23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I went to in to get a lone for a car valued at {$23000.00} ( not including fees ), I was going to provide {$6000.00} of my own for down payment. The Bank began by verifying my information ( Itin, Id, etc ) we then proceeded to do a credit check ( XXXX ) and continued on to proof of income ( $ XXXX ). According to the bank I was " Pre-approved '' They then proceeded to ask for more verifying information I provided ( a copy of the my W-7, a copy of my 1040 and a copy of my XXXX notice ( Itin renewal ). I provided all of that. The only thing not provided was My XXXX XXXX  as they wanted to verify my legal status. The IRS classifies anyone with an ITIN as a resident alien, therefor I told them to file me as Resident Alien. After all the paperwork was completed they sent me a letter in the mail stating that they rejected me because " Unable to verify immigration or citizenship status ''. The lender only rejected me because of my XXXX XXXX, which is in violation of my human right as a consumer.
Product: Credit card

Concora credit milestone mastercard with a credit limit of {$300.00} open with out my knowledge on XXXX XXXX. Also a destiny mastercard opened XXXX XXXX in the amount of {$700.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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

Upon the termination of my XXXX enlistment on XX/XX/XXXX, Army & Air Force Exchange Service, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. XXXX XXXX or XXXX, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you
Product: Credit reporting or other personal consumer reports

A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. E in box 6 to report this identifiable event.
Product: Credit card

I received a debit/credit XXXX  card in the mail from Chime that was not requested and without previously having any contact or interaction with this company. When I called the number on the card with my cell phone they linked the card to the account that had been opened without my knowledge. I had also received an email in the last week from this company that seemed to be spam that I deleted. 
They would not tell me why, by who or how the account was opened but stated they closed the account after I requested they do so. They would not, however, provide confirmation that this was done unless I provided them with my email address. I asked them to tell me the email address they had on file so I could confirm it, and I refused to tell them an email address myself as I have several and did not want to divulge additional information they did not already have. I also asked them to delete all of my personal details form their system but was unable to obtain confirmation that this had been done. 
I believe this organization is acting in an unprofessional and possible fraudulent way and wish them to be investigated to prevent this sort of practice.
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 the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX XXXX  Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is an account that i demand be deleted from my credit report on the basis of so many inaccuracies and incomplete information. Wrong Charge off Date ( 1099-C ) was issued after being filed, which enabled the debt to become income. States IRS Publishing- account should not be listed as a charge off which is not income and income can not be reported noncredit report. Also account has No balance recorded, no payment history reported etc .... 15 US Code 1681s-2,1681s-2ab2
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. 

Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

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.

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me.

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer.

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on Transunion and XXXX  and not XXXX. On XXXX XXXX it's showing on XXXX  and not Transunion ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my XXXX  report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the  case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that Transunion, XXXX, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, XXXX, and Transunion should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, Transunion and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.
Product: Debt collection

I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of First National Bank - Omaha. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for FNB. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.
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. 

List of Unauthorized Inquiries : 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 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 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 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, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
My SSN - XXXX CITIZENS ONE AUTO FINANCE Inquiry XXXX  XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A LETTER FROM XXXX XXXX ( COLLECTION COMPANY FOR XXXX XXXX XXXX ) SOME FEW DAYS AGO ABOUT CLOSING MY XXXX XXXX WHICH HAD BEEN IN COLLECTION AND THE LETTER SAYS THAT THE ACCOUNT HAS BEEN CLOSED AND TAKEN OVER BY SOMEONE ELSE BUT IT IS STILL REFLECTING IN MY CREDIT REPORT AS OPENED EVEN THOUGH THEY SAY THAT IT IS CLOSED AND IT HAS CAUSED A DEROGATORY MARK WHICH HAS LOWERED MY CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently a XXXX XXXX XXXX account that is currently been reported on my credit report incorrectly. The credit report says that this account is 1 year, 3 months and 14 days old and this is false. On my XXXX credit report it says that this account is 7 years old and 8 months old. So, you cant have two credit bureaus reporting different information on the same account and who are getting information from the same creditor. This doesn't make any sense. Kindly investigate and fix the matter urgently
Product: Mortgage

My mortgage was bought out from XXXX by carrington. My family had a few bad financial months, and fell behind on our mortgage. I kept in touch with them and tried to make numerous XXXX payments in which they did not put towards my account, it went into a " holding '' account ( which I did not know ) when I called to make another payment they would not accept unless it was the full balance owed. I started saving money and calling weekly to make sure it would not be foreclosed on so I could pay the full balance. I finally had the total amount due and called to make a payment for my delinquent months. ( I had just spoken to a rep XXXX days prior ). They informed me that my home had already been sent to a foreclosure attorney a week prior. I explained that this could be true because I had just spoken to a rep XXXX days ago and I could make the payment. Long story short after the supervisor listening to her employee tell me all of the wrong information and that I had a few more days to pay and even saying wait till the XXXX month and pay that also -- that I would not be in threat of foreclosure she assured me that her employee did need more training and made a mistake but it would not change the fact that my home was in foreclosure. So now they will not take my payments and I have to pay reinstatement fees even though admitting her employee was wrong and gave false information. Now I am in fear of losing my home all because I relied on the workers to give me accurate information.
Product: Checking or savings account

I've asked CHASE for my signature Card, that I went into the bank and resigned my signature card. Please send me, the signature card on the CLOSED ACCOUNT. 

again, Please send me my updated signature Card, the one I did in WET INK at the XXXX XXXX branch. since you included them in the ultimate discussion on closing my account. 

gratitude
Product: Vehicle loan or lease

Original ( vehicle XXXX loan was with HSBC in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with HSBC. HSBC was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to XXXX  XXXX. HSBC stated XXXX  XXXX adopted the loan account and would be responsible for the lien satisfaction statement. XXXX  XXXX title dept was contacted with all details, a fax request was sent per XXXX  XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. XXXX  XXXX XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold. New buyer needs this for title purposes. XXXX reflects the lien as still " XXXX ''. A lien satisfaction was never received by either HSBC or XXXX  XXXX.
Product: Credit card or prepaid card

I initiated a balance transfer with Citi Bank XX/XX/XXXX to pay off my XXXXXXXX XXXX through XXXX XXXX XXXX in the amount of {$3900.00}. I did the transfer online securely. I noticed 3-5 days later that I had a balance of {$3900.00} with Citi Bank but my XXXX XXXX XXXX total was not paid off with the balance still full. I immediately called Citi asking why it did not reflect on the other end. They discovered that the last 4 digits " their error '' was sent to the wrong account, as it was different then my account number supplied. So, to clarify it was someone else 's account number the {$3900.00} was deposited in to. I immediately started an investigation as I was instructed to determine exactly where the transfer was sent. I was told this could take 7-10 business days. I never received information in my account or through postal mail, so I called back. I was verbally told the investigation determined the account the transfer of {$3900.00} was sent to was in fact a XXXX XXXX XXXX account and it was their responsibility to find the money and reroute it back to my account number. I called XXXX XXXX  XXXX and they also started an investigation and was given access by myself with Citi Bank on a 3-way call to give information. XX/XX/XXXX, I was mailed XXXX XXXX XXXXXXXX 's findings that they could not locate the payment. I called Citi immediately and was told once again they needed to initiate another investigation that could take 7-10 days as this is the proper route to be taken. I called my own credit union XXXX for advice as I am out of options myself on how to handle this. They advised I call and report the transaction as fraudulent and open a dispute against the transfer of {$3900.00}. on XXXX XXXX I phoned and reported it as fraudulent and canceled the card. I was told that they would credit the account for {$3900.00} in 2-3 days. After 2-3 days I called and was told to hold tight it would be XXXX days, On the 5th day XX/XX/XXXX there is no change or credit on my Citi Bank account. I phoned Citi and was transferred to the security team and told they found a resolution and can not tell me about the result for security reasons and would be mailed the result in 7-10 business days. 
I do not have any confidence whatsoever this will be solved in my favor, and I am pleading for help. This has caused extreme XXXX  for me, and they are continuing to turn me in circles and not claim any responsibility on their end. I have a notebook ledger of all the phone calls made on my end and the conversations that have taken place. I was hung up on XX/XX/XXXX a supervisor hung up on me when I mentioned obtaining legal help. As of today, I am still left with a balance of {$3900.00} on Citi Banks account that I have never received. Keep in mind Citi did supply me with the account number the transfer was sent to and the XXXX ID which is the wire ID in their system. I can supply those numbers when needed.
Product: Debt collection

Phoenix Financial Services has been harassing me with phone calls on debt that is not valid and debt that is past the statue of limitations in the State of Florida which is 5 years. They are reporting negative information on my credit report and attempting to make the debt seem like it just became delinquent which is making it appear like I am unable to pay my bills when my lenders review my credit. 

Phoenix Financial Services is violating [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Phoenix Financial Services started reporting negative information to my account at the three credit bureaus. I have submitted a debt validation letter via certified mail and phoenix financial has not responded. I have disputed this invalid debt that is past its statue of limitations by these debt scavengers and they refuse to delete the negative information from the credit bureaus. Phoenix Financial Services has cause my Credit Score to drop my XXXX points and I will take legal action if this invalid and zombie debt is not deleted from all three credit bureaus.