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

Ive reached out to all 3 bureaus going over my rights that have been violated numerous times I also have disputed several of the items on my credit report as incorrect some of them over 7yrs experian that just need to be deleted moving forward hopefully for the ones that dont please keep in mind how important credit is for people I will list accounts in fraud case I also sent it by mail to each not all bureaus have the same accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have received a notification on my credit report of a collection report that negatively effected my credit. The company has never reached out in regards to the account nor did i have any knowledge of the account. I called the company ( midland credit ) and provided me minimal information regarding the account and demanded I pay first before they explain anything. I offered to pay the full amount if they removed the negative regards on my account, since I had zero knowledge of the account. I never received any letters or phone calls. They refused to show me proof of ownership of the account and what the original amount was. Got a rude response and very unprofessional.
Product: Mortgage

I have a mortgage with Chase for an investment property. When I obtained the mortgage, I was being charged a PMI. Since XX/XX/2016, the value of the investment property has appreciated and the flooring in the bedroom has been replaced as well as the painting. 

Per my mortgage documents, I can request PMI cancellation upon the LTV falling below 78 %. When I Inquired Chase on this matter, they indicated that I can only request PMI cancellation when LTV falls below 65 %. This goes against my mortgage documents. I would like help resolving this matter. 

Kind regards XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX there was an issue at the ATM. The following day I could not sign into my account to check my balance, the website said my phone number did not belong to the account. After speaking to customer service, I was able to sign into my account. However, they decided to go ahead and put a hold on any remaining balance because of the issue. I never permitted the hold on my account. When I called back, they continued to argue and said they felt in thier decision making that placing the hold on my money was the best thing to do. They told me if I sent them a copy of my driver 's license that I could then have my money back or access my funds from the account. It is a student account. I sent the driver 's license by email with a completed form. They sent back an email saying they didn't understand the email or form or copy of my ID and they wanted further clarification. There is no further clarification for the bank. They are trying to steal what is left in my account and have a replacement card mailed to a different address. I am being harassed and abused by customer service when I call. I am attaching the form they say doesn't make sense.
Product: Credit reporting

I first started with annual credit report website for copies of my credit report. I receive XXXX out of XXXX agency with no problem. Equifax stated online they can not find the report and need more information in hard copy. I email SOcial security card and bill with address as requested. Equifax send back same letter requesting the documents 3 more time with me sending them three more time. Last time I add the information to the certified mail, and letter ask XXXX they need any other information but with no response beside the same letter asking for the hard copies that I sent. 

I file a dispute online with them but no reply was provided after a month.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy, please be reminded, no consent is identity theft. 

XXXX XXXX XXXX XXXX XXXXFirstsource Advantage  Please promptly remove this data within 4 business days pursuant to 15USC 1681-C-2 to avoid any further legal proceedings.

Thank you for your timely compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX, has violated my rights XXXXXXXX  Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights 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. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 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: Checking or savings account

on XX/XX/26 I was called by Chase alerting me to fraudulent activity on my account. They said due to the nature of the fraud that I did not need to close my debit card. On that same day, 17 different ATM withdrawals were made totaling {$1400.00}. I immediately called that same day to have my card closed. The ATM withdrawals show as being done at an ATM by my house. XXXX XXXX XXXX, XXXX, XXXX Chase started a claim but has denied my claim stating that they can not prove that it was fraud because " nothing has changed on my account and the withdrawals happened in my geographic area ''. Chase has stated that the fraudulent withdrawals were done by XXXX XXXX contactless withdrawals. I have asked for video surveillance to prove that I did not make these withdrawals. Chase then told me I needed to file a police report. I have filed a police report. Case # XXXX. Chase has told the police that they can not release the video surveillance without a search warrant or subpoena and the police said they can not obtain those without the video surveillance.
Product: Payday loan, title loan, or personal loan

I contacted Ditech on XXXX regarding my account statement from XX/XX/XXXX, it shows Fire Insurance Coverage. Unfortunately, I tried to email customer service but the representative gave me an invalid email address..I never requested/authorized for fire insurance service. I have a personal loan for this account. In the past, Ditech reported this account as a mortgage loan. I did dispute with credit bureaus. I would an investigation for this issue. 
1 ) Was I charged for this service? If so, how much was the monthly fee? 
2 ) If so, when did service begin and end? Did it begin in XXXX after XXXX transfer? 

3 ) How could this error occur?
Product: Credit card

I have had numerous problems for the three years I have had these accounts and they are constantly harassing me and my son and make it very inconvenient to continue a business business relationship. I use my credit card that has a secured {$400.00} limit. I overpay my balance 3 to 5 times a month. And I use it for everything. I am constantly being blocked or fraud alerts are out on almost every time we use our cards. I spent over XXXX on my card this year and have been a loyal customer for over three years. But I have never been offered to upgrade and was ignored twice when I asked to raise my credit limit. Then I was told to overpay my amount due and it should let me raise the available credit. This worked and I used my card for a rental car which I have been in a rental car for the last five months from XXXX rental cars. They made a mistake on my last rental and now they won't fix the problem. I have been impacted on my credit report and denied credit because of this error for the last three months. I have. Proof of there error fromt he papers they sent me denied my claim and took the money back again. This is very stressful and just want the money I am due and will be satisfied.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of CPI insurance added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the hell I've bin through because of Wells Fargo.
Product: Vehicle loan or lease

Kia finance has reported 30 day lates on my credit report to all XXXX credit agencies. They verbally told a dealership that I had multiple 60 day lates and that was the reason for credit denied. When I called to extend my lease so that I can figure out how to get another car they denied me and said I have multiple 60 day late payments. I have never paid 60 days late and my credit reflects this as well. They had a glitch in their system online when you made a payment. If you changed your account information it would revert back to old account. This is hurting my credit and I have been unable to get a car. They are telling other dealers that I have multiple 60 days. I do not. They also block you from their website to make payments online when their system glitches because of payment section issues and payment doesnt go through because it reverts to old account information. Their are millions of complaints about this company and they need to be investigated
Product: Money transfer, virtual currency, or money service

I was recently scammed during a real estate closing process, and sent XXXX wire in total from my bank accounts ( Chase, XXXX XXXX, and XXXX XXXX XXXX  ) to a scammer 's account at XXXX XXXX. XXXX  has confirmed that the money is gone. I started recall process at Chase, XXXX XXXX, and XXXX XXXX XXXX  separately at the same time, and so far I have successfully received XXXX refunds from XXXX after signing the XXXX XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX. The only transition that is still not retrieved is the one that I sent from Chase, which is XXXX. Chase claimed repeatedly that they sent out the XXXX XXXX XXXX on XX/XX/year>, but I was able to confirm with the agent at XXXX in written form that they have never received the XXXX XXXX XXXX from Chase. I have never signed the XXXX XXXX XXXX at Chase, neither. I then contacted the wire research team at Chase, and they insisted that XXXX has to initiate and send Chase the form to sign ; however, since I am not a XXXX  customer and it is not in XXXX  interest to refund, XXXX has also insisted me to ask Chase to contact them for details to sign the XXXX XXXX XXXX. Chase has been giving me inconsistent updates and their lying and lack of action in this situation is potentially delaying the process and jeopardizing the XXXX that I could have gotten back XXXX ago. I am formally demanding Chase to have me sign and then send XXXX the XXXX XXXX XXXX as soon as possible to stop further delaying this process, otherwise I would seek legal support for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( 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 antedates the report by more than seven years. 

15 U.S.C. 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. This has effected me from buying a house
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Fifth Third bank. A repo occurred in XXXX or XXXX of XXXX. 
XXXX and XXXX are still reporting " Redeemed Repossession '' under the comment columns. At the end of XXXX, I've disputed with XXXX and XXXX to remove the comment, but they are unable to see/understand what section I'm referring to. I have also contacted Fifth Third in XX/XX/XXXX. I received a response that the credit reporting is accurate. Once again, because they are not referencing the Comment section.
Product: Student loan

In XX/XX/2008, I enrolled in the school I took 3 classes one class twice I dropped out in a timely manner, they ended charging me for the full program. I do not owe them that. I owe them completed 2 classes only.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my XXXX report I have not made I filed a FTC report and called XXXX for over a year and they have not helped at all
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX  which is the name of the doctors office I have been a patient at for several years is reporting a collection in the amount of {$270.00} that I know nothing about. I have not had a lapse in insurance coverage. I am currently working for The State of Florida since XX/XX/2014 with no lapse in insurance. Before that I worked for XXXX XXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX XXXX for 15 years with no lapse in coverage. 

I have filed a dispute on the XXXX XXXX website which they send the response to me that the collection is verified. I am a person who pays ALL my bills on time as my credit report shows. My insurance premiums are deducted from my payroll. I am currently a patient with XXXXXXXX XXXX XXXXXXXX. When I question them they have no idea what I am referring to. 

First Fed Credit Control is the agency listed on my credit report that is handling this for XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX. ALL OTHER NEED TO BE DELETED
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX, I went in to a branch of Citizens Bank to start a checking and savings account. After setting up my accounts, the banker I was working with tried to get me to sign up for one of their credit cards, saying that I was pre-approved ( not pre-qualified ). I declined, citing the fact that I had just gotten one with another bank a few weeks ago, so even though there was an attractive promo going on, I didn't want to take another hit to my credit score at the moment. He immediately responded something along the lines of " Oh, well we don't check your credit actually. That's one of the cool things about our bank. '' and led me to believe that the credit concern I had wouldn't be an issue. I had thought that credit cards will always check a person 's credit, but figured maybe that's just what normally happens and isn't always a guarantee, possibly because I was already pre-approved. Regardless, I knew that bankers aren't allowed to mislead their customers, so since I had voiced my credit concerns and he had implied that I wouldn't need to worry, I figured I might as well get the card. Several hours later, I got a notification on my phone that my score had dipped XXXX points. I can't see from my credit-checking app ( I use XXXXXXXX XXXX XXXX what the specific reason for that point loss is, but I think it's pretty safe to say that the two are connected. I'm not sure if the banker flat out lied and a check was performed after all, or if he " technically '' didn't lie and there was no check but I lost points through some other measure. Regardless I still feel like I was taken advantage of, because while I try to educate myself on the credit system as best I can, he's the financial professional and I'm not, so it's upsetting for me to say I don't want their credit card because I don't want to lose points, and for him to respond in the deceptive way he did to try and get me to sign up.
Product: Vehicle loan or lease

My vehicle was repossessed three days before my last payment was due. After the vehicle was repossessed fees were applied that totaled more than the worth of the vehicle. Given my financial situation, it was not in my best interest to retrieve the vehicle. Looking back on my payment history with the company I have overpaid my total amount of the loan. When the company applied my repossession onto my credit, they are giving false information to the credit bureaus regarding the payments that I have given and paid and what is still owed on the vehicle. I have reached out to the credit bureaus individually to investigate for themselves. A couple of them are still in progress however XXXX was the first one to complete the investigation progress saying that all the information was correct when in fact, I have proof it is not AND I provided XXXX with my proof of all of my payments straight from the company website, and the company has given XXXX false payments made, which I am attaching proof of. I have overpaid on this loan totaling more than XXXX XXXX Not to mention also the start of the loan they are claiming- is a year prior to my first payment actually being made on the website that I am shown. If my loan was started in XXXX like they claim and my first payment being shown on the website isnt until XXXX there is a year worth of payments not being shown or credited for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to keep secure my personal information, exposing me to a significant risk of identity theft. They took over a month to notify the public of this breach, further exposing myself and millions of others who did not know of the risk, and during which time the executives sold off shares of Equifax in a clear case of insider trading. 

This is a massive breach of public trust. Further, the terms they 've created for their offer of compensation -- free credit monitoring for a year -- is riddled with unacceptable language granting Equifax amnesty and removing the right to sue of any injured party who accepts this service -- which they should be by law required to provide without reservations or waivers of any sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n accordance with the fair credit Reporting acXXXX XXXX Account # XXXX, has violated my rights. 12 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My lender filed 2 partial claims against my title when their should have only been one. I asked for a statement detailing all the funds and they will not provide it