23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I tried to do a wire transfer on Chase.com website on XXXX/XXXX/15, which was not possible. When inquiried with their customer service, I was told their system was down and I had to go into a local branch. After rushing into a branch to make their wire deadline, they first attrmpted to charge me more for coming into the branch. I had to fight my way to credit me for the wire. I then found out at the end of the day that they sent out a duplicate wire due to their system malfunction. I have been trying for the past XXXX days to get my money back with no end in sight. All I get is a run around if I call. I was given a case # to start a " best effort '' recall action with no result. They said this was an error on their part but they just apologize for it while I am out of pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and payment plan up and has been paid on time. XX/XX/XXXX XXXX still reported on my account as a charge off and is collecting a tax credit and payment from me
Product: Debt collection

Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager
Product: Debt collection

I checked my credit report, and there is a debt from XXXX XXXX from Central Portfolio for {$4000.00}. I have never heard of this company, and I need any information from that company, like the original contract with my signature, sent to me to validate I owe this debt.
Product: Credit reporting or other personal consumer reports

XXXX has reported my account as delinquent, in response to an autopay error on their end. My credit has fallen from XXXX to XXXX because of their error. The statement is not accurate, as autopay was set up and payment was sent but the company rejected the autopay, and then did not mail any paper letters or reach out via message, email, or phone to alert me. 

Explanation of issue : I had autopay setup for a pre-determined amount ( {$140.00} ). I had a final bill of {$31.00} in XXXX. When the autopay was sent for the final bill, it was rejected by XXXX because it was greater than the balance. 
I received no letter, phone call, or email warning me that I was late in payment or that the autopay payment was returned. 
XXXX XXXX XXXXXXXX then marked my account as delinquent. 
As soon as I realized what had happened, I paid off the balance. The customer service representative assured me he would remove the delinquency from my account, but that has not happened, so I am hoping you can help me move this case along. 
Steps I have taken : I started a dispute process with XXXX XXXX XXXXXXXX 3 months ago. I have called them to check in on it and each time and told that it has been escalated, but that the timeline for resolution is undetermined and they can provide no further details. There is no paper trail or case number in my account portal with them. 
I opened a dispute with Experian - XXXX, and they came back with the determination " The information you disputed has been verified as accurate ''. 
I would greatly appreciate your assistance with moving this case along as there seems to be no resolution in sight from XXXX, and they did not communicate any of the failings of their autopay system. 

Best, XXXX XXXX XXXX
Product: Debt collection

XXXX of debt, with my wet signature and also why is debt reporting incorrectly. Its showing {$0.00} balance on XXXX and {$380.00} on XXXX and XXXX
Product: Credit card or prepaid card

To whom it may concern : Re : Deceptive marketing Ambiguous responses Misrepresenting Benefits On XX/XX/XXXX I entered an Apple Store in XXXX, XXXX  to purchase an XXXX. I had no intention of applying for a credit card. As I was getting to pay for my new phone. The sales associate informed me that if I had good credit I could qualify for a card with 0 % interest for 12 months. The response will be immediate, and I can repay earlier. I received an instant approval and the phone was charged to my new credit card. The total balance was {$1200.00}. On XX/XX/XXXX, I went to make a payment of {$240.00}. I then noticed the balance stated that interest would be accumulating in the account as of XX/XX/XXXX if the total balance due was not paid in full. I immediately contacted the customer service department, and they notified me that I qualified for % percent interest, but it will be on a 24 monthly installments set amount. I explained that I wished to pay as the original advertisement was made at the store. I preferred a 12 month 0 % interest with the ability of me deciding how much I pay monthly, and not in a 24 monthly installment plan. The representative told me that was not possible. When I asked for the terms in writing, he said I can only get a reply in writing if I used the text feature ( Please see attached ). The conversation was ambiguous and I didnt not receive a clear answer. I would not have done a credit inquiry nor open an account have I been given the correct terms. This company is misrepresenting benefits and engaging in deceptive marketing practices with the goal of getting a consumer to open an account. I ended up paying the account in full. However, had not been in a position to due so I would have been forced to keep a 24 monthly installment plan. Please look into these deceptive marketing practices. I wish to close the account without any repercussions on my credit score. Thank you in advance for your attention to this matter. 

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

re case # : XXXX i paid off the loan on XX/XX/XXXX, i applied for the title on DMV website and i received the title, ( there was no lien on the title ) on XXXX i got a letter from DMV stating that Chase is the owner of the car and there is a lien on my car! after contacting DMV via phone, i got to know that chase has put another lien on my car car AFTER I PAID OFF the car mid XXXX and Chase is the lien holder. 

i have contacted the associate who was working on my case twice : XXXX XXXX twice ( via phone and via email ) but there is no response. 

can someone look into it and tell my WHY there is a new lien on my car while it has been paid off?
Product: Mortgage

I called XXXX XXXX XXXX to make a mortgage payment around XXXX/XXXX/XXXX. They informed me that my mortgage was sold to Carrington Mortgage on XXXX/XXXX/XXXX. Carrington never called me. I called Carrington on XXXX between these dates to get information to make a payment. They told me that they were going to mail me paperwork. I received their paperwork on XXXX/XXXX/XXXX. Thank goodness I made a payment on XXXX/XXXX/XXXX through their automated phone system because I was concerned I would n't get their mail before the 30 day period. I called Carrington again today XXXX/XXXX/XXXX because I noticed they did n't report to any credit agencies of their mortgage acquisition. They told me they ca n't report until 60 days because of the RESPA laws. I asked them to provide me information about this and they said they could n't and that I should just research the RESPA law. My credit score has been negatively impacted because of insufficient  information being reported to the credit agency. Please help me get Carrington to  report to all credit agencies regarding my on time XXXX payment by XXXX XXXX.
Product: Mortgage

I want to take PMI off my loan. I owe XXXX and M & T Bank sent me a letter stating my house needs to appraise for {$100000.00} in order to remove PMI. The original loan amount was {$82000.00}.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 Account : XXXX XXXX XXXX # XXXX Account : TBOM # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX Account : XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : Bankruptcy Chapter XXXX # XXXX Account : Bankruptcy Chapter XXXX # XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states a consumer Reporting agency can not Furnish a account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states that no consumer Reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not Furnish any information relating to a consumer to any consumer Reporting agency of 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

On XX/XX/2021. I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b and 15 USC 1666 ( b ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Fraud occurred on card on XX/XX/year>. They filed dispute but claimed a XXXX card is reg z. Fraud is reg e. They refused to provide access to funds during investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2019, US BANK DS NORTHEAST add a hard inquiries on my credit reports.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquires on my consumer report that are fraudulent and I would like them removed immediately. This is affecting my credit and causing emotional stress. Please remove these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase Bank asked me for additional information which I am providing today attached. My original complaint number with Chase was ; XXXX XXXX. 
Enclosed here is the information and documents Chase requested. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and Equifax recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  reported the information to XXXX  and Equifax . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. XXXX  and Equifax seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to Equifax and XXXX, the letter from the bankruptcy court, and their removal for non-compliance XXXX XX/XX/XXXX I received an email from XXXX  stating they removed one of the public records but the other one remains. Equifax reported the 2 public records will remain. I have sent the letter from the bankruptcy court and XXXX  XXXX which states neither party reported this information to Equifax or XXXX
Product: Mortgage

I received a call on or around XXXX XXXX, 2015 from XXXX XXXX, Producing Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX. This was my initial mortgage lender under the name XXXX ( they later changed their name ). Shortly after obtaining the loan it was transferred to XXXX XXXX XXXX XXXX. I have been paying XXXX now for around 2 years. XXXX XXXX was calling to advise me that they were going to be taking back my loan from XXXX. He said he would be sending me the details. I have no current account information for XXXX only XXXX. I, later that day received an email that essentially just said " Welcome back to XXXX '' ( attached ). I have received no other communication from either of the lenders. Later in the month I received my regular statement from XXXX with no mention of this change. It is now XXXX and I have still received no notification of transfer from either lender, no date of when service will stop with XXXX and new service will begin with XXXX and no effective date of transfer, as required by law. I have no idea who I should be making my next mortgage payment to and I do not want it to be paid to the wrong party and not credited to my account.
Product: Debt collection

This debt is passed the statute of limitations. I would start to receive flyers from attorneys about being so I looked it up and originally saw a garnishment. After paying for legal assistance back in XXXX, it was realized I was not properly served and case was dismissed. They issued a judgment but I was never notified of that either. Legal assistance pulled up the information and the amount owed listed in documents were incorrect. Now it makes sense when I would apply for something I was being denied for an outstanding debt. This is been on-going since XXXX. I am trying to resolve this as I am in the process of getting my finances and credit on track as we have started a new year. This matter is not helping. XXXX XXXX does things in a stealth like manner and you dont find out until its too late. They definitely need to be investigated when it comes to their debt collection practices. SoFi Lending which who I took the loan out from is no longer reporting the debt.
Product: Checking or savings account

I lost my phone and debit cards someone one got into my app account and wallet and other online banking services and placed orders with XXXX and I disputed the charges and the investigation team never investigated Anything they denied my claim within 48 hours but gave no clear evidence as to why the claim was denied except for a screenshot I sent them myself I have filed disputes over and over rebuttals over and over with NOONE EVEN TRYIMG TO HELP with at least a provisional credit and a thorough investigation!
Product: Credit card or prepaid card

I noticed a {$95.00} annual fee on my American Express card. I used the online chat feature to address the issue. They said it is the annual fee for my card level. When I first got the got years ago, I specifically got it because it had no annual fee. While they will not admit it, they upgraded my card and started charging this annual fee without my consent. They said they will downgrade my card to the no annual fee version and will prorate the {$95.00} annual fee on my next statement. But I want to register this complaint anyway ... credit card companies should not be " upgrading '' consumers accounts and charging extra fees without their consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DP OF EDUC XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

I opened up a credit builder account with Self Financial. I paid the initial process fee and they In return open up a certificate of deposit and report that amount as a loan on my credit report. I made monthly payments to them until it was paid off. In return they are supposed to cash out the certificate of deposit and return that money back to me. I have not received any of my money back from them. I opened up a XXXX XXXX XXXX complaint and the company told the XXXX  that they are having a hard time in identifying me and that they holding my funds because they believe that my bank account is fraudulent. Everything that Self Financial has stated or claimed has been dishonest.
Product: Student loan

I am an authorized payer for my parent who has a XXXX  XXXX  loan who is serviced by Nelnet. Netnet has provided me with my own " authorized payer '' account that can make payments on my Moms account. 

I am able to view payment history. This payment history DOES NOT include payment date. It also populates {$0.00} as applied to principle and interest. My payment history on my screen adds up to {$32000.00}. When I add up the payments I made viewing my parent 's account, it adds up to {$27000.00}. 

I made a {$1500.00} and {$3000.00} ( {$4500.00} total ) payment that was never taken out of my account and never applied to the principle. I see those payments as successful on my authorized payer screen. On my parents screen, they do not appear. 

As an authorized payer, I am also unable to view account summaries and how my payments have been applied to the loan balance. I am also unable to receive email confirmations for all payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Credit card

In XXXX of XXXX, I became a victim of fraud. The fraud affected XXXX credit accounts, for which I filed a XXXX complaint with the FTC immediately, filed a police report, and by federal laws and regulations, all negatively impacted creditors as a result of the fraud immediately removed any negative accounts from all bureaus. XXXX of the bureaus, XXXX and XXXX removed Discover under lawful directives, however for over XXXX years, Discover, through XXXX, has repeatedly denied my request to remove this negative, fraudulent account from my XXXX credit report. Even though it has caused me great harm, even with Discover being fully aware of my immediate reporting of the fraud, filing a formal complaint with the FTC, and filing a police report, ( none of which is required ), Discover has independently chosen to refuse adherence to federally mandated laws and regulations, chosen to punish me for the last XXXX years, all while XXXX other major competitors acted immediately under laws relating to negative account reporting under claim of fraud. As further proof, account number XXXX on my XXXX report lists my credit limit at {$1500.00} but the amount owed at {$3700.00}, and not from interest as Discover closed the account in XX/XX/XXXX. I state now in this complaint, as I did in XXXX, that I was a victim of fraud on multiple accounts. I filed a fraud and identity theft report with the FTC immediately, and a police report immediately ; The only creditor who refused to act lawfully was, and still is, Discover through XXXX account number XXXX and done so intentionally, and in knowledge of the harm caused to me.