23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hello, I took out a title loan from Title Max in XXXX, TX. The loan was XX/XX/2022 for {$5600.00}. When the agent pushed through my application I noticed he doubled my income from the paystubs I provided. When I questioned this, he said " no worries that doesn't matter '' I have paid almost triple the amount of this loan, about XXXX dollars a month and not 1 penny has been lowered from the principle. I am fearful I will lose my car. I have tried to call multiple times and speak with management and the only thing they tell me is that if my payment isnt received after the 10 day grace period or period they do not charge a late fee they will move to repo my car. I am willing to make arrangement 's to pay this off and do not want anyhting for free. I was never told by this company or the loan officer that this was a 30 day loan and I would have to renew it every month. As I understood and was explained to me the monthly payment go towards your principal like a instalment loan. This is a nightmare and I need help, this loan is never ending.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted dispute requests requesting investigations into inaccurate information on my credit reports. Neither time did any of the provide sufficient evidence of its validation or verification which should have led to the removal of the accounts from my reports. The credit bureau has failed to protect my consumer rights and I am now submitting this last complaint before seeking claim for its negligence! Please consider this letter as formal notice of my intent to hold you accountable for any damages caused by the continued reporting of inaccurate information. I request a written response within 30 days of receipt of this letter confirming the resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was paid off XX/XX/2013 and was reported incorrectly as a Charge-Off. I filed a dispute with Equifax twice with proof of title and payoff, and then contacted them by phone. They told me to contact XXXX XXXX and have them send proof to Equifax. I did as they told me, however it was not corrected. I contacted XXXX XXXX and they confirmed that the correct information had been sent out on two different occasions to Equifax. When I contacted Equifax again, they said all I could do was submit a consumer statement. Over the years this " Charge-Off '' has impacted my credit score and I have suffered a lower score than what it should be.
Product: Mortgage

We called Chase to refinance our home and cash out on XX/XX/XXXX. We were told that we could get {$75000.00} cash out and Chase would have to pay XXXX credit cards off and we would receive that remaining cash. Chase said our credit was fine, and that an appraisal would be ordered. The appraiser came on XX/XX/XXXX. On XX/XX/XXXX, Chase stated the loan was denied due to Underwriting. First they said it was because we owed {$92000.00} in old business debt and we sold the business XX/XX/XXXX and had no remaining debt. And then they came back and said it was because the debt to income ratio was over XXXX %. They never said a word about debt ratio being high. Why would Chase Home Mortgage waste {$500.00} of my hard earned money before ever having the refinance reviewed by Underwriting. This is the second time Chase Home Mortgage has collected money for an appraisal upfront without review. They did the exact same thing to us XX/XX/XXXX. They hastily order expensive appraisal before allowing Underwriting review first. I want my {$500.00} refunded. This is corrupt. They know exactly what they are doing. If this has happened to us 2 times in 4 years they are banking a huge sum of money from consumers. Why would you waste consumers ' money if you had not reviewed the chances and requiremenst of Chase Mortgage before hastily ordering appraisals. And by the way we have over {$140000.00} in equity in our home and do not have derogatory credit. There is no excuse to be charging us money for an appraisal only to waste my time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts don't belong to me, please remove them from all 3 credit reporting agencies, you can see the list of accounts below : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

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

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - ____________________________________________________ XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX  a woman went into A Bank of America branch @ Address : XXXX XXXX XXXX, XXXX, TX XXXX and withdrew XXXX from my husband and I joint account. The bank stated that she said that she was his daughter, but no one notified me and my name is on the account as joint owner. The bank teller gave her enough information regarding the account that this woman was able to get my husbands username and change the password to gain online access to the account information. My information was also compromised and I am now receiving alerts on my credit report that my information has been compromised. I feel that the bank was negligent because my husband had a XXXX XXXX XXXX and is XXXX. He can not type on a computer, so someone in the personal care home where he resides, or some one else now has access to my personal information as well as his. I believe this was possible due to negligence of the Bank of America employee 's negligence in handling the situation. I am filing this complaint because in a week my Credit Score has plummeted. I am very upset and frustrated by the entire incident.
Product: Credit reporting or other personal consumer reports

I have had an account with Flagship Credit Acceptance, XXXX XXXX XXXX XXXX XXXX PA XXXX since XXXX of 2023. 

I have made on time payments towards my car loan with them every month without fail and they have not reported anything to the credit bureaus. 

I have called 5 times over the last few months asking why and they tell me every month that they will be reporting next month and will send me a letter when they do. I just received my first letter 4 months after my first complaint/request to them and it was a thick envelope of XXXX receipts. Receipts for the last XXXX  months of payments and a note at the end stating that they will be reporting to the credit bureaus as soon as they can. 

I monitor my Credit because im in the credit rebuilding stage and there is not even a record of my car loan account with flagship anywhere on my credit reports. 

Please Help.
Product: Credit card

I've always made sure payments are on time for this account, never letting them go overdue. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be rectified.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a line of credit with Headway Capital in XXXX. I recently acquired a loan to pay off this line of credit in full. My bank sent the check of over {$71000.00} to headway Capital. Headway Capital cashed the check but then lost it and routed it to an incorrect office. My check was mailed on XX/XX/XXXX. It is now XX/XX/XXXX, and after repeated attempts to get any information on the whereabouts of my cashed check, I have been given no information and empty promises that a supervisor would call me back. I have never received a call back and my account still showing that I owe money even though they had cashed my check which I have a copy of.
Product: Debt collection

Portfolio Recovery Transaction ending in XXXX on a credit card debt to XXXX XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX Account was sold to XXXX XXXX XXXX. I have been disputing this debt with the credit bureau in attempts of getting this off of my credit report. I finished paying the settlement over a year ago. I have also tried to get this resolved with the credit agency trying to collect the already pain debt.
Product: Credit card

Today 's date : XX/XX/2017 I am a XXXX. I work overseas and return to the US, periodically. I am a customer of Chase bank ( XXXX CA XXXX ) branch. I had XXXX credit cards with Chase bank. for with XXXX Balances. Decided to purchase an airline ticket on one card, I did and left on my trip. While XXXX, I made {$50.00} monthly payments via Chase online. My Chase online account was seemingly ( not linked ) to my credit cards. The cards were never used so I had no knowledge they were not linked. Chase online would ask ( pay to whom on one line ) I typed Chase credit card and amount of {$50.00} on the amount line. Every month for approximately 8 to 9 months ( monies deducted from my ( Chase Checking account ). I work overseas and return to the XXXX, periodically. 
Chase was accepting the payments and crediting the credit card with XXXX balance, not the correct card. I have contacted every department trying to have Chase understand but NO. 
My credit rating was XXXX now its ruined. Chase Bank kept the payments, ruined my credit cards and credit. They actually sent me ( 3 ) checks totaling {$760.00} as a refund after the fact. I cased ( 1 ) check for {$200.00} then they put a stop check on the check and charged me {$25.00} for stop check. I never received the other ( 2 ) checks. Chase bank said they would investigate, but as expected, of course, the investigation has them not at fault or responsible. 
I need help to re-instate my credit cards, have the ( 3 ) checks credited to my checking account. I am presently overseas. I NEED HELP to deal with Chase bank. 
Sincerely. 
XXXX
Product: Checking or savings account

IT HAS COME TO THE ATTENTION OF MYSELF AND MY HUSBAND THAT CITBANK XXXX, HAS BEEN TAKING DOUBLE PAYMENTS FROM MY XXXX ACCOUNT AT MY LOCAL CREDIT UNION. IT SEEMS GOING THROUGH MY LAST YEAR OF STATEMENTS IT HAS GONE ON FOR ATLEAST SINCE XX/XX/XXXX ... 

CITI BANK DID STATE TO ME VIA RECORDING THAT THEY DID MAIL OUT DUPLICATE CARDS BACK IN XXXX AND XXXX OF SOMETIME NOT SURE OF THE YEAR SINCE WE HAVE BEEN MEMBERS SINCE XXXX. ARE CARDS HAVE BEEN PAID IN FULL AND HAVE NOT BEEN ACTIVATED OR USED SINCE XXXX, XXXX. IN XXXX. 

PLEASE LET ME KNOW HOW TO GET THE COLLECTION CALLS TO STOP AND THE FREEZE TO HOLD ON MY ACCOUNT SO THAT IT WILL STOP GOING UP. I HAVE SPOKEN TO XXXX IN FRAUD, XXXX, AND SEVEAL OTHERS AND KNOW ONE KNOWS WHATS GOING ON. 
I HAD MY IDENTITY SOLEN ... AND JUST FOUND OUT IN XXXX OF XXXX. I FILED WITH XXXX AND HAVE A FILE # AND WITH SOCIAL SEC. 

THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 we had solar panels installed on our home via Solar City, who is now Tesla. Initially, we planned to purchase the equipment and signed a loan agreement with them. Prior to installation of the equipment we decided we only wanted to purchase the power from Solar City. We the signed a cancellation for the loan, then signed a My Power Agreement ( to purchase power only from Solar City for a period of 20 years ). Since that time, with both Solar City and now with Tesla, we have had continual issues with our account. It would seem that some of Tesla 's records indicate that we are under a loan contract with them, other records indicate that we only pay monthly power usage ( which is current ). We have never been able to resolve this issue. Now, Tesla has reported the outstanding loan to XXXX which has negatively impacted our credit. This is a huge issue for us as we are a small business that relies on a fluctuating line of credit. We need to get this resolved as quickly as possible. I have spoken with Tesla, numerous times, as recently as yesterday afternoon and was told by XXXX with the accounting department that they have every right to report us and that she would send an email on my behalf to their credit department who would make the decision on whether to help me or not. She simply does not understand, nor does anyone else seem to at Tesla. This is an urgent situation for our business. I have all copies of all supporting documentation available. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXX  loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )
Product: Credit reporting or other personal consumer reports

There are unauthorized unrecognizable inquiries, addresses, names, and social security numbers listed on my credit profile. I did not authorize any of the listed information. Please block and delete. Unauthorized names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only name that is supposed to be on my credit profile is " XXXX XXXX '' any other name is misleading to other businesses when they legally inquire on my credit report. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Social Security Numbers : XXXX XXXX XXXX XXXX The one and only social security number that is supposed to be on my credit profile is : XXXX Unauthorized Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute to Experian regarding several transactions that were furnished as late payments on my consumer report. 

Experian received my dispute letter see Exhibit A in the attachment below. Certified mail number XXXX XXXX XXXX XXXX XXXX experience failed to reply to me and the 30 day time that is given by law. 

On XX/XX/XXXX, I mailed a second dispute to Experian, in regards to their failure to comply with the FCRA 15 USC 1681i ( a ) ( 1 ) ( A ) and demanded to delete the inaccurate or unverifiable information being furnished on my consumer report pursuant to 15 USC 1681i ( 5 ) ( A ).

Experian received my dispute letter see Exhibit B in the attachment below. Certified mail number XXXX XXXX XXXX XXXX XXXX 15 USC 1681a speaks on the accuracy of the consumer report , and 15 USC 1681e ( b ) speaks on a consumer reporting agency furnishing accurate consumer reports ; accuracy means all values are correct. 

Experian did not reply to my dispute. 
I requested a reinvestigation of the disputed item 15 us 1681i For a payment to be treated as late 15 USC 1666b requirements and compliance must be met!

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the Information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

Requirements : XXXX ) Periodic statements including ; XXXX ) the information required by section 1637 ( b ) XXXX ) Notice mailed out no later than XXXX  days before payment due date I requested proof of the above pursuant rule XXXX For Experian to furnish a payment as late they must have evidence of the requirements that 15 USC 1666b requires. 

I have requested the information for compliance pursuant to 15 USC 1666b and Experian did not respond. It has been over XXXX  days which is the reasonable time allotted by law. 
15 usc 1681i ( a ) ( 1 ) ( A ) states that information that can not be verified as accurate or complete must be deleted in 30 days ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
See case law XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Jefferson Capital Syst reports on my credit report that I owe {$3800.00} to XXXX from XX/XX/XXXX XXXX and it is past due as of XX/XX/2024 this account does not belong to me. My current phone provider is XXXX. I have filed many fraud and dispute letters, but nothing has changed.
Product: Credit reporting or other personal consumer reports

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is XXXX me and making me XXXX  on why and how this happened.
Product: Money transfer, virtual currency, or money service

My wife and I have deposited our homeowners insurance claim check to our public adjusters account before. But upon closure of the claim, the last check came in and Bank of America refused to accept the deposit like they have done before. Their reason is that all of the payees have to be present. It is impossible to get all three payers to the bank at once for signature verification and they have never refused the checks before until now. We were not attempting to cash a check, merely deposit it into the adjusters account. I was not able to accompany my wife, and have never been with her to deposit these checks. I would like to know why banks are allowed to practice such inconsistent practices without repercussions? The amount of money it will cost us to get together exceeds the value of the check. The manager, XXXX, said that she doesnt care what they did before, but policy was that all payees have to be present. I would have no issue if they had done this each time, but this is the only time they have said this. Bank of America will never gain our companies business over this since my wife drove over an hour to the closest branch.