nationwide Multistate Licensing System ( NMLS ) Identification : Chime Capital, LLC XXXX ID XXXX In CA : Chime Capital, XXXX holds a Debt Collection License, License Number : XXXX
Product: Student loan

Allegedly, the servicing of my private student loan with XXXX has been transferred to FirstMark Services. Prior to the transfer, I had been current with XXXX and was promised an interest rate discount for making all payments timely. At the time of transfer to FirstMark ( approximately middle of XXXX 2016 ), I had asked both FirstMark and XXXX for a copy of my promissory note ( s ) for which they seek collection on to ensure that my interest rate discount had continued and so I could review the terms thereof. XXXX said I should call FirstMark. FirstMark said they did not have a copy of the note and they were waiting from XXXX. I have continually asked FirstMark over the last 3 months for a copy of the note and each time they have said they are waiting on it from XXXX. Additionally, FirstMark has said that under the agreement with XXXX that XXXX has additional time to provide the note to FirstMark. I am not a party to the FirstMark/XXXX agreement. I have waited 3 months to simply receive a copy of my promissory note which FirstMark has refused to provide or even give me voluntary updates. I have continued to pay FirstMark on their representation that they actually have the right to collect under my promissory note. However, I am growing increasingly skeptical of whether they have the legal right to collect under my note. At this juncture, in addition to this complaint to the CFPB, I am evaluating all legal remedies under the FDCPA and related state consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX Independent XXXX LLC My current and only address XXXX XXXX CT, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
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 - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX PARTNERS XXXX - XX/XX/22 - {$170.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States 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, or personal loan

I called today to find out what the interest rate was because I have made extra payments on this account and most of my money keeps going to interest instead of additional principal payments like I expected them to.They told me it was 12.5 % but while I was looking online I saw it was 14.99 %. He also explained that the interest was compounded daily which I did not expect either. I told him that I never received a copy of my loan documents and he stated he would send them out again via email but it would take 1-3 business days. I should have received these documents at the start of the loan, but did not. I have paid over a XXXX dollars to the loan and my original balance was {$8400.00} and now they are saying it is {$7900.00} which means I have paid over {$600.00} in interest and I have only had the loan since April. that is a {$100.00} a month almost in interest. This seems to be predatory lending to me. Can you help me make a settlement with them so I can go ahead and pay it off at a lower rate, or change to simple interest? I need some help. 

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

AMERICAN EXPRESS has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX and XXXX XXXX. They claim that there are laws that allow them to violate my consumer rights however have not cited any such laws in any of their responses to my notices. Here are some of the federal laws they have broken. 
15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

See Attachment for full details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX A XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX PA, XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXI also noticed that my name appears to be misspelled on my credit report XXXX My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX. CAR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. Restaurant XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Checking or savings account

I opened a Citibank checking account with a promotion to receive XXXX XXXX advantage points.The promotion stated I had to spend {$1000.00} and pay a bill monthly for 3 months. The period began XX/XX/XXXX. I used my debit card to pay a bill of {$1000.00} and paid my XXXX online streaming account for more than 3 mos. On, XX/XX/2020 I recieved a notice that I had not fulfilled the requirements. I called Citibank and after being forward to three different agents, I spoke to XXXX who informed me that I had not fulfilled the bill payment requirement. I told her I fulfilled the requirement by paying my XXXX bill monthly over 3 months. 
Citibank should give me what was agreed upon and promised. The program seems to be some kind of flim flam trick to get one to open an account then deny one the offer promised through trickery and confusion. Im surprised a well known reputable bank would resort to offering an offer purposely deceitful and should be illegal if not fulfilled. The offer was to give me XXXX XXXX XXXX miles to my Advantage Account
Product: Money transfer, virtual currency, or money service

Ive encountered an ongoing issue with Cash App, where they consistently refuse to allow me to dispute charges. As a result, Im left vulnerable to companies that exploit this gap, as the charges become essentially undebatable. This lack of dispute resolution creates an environment where my funds are repeatedly at risk without recourse for recovery.
Product: Debt collection

Hello, Please see below and attached as the Original Lender : A old debt from the client XXXX XXXX XXXX XXXX XXXX has been paid in full on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX ( Please see attached for confirmation paid ). On Wednesday, XX/XX/XXXX, a law firm, who claims that her name is XXXX XXXX called me from her business number XXXX multiple times and stated that I need to make a payment as soon as possible to avoid going to the hearing court in the XXXX XXXX. I have replied that I already make this full payment and provided the full information shown ( Attached ) back in XX/XX/XXXX from XXXX. XXXX XXXX, threatened to sue me and take me to court if I don`t make this full payment right way. 

Now, she is stating that if XXXX XXXX make any payment soon or settle this payment, they will take me to court. I have investigated her company and noticed that her number XXXX is showing " Potential Spam '' and I have requested her website business - She told me that they are working on it. While in the middle of the conversation, the line was disconnected few times and I don`t know if she was lying or could be a potential spam from this company. Please have this investigation and abuse from scamming individuals. She has my personal information with my last four number of S.S number and current address. 

Please advise and consult what action needs to be done. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Someone stole my identity and have my social security number. Bank has closed the account for me but what can I do to protect the problem. The person had charged over {$58.00} on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX : {$890.00}.
Product: Debt collection

A " Jefferson Capital Syst " something company keeps calling at all times of the day, they flagged my credit with an absurd amount of money " owned '' that I have no idea where it's from. Please make them STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

First, I borrowed {$500.00} from PayActiv on XX/XX/year>. Next, PayActiv deducted {$500.00} from my paycheck on XX/XX/year>. Following that, PayActiv deducted another {$500.00} from my paycheck on XX/XX/year> without asking permission or receiving any authorization from me. I contacted PayActiv about the transactions above. The company acknowledged that they had taken more money out of my accounts than I owed and that this was wrongful. However, even though PayActiv acknowledged the improper taking, acknowledged the amount of money they stole and stated the amount that they took was without authorization, they refused to return the money that they stole from my account. PayActiv kept claiming that the initial taking was error, but they refused to return the stolen amounts and still have not returned any of the money that they stole up to the writing of this complaint. 

This is the SECOND time I have registered this complaint on the CFPB website because the CFPB website claimed it couldn't find my complaint despite having my created account available. 

I am a XXXX XXXX and PayActiv is a California business that has committed financial crime impacting my account. What elements of interstate wire fraud are unmet by PayActiv 's behavior? I am a XXXX licensed attorney in the State of Texas and I expect a robust and devastating response by law enforcement and state and federal regulators. PayActiv is laughing at both of us while it unfairly holds money stolen from my account. They clearly will refuse to return my money until law enforcement puts handcuffs on their criminal staff. This is nuts. The XXXX number is staffed by XXXX who have no respect for Americans, our laws, or the wrongfulness of their crimes. Please do something they can ignore. My understanding is that there are statutory penalties for such crimes and I would like to fully enforce any applicable penalty in this case to the fullest extent of the law. I would like to collaborate with law enforcement to the extent necessary to ensure other XXXX are not victimized by this fraudulent scheme. Let 's go get these perpetrators.
Product: Credit reporting or other personal consumer reports

RE : XXXX ( XXXX ) XXXX XXXX : XX/XX/1947 SS # : XXXX FOR SEVERAL YEARS MY CREDIT SCORE HAS BEEN AROUND XXXX. MOST RECENTLY MY CREDIT SCORE DROPPED SIGNIFICANTLY.

AS FOR MY FINANCIALLY STATUS I HAVE NEVER BEEN BETTER. MY OBLIGATION ARE ZERO, MY INCOME AND EXPENSES ARE CONSISTENTLY.

HOWEVER, I HAVE TWO COLLECTION ISSUES, ACTUALLY BOTH ARE A RESULT OF MY EFFORT OBTAINING CELL PHONE SERVICE AND FAILING IN BOTH CASES. 

I FIRST TRIED XXXX. I WAS ON MY DAUGHTER XXXX PLAN. AT XXXX XXXX XXXX AND MY WIFE OF 64 YEARS PASSING AWAY, MY DAUGHTER AND I FIGURED I SHOULD HAVE MY OWN ACCOUNT. XXXX WAS UNABLE TO OPEN AN ACCOUNT. XXXX HAD A GLITCH IN THEIR SYSTEM THAT WOULD NOT ALLOW ME TO USE MY SAME PHONE NUMBER. WE TRIED FOR 3 DAYS, THE STORE MANAGER APOLOGIZED. DID NOT USE 1-NO PHONE CALL. NO JUSTIFCATION FOR A CHARGE. A XXXX AGENT ACKNOWLEDGED AND TOLD ME IT WILL BE CARED FOR. 

THEN I WENT TO XFINITY. THAT WAS NOT A GOOD EXPERIENCE. I GAVE UP ON XXXX WITHIN THE FIRST HOUR. DID NOT USE 1-MINUTE OF PHONE SERVICE. 

I FINALLY GOT SERVICE FROM TEAM MOBILE. KEEP MY PHONE NUMBER AND GOT IT FOR LESS MONEY. 

I RESPECTULLY REQUEST THAT THE CREDIT BUREAU ACKNOWLEDGE MY SITUATION AND ADJUST MY CREDIT SCORE TO WHERE IT SHOULD BE.
Product: Mortgage

Per my recorded conversation with XXXX XXXX on XXXX XXXX, 2015, I accepted Citizens Bank 's offer on Case Numbers XXXX and XXXX, for a 10-year XXXX XXXX XXXX XXXX with XXXX Monitoring at no charge to me and also the offer to waive the {$620.00} processing fee on my current and only application with Citizens that I set up with XXXX XXXX, on XXXX XXXX, 2015. I followed up with a letter and email on XXXX XXXX, and have n't heard back on how to proceed. I sent a follow-up letter and email to XXXX XXXX, XXXX of XXXX on XXXX XXXX, 2015 with still no response. I 'm perplexed why XXXX has n't responded to my emails or letters and have n't honored their letter dated XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested removal of unrecognized inquires via certified mail. 
Transunion sent a stall letter stating I needed to complete additional verification and it appeared that I did not prepare my own letters. After completing the additional verification via text/chat option I was unable to understand the additional requests for more documents. I decided to attempt to call several times I was disconnected by 3 different agents after introduction and stating my question. I was able to get an agent who also verified my identity via the telephone then informed me that I would need to send letters to the creditor then request letters back and then send those responses back to Transunion. I was told that my letters are not valid, and the agents requested that I use the online process. subsequently 48hours later Transunion reduced my credit score by XXXX points with no changes to credit file. 

to lose XXXX points without reason is outrageous!
Product: Mortgage

I modified my mortgage initially with    XXXX    back in  XXXX . My loan wa s sold to Ditech. After repeated complaints/contact Ditech finally applied my HAMP Year Six Pay for Performance incentiv e of {$5000.00} to my loan (  XXXX / XXXX / XXXX  ).     It is my understanding that after final incentive is applied to lo an, Ditech must offer to reamortize my loan. Ditech has refused -
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.