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

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is being submitted personally, not through a third party, and I request your immediate attention. I never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting stems from a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.
Product: Credit card or prepaid card

In XX/XX/2018 I learned that a payment that I sent to Synchrony for Care Credit through my bank wasn't received properly. So I noticed that the company offered a multipay option. I knew the payment due date was the XXXX of the month, so in XXXX I scheduled a payment for XX/XX/2018 for the XXXX payment, and another payment XX/XX/2018 for the XXXX payment, and scheduled payments for the XXXX of each month, scheduling payments sufficient to pay the entire balance. 

I logged into the account and noticed the balance was higher than it should have been, and that is when I realized that I was being charged a late fee for each month since XX/XX/2018. I made a payment XX/XX/2018, for the XXXX XXXX payment, but it wasn't credited to the account that way, and instead the company is showing the XX/XX/2018 payment, and a late fee. This continued for the XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and the XX/XX/2018 payments. 

I have reached out to the company about this issue and they will only remove 1 late fee, but with a {$38.00} late fee being charged every month, they have charged hundreds of dollars in fees for issue that started when I intended to make my payments early several months ago.
Product: Payday loan, title loan, or personal loan

This is complaint related to credit reporting for a 90 day late, on a ( LOC ) line of credit/over draft acct that was associated with a now closed checking acct. 

The line of credit acct was closed prior to payment date, i did not received any letter or notification in the mail telling me anything about the acct being closed.This acct has a min payment of XXXX dollars, so would never be a problem for me to pay the XXXX dollars monthly payment at all and had been paying on the acct for several years without issue and was never late on the acct.I tried to make a payment on this acct more than a dozen times from XXXX  using the online system as i have always done.I did received a phone call and voicemails in XXXX or XXXX and 1 time while driving, from someone who stated they were from penfed collections but was a bit confused because they were telling me the acct is not closed and ask me to make a payment to bring the acct current which i agree to do, so i tried again later that day to make payment again using online tool from the website, but again was getting a strange error, i tried this more times diffrent weeks later, also tried transfer funds from my savings acct, tried also using diffrent external accts, also trying adding a new external acct, but always got somekind glitch or error, and initially thought it was an issue with the web site so waited few more days and tried again and again.I kept doing this because very hard to reach customer service on most days when calling into the customer service phone line, i would either be on hold a very longtime, another time i did eventually get through to a person, who then told me they need to transfer me over to the collection dept, and that time when she said she was transfering me, i then heard a dial tone so somehow the call got disconnected or dropped when being transfered.So right now i have 90 days late on my credit report, because so many times i have tried making a payment, but as of today i know i can nolonger do it online and but never notified in the past only recently was i told of this that i cant use online self service for my payments, i would either have to call in or send through the mail..Since at a later date i did get through to someone at customer service who was able to transfer {$85.00} from my savings acct to the credit acct so i could bring the acct current, and that person told me i would either have to call in to make future payments or send through the mail, so since XXXX i am having to mail in my payments through the mail since that is the only option.So i dont think i should have my acct on the credit report showing as 90 days late, for an acct i could have easily paid, considering payment is a min of XXXX dollars a month, and penfed does not provide any notification or correspondence telling me that i can nolonger pay this acct online which is the only way i have ever made the payments in the past.So i would like the 90 day removed, since i had the expectation i can pay my acct online as i have always done since the acct was opened.
Product: Debt collection

Creditor reported debt that is outside of Texas SOL on my credit report. No written communication sent to debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent countless letters over the past year about an error on my credit report with transunion showing a Bankruptcy and I just get a default letter stating verified I've contacted XXXX XXXX  and the court they claimed they verified with and both sent me letters stating it wasnt with them Ive ask transunion several times what was the method of verification just to get sent a letter again saying verified. not saying when, or who, what day, what company, the person they spoke with, or the address of the company. I already called transunion after they send a letter stating that im a Credit company only to say they won't look at my dispute. I had to send another letter verified and get a signature just to say verified no other details
Product: Mortgage

Loan # XXXX Names on Account : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX NJ XXXX Complaint : Statement dated XX/XX/XXXX from Freedom Mortgage stating `` {$4500.00} escrow shortage on account ''. Trying to raise payments for escrow balance. 

We have already submitted tax bill, statements, reached out to our counties tax assessor, proved beyond a reasonable doubt that this is TO be removed. It has been extremely stressful and against HIPPA violations having to resend the documents over and over again. As you can see in the email documentation, this was confirmed in XX/XX/XXXX. We should not be experiencing this. Also note : Tax Bills for our county ARE a public record, which means this is viewable and an easy confirmation. HIPPA violations due to asking for more documentation that is unreasonable. 

Confirmed MULTIPLE times with County Tax assessor/mortgage company. 


XX/XX/XXXX : Confirmed Taxes would be removed from escrow. 
Confirmed by XXXX XXXX ( Customer Relations Specialist, Freedom Mortgage Company, XXXX ) Confirmed via phone call by XXXX XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

I have had an account with Paypal since XXXX that currently holds {$100.00}. I am trying to withdraw the funds to any other account. Paypal claims I need to verify my identity, but has refused all my attempts at providing identifying information, and now claims there is a 180-day freeze on my account, but will not provide further information. Talking to Customer Service Reps ( CSR ), I have received the following contradictory and often incoherent answers : - You need to submit the identifying documents ( I have done this three times ) -You need to wait 24-48 hours or up to 10 days for the system to " refresh '' ( I've been waiting over a month ) -Your account has a permanent hold for 180 days. 

-You can transfer the balance in your PayPal account to your bank account or to send you a check. You can't withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargeback. 

-We have found potential risk involved with your account, transactions and activities as to why as a business decision we are parting ways with you. 

- '' Dear XXXX XXXX ( not my name nor anyone I've ever met ), we are unable to verify your identity. '' I just want to be able to escalate this issue to someone who can actually verify my identity and let me take out my funds.
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. 

Transunion XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX ( late payment ) High Balance : {$7900.00} Balance Owed : {$7700.00} XXXX  Original creditor/ XXXX XXXX XXXX XXXX {$23000.00} XXXX Lists non-mailing addresses I have requested remove but I was denied when I called over the phone 2 weeks ago. The addresses are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor/ XXXX XXXX XXXX XXXX {$23000.00} 15 USC 1681 Section 602 A states, I have the right to privacy. 

15 USC 1681 Section 604 A, section 2 states, a consumer reporting agency can not furnish an account without my written consent or instructions. 

15 USC 1681 c. ( a ) ( 5 ) states, no consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse item of information other than records of convictions and crimes which antedates the report by 7 years. 

15 USC 1681s-2 ( a ) ( A ) ( 1 ) states, 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 that the information is inaccurate. 

I have not provided consent or instruction to any credit reporting agency ( Transunion, XXXX or XXXX ) to report any of the data provided above, nor have I been given the option to opt out. This makes the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 complaint number XXXX. I filed a complaint against Trans Union. The company Response states my complaint includes a dispute which is completely false. I have never disputed this posted account ( USBK COURT NEVADA DOCKET # XXXX ) The company failed to validate this within 30 days.
Product: Payday loan, title loan, or personal loan

I have addressed this fraudulent account previously with both CFPB as well as The Lending Club, unfortunately, the complaint is closed by CFPB immediately upon receiving a response from the company regardless if the issue remains unresolved. This is not an account opened by me. The company responded in XX/XX/2017, indicating that I have not provided them with the required documentation, which is FALSE. I have been in contact with your investigators and have submitted all the information above once again on XX/XX/2017. On XX/XX/2017, I was contacted via email by Mr. XXXX XXXX, who stated he had not received the requested affidavit, I reminded Mr. XXXX that the required documents were sent to his inbox ( XXXX ) on XX/XX/2017. Mr. XXXX responded and stated that he required an incident report be filed as well, I replied informing Mr. XXXX that an incident report was not something I could furnish as per my notarized agreement with the Individual responsible, ( which I provided to the Lending Club ), in exchange for her admittance, I would not file charges. I have not heard from Mr. XXXX, nor any representative from The Lending Club since. The Lending Club has a copy of the signed agreement and all documentation, so I am unsure why they are requesting me to violate a notorized statement. 

This situation has dragged on for many years, and I am desperate to put it behind me. I am willing to work with the company, as I've always been, to come up with an agreement to resolve this issue once and for all. The entire ordeal of having someone extremely close to me cause such chaos, and turmoil in my life financially, mentally, emotionally and professionally has been tough to move past, especially with the remnants of her actions lingering on my credit report, military, and XXXX XXXX record. I ask The Lending Club to work with me to come to an agreement that is both fair and satisfactory to both, the company and myself so this situation can be put to an end once and for all. 

I look forward to hearing from representatives of your company. 

XXXX XXXX
Product: Credit card or prepaid card

I received an email notice that my credit card statement was ready. Since I have opted for paperless statements, I must access my statements online. I have tried to log in to the website on XX/XX/XXXX, XXXX, and XX/XX/XXXX with no success. All that is displayed after entering my user name and password is a blue screen. On XX/XX/XXXX, I called Chase customer service to ask about the issue and was told they were doing maintenance and the website would be available on XX/XX/XXXX. So on XX/XX/XXXX, I again tried to log in with no success. How am I supposed to pay my bill when I can not access my statements? I have experienced the same problem last month when trying to access my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and my Fianc have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since XXXX XXXX XXXX affected my credit score multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower credit score.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, despite my efforts, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. Despite multiple attempts to resolve this issue, the inaccuracies persist, and I am seeking further assistance to address this matter. This marks the third time I am reaching out for help in rectifying these issues. 

These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you could help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. Please help me remove these inaccurate items immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Sent from my iPad Begin forwarded message : Good evening my name is XXXX XXXX, the reason for this email is .I purchased a vehicle last year in XXXX from XXXX, although I was n't approved the first day .My salesman called me the next morning stating he had gotten me approved for a 2013 XXXX XXXX .Since having the car it 's been in the shop three times, then when I called today because of the payoff amount .I found out west lake is charging me an extra XXXX XXXX dollars in interest, plus I 'm going to end up paying XXXX XXXX XXXX dollars for a XXXX .Now I will take the blame on my part for not throughly reading every word of that contract .Yet I was never told by my sales man, that I 'd have to pay that much and he never informed me that I had the options of choosing any vehicle that fell in that amount .When I try and trade the vehicle in, I ca n't because of the negative equity in the car, and no one will refinance because of the price .So pretty much I 've been throwing money away because I 'm still owing XXXX after paying a year .Ive paid almost XXXX $ into that car and every dime has gone toward interest of XXXX $ a day .If I would have none any of this, I would have went to a buy here pay here .I have read all the negative reviews on XXXX, also on the consumer affairs web site about west lake .I serve XXXX XXXX and I do my best to treat others the way he instructs me too, He claims he 's helping the consumers, Yet how can you say your trying to help people that have bad credit, when your charging them XXXX $ in interest. I got this car for my wife so she could get back, and forth, now it has caused unexplained XXXX in our marriage .Im so upset seeing how people can have billions of dollars by hurting others He should be featured on XXXX XXXX. I thought by paying each month for a car note that is due each month, that I 'm paying on time yet I learn today each day after the XXXX, I 'm being charged XXXX $ a day .Im not going to continue to focus my energy on this matter because regardless of how XXXX XXXX XXXX doing unethical business, XXXX is still in control and he fights all my battles .No! I do n't have a home on the beach or billions in the bank, but I do have integrity and the favor of XXXX .I XXXX some one realize that west lake financial services is not helping anyone but The XXXX.I understand that this is a XXXX crime, and the FBI has more important issues, but the XXXX Massachusetts has sued them .The director of consumer relations has sued them .Yet this con artist continues to steal and deceive hard working Americans.Honestly he is worse then XXXX, please please look into this company, have a blessed day Sent from my iPad
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. These companies are out of control with their false fraudulent financial reporting. " XXXX, TransUnion and XXXX are 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. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 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. '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX TransUnion " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse item 's they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. U.S. Code 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 and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

Chase Bank 's website is not allowing me to login with correct credentials. The " forgot your password '' function does not work. I have reset my password several times only to have login reject my correct username and password. Their app has the same problem. I have contacted their customer service about this and nothing has been done. I have read stories of many others who have had the same issue over the past few months. I do not have the time or patience to call their customer service during their short hours of availability every time I need to pay my bill, nor can I hardly understand their internationally outsourced customer service representatives. I believe the inaccessibility for me to pay my bill is a major problem on their part and it needs to be fixed or else they should be penalized, or at least forced to notify customers that their website is not working properly, or temporarily shut it down and fix it so as not to mislead their customers into thinking online bill pay is an option when it is not.