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

I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

i did lease a hot water heater from the XXXX outlet store in XXXX il, with the company they use called-WHY NOT LEASE IT.it provides for a retail installment leasing/buying program so you can purchase or lease the product if you choose either program, with a buy out feature if you want to keep the product.i did pay off the lease buying contract in full to keep the product according to their terms. on the very same day that i paid off my contract, the company WHY NOT LEASE IT deducted another payment after i had paid off my contract, as the payments were set up on a ach direct debit from my account. i did call WHY NOT LEASE IT, to tell them of the mistake, they reviewed the payment history of my account, agreed that the payment was taken on the same day, then told me they were not going to refund that payment.i then went to my bank and disscussed my options, and then did file a dispute with the company WHY NOT LEASE IT for that last payment.the bank followed up, and did find the payment taken out with no recourse from WHY NOT LEASE IT, and the money was put back in my account as a recovered disputed .item.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent double social that was on report
Product: Vehicle loan or lease

I am writing because we were late on are loan and this company started harassing an telling family members they were going to come looking for us and they have been trying to get a hold of us for months. we have never been 30 days past due with this company. Yes we have been late. I actual called do n't know for sure the name but number is XXXX ext XXXX. I told him this was totally uncalled for, that he was lying to family members and I will be making a payment 1st thing in the morning, his response was he would disconnect the call if I did n't verify who I he was talking to. Even thought he returned by call and said am I speaking to XXXX.
Product: Credit card or prepaid card

I have 2 open complaints with Bank of America. They are refusing to do anything. I had serious fraud which was reported on XX/XX/2022 when they were just authorizations. Fraud reports were taken. Somehow, the very malicious fraud dept maliciously engaged in XXXX XXXX XXXX XXXX insist that a close to XXXX XXXX XXXX woman who is in a XXXX XXXX XXXX XXXX XXXX go into one of their very crowded and grossly understaffed banking centers. Initially XXXX XXXX called but then totally refused to return any of my several phone calls to him. I managed to get a call center with compassion and the fraud balances were reversed. Then, last night, I saw a {$2000.00} balance - fraud dispute on one of my credit cards ( it was XXXX XXXX and I had called to close it. That kind compassionate person was able to release the numerous holds. When I called today, I ended up with a very mean and malicious person named XXXX at the XXXX XXXX XXXX who again insisted I risk my life or health by going into a branch. I told her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be very vicious and vindictive, she removed my online banking access. This is beyond despicable. I have one Bank of America Credit card that I used and the balance today is {$140.00}. I have no clue how I can pay this card without online banking. No one will speak to me with the block she maliciously just placed. And ... she said I could make an appointment at the branch but since the understaffed branches do not answer their phones, I couldn't even make an appointment. At the very least, have them kindly give me access to online banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XXXX, 2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Experian. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XXXX  about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a fraudulent Dispute that there are multiple unauthorized fradulent charges on my account which totals up to {$9200.00} and My log in user name and password was changed my debit card pin number was changed. I'm not familiar of this citys and locations of this fradulent unauthorized charges that took place on my account I have never visit this cities that The fraudulent unauthorized charges happen I'm not familiar from this cities that a fraudulent unauthorized charges happened and I don't even have a history of being in this Citys that the fraudulent unauthorized charges happen on my account and I'll XX/XX/XXXX I got the final decision from the investigation Department saying that they did not find any error occurred on my account and they have documents to support that, first of all I did not file a dispute that there's a error occurred on my account I filed a fraudulent unauthorized charges dispute on my account, second of all my login has been changed and my Debt card pin number been charged, after knowing all this how can you make a final decision not to credit my money of {$9200.00} that was fraudulent stolen from my account. 
Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$9200.00}
Product: Debt collection

On XX/XX/2020 XXXX XXXX, XXXX, a successor to XXXX XXXX XXXX XXXX ( XXXX ) hired XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to prepare an Assignment of my alleged Mortgage to XXXX XXXX XXXX, XXXX for " good and valuable consideration the sufficiency of which was purportedly acknowledged. 

Please state the full amount of " good and valuable consideration '' in $ $ XXXX and the name of the individual employee who acknowledged this consideration and the amount paid ; and his/her place of employment. 

Please provide me proof of payment of this valuable consideration, such as copy of wire transfer receipt, ACH or cancelled check. 

Please state when and where this valuable consideration was paid, the name of an individual officer who made this payment with his full place of employment ; and the name of an individual officer who received this good and valuable consideration. 

Please provide me a copy of the ledger for the account receivable where this valuable consideration was deposited and a release of lien signed by an individual employee evidencing that I do not owe any money to XXXX or XXXX XXXX
Product: Debt collection

Hereon ; this day of an XX/XX/2023, I had hereon the so stated herein this legal notice as in fact a civil claim ( s ) ; I had received ; two certain phone calls from XXXX ; at XXXX XXXX, and XXXX XXXX  ; therefrom ; a debt collector ( s ) ; who is in fact a bank official for a USBank concerning my USBank XXXX Credit Card XXXX ; unreasonably ; the USBank official they had called me pleading a claim ( s ) ; so stating an attempt ; to collect unreasonably ; an outstanding debt for my USBank XXXX Credit Card XXXX ; however the USBank XXXX Credit Card XXXX has hereby been closed ; in accordance to the XXXX credit reporting agency ; therefore I dont owe the bank officials for a USBank XXXX Credit Card XXXX any money for an bank account that has hereby ; been closed officially ; therefrom ; this so stated cause or matter herein this legal notice as in fact a civil litigation process you as an official for a USBank XXXX Credit Card XXXX XXXX must under an Oath, as well as a Testimony of an office of a certain civil jurisdiction, sir-mam you must hereby respond as an answer either ; as an affirmation ; or as in fact ; a denial hereto ; this civil notice as in fact a civil claim ; all within a 72 hrs. time frame after service hereof this civil claim ( s ) ; thereafter a 72 hrs. time frame a failure not to affirm or deny the so stated cause or matter herein this legal notice sir-mam you will hereby considered as being in fact a refusal to hereby respond as in fact an answer hereto this civil claim. Therefrom any and all pleadings as a claim ( s ) will hereby be denied and become unacceptable pleadings ; as in fact a claim ( s ) ; also sir-mam you must service your pleadings hereto myself a XXXX XXXX XXXX XXXX XXXX XXXX ; in addition, sir-mam must also hereby the legal notice respond hereto the XXXX  case no. XXXX ; FTC XXXX ;
Product: Vehicle loan or lease

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 XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( XXXX ) The outstanding balance in the account at the beginning of the statement period. 
( XXXX ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the XXXX sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two complaints with the CPFB asking Chex Systems ( a credit reporting company ) to tell me the reason XXXX XXXX XXXX gave in requesting my credit report on XX/XX/2021 because I believe that XXXX did NOT have a valid reason for the request. Chex Systems has twice refused to answer that question and instead replied that it removed all evidence of XXXX 's request thereby covering up what I believe to be a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company CAPITAL ONE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$470.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Vehicle loan or lease

After receiving the verification of debt packet from XXXX, I was confused regarding the reported amount owed and what I felt was owed. My 2016 Corolla was voluntarily repossessed with less than {$1000.00} owed to successfully fulfill my lease obligation. After making over {$13000.00} on-time payments, XXXX was unwilling to extend a payment plan after a life event disrupted my perfect payment history. 
According to the 3 credit report XXXX, XXXX is reporting a balance in excess of over {$9000.00} due. The initial loan was {$14000.00}. I have never leased before and my understanding was my payments submitted plus the {$8000.00} auction sale price, would have placed me over the initial loan amount. I made multiple calls to XXXX and every time would be told " I am escalating this to a higher department, call back in 3 weeks '' After that time transpired, the response would be " the amount is accurate. '' However no one could explain why it was accurate or how I was wrong. After about 4 months of submitting for escalation and calling back in 3 weeks, did not resolve my issue, I submitted XXXX  CFPB reports asking " how am I wrong '' and again, that question would never be answered. I called the number provided in the first report, and was told the same thing, " I will escalate this, call back in 3 weeks. '' One telephone agent told me " I can't explain it, but take our word for it the accounting is correct. '' Realizing I was not going to receive an explanation on what made the reported balance correct, I relented. 
As a last ditch effort, I ran my packet through an AI platform. FINALLY, an explanation was offered that made sense ; something that no one at XXXX could do. The result went on to suggest filing a CFPB report regarding the lease as it is very confusing, has exorbitantly high repossession rates, and is not written in a manner that can be interpreted by the average lay person I lost my vehicle over less than {$1000.00}, have a negative mark on my credit reports stating I owe over {$9000.00} and no one could explain to me how " the amount is accurate. '' As a consumer it is not acceptable to be able to say " it's right because we say so '' and not offer any further explanation. If the employees of XXXX do not understand the lease, how am I supposed to understand the balance?
Product: Mortgage

To Whom It May Concern : On XX/XX/20, we ( husband and wife ) refinanced the loan amount of {$380000.00}, loan # : XXXX, through American Internet Mortgage , Inc. ( AIM ) located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. But on XX/XX/20, we were notified of the " Courtesy Notice '' of a possible " Real Estate Fraud '' on " unaware of this transaction '' by the record office of the County of XXXX in California. We contacted our lender American Internet Mortgage ( AIM ),  Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Shawum its employee said the XXXX XXXX XXXX is not the subsidiary of the AIM. We have been paying the mortgage to AIM since the refinance. 

So we are complaining about real estate fraud of the following XXXX XXXX XXXX accordingly. 
We reiterate to appreciate your time and consideration.. 
Should you have any question, please dont hesitate to contact me. 

Thank you for your time and consideration. 


XXXX XXXX XXXX XXXX The owners of the property at XXXX XXXX XXXX, XXXX, CA XXXX as joint tenants as husband and wife. The home property is the res of our living trust. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Hours : Opens XXXX Closes XXXX PM ( XXXX ) XXXX ; ( XXXX ) XXXX
Product: Debt collection

I have asked to be placed on there. Do not call list multiple times they call from different numbers every single day at least twice a day and I mean every single day I have asked so many times to be placed on a do not call list because they have the wrong number. Please have them stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX  XXXX  XXXX Open Date XX/XX/2017 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Dispute I'd number XXXX XXXX XXXX Escalation priority Dispute team Chime still state no error occurred but when asked what evidence was used and if my documentation was reviewed I could not get a response Chime still thinks these transactions are legitimate and I have provided documentation and a voicemail where she states she took the money and is not giving it back. She last Friday I had to change my password so many times the account locked. 

I had to resubmit my disputes and they email me and so no error that just means you were not thorough Thank you they train your courtesy skills very well but I am pass that now I resubmitted all my evidence and have advised you that I opened a dispute with the Federal Trade Commission I have provided you with the case number for that now just a couple of quick things One of last calls today was received by a XXXX or XXXX who basically said he would reopen dispute and that is I can do is wait for department which is XXXX XXXXXXXX who does not have a organization chart or list but XXXX does I copied chimes Ceo and XXXX ceo to if we can get my money back today and please tell XXXX I didn't have to wait to do something Now please resolve issue today
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, EXPRESS RECOVERY SER add a collection on my credit report per XXXX.
Product: Vehicle loan or lease

TD Auto has violated The Privacy Act of 1974 and negatively affected my credit by reporting derogatory marks against me without my written consent continually without giving me the option to opt-out per 16 CFR 313.7.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the following account several times directly with XXXX and with Experian credit bureau. This account was removed and reinstated by Experian. The representative from XXXX refused to respond to me as to the validity of the account. Experian claims that they are verifying the account, although they refusing to show me any proof of who they talked to or how they verified the account 's accuracy. 

XXXX XXXX XXXX  Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$21000.00} No. of Months ( terms ) : 60 High Credit : {$20000.00} Credit Limit : {$0.00} Past Due : {$21000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Debt collection

XXXX  XXXX in XXXX, TX submitted a debt to National Credit Systems under my name that was attached to a different tenant. I never lived there, I simply applied but did not move forward with the lease. Both XXXX XXXX and National Credit Systems were not helpful in correcting the situation. They repeatedly gave me the run around and treated me rudely ( NCS ) when in actuality I was only trying to correct an error on their part. NCS would not direct me to the correct departments or provide helpful information.