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

I have disputed the fact that I was never late and there is not a pending foreclosure. My Equifax report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with Equifax, XXXX and XXXX. There were no late payments either.
Product: Vehicle loan or lease

Since my questions are being disregarded. Pertaining to the auto transaction I received using my consumer credit, If you provided me funds in the form of a loan, Can you provide me with an actual document pursuant to GAAP ( General Accepted Accounting Principles ) pursuant to 12 U.S.C 1831n, showing where the money left your ( Navy Federal Auto Loan ) account to fund this alleged debt?
Product: Credit reporting or other personal consumer reports

I do not own this card. I did not apply for this card. When I receive this card in the mail back in XX/XX/year>, I immediately called one main XXXX and told them to cancel it because I did not request it. Ive called them four times after. XXXX  XXXX, twice in XXXX and XXXX. They finally closed it in XXXX. However, theyre charging me for an annual fee even though I never used the card. I never apply for the card. One main bank advised me that I had to fill out an affidavit stating that the credit was not mine so I did, but they are still reporting this credit on my credit reports. I am now being reported as being 120 + days late for a card I never activated. I am trying to buy a house and this has caused me great issues.
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 XXXX 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 for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX, XXXX. XXXX XXXX  : {$13000.00} XXXX XXXX XXXX  : {$28000.00}
Product: Mortgage

I received a letter XX/XX/XXXX from Wells Fargo Home Mortgage stating that my account was impacted due to a system outage along with a check for {$70.00}. 
On XX/XX/XXXX I called Wells Fargo & spoke with XXXX, an escalation supervisor. I recall this was the time my mortgage was listed on my credit report twice and requested more details about the mishandling/modification of my mortgage account without my permission. 
XXXX explained that there was a system outage and my escrow interest was not appropriately calculated or added to my account for an unknown period of time. My escrow interest was accurately calculated, my escrow account amount was inaccurate and my mortgage payments were accurately calculated based off of this. 
I explained I received an escrow analysis statement on XX/XX/XXXX that showed a shortage of {$410.00} & my loan payment was subsequently inaccurately calculated because of this XX/XX/XXXX error. 
Today I understand that I am a victim of Wells Fargo predatory modification & mishandling of my mortgage since XX/XX/XXXX. 
For the past 4 years my monthly mortgage payment was miscalculated due to this error. 
I am requesting the appropriate measures be taken to properly calculate what the actual escrow shortage would've been in XXXX and what my actual mortgage amount should've been. I am requesting a detailed report with the modification calculation for every month starting in XXXX XXXX XXXX. I am requesting the full calculated credit be backdated including all miscalculated interest & fees. I would like this directly applied to my mortgage account for every month of miscalculated interest to my mortgage. I would also like to be compensated for the error of two mortgages listed on my credit report
Product: Credit card or prepaid card

Good afternoon, I would like to submit a complaint for the following companies. 
Due to this situation my record with the XXXX XXXX has been affected and I have been rejected when applying for a credit card and I am concerned this will affect me in the near future. 
I am a consumer that pays a home mortgage, car loan, and all my credit cards on time. 

*Synchrony master card : my account was closed due to few late fees. 
Most of the late fees was due to an issue with Synchrony master card rejecting my payment. 
For example, my due date was every XXXX of each month, on XX/XX/, I summited my on-time payment and got rejected. I was not notified about this until a month later by mail. Incidents like this one happened few times where my payment was submitted on time with the bank account ( XXXX XXXX ), I use all the time and I was not notified about the payments being rejected until a month later on the mail. I called on XXXX about this situation and I was not given any type of explanation or help. I was told the system takes time to update that is way I was informed about this weeks later. I also contacted XXXX XXXX  in regards of the payments that were rejected, and I was told they do not have a record of any of this. I use this account all the time to pay my bills and had no issues. 
They also had the wrong address on file due to their error. That is the reason why i was not receiving my mail. 
I was not giving a warning or a notification that the account was closed until few weeks later when I received a letter on the mail. 
Unfortunately, I do not have the dates for the other incidents since they are no visible on the website or any letters that was sent since I misplaced them. 

**XXXX credit card : On XXXX XXXX someone submitted a payment of {$4.00}. XXXX I contacted the company in regards of the payment that was made to my account in error. I also tried to submit a payment and I was informed that no payment was due at that time. I was not given any other information. 
Few weeks later they closed my account because of my late payment and because I exceed my balance. This affected my credit score. I contacted them and they were able to resolve the issue since there was an error on their end and they reopened my account. However, this situation provided a negative impact to my report. 

***Gap  credit card : my account was closed due to late fees in XXXX 
I had the same situation my payment was rejected, and I was not being notified until few weeks later. Unfortunately, I do not have access to the website and can not provide any details.
Product: Checking or savings account

I received a call from someone claiming they were with Chase. You're fraud department they said my card was compromised and that they were going to send me a digital card. I told them I didn't authorize anything. At the time this happened I was at work and at the time they stole all the money out of my account I was still at work. When I called Chase Bank and asked how they took the money out of my account. I was told it was taken out of an ATM 30 different times with a card from an XXXX that I do not own. I have never owned an XXXX I own a XXXX. I open the case with your fraud department and they denied me so I opened a second case and I'm still waiting to hear back if if the 2nd case. If the second case is denied I'm going to have to take legal action. I've attached documents to show that I was at work what money was taken and proof that I do not own an XXXX.
Product: Credit card or prepaid card

Hello I received a Strange Statement with {$890.00} balance from NEW YOUR & COMPANY. I never had this credit card and never purchased any thing from this company. It asked my personal information in detail, including SS #. 


The following information is about this company : Name : New York & Company, Web : NYANDCOMPANYCARD.com phone : XXXX, XXXX Address : XXXXomenity- New York & Company XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

My mortgage company has in has my escrow and their reason is that they think i we are going to default on our mortgage. They will not refund our money because they might need money for repairs. They refused refund the money or decrease the escrow.
Product: Credit reporting or other personal consumer reports

Called up and closed account in XXXX Deceptive business practices. Im sure you can pull up the recordings and verify called. I had a deposit on the card. Also it is being reported on the credit bureaus as closed but yet XXXX keeps reporting missed payments!
Product: Credit card or prepaid card

I had an Account at XXXXXXXX XXXX XXXX in XXXX Mass. The card was a combination Member/Credit card. The Credit card Co. was XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX in XXXX Ma. closed. I was told by XXXXXXXX XXXX XXXX  that I could close my account and get a total refund of my membership dues ( {$100.00} ), which I did onXX/XX/XXXX at the XXXX New Hampshire store and my refund was paid in full. I had a Cash Back rewards balance from XXXX of {$150.00} which the credit card company ( Synchrony ) was supposed to pay me in XX/XX/XXXX. I canceled the credit card on XX/XX/XXXX and they gave me a confirmation # XXXX. The credit card company is telling me that because I canceled the credit card I have forfeited my Cash Back rewards of {$150.00} from XXXX. They have told me that when I canceled the acct. I was advised that I would loose the Cash Back rewards. No one ever told me this, if they had I would have left the acct. open and closed it after receiving the Cash Back rewards check
Product: Student loan

- SoFi contacted me to refinance my private student loans with XXXX XXXX which I did on XX/XX/XXXX. 
XXXX XXXX a notice on XX/XX/XXXX about the new selection of the XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXX provided bankruptcy notices on XX/XX/XXXX and XX/XX/XXXX with the decision to discharge XXXX of my loans in response to my XXXX  XXXX bankruptcy filed in XX/XX/XXXX. 


XXXX Loans : - Loan Number : XXXX - Loan Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife had some negative accounts on her credit report she paid all of them all reported that they were paid but XXXX Ive called the original creditor they told me they received the payment in full the credit agency refused to work with us the original creditor has also tried to contact the collection agency the original creditor said it up to the collection agency to report that its been paid we paid this on XXXX XXXX the company is Tri State Adjustment in XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX I also noticed that on XXXX XXXX they reported to the credit bureau that this account is still active which is a lie when it was paid in full on XX/XX/2019 please shut this company down and fine them to the highest level as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to delete an account that I provided proof in the form of documentation.The collection company is called ; ICS Collection Serv , Inc. The amount of the bill is $ XXXX.The bill was paid in full by both the orginal creditor and Illinois Medicaid . The original creditor is XXXX XXXX ( XXXX Hospital in XXXX Illinois ). The date of service was on ; XX/XX/2017. 

XXXX informed me that they can not call or notify XXXX hospital and that ICS has informed them that I still owe this bill. XXXX did not do a reasonable investigation by simply telling me that ICS says the information is accurate. I provided legitimate documents to prove this. What protection does consumers have if documents are being overlooked? 

I want justice by having this item deleted from my report immediatly.I have filed a complaint with XXXX and also know that I can and will take ICS to small claims court to seek up to {$1000.00} in damages, if they do not comply in a timely manner.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on equifax dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.
Product: Credit card

I got an email on XX/XX/scrub>XX/XX/24 saying I applied for a JetBlue credit card and that I was approved. I got another email saying the will send me my card in the mail, and the last email I got was saying thank you for going paperless. I never applied for a JetBlue credit card.
Product: Credit reporting or other personal consumer reports

Request for Blocking and Deletion of Accounts Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  associated with my personal information due to the recent data breach, pursuant to 15 USC 1681c-2 ( a ). As a victim of this breach, I am concerned about the potential misuse of my information and request that you take immediate action to ensure my accounts are secured. Please provide me with confirmation of the actions taken in response to this request. Thank you for your attention
Product: Debt collection

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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have neither consented to nor agreed to have this debt reported on my credit account, and I have no knowledge of any of the accounts being reported on my credit profile. Additionally, I have not signed any agreement with the company attempting to claim this debt.
Product: Student loan

I attended the XXXX in XXXX XXXX Indiana from XX/XX/XXXX until XX/XX/XXXX. 

I recently filed a complaint against XXXX for false information that was given to me on my loan. Since then I was contacted by a woman who neglected to give me her last name from Chase. Her name is XXXX and the number that she has given me is ( XXXX ) XXXX ext : XXXX. 

While speaking to XXXX a week ago today, I was informed that Chase would be honoring my prior request for a refund and I needed to send proof of payment to her email at XXXXXXXXXXXX. I did this and was informed that she would be sending the XXXX dollar refund to my account. 

A XXXX later, there is still no refund. I have attempted to contact XXXX XXXX times in the past week to ask when this would be deposited, and her phone continues to ring with no answer. I have also sent XXXX emails to the address above looking for information. I next contacted XXXX who explained that they have heard nothing about a refund. 

I am completely fine with XXXX servicing my loans, however how is the borrower supposed to find any information when the XXXX companies do not work together to inform their customer? 

I wish to withhold all payments to XXXX until i receive my refund, however I know that I will then just be in a delinquency situation which will be my fault in the end. 

Can anyone tell me what is going on?
Product: Credit card

I originally filed a complaint to have a 30 day late reporting for XX/XX/2023 removed from my account. I am requesting removal the 30 day late reporting from my credit report given the extenuating circumstances of this issue. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I work away from home for 3 to 6 months at a time and there for do not receive mail on a regular basis. 
2. I believed I was signed up for automatic billing. I have XXXX  and heavily rely on autopay to make sure payments are made on time. 
3. I also rely heavily on paperless billing, email statements, and notifications on my account because, as stated above, I am not home for work for months at a time. 
4. Modern companies like XXXX  XXXX XXXX and XXXX, also send text reminders of upcoming payments. As someone with XXXX  XXXX  this is extremely helpful. US BANK doesn't have these services. 
5. I use myFICO to continuously monitor my credit. MyFICO notified me that I had a 30 day late for XXXX. XXXX. I never received a email, phone call, or text message indicating that I was late, payment reminder, or past due notice. Most modern banking institutions have these processes in place. And as stated earlier I'm not home most of the time to receive snail mail. 
6. Because of these circumstances please reconsider and remove the 30 day late from my credit report. I have never been late before or since. XXXX. 
7. With regards to payment made in XX/XX/XXXX and XX/XX/XXXX, which you didn't receive until XX/XX/XXXX, I have absolutely no control over the inner works how and when banking institutions process transactions and should not be punished for something I have no control over. Please reconsider and remove the 30 day late reporting. 

Thank you for reconsideration
Product: Checking or savings account

I am out XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I went to the XXXX XXXX Chase Bank JP Morgan and the banker, XXXX XXXX helped me deposit four of my XXXX XXXX XXXX checks via the mobile app and two additional XXXX XXXX XXXX checks I had to give to the teller in person because the amount was too high for mobile deposit. On XX/XX/2023 I went to the XXXX XXXX to withdraw {$10000.00} out of my account and it was declined. The bank told me that they suspected it was fraudulent because their third-party verification system did not verify the telephone number on the check stub. They told me they can not release my money due to the fact the number is not a registered number to the company. The checks were Issued from XXXXXXXX XXXX XXXX and the Insurance Carrier is XXXX XXXX XXXX XXXX  served by XXXX XXXX XXXX  and XXXX XXXX XXXX phone number is ( XXXX ) XXXX. It clearly says on the stubs that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The checks have cashed and cleared on the Insurance side but the bank has been holding my money since XX/XX/2023 and refusing to release it to me even though it has cleared and will not return to Insurer. 
on XX/XX/XXXX I spoke to and emailed XXXX XXXX who requested a credit card statement to match my address on file. I emailed it to her. XXXX XXXX stated that my account will be restricted for 10 business days and on the XXXX business day the bank would either remove the restriction on my account or send back money to Insurer. I show up to the bank on XX/XX/XXXX, which marks the XXXX business day and they would not send the money back to the insurer nor remove the restriction on my account. On that day, They told me they closed my account and that I can't access my funds. 
On XX/XX/XXXX XXXX XXXX the Branch Manager requested copies of my paystubs to upload to my profile. I provided all 6 paystubs. She said they would file a suspense release form and depending on the result they may or may not write me a check. On XX/XX/XXXX I went back to the same branch to check on the status of the suspense release and the banker told me XXXX XXXX never uploaded the documents she asked for on my profile. XXXX XXXX also did not upload the credit card statements she requested from me according to the banker.
Product: Credit reporting or other personal consumer reports

Capital One completed a hard inquiry on my credit report in XXXX of XXXX. I applied for a credit card from them in XXXX of XXXX but had not since been in contact with the company, nor was I a customer. I did not request any information in XXXX of XXXX that would have arose in this hard inquiry. When I called, the company said they had no record of pulling my credit and told me to contact XXXX, which I did to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed few inquires and I never authorized nor recognized.