23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested an Amortization Schedule, but was denied because my interest is " variable interest '' ; however, my interest rate capped on XX/XX/XXXX and will remain the same throughout the duration of my loan. There is no reason why I should not be provided with this request as my interest rate is not changing. Secondly, I requested a full payment history, but was only provided a partial payment history. My mortgage began in XX/XX/XXXX, but Chase only provided a payment history dating back to XX/XX/XXXX. When I called to request the omitted portion, I was told that, " no one at Chase can provide me with the omitted portion. '' The representative, XXXX, refused to transfer me to a supervisor stating, " the supervisor can not provide the requested information - no one can. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I recieved a security alert with Experian about a recent credit application with XXXX. I have no idea who they are or why they pulled my credit for an account. I called and spoke with several individuals who will not pass me over to a manager because they couldn't speak. I was on the phone for over an hour getting the run around and asking me they could not help me because i did not have my account number or card number to identify my account/I had already told them I have not applied for any accounts with this bank-He said no one can help me and for me to go straight into a bank -these people who are working for this company lack customer service and urgency ridiculous
Product: Credit reporting or other personal consumer reports

XXXX had a data breach it was last year me and my wife go to shop for a house we go to check my credit and I recognize all these different charges from different companies and XXXX had a data breach that gave away my information like name email ssn social and address I tried to dispute this but the companies won't work with me the companies are all online so none in store like XXXX {$1300.00} comnity Kay'sXXXX {$1200.00} credit first {$1000.00} XXXX XXXX {$3500.00} XXXX {$1000.00} i am currently disputing these items but they keep coming back on all three burues i am a victim of identity theft and this is holding up my whole life and family life
Product: Credit reporting, credit repair services, or other personal consumer reports

There are wrong phone numbers on my credit report and I want them removed. The phone numbers are XXXX and XXXX. These phone numbers never belonged to me. So I want them deleted from my account. On my credit report it has working at XXXX XXXX and I never worked there and I want that removed. I worked at XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

XXXX   XXXX  has a collection against me showing up in my credit report on behalf of  XXXX  indicating that I owe {$740.00} which is incorrect. I have no knowledge of this account, I do n't even use  XXXX  I use  XXXX . I want it removed its damaging my  credit score. Its been there for almost a year now. Please help !
Product: Debt collection

My credit is being impacted based on a debt that I do not owe. I have zero knowledge of this account and i never signed any contract or had any agreements with this company. I am kindly asking for this to be removed from all 3 credit bureaus. Please cease and desist all communication and harassment via phone, email, and text messaging.
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit card or prepaid card

I tried paying off my Grain account on my app, the only way to make payments and withdraws, back in XX/XX/XXXX. I made a large payment on XX/XX/XXXX to pay off this account. I submitted the payment with the option " pay full balance. '' On XX/XX/XXXX, Grain took an auto-debit payment of {$1.00} from my bank account to make its regular payment. I saw the email and logged into my app to see I somehow have a balance of {$48.00}. I am not sure why as I made the " full balance payment '' on XX/XX/XXXX. I went ahead and decided just to pay the {$48.00} to have this account paid-in-full. I went into the payment screen on the app and hit the plus button that says " make a payment. '' Once I selected that, it showed a " Full balance '' of {$0.00} but a " Past due balance '' of {$18.00}. Now I see I was charged another {$1.00} in late fees. Not understanding why because I originally paid the entire balance in full on XX/XX/XXXX and the account is on auto-debit, so even if there was a balance it should've been automatically paid. Not willing to fight this, I tried making the payment anyway just to get it out of the way. When I went to make the payment, it wouldn't allow me because it still showed my " full balance '' of {$0.00}, so it would not let me pay on a {$0.00} balance account, but right under it shows " past due balance '' of {$18.00}, and under that shows " total balance '' of {$48.00}. But, it wouldn't let me pay the balance. I get an email XX/XX/XXXX saying " A bank transfer of {$1.00} from your XXXX XXXX XXXX CHECKING account to your Grain credit account has been initiated on XX/XX/XXXX, '' which is the email I get whenever Grain takes an auto-debit out of my account. How? My " full balance '' shows {$0.00} and I can not even pay anything on it. Then I log back into my account on XX/XX/XXXX and see interest of {$0.00} was charged and another {$1.00} in late fees because of a now {$16.00} past due balance. All I am trying to do is get this account paid in full. I contacted Grain 2 times over the past few weeks via their online contact us form inquiry and there has yet to be a response. There is no phone number to call to talk to customer service or no emails listed, only the online form inquiry. I am worried that eventually it will hit my credit report as being 30 or 60 days late when I have 0 control over it. In addition, my credit report shows my Grain account has a {$1.00} balance. Which is true? Do I actually owe {$48.00} or do I owe {$1.00}? Why do I have a past-due balance but I am on auto-debit and I can not make a regular payment myself?
Product: Student loan

I have a remaining loan balance of {$19000.00} for my student loans. I have requested a {$500.00} refund from my last payment because I am now eligible for {$20000.00} in one-time loan cancellation. I called and requested this refund and was instructed that I would receive the refund in 150 days and that I would be able to see this on my account online. This would mean I would receive the refund sometime in XX/XX/2023. Please note that other loan servicers are processing these refunds in a matter of weeks and not months. Since they are saying that my refund will be 150 days, this would be after the " one-time '' student loan cancellation. When I asked if this would still be forgiven since it's a " one time '' cancellation and they would not be refunding me and changing my loan balance until XX/XX/2023 ( after the cancellation ) I was directed to a website that had no information on the question being asked. I requested a phone call reference number or email confirmation and was told that I would receive no notices regarding my refund or account status. After researching this issue I see that many others are having the same issue and are finding out that the refund requests were never submitted by representatives. Since we are unable to submit refund requests online ourselves and can not see whether or not a refund request was submitted, there is no way to know if I will receive my refund or if the request was in fact submitted. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error in the reporting of my Lead Bank account XXXX XXXX XXXX XXXX XXXX  ). According to my records, the remaining balance on this account is {$490.00}, yet it is being reported as {$680.00} to all three major credit bureausTransUnion, XXXX XXXX XXXX 

This discrepancy is impacting my credit report, and I would like to request a thorough investigation and correction of this error. I have attached supporting documentation ( if available ) to verify the correct balance, and I respectfully ask that you assist in resolving this matter as soon as possible. 

Please confirm the receipt of this complaint and provide me with an update on the progress of your investigation. 

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

On XX/XX/XXXX, Credco company called to offer to refinance my home. I told the representative and underwriter that i am on bankruptcy but without further understanding my case, they went ahead and submitted a hard inquiry. 

Pls block this inquiry as this misinformed staff just were as eager to get a transaction without considering to protect customers like me who are subjected to a 9 points hit on my credit score as an aftermath of this.
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}, {$10000.00}.

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 ) -- CLOSED ACCOUNT 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. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Mortgage

I want to payoff this loan with the {$530000.00} paid to first XXXX and the {$70000.00} paid to XXXX or the {$140000.00} paid to XXXX and {$150000.00} paid to XXXX mortgage or the {$350000.00} to Indymac or the {$200000.00} to XXXX XXXX or {$70000.00} to XXXX ... ... I want an investigation. 
CFPB has my bank statements and multiple documents why they wo n't release a {$260000.00} I do n't owe and who and why are they paying discharged unsecured debt
Product: Money transfer, virtual currency, or money service

Sent money to wrong person using XXXX and I couldnt get the funds back through my bank, chase. Customers should be allowed to stop the transactions or reverse transactions if funds was sent in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) 15 USC 1666B ( a ) Timing of payment FCRA section 609 incorrect status reported on credit.

This account was never late and, in fact, paid on time over 8 years of having the mortgage. The home has been sold in XXXX and paid in full.
Product: Money transfers

Identity thief With the bank help, my name was forged and I lost over $ XXXXout of XXXX banks. Sheriff Department called it a civil case. I am a XXXX year old service connected veteran, my attorney help sell me out also, I need a federal investigator. XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT REPORTS:XXXX XXXX XXXX, XXXX , CA XXXX XXXX XXXX XXXX, XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has XXXX inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX XXXX XXXXXXXX, put collections on my account
Product: Credit reporting or other personal consumer reports

Account Name : Acceptance Now Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, 2018, and the last activity date is XXXX XXXX, 2024, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : Acceptance Now Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, 2018, and the last activity date is XXXX XXXX, 2024, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : Acceptance Now Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, 2018, and the last activity date is XXXX XXXX, 2019, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

These discrepancies fail to meet the standard of maximum possible accuracy as required by law. 

Please investigate this matter and provide a written confirmation of the actions taken. If no action is taken, I may escalate this matter further with additional legal remedies.
Product: Debt collection

Upon reviewing my latest credit report, I found an account that appears to be inaccurate and was added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXX collections in my credit report both from the same company XXXX XXXX XXXX I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


( XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

CFPB- 15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX I live in XXXX and today I find the courage to contact you to help me with a financial problem I encounter with Coinbase ( www.coinbase.com ). For months I 've been using my credit card and using some of the services the company offers without the slightest problem. On XXXX I sent a bank wire transfer to certify my bank account as it was. The problem I faced for the first time is when I asked the company to send me a wire transfer from my Coinbase account to my bank account at XXXX. The amount was XXXX on XXXX XXXX, XXXX. As isknown, XXXX bank transfers do not take more than three days to complete unfortunate but in my case still the amount I asked not only did not pass into my my bank account but obviously they have not even tried to send that money! I have tried to make a phone call with them but unfortunately I could not wait as I was waiting for more than three hours, I also sent email but still did not answer me until today when I sent this request. That 's why I asked for your help! I have attached my ID, my bank account information as well as pictures from the Coinbase system where they show the process I have executed with the exact amount of my details and the bank account! If you need more information please contact with me, me email is XXXXXXXXXXXX and my phone number is XXXX or XXXX Best regards XXXX XXXX