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

I sent out two letters dated XX/XX/XXXX via certified mail numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to have inaccurate items removed from my credit report. Those items were XXXX XXXX XXXX  XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. Equifax has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed.
Product: Credit card

I was misled and charged an annual fee of {$75.00} on my first statement. 
An annual fee was not indicated when I applied for the card. 

The application was made on an XXXX flight. 
Airplane attendants discussed and gave out applications which were then completed and given back ti the attendants.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and XXXX is report late payments for XX/XX/2024 that the other XXXX consumer agencies are not. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

The account is XXXX mortgage with Equifax XXXX XXXX reporting agency payment. History should be 100 % clear no late payments but the status should read paid closed never late, which it does not. I have tried multiple times to fix this with Equifax and they have failed to do so. I have mailed and documents I have tried and tried to try it again, but I get nowhere. This is preventing me from qualifying for a better interest rate on a new home loan if Equifax XXXX XXXX would look into my credit report they would clearly see that I do not make late payments ever, so this does not match my credit profile. I DO NOT MAKE LATE PAYMENTS EVER.
Product: Debt collection

In XX/XX/2019 I received a phone from someone at the Kinum Inc. regarding a medical bill. At this time I told the representative that I shouldn't have a bill because I pay my copay every time I went to the dr office. I have all of my receipts for this. The representative started yelling at me saying I better pay my debt. At this point I hung up the phone. About a week or so later I received the official letter from Kinum stating about the bill they had called me about. I immediately wrote them a letter on XX/XX/2019 saying I'm disputing this bill for XXXX XXXX XXXX. Please send the validity of this account to me so that I can cross reference with payments already made. I then sent this letter certified mail with a return signature received card to Kinum on XX/XX/2019. Kinum never sent me my request to see the bills. I received the return signature card back stating that they had received the letter On XX/XX/19 I  received a phone from Kinum talking about this debt. I told the representative that I sent them a certified letter and they never responded. The representative couldn't find the letter so since he didn't see it I never sent one. I told him by law they needed to respond to my letter and they never did. Instead they put this debt on all 3 of my credit reports because they did not want to do there job. The representative started yelling at me and I hung up on him.
Product: Credit card or prepaid card

Wells Fargo Bank will not allow us to redeem points earned on our Wells Fargo VISA card without first opening an on-line checking account.
Product: Credit reporting or other personal consumer reports

This identity theft report with the FTC was not made in error and is not a material misrepresentation this account is fraudulent the federal law states that identity theft is a punishable offense and one could be held liable for XXXX XXXX XXXX XXXX  or {$5000.00} or both. A bank statement or any statement from third party is not evidence I owe a debt.
Product: Debt collection

Someone from Professional Debt Mediation ( PDM : XXXX ) has called me twice now, wanting to verify the last XXXX digits of my SSN.They had the correct numbers, but would n't tell me what the " concerning matter '' was they were calling about till I verified it, which I obviously refused to do. I do n't have any standing debt except with my bank and student loans, so there 's no reason for them to be calling me. They also contacted my father trying to verify my information. I feel threatened and concerned they have my personal information.
Product: Credit reporting or other personal consumer reports

I have communicated several time for the removal of a bankruptcy and the items that I have showing negative notations on reporting on my credit report recently even providing the evidence from the court stating that they do not report to any third party. I have at no time ever given my consent to XXXX, Trans Union or XXXX to report anything on my behalf. Nor did I ever give my consent to any creditors to disclose my information to any third party company. They are also reporting items on my credit report that are showing to be charged off and according to the IRS publication a Charge off is considered income.

I am asking for the removal of all items on my credit report that fall under the Purview of the sited Acts, Codes and Public Laws immediatley.

They are in direct violation of the Privacy Act of 1974, 15 US ode 1681 ( b ) Permissible Purpose, as well as P.L. 90-321 - That states the following : ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Product: Mortgage

Applied for refinance loan -amount {$150000.00}. early XXXX. Provided reams of info requested. My situation : 1.Enough cash on hand to pay off ; 2.Mortgage payment of under $ XXXX vs income of $ XXXX ; 3.Appraisal ( at my cost of over {$500.00} ) came in at {$290000.00}. 4.Income reliant on guaranteed pension/annuities ( not risky ). I have submitted all info requested but have been informed that I have withdrawn my application ( I HAVE NOT! ) 5.Local bank manager has lodged protest on my behalf. Last communication from bank ( notifying me that I have withdrawn application ) over two weeks old. NO response to my requests for follow ups. I believe that Bank of America is prejudiced against me for one of two reasons : 1.My wife and I are XXXX XXXX XXXX or 2.Bankruptcy in XXXX due to business failure. They have cost me time, money and a lowered credit rating due to their intransigence.
Product: Debt collection

This is a complaint against Genesis debt collections as a repeat offender of consumer protection laws. 

I find it imperative to share my experience and concerns about XXXX  XXXXXXXX XXXX XXXXXXXX and XXXX as the company that uses Genesis and supports their operational methods. Genesis first called me on XXXX XXXX XXXX, a full year and two months since I had moved out from my prior apartment lease at XXXX XXXXXXXX XXXX XXXX ( operated by XXXX ) XX/XX/XXXX. The caller from an unknown number with area code ( XXXX ) XXXX asked if I was me and to confirm to them my identity with full name and confirm the last four numbers of my social security number to them. This person would not discuss the nature of the call until I would. With the bare confirmation of my name, I repeatedly asked to know the purpose of the call as all I knew it could be a scammer and the demeanor was not professional or ethical. The caller reluctantly explained it was an attempt to collect debt owed to XXXX XXXXXXXX. They couldnt even pronounce the name correctly! They asked if I could pay it now on the phone. I requested they follow proper protocols and mail me the evidence, documentation and verification to the work address of record on my lease agreement. If indeed that was a legitimate action, I would act accordingly if the information was accurate. To this the caller replied that was impossible until I could confirm my identity fully. They never e-mailed or sent any paperwork as required by law. Various sketchy texts followed and even mis-spelled the name of the rental complex being represented. The following months different people from Genesis left voicemails and texts again stating they were Genesis debt collectors demanding I contact them, or I would be reported to the credit agencies. The last call and text as recent as XX/XX/XXXX and they are not supplying the required documentation of following due process as required by law. 

For your awareness, I did approach XXXX XXXX XXXX XXXX XXXXXXXX XXXX and asked to speak to their Property Manager, XXXX XXXX during the week after my departure. She never returned my calls or set up an appointment to see me. 
Last e-mails from her I received were dated XX/XX/XXXX, asking the residents prudence during hurricane Ian and rescheduling the balcony painting schedules due to the hazardous weather. XXXX XXXX XXXX XXXXXXXX ( XXXX operated property in the state of Florida ) administratively closed my accounts on XXXX XXXX, XXXX, and these were reported to the credit agencies as all in good standing with payments made 100 % on time. XXXX XXXX XXXX XXXX leasing office Assistant Manager sent the last FAS to XXXX in XX/XX/XXXX ( six months after I vacated the apartment ) when the Florida Statutes establish the notification to be issued in 7 days to 30 days after vacating an apartment and furnish a copy to the addresses of record on the lease agreement. Such documentation was never furnished to me or provided in the manner required by Florida Statutes No. 83 and Fair Debt Collection Practices Act ( FDCPA ) 805 and ( FDCPA ) 806.
Product: Vehicle loan or lease

Hello, I have had a car loan with JPMorgan Chase which I paid in full and you sent me a letter certifying so on XXXX-18. Still the dmv of XXXX XXXX in fl says Chase didn't release the electronic lien and so I can't get my title and sale my car. I have been calling every week for months now and every time I am told by Chase that they released it and every time the dmv says that CHase didn't. I even went to the dmv with the letter but they say they can't do anything until chase release the ELECTRONIC LIEN WITH XXXX  FL!!! 
TEN TIMES i CALLED AND i AM TOLD THE SAME THING AND Chase NEVER DOES ANYTHING. I paid my loan and now Chase doesn't release the lien, you won't catch me doing another car loan or any loan with chase and I will make sure any friend knows how badly you treat your customers!!!! 
Please help me fix this situation. All Chase has to do the dmv says is uncheck a little box and it's done but apparently that's too hard for chase. It's not fair as I paid faithfully without missing one payment for years and now they won't let me have what is rightfully mine and paid for, the title to my car. 
many thanks XXXX
Product: Credit reporting

I AM UNABLE TO OBTAIN CREDIT FROM ANY SOURCE SINCE COMPANIES WHO REQUEST MY CREDIT HISTORY RECEIVE NO HITS ON EQUIFAX OR XXXX. THEY ARE TELLING ME THAT I DONT HAVE ANY CREDIT. I 'VE HAD MY SS # FOR OVER 2 YEARS AND HAVE AN OPEN CREDIT CARD IN GOOD STANDING ORDER WITH XXXX AND HAVE A SCORE OF XXXX IN XXXX. I NEED TO KNOW HOW I CAN FIX THIS SINCE I NEED TO ESTABLISH CREDIT HISTORY BUT I 'M UNABLE TO DO SO IN THESE CIRCUMSTANCES
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$58000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX. 


The incorrect address is XXXX XXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX My credit score was increased by 77 points on my XXXX account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if possible.
Product: Debt collection

I received voice messages repeatedly about a debt I am not sure I owe. This company keeps threatening me to take me to court in XXXX XXXX and will not offer me information about the debt. When I spoke with someone finally he became very rude and would talk over me and would not let me speak then he hung up on me. I do not feel this is a legitimate debt but most importantly I think they are using illegal scare taticts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX XXXX : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I just submitted a claim a few days ago because they locked my card and would not let me access/withdraw any of money, not even at an ATM. 

Now, they informed me they are closing my account and I have to wait 60 days for a check with my funds. This means itll be over 70 days until I can access any of my money. 

Customer service did not give a reason and rudely hung up on me. If i dont get a response soon ill be contacting an attorney. 70+ days of holding my money is awful.
Product: Credit card or prepaid card

XXXX XXXX XXXX said car was overheating water is leaking because it needs a water pump. They replaced it and I paid XXXX. The car started overheating next day called them XXXX. I took car to XXXX XXXX XXXX and they spoke with XXXX. The car was overheating and water leaking in the back possibly the new water pump is defective.

Its under warranty so XXXX   came got it and said they replaced water pump, I got car back on Friday evening and drove it Saturday and it starting over heating. Monday called XXXX and told them it isn't fixed. They never called me back and still to this day haven't. I have phone records to prove I tried to get this resolved and called many times. I then took it to XXXX XXXX XXXX and after they told me its leaking water and the problem is the engine not the water pump. I called and disputed charge with capital one.

and capital one rebilled me in XX/XX/XXXX. XXXX  got car inXX/XX/XXXX and I got it back XX/XX/XXXX for couple days and they took it back returned it XX/XX/XXXX and XX/XX/XXXXwent to XXXX XXXX. Disputed charges and waited. When I was rebilled I contacted capital one and the asked me to send letters, receipts etc.. I did and then I was told sorry you're out of time, I was in XXXX  for month of XX/XX/XXXXand returnedXX/XX/XXXX. Capital one sent a letterXX/XX/XXXX I didn't know untilXX/XX/XXXX. They said I was out of time.
Product: Student loan

I have a student loan debt with the XXXX  XXXX XXXX. This debt started occurring during XXXX. I was lead to believe by the institution that it was not necessary to start payments on the loan for multiple years. When I started checking my credit religiously earlier this year I saw that I was behind on payments for a debt that I didnt know I was on a payment plan for. Ive moved a lot the past few years and I never get mail correctly. 
Earlier this year around XXXX when I realized how much this debt was effecting me I called XXXX went to campus and tried to figure things out, there was no way they would help me. So I called XXXX financial and paid the bill outright, gave them XXXX XXXX  Im not sure on the amount but fully paid the total bill. 
Then In the next few months I saw that my credit was still reporting the bill. After some more research I was told that there was a forgiveness program where things wouldnt get updated or reported to my credit until XXXX of this year. So I waited with this problem I tried to fix effecting my credit, and it is still not fixed today in XXXX. 

I did not know I was on a payment plan with them and missing payments for over a year. 
I paid the debt fully off in XXXX and it did not update even still now to this day, XXXX months later. 
I would like to have this erased because my credit is pretty decent otherwise I appreciate the help it would really mean a lot to me Ive tried but can not get things fixed alone.