23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In regards to Chase case # XXXX. I still need Chase to properly report the amount of mortgage balance sold to Caliber Home Loans. This amount reported when the loan was sold was incorrect due to an improperly forced placed insurance in 2009, which took 4 years to resolve. In the mean time during those 4 year, my monthly payments were misapplied to my account. Showing at the time that the loan was sold to XXXX that my account was in arrears 3 months when it actuality it was not. I finally received the return for the forced place insurance, but in the interim the loan was sold to XXXX. They are showing that I owe more than I actually do and I need for Chase to resolve this issue. Along with the waiver of late fees & any other fees and update the credit bureau as well as properly report to XXXX & have them also update the fees & credit bureau reports for me. 

XXXX, XXXX
Product: Payday loan, title loan, or personal loan

I, sent an ACH CANCELATION REQUEST VIA EMAIL on XX/XX/XXXX, informed this company that I am not able to pay at this time because of financial reasons and complications with my benefits. I, gave them more information than I, should have. I, received a reply email from a account representative who advised me that my account records indicate that I have been in contact with the lender, I, continued to advised any representatives that called me that I, am still unable to pay, however when able I, will surely notify them but at this time I, am dealing with my husband 's health crisis and I, specifically told them that dealing with his XXXX, on top of everything else I was unable to pay, I'm sorry but I, have to manage my other obligations because he's now XXXX. XX/XX/XXXX, I, attempted to pay my household responsibilities using my SS Benefits, I, was decline that is when I, check my account and found that the funds was taken from my account. This was unauthorized, this vendor claims that, there was no ACH CANCELATION, even when I, submitted the proof that also contains the reply acknowledging my email. From XXXX to XXXX attempts were made to debit my account and suddenly XX/XX/XXXX, they take the funds that I, relied on for my husband medical needs and household responsibilities. We had no XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple account, addresses and names on my credit report that I have NEVER opened, this inaccurate reporting is hindering me from being able to obtain credit
Product: Credit reporting or other personal consumer reports

Under FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any information identified by consumers as linked to fraudulent or erroneous activities. This action must be taken within four business days of receiving the notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Checking or savings account

I've called Citibank alot of those times about this one account and you guys keep telling me I don't owe anything and you guys reported to XXXX XXXX one if it doesn't owe anything why is it on my XXXX XXXX report it's on my consumer report if I don't know anything can you please remove the information on my XXXX  XXXX  report you guys say the account was closed positive so why was it reported to XXXX  XXXX account number I've called your customer service I have called your fraud department I have called your close account Department I called everyone at Citibank and they're telling me the same thing I don't owe a dime so please remove Citibank from my XXXX XXXX report
Product: Payday loan, title loan, or personal loan

XX/XX/2022 : The company charged a total of XXXX for a XXXX loan with a 753 % interest rate. After talking to a financial advisor, the advisor stated to negotiate my rate with the lender since this rate is illegal in Georgia. Called the company to discuss the rate. The company would not change the rate of the loan and stated that they are legal in Georgia. Provided the company with this link : https : //dbf.georgia.gov/payday-lending The company stated they will call back on Monday to discuss rates once the first payment is cleared. The company disconnected the call.
Product: Checking or savings account

Last XXXX I was asked if I would like to have my Bank of America business Account looked at from a small business BOA banker who they said might be able to give me some insights as to what Bank of America could offer with my business account in the future. They set a meeting up with XXXX XXXX from Small Business Banking. We had a meeting about my business and what work it was doing. I told them that I was good Shape with my banking for now, but glad to know what the bank can offer down the road. I was sent to my office a remote deposit machine that I did not want. I did not open the box and told XXXX XXXX to come pick it up from my office because this is something that I will not use and never asked for. XXXX came a picked the machine up. I thought that this issue over. 

My CPA told me on XX/XX/2019 that my business checking account is being charged {$15.00} a moth for a remote deposit machine since XX/XX/2019. I went right to my BOA brach and reported this problem. They maid some phone calls and told me that I would need to talk to my small business banker XXXX XXXX. I returned to my office and called XXXX XXXX many time with no answer and I could not leave a message because his mailbox is full. I called BOA help line and was passed around and found out that a charge of {$250.00} would go against my account to stop the remote deposit machine charge. I did not ever want or even open the box for this machine and it was returned to BOA. During another call to BOA I was informed of XXXX XXXX 's Boss XXXX XXXX. I called XXXX right away, and left a message. Later that same day XXXX returned my call and informed me that he was going to take care of everything. 
One week went by and no phone call from XXXX or XXXX. I called both of them again. 
finally, I received a email from XXXX informing me that I needed to call the remote deposit team to take care of this problem. I responded to XXXX and told him that they needed to handle this by XX/XX/XXXX and put my money back into my account that they had taken without my permission. Today is XX/XX/XXXX, and no action or money is back in my account. This is deceptive, dishonest and abusive behavior of the bank. It is outrageous and absolutely unacceptable. If they are doing this to my business they must be doing it to all businesses. This is flat out stealing from the customer. I have spent so much time trying to resolve this issue with the bank, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that there was an inaccurate account : XXXX  XXXX # XXXX XXXX. I have contacted this creditor and asked for a copy of the original application bearing my signature of which they responded that there is no evidence or proof of any application with my signature on it linking this account to me. 

XXXX. On my report, the date of first delinquency is being reported as XX/XX/2018, however there are multiple delinquencies that XX/XX/2018 as 60 days delinquent, XX/XX/2018 as 60 days delinquent and XX/XX/2018 as 90 days delinquent. These delinquencies occur before XX/XX/XXXX and neither are being reported as the date of first delinquency. I have contacted Equifax to investigate and update the dates of first delinquency and they have refused to do so and continue to report XX/XX/2018 as the date of first delinquency. 

Equifax has a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I have contacted Equifax numerous times and asked for them to investigate and remove this inaccurate account from my consumer report that they are illegally reporting and I requested a copy of the original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if they can't be verified by any legal evidence or proof.
Product: Checking or savings account

I opened an accelerated Savings Account with Citi in XX/XX/2019. The account was set up online within a few minutes ( and I did not have to submit any additional documentation via mail ). The account was compromised in late XX/XX/2019 with fraud activity with ACH for nearly $ XXXX. I contacted Citi and within 2 weeks the funds were returned ( early XXXX ). The account was then compromised again with fraudulent activity for almost {$400.00}. I contacted Citi and they advised that the account need to be locked to prevent further activity and that I would need to submit a new application for a new savings account. They transferred me to a representative to set up the new account. My understanding was that the account was set up, though I received a packet in the mail requesting additional information. Documentation was submitted online through XXXX. When I contacted a representative to move the original funds to the new account, the representative advised that the new account was never set up because the tax documents were not submitted. I then submitted the tax documents, but because they were not submitted within 30 days of the application, the application was closed and account was never set up. I then advised that I would like to close the original account and request that the funds just be mailed to me via a check ( or if possible, wired to my non Citi bank account ). Citi advised to close the account I would have to visit a branch. I advised that I was in XXXX area and that there were no brick & mortar branches in my state. I contacted Citi on 4 different occasions in an attempt to close the account and would constantly receive different information and go in circles from customer service, to a branch, to fraud departments. Nobody has been able to help me and I have spent nearly 6 hours on the phone trying to resolve this issue without success. Please help me resolve this issue and get my money back.
Product: Credit card or prepaid card

Today with a credit balance due me on my account of {$39.00}, I directed in writing that Barclaycard send me that balance and close the account. They've closed the account but REPEATEDLY AND EVASIVELY refused to state that they've sent me my {$39.00}. ( I closed the account because Barclaycard has the worst customer service of any credit card I've ever had and this issue is typical. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company and provided a police report showing that my identity has been stolen and has asked repeatedly for 11 fraudulent inquiries and a fraudulent account to be removed as well and they have not removed the items as requested .I have submitted an online dispute as well as a hand written request and they refuse to remove the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has not provided the authorized agreement creating the debt 15 usc 1692f. Therefore if there was no agreement in place between myself and Midland Credit Management inc. that means i have no contractual agreement to pay them an alleged debt. This accounted has never been validated and I have no knowledge or relationship with the company. the debt collector has been notified it has been disputed and needs to be removed until they mail me the Original Purchase agreement or copy of judgement. I have not given this debt collector any consent to communicate with me Pursuant 10 15 usc 1692c. By them reporting on my consumer report this is communicating with me and is a clear violation of federal law therefore they need to delete this account. 

I think they are trying to manipulating the statute of limitations because they are changing the balance and past due balance of the original amount every other month and they are reporting the payment status as 120 days late when be default collections are past due. 

I have never Given 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last 4 SSN : XXXX The following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX
Product: Vehicle loan or lease

I tried to talk to Midatlantic finance. I did not obtain or sign for a car loan. And I notified them of this and asked for them to pick up the vehicle and they refused. The car company let someone walk in and sign my name for a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO. 
PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE. 
IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.
Product: Debt collection

I WAS A PATIENT AT XXXX XXXX XXXX XXXX   THEY SUBMITTED THERE BILL TO MY INSURANCE COMPANY, WHICH IS XXXX XXXX XXXX  XXXX, THE INSURANCE COMPANY PAID THE BILL. I INFORMED THEM THAT THEY NEED TO CALL THE INSURANCE COMPANY SINCE XXXX INFORMED ME THEY SENT THEM 2 CHECKS ONE FOR XXXX AND ONE FOR XXXX THAT HAVE NOT BEEN CASHED AS OF THIS DATE. FROM XXXX INSTEAD IT WAS SENT TO A COLLECTION COMPANY MEDICAL BUSINESS CONSULT OF XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX ( XXXX ) XXXX ADDITIONALLY I AM ALLOWED UNDER HIPPA LAW ( HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ) TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THRID PARTIES I DID NOT GIVE XXXX XXXX XXXX XXXX AUTHORIZATION FROM HIPPA TO RELEASE MY MEDICL INFORMATION TO A DEBT COLLECTOR. I CALLED THE COLLECTION COMPANY WHO WILL NOT COMPROMISE NOR WILL THEY REACH OUT TO THE INSURANCE COMPANY INSTEAD THEY KEEP LISTING THIS MEDICAL DEBT ON MY XXXX AND XXXX I   WOULD LIKE TO RESOLVE THIS MATTER AS QUICK AS POSSIBLE WITH THE OUTCOME BEING PAID IN FULL AND DELETION OF NEGATIVE ITEM FROM MY CREDIT REPORT.
Product: Checking or savings account

They kept asking me to deposit money into my account in the name of making a program. Can we solve this? 

It encouraged us to continue trading with XXXX. 



Here are my USD account details Account holder XXXX XXXX XXXX XXXX WELLS FARGO BANK , N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO BANK , N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA, XXXX DOB : XX/XX/XXXX last XXXX of XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXXXXXX XXXX to the Credit Reporting agency by the name of Equifax. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXXXXXX XXXX will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

When my XXXX auto lease was about to end, new dealership from XXXX offered to take over my lease and pay me the difference. After the lease was transferred to the XXXX dealer, not sure exactly what happened, but the credit report says that I did not make the monthly payment in a timely manner. So it hurt my credit score as the record says I missed XXXX months of payment. Please see attached for the record of the release of liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 U.S. Code 1028A, Lexis Nexis has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Lexis Nexis with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud. 

Pursuant to 15 USC 1681a, no investigative reporting on the accounts I have requested be deleted is needed as the only person who can confirm their accuracy is me, the consumer. I am attesting that none of the accounts I have requested be deleted are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX deleted the inaccurate information, XXXX and Experian would not delete the inaccurate information. XXXX   and Experian said their information was verified as accurate. The third party company ( XXXX XXXX ) in which Experian and XXXX claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested Experian and XXXX  remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which Experian and XXXX say they are getting accurate information is stating the information is not verified and accurate how can Experian and XXXX report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my Experian and XXXX reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Credit reporting 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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX furniture XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 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. 16815-2 ( 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.