23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> my husband who is a Capital One Venture card holder, received an email to refer a friend and receive XXXX points. Your friend will receive {$250.00} travel credit and XXXX bonus points. I applied thru the link that was sent in the email. I received credit card and charged approximately XXXX dollars within 3 months, the offer was to charge XXXX in 3 months. My husband received his XXXX points. I never received my points. 
on XX/XX/year> I called Capital One Venture cc, they advised nothing they could do and did a report, ref # XXXX. On XX/XX/XXXX, I received a call back from them, she advised nothing they could do, saying I applied for the wrong credit card, I told her I have copies of everything, I then sent her copies of the email I received and the link I applied on and explained it was the right link since my husband received his points. She called back again on XX/XX/year> after reviewing the copies and again said she could not do anything, and said I didn't apply for the card that received the points, I said it was in the email my husband received and he received the bonus points for a friend signing up for the card! She said that made sense but there is nothing she can do!!!!
Product: Debt collection

XXXX XXXX XXXX, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. XXXX is collecting for capital one bank Reference # XXXX ph # XXXX.
Product: Credit reporting or other personal consumer reports

The submitting identification and Address verification documents from XXXX complaints on XXXX/24XX/XX/year>
Product: Credit card or prepaid card

In XX/XX/XXXX, as a good debtor, I made arrangements with Chase Card Services to make a split payment in XXXX on the XXXX and XXXX, an auto debit {$99.00}. On XX/XX/XXXX, paid manually {$190.00}. They auto deducted on XXXX, but something got messed up on their end because it said it went through find on my bank account but they claim my bank sent it back. On XX/XX/XXXX, they did the auto deduct of {$99.00} and say the bank sent it back on XX/XX/XXXX. My branch manager says they never actually tried to pull the money. It showed after XXXX where the {$99.00} had been taken from my account and was clear. Rather than them admit something got messed up on their end, they suspended me from using my ONLY checking account to pay them. They DO NOT give any other payment options, nothing. Their phone people WILL NOT accept anything less than the total payment amount due. Even though every month before XX/XX/XXXX, I had paid them on time no issue. They won't take any amount. They are making it impossible to pay them. They want me to go to the bank to pay them, but my work hours are not conducive with getting to the bank. So, they are making it IMPOSSIBLE TO PAY THEM, giving me the run around. This looks like Predatory Lending at its finest. They have BLOCKED my checking account but then want to keep calling me demanding a payment, when I have no way to send them money. 

My credit union SENT the fax that they asked for on XX/XX/XXXX, I responded to their paperwork and sent it out ASAP as they asked me for. They STILL have not fixed it and are threatening to permenantly block me from paying them from that account. I pay EVERY other lender out of that account problem free. My check goes STILL to that account. So, if it is closed, why am I able to pay everyone else?
Product: Vehicle loan or lease

On XX/XX/2022 I initiated a Consumer Credit Transaction with Chase bank for an auto loan in which I was denied. I then proceeded to call the chase auto finance team to see why they commited an adverse action against me as defined in 15 USC 1681 ( k ). 12 CFR 202.9 ( b ) ( 2 ) makes it clear, Statements that the Adverse Action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. So, the first time I called I talked to a lady that said I was denied because I didn't meet chase standards. I referred her to the Equal Credit Opportunity Act and she told me that her supervisor will reach out to me in 24 hours. She did not. So, I called again and spoke with a guy named XXXX. He also informed me that I was denied because I didn't meet chase standards. He informed me that chase does follow the Equal Credit Opportunity Act. I told him the same law, he then proceeded to give me false and inaccurate information willingly and knowing which is a violation of 15 USC 1611. I then spoke with 2 other ladies who said they would have the supervisor call me. I finally get a call from the supervisor and she also informed me that I was denied because I didn't meet chase standards and policies. I informed her of the law, she then proceeded to ask me for the code, look up the code, and tell me a bold face lie that the law was referring to business credit which is also a violation of 15 USC 1611. All calls are recorded as the chase automated message says. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Let me make it clear if my car is sold because chase chooses to willfully violate my rights and discriminate against me. I WILL SUE!
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to property Investigative my disputes Regarding Inaccuracies in my credit report. Despite my submission Equifax Consistently Responds with XXXX hours stating the account is accurate, with providing any evidence of a thorough XXXX. This practice Violates the credit reporting Act ( FCRA ) XXXX XXXX, Which mandates, A reasonable Investigation of disputes furthermore Equifax XXXX actions may also contravene the consumer financial protection Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A-B as highlighted In the ( CFPB ) Recent administrative proceeding ( file No XXXX ) against them for similar violations. Request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see from the numerous complaints I have filed against the 3 credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's XXXX about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?
Product: Debt collection

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in May 2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Old National Bank * Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : 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: Vehicle loan or lease

Hi,In XX/XX/2018 I was past due $XXXX to complete the XX/XX/2018 installment ( made $XXXX payment on XX/XX/18 ) I made a bookkeeping error and made a full payment of $XXXX. That full payment i made in XXXX was applied to the XXXX installment and i was shown past due $XXXX for the XXXX installment. I believe my credit has been impacted by late pays because of the way the funds were posted. Please help me correct this error as i'm trying to clear my name with Ally :) and my credit at the same time. Please call if any questions, i appreciate your help in advance.XXXX XXXX(XXXX) XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone opened ( 3 ) XXXX accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/2023 | XXXX  - {$110.00} opened XX/XX/2023 | XXXX - {$85.00} opened in XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint, for several items listed below on my credit report that is reporting inaccurately an has violated my FACTA rights under Code 15 USC 1681a ( 2 ) ( 1 ) these items include! XXXX XXXXXXXX account number XXXX XXXX late payment On XX/XX/XXXX. Also XXXX XXXX XXXX account number XXXX reporting late payment on XX/XX/XXXX. Including XXXX account number XXXX reporting late payment on XX/XX/XXXX. In addition to inaccurate account XXXX card account number XXXX. Open XXXX XXXX. Furthermore, all three credit bureaus are in violation for failure to complete and verified their investigation within 30 days or less and provide me an update of their findings to my credit report. This original complaint was filed XX/XX/XXXX. Also included in the dispute request to removal and deletion of an inaccurate address on my credit report. Including inaccurate inquiries by XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Today, onXX/XX/XXXX, I checked XXXX XXXX and found that a new Discover account had been opened in my name. I did not open this account. A few weeks ago, we received a credit card in the mail that we believe was opened by my father, who has the same first and last name as I do. I suspect he has used my information to open a credit card as my credit is fair. I never opened this account and would like for someone to investigate.
Product: Vehicle loan or lease

I bought the car on XX/XX/XXXX, the check engine light comes on and its in the shop on XX/XX/XXXX. The car auto stops in mid traffic. I take it to service on XX/XX/XXXX, they say nothing is wrong. I get in an accident on XX/XX/XXXX from the car stopping on me. I take it for service in XXXX, they still claimed nothing was wrong. I take it drive it the auto stop doesn't even come on anymore, as if the car has been tampered with. On XXXX XXXX, XXXX that car sporadically shut down due to an autostop while Im driving in traffic, they repossessed it from non-payment XX/XX/XXXX, I am on XXXX leave from the accident and they don't care which means Im just out here. I need the car for therapy appointments but they also need a new engine on it. They also took all my ids, cards, car seats and parking stickers for my school.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I will also file with the CFPB and FTC! This is unacceptable!
Product: Debt collection

This company is calling me constantly even after i told them to stop calling me. They are also threatening me!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Acima digital has opened a fraudulent account in my name and is aware of it and wont do nothing about it!!!!! I have never done business with them they opened a account on my credit profile on XX/XX/2020 I havent realized the account for some time Im a XXXX XXXX and sometime it slips my mind to keep check my XXXX. I have Fraud alert set up with the 3 credit bureaus and they never called me to make sure this account was actually me upon starting the account which tells me this company supports fraud!!! 
When you have fraud alerts the company calls the consumer to make sure its actually them because they can see when there pulling your credit that you was a victim of identity theft so this is why they verify!!!
Product: Mortgage

I am the equity and title owner of a property in XXXX AZ. 
My son is the one who secured the loan for the property from US Bank home Mortgage. We set up a bank account for US Bank to withdraw the mortgage monthly payments. US Bank withdrew over {$2000.00} extra per month than what we agreed upon I contacted US Bank to resolve the issue but got nowhere, we closed the account, stopped making payment and secured a new loan to refinance. When the title company checked the recorded deed of trust they found mistake in the jurisdiction county. I went to the recorder office to try to correct what I thought is a mistake but discovered that the recorded deed is a forged fabricated document different than the one my son signed and I witnessed. 
US Bank will not produce the original document and scheduled a foreclosure sale, I filled a chapter XXXX Bankruptcy to get US Bank to produce the original documents, but US Bank submitted the forged documents as exhibits in their proof of claim. US Bank believe they are above the law, has no respect for the legal system or the Court.
Product: Debt collection

In XXXX I contracted with XXXX XXXX XXXX XXXX and my 1st appointment was XX/XX/XXXX and my last appointment was XX/XX/XXXX. WhXXXX XXXX XXXX XXXX XXXX  told the Dr . I have NO insurance and would pay cash for each visit and he needs to let me know what that bill is so I had 7 visits the 1st was {$250.00} and they told me that by phone so I had that cash ... they estimated the other visits they were going to be either XXXX or XXXX so I made sure I brought in XXXX each time. Unbeknownst to me they were collecting payments for XXXX XXXX and not the doctor himself ... so there WAS a disconnect by XXXX XXXX XXXX. I received a bill from XXXXXXXX XXXX office on XX/XX/XXXX and was confused because it resembled the payments I had already made ... so I kept asking where are the cash payments I made? Finally I went to see XXXX XXXX in person and he explained how the billing worked ... so I had brought cash to pay him ... the date was XX/XX/XXXX. XXXX XXXX noticed that I WAS still dealing with my leg issue and said he would accept {$500.00}. as Payment in full and gave me a receipt to that affect. He also told his office. I got another bill on XX/XX/XXXX and it did not indicate the payment I made so again visited XXXX XXXX IN PERSON on XX/XX/XXXX brought his billing office bill and the receipt he gave me and asked if he changed his mind ... He said No and that he would talk to billing right away and have it XXXX out. I then got a bill on XX/XX/XXXX from this Company called MJ Altman ... called XXXX XXXX billing office and they said it was a mistake and they would take care of it. MJ Altman also filed with the credit bureaus so I disputed the information and it was removed. Now here we are in XX/XX/XXXX and I am alerted by XXXX  that MJ Altman has filed a debt collection on my credit report. 
This Company is wasting my time, attempting to RUIN my credit ranking ( and succeeding I might add ) after they have been shown by me and told by the so-called Client Company ( XXXX XXXX XXXX ) that there is NO debt owed. This Company is a " scam '' as far as I can tell and/or preying on people who may have forgot the details on an account they claim they are seeking to collect debt for. I called XXXX XXXX XXXX  and they said they did NOT authorize MJ Altman and canceled any future agreement and would call them and tell them to " Cease and Desist '' I am writing this complaint as they were told there was NO debt in XXXX ... so why did they reopen the account 2 years later ... and will they do it again in 2 years? They have already decreased my score and are publicly tarnishing my reputation. Do I have a right of redress against this company as what they are doing is harming me and my reputation and I WILL not tolerate that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX 's issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXXs lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.
Product: Mortgage

To whom it may concern, I was applying for a mortgage with XXXX XXXX middle of XX/XX/2021 ( Mortgage Loan Officer NMLS ID : XXXX PNC Bank ) when she just stopped responding after I emailed her all my financial documentation. I feel my identity has been stolen just like my financial information. I never got a response, tried to email her or call her, and just no response at all. I feel she stole my identity. 

( c ) XXXX ( f ) XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''. 

Prior complaint 's response from the company failed to include a proper attachment. Please respond directly.