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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number 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: Mortgage

CHASE took over servicing my mortgage loan from XXXX in XXXX 2015. I originally set up the drafting of my payment for the XXXX of the month when I refinanced with XXXX, authorized by me on XXXX of XXXX 's loan closing papers. There were no problems with XXXX servicing of my loan. When CHASE took over in XXXX 2015, it drafted my payment on the XXXX of XXXX and XXXX ; and, according to CHASE, this was done based on XXXX records that CHASE had. I asked CHASE if it was looking at the document I executed as part of my loan closing papers ; and, CHASE said no, that it was looking at XXXX account record of drafts. I believe that XXXX is a " secondary bank, '' ( similar to federal credit unions ) and that in order for it to receive my payment on the XXXX or thereafter, it would draft it on the XXXX of the month - which would not be get to my bank to be deducted until no earlier than the XXXX. CHASE is not a " secondary bank '' and when it drafts the funds on the XXXX ; it is taken from my account on the XXXX, same day. This is significant because my pension hits on the XXXX of every month ; and, the funds to make the mortgage payment are not in my account until then - so it bounced the last two months. CHASE admitted it is not looking at the document ( actual or copy ) that I executed ; only XXXX account history. I have spent many hours on the phone with CHASE and XXXX XXXX ( my bank ) in conference calls and CHASE has yet to get it correct. Now CHASE says it " can not '' draft the funds from my account unless I sign one of its forms and submit to them. I asked them then how is it that CHASE drafted the payments from my account in XXXX and XXXX ; to which they did not have an answer. I now have to make my payment via phone every month because CHASE refuses to honor the original documentation they say they do n't have from XXXX. Gee, what documents does CHASE have regarding my loan? I am totally frustrated with CHASE and its refusal to get it corrected, putting the burden on me to fix it. CHASE and XXXX XXXX have removed all fees regarding this snafu because both banks acknowledge the errors were not my fault. Yet I still have had to spend hours on the phone explaining the same situation to more than XXXX people ; and, I still have to make the payments via phone every month from now on because CHASE refuses to honor the original document I executed. I did not switch services ; XXXX and CHASE did and I am paying the price. Please help! 
P.S. Prior to CHASE taking over my loan servicing, it never asked or told me that I would have to execute any new document attributable to its taking over servicing XXXX mortgages.
Product: Credit reporting or other personal consumer reports

All reporting credit cards within my credit/consumer report are reporting as late/delinquent. 

Per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is not a duplicate complaint so do not label it, or treat it as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I'm not swayed that you've efficiently pleased the principles of the Fair Credit Reporting Act in completing your investigation. My research has shown me that according to Section 1681 ( g ) it is important to have me along with an outline in the approach utilized to check that this account is in collections and forward me the name and addresses of persons contacted in every regulation based in the FCRA. In addition, noticed that there's no name indicated on this account that is not totally 100 % legitimate please make sure to eliminate the item. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been following up with Equifax regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX, but never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed to refinance my vehicle, I regularly check my XXXX XXXX   and XXXX on their website. My application was denied by XXXX XXXX due to the inaccurate information reported by Equifax not updating their information with my current credit score of XXXX instead of XXXX! Ive been working hard to get back to the upper XXXX, my XXXX shows XXXX XXXX  XXXX and Equifax XXXX! Equifax has been stopping me from moving into apartments that want to see a higher credit score and disrupting me from refinancing my vehicle so I can continue growing my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX  and TransUnion about a fraudulent account reporting on my credit report. The account was deleted from XXXX  but continues to report to TransUnion and I have not received a response in regards to my dispute. 
Please see attached Identity theft affidavit and the letter that I wrote to the bureau 's it was attached with my ID and Proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an 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: Student loan

I am aware that Navient/ XXXX XXXX have been sued by the government. I would like to let you know my experience with these 2 companies. I took out Private student loans for my 2 daughters starting in XXXX. There were 4 loans total, totaling {$59000.00}. The last disbursement was XX/XX/XXXX. I have been paying these 4 loans nearly 20 years now. I have {$24000.00} to go. On these loans, I have or will pay over {$37000.00} in interest alone. 

During these years of dealing with both companies, they have applied payments to the wrong account, received payment and not applied it, and then contacting me of my account being late. Example, last week I had a payment I submitted online 4 days before the due date. I got a call at work, which I did not appreciate. They told me that they had not received my payment, and I am late and need to make it now. I informed them I did make the payment, and did not appreciate them calling me at work. The next day, I called Navient, and they confirmed that they had received it, and had not applied it yet as they can hold onto it for 10 days. 

Even though they have been sued, it appears that they are still performing the methods. 

XXXX XXXX was even worse. To the point of exasperation at times. In the last almost 20 years they put my loans into Capitalized interest payments only 11 times. Yes, this has drawn out the amount of time I have spent paying these off. However, I thought it a good alternative at the time since it would give me a break in my monthly payments even for a short time. 

I have considered if there are any other options, such as, I have paid the original cost of the loan plus interest in full, can I get some sort of reprieve. But according to what I have read, none of that applies to Private Student Loans. 

I am XXXX years old and still working, in part because of these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Is a company I never heard of or Reposes Auto I sent a Certified letter to Trans Union and XXXX XXXX. asking for Validation that I had a loan form them for a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account.

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.
Product: Credit card

Recently I contacted my credit card Capital One to find out how much the minimum amount was due for payment and was told that {$120.00} would suffice. Once I paid the bill a few weeks later I had a family emergency where my dogs XXXX was XXXX and we raced to the hospital to tend to him. At the time I needed gas so that I could return back with the family and I had my sister and my XXXX mother in the car with me. Over the internet the credit card indicated that I had monies available. To our shock and surprise, the card was declined because I later found out that there was a hold on the credit card. I can not explain the weight of how embarrassed and mortified I was in front of my family and the gas station attendant. Why would the Capital One website indicate that monies were available? To add insult to injury, the customer service representatives were clearly unfazed by my plea and situation. They were rude, unprofessional, abrupt and quickly disconnected the call. Prior to the disconnect, I was also told that I had to pay an additional {$75.00} with no explanation. At this point, the responses I received were callus, rude and abrupt. No one ever explained where this amount came from however when I checked back and got a supervisor I was told that I did n't owe {$75.00} because the money was waived for some odd reason. I am still unaware why I was charged initially and why it was waived. Maybe it waived due to the cruel and horrible treatment I received. To date, I needed the monies for food for my family since the amount available had changed from gas money to {$59.00} being available. Realizing that this company communicates one thing and is not always forthcoming, I decided to contact them before I embarrass myself it I used the card and it was declined. Now I am being told that I need to pay {$24.00} because when I previously paid {$120.00} I needed to pay {$140.00}. Why was n't this information made available to me previously? Why was I charged {$75.00} and then it was waived? Why does it say that I have available credit over the internet and phone line when the card has a freeze/hold on it? This company is unethical, unprofessional and constantly misinforming me regarding my bill. I have no idea what is going on and they need to stop. What 's in my wallet is nothing because I am constantly being mislead by a heartless company that refuses to make any exceptions to life 's situations.
Product: Mortgage

On XX/XX/2018 my home was sold at XXXX County, XXXX  to a XXXX Real Estate Investor in which he was XXXX. Why did Round Point Mortgage sold my house to a XXXX investor? To make it look like there is no Discrimination and Retaliation? 

XXXX Investor name is Mr.XXXX XXXX, he has text me and email me to vacate my once owned home and he has already file with the court to put me out on the street of XXXX as a XXXX XXXX XXXX and with a XXXX  XXXX. 
My home was foreclosed and sold on XX/XX/2018 during a VA Loan Modification and Round Point Mortgage used their Law Firm to bully me and put the house for sale at the aunction. 
Round Point Mortgage and Mr.XXXX  XXXX never provide me any documents on my home sold on XX/XX/2018. 
Round Point Mortgage law firm did their research on the Appraisal Value inflated by XXXX XXXX and XXXX XXXX XXXX of Texas to make a profit in 2015. 

My VA Loan was corrupted, fraudalent and in a scandal and Round Point Mortgage had to quickly sell the my home to cover up the corruptions. 
I email the XXXX, Texas and XXXX XXXX about the VA Loan corruptions of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Round Point Mortgage. 
Does Mr.XXXX XXXX has a business partnership with Round Point Mortgage and their Law Firm? 
How much was my home sold and why I didn't get a restitution so I can find me a home to Nurse my XXXX XXXX.? 
I am not moving out of the house until I get a restitution for my new relocation to another state. 
I want a official letter from Round Point Mortgage Law firm in stating that no negatives will be displayed on my credit report with XXXX, XXXX  and XXXX and no debt of home will be recover as I had a Bankruptcy Chapter XXXX. 
I will release the keys and home once my request has been implemented and any restitution should be sent to Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.XXXX XXXX ' I will be moving to XXXX.
Product: Debt collection

Requesting validation of debt, I have no know of entering any contract agreement with XXXX XXXX XXXX XXXX allowing permission for another company to share my personal information, I am requesting wet signature validation and payment history of debt.
Product: Checking or savings account

I went to a n HSBC branch to cash a check from someone on their HSBC account. The teller asked me if I have an HSBC account. When I said no, he told me in order to cash their own check, they would have t o charge me {$5.00}. I told him that is ridiculous. He said there is nothing he can do.     I can deposit it in my own account in another bank to avoid the charge, but this really punishes poor people who can not afford bank accounts. It is an outrageous abuse.
Product: Credit card or prepaid card

In XXXX of XXXX, Barclays gave me a late payment from a payment for a couple XXXX bucks that I was trying to pay on their app. Their app was malfunctioning by not letting me login then showing errors when I went to make the payment. I reached out to them via phone and they said it would be fixed. I then got a late payment when the payment was not even 30 days late at that point. They also did not notify me that the payment was going to be late. I then called on XX/XX/2022 and they raised my limit back up but did not help me get this late payment off of my credit report.
Product: Credit reporting or other personal consumer reports

The following explains why this account should not be on ANY of my CREDIT FILES. As SURETY, I am now giving actual Notice of Equitable Subrogation to XXXX I am now invoking my XXXX given rights of equitable subrogation and require XXXX XXXXXXXX to compensate the Principal by returning all the Federal Reserve Notes ( FRN 's ) given as payment for a debt that was paid by the surety by way of Special Deposit XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Per UCC 3-603 Refusal is DISCHARGE. The doctrine of subrogation in equity requires, ( XXXX ) that the person seeking its benefit must have paid a debt due to a third party before he can be substituted to that party 's rights ; and, ( XXXX ) that in doing this, he must not act as a mere volunteer, but on compulsion, to save himself from loss by reason of a superior lien or claim on the part of the person to whom he pays the debt, as in cases of sureties, prior mortgagees, etc. The right is never accorded in equity to XXXX who is a mere volunteer in paying a debt of XXXX person to another. ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) ; furthermore a servicer/debt collector who has purchased a debt from another company has no interest in the original debt, making their status that of a mere volunteer. The right of subrogation does not arise to XXXX who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer or trade. A volunteer, stranger or intermeddler is XXXX who thrusts himself into a situation on his own initiative, and not XXXX who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Parties may be considered volunteers if in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, as they act without being requested to do so by the person liable on the original obligation. See : XXXX v. United States XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX v. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. App. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX, v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax Inc. regarding multiple fraudulent inaccurate reporting of hard credit inquiries on my credit report. Despite multiple attempts to resolve this issue directly with Equifax Inc., the erroneous information remains uncorrected, adversely affecting my creditworthiness. 


On XX/XX/XXXX, I discovered several fraudulent hard credit inquiries listed on my Equifax Inc. credit report that I did not authorize. These multiple unauthorized and fraudulent hard inquiries have negatively impacted my credit score. 


I contacted Equifax Inc. on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute these unauthorized fraudulent inquiries. Despite providing all necessary documentation, Equifax Inc. failed to conduct a proper investigation and did not remove the multiple fraudulent unauthorized hard inquiries from my credit report.
Product: Credit card or prepaid card

I applied for a US Bank Credit card because they had an introductory offer of 50,000 points ( {$500.00} ) if you spend {$1500.00} in the first 120 days. 

I applied and got the card- but they only gave me a {$500.00} dollar credit limit so I can't take advantage of the offer! 

I have a XXXX Credit score, I make close to $ 100k / year and have had the same job for the last 10 years. I own my house and have basically {$0.00} debt. I also just closed $ 20k worth of credit lines, so the idea that they can't see fit to extend me a bigger line than {$500.00} seems ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX 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 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 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 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 vears.

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, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.