23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I'm letting you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : BRIDGECREST Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Checking or savings account

Well in short for several years now, I have been trying to pen a personal checking account with Chase Bank, XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates XXXX XXXX XXXXXXXX XX/XX/XXXX Dates JPMORGAN Chase XX/XX/XXXX XX/XX/XXXX Dates XXXX XXXX XXXX XXXX
Product: Debt collection

The purpose of this letter is to inform you that I disputing my debt with Ability Recovery Services XXXX LLC of {$2000.00}. The debt that I owe originated from XXXX University XXXX " the School '' ). The reason why I am disputing this debt is because my outstanding debt to the school is {$1600.00}. However, upon receiving a collection notice from the Ability Recovery Services XXXX LLC ( " the Company '' XXXX, the outstanding debt increased by {$400.00}. 

On XXXX XXXX, 2015, I spoke to XXXX XXXX XXXX a representative of the Company to request the actual amount I owe to the School. During my conversation with XXXX XXXX, I informed her that the collection amount sent to me was incorrect and that I was told by the School to ask them how much they were charging me over and above my outstanding debt. XXXX XXXX 's response was that her company was not going to disclose that information as I did not have a need to know about my outstanding debt and that the Company had a right to profit off of me. After writing the attached letter to the Company on XXXX XXXX, I received an Account History Report from the Company on XXXX XXXX, which I have included. 

There are few issues that I would like investigated. The reason for the investigation is that I believe the Company is conducting an unethical business. 

The XXXX item I would like you to investigate is the excess charge of {$400.00} over and above my outstanding debt with the School. The XXXX issue deals with the threats and harassment by XXXX XXXX. XXXX XXXX became threating and started harassing me during the conversation in which she told me it did not matter that I was working with the School as they were going to report my outstanding debt to the credit bureau regardless of the efforts I was taking to address my debt. At that point, I asked to speak to a manager and was not allowed to do so. In fact, XXXX XXXX told me that was not going to talk to me and that they had no reason to do so. She proceeded to hang up the phone on me. 

In closing, I am still striving to work with the School to see if we can settle my outstanding debt and set up payment arrangements.
Product: Bank account or service

I Have Protection alerts and services with wells fargo, they let another person use my account, and committed fraud, which is a business account, the person who done this crime is an employee.. they let this person forge checks and credit cards about 10 different times, didnt even call me or anything, why did they let someone get into my account with out permission, or a phone call, or an email alert
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXX XXXX XXXXXX/XX/year>, XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

This complaint is over {$1500.00} that is attempted to be collected by XXXX XXXX XXXX. There is multiple problems with this and THE TOTAL AMOUNT should have been released already. 

1 ) My federal debt is on schedule to be released under the forgiveness act. 
2 ) I worked for the school itself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and permanately XXXX. XXXX denied my workmans comp. and I have a continuing case on this matter however, I am not working and SSDI XXXX ( approved ) as PD. since XXXX and when I contacted XXXX they ignored me and this is targeting in retaliation to this case WHICH THE SCHOOL ITSELF is LIABLE FOR. 
3 ) I am XXXX and XXXX since the above and living on a very limited budget. XXXX ignored this and this entire matter is prejudice on the case of XXXX which I will look into discrimination AGAINST a XXXX person. ( great work ). 
4 ) This entire amount should have been released long ago and it kept me from continuing school. They are scandalous.
Product: Debt collection

15 USC 1681Q Fair Credit Reporting Act. If any person without permissible purpose furnishes information of another person, they are committing identity theft. My permissible purpose was not giving.
Product: Debt collection

I am getting phone calls two times a day asking to speak to XXXX XXXX. I am not XXXX XXXX. This has been going on for two months. I call them back state I am not her as to take my number off they call again the next day. I have spoken with manager she assured me this will not happen again it is still happening.
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Equifax be and they continuously report this fraudulent account to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.
Product: Mortgage

The Bankruptcy Judge stated that my house issue needed to be handled in my county 's superior court. In XX/XX/XXXX, I dismissed my Chapter XXXX case where the only debt in question was my home. The Bankruptcy Judge refunded the leftover of the alleged mortgage payments that I paid to the Bankruptcy Trustee back to me once XXXX was paid. The Bankruptcy Judge did not allow XXXX cent to be paid to Chase because Chase did not prove ownership of the alleged mortgage. XXXX got money because XXXX proved ownership of my car. 

In XXXX XXXX Court, I lost part of my Quiet Title litigation because I had a bad attorney who later got disbarred XX/XX/XXXX by the Georgia Bar. Given the urgency of time to file an appeal, I filed my appeal pro se with the Court of Appeals and lost my appeal due to my little legal knowledge. 

In XX/XX/XXXX, even though I knew that Chase is not the rightful owner of my alleged mortgage, I initiated a loan modification because I got so tired of being in limbo with my house. For many weeks thereafter, Chase lost documents that I faxed and I re-fax, then Chase demanded new ones. 

In XX/XX/XXXX, numerous Chase representatives told me that all documents needed for the Chase underwriter was received and complete. For weeks, XXXX XXXX, the Chase Customer Service Rep and XXXX XXXX, Chase 's Executive response team, asked me to write a letter without justification and not related to any of the documents that I submitted to Chase. I asked both to please put the new requirement in writing so I better understand what is needed. 

For over 6 weeks, I asked repeatedly by phone and fax for clarification from Chase to state the new requirement and was told that the requirement remains verbal. XXXX XXXX and XXXX XXXX told me that there is no way to generate a letter stating Chase 's new requirement. In XX/XX/XXXX, Profit and Loss statements that were shown complete since late XX/XX/XXXX in Chase 's correspondences now show incomplete. My request for an explanation has been ignored for weeks. 

I went to an event in XX/XX/XXXX and met an attorney who stated that all Chase has done so far, is Chase 's process before foreclosing on a house. He said that Chase has no intention of doing a loan modification and that Chase will continue to frustrate me by asking for irrelevant documentation through verbal instructions. Verbal instructions gives Chase the opportunity to claim that I did not submit required documents and that the verbal instructions documents that I submitted were not requested. 

In almost 3 weeks, I stated that I will be recording conversations with Chase especially since my last conversation with XXXX XXXX was a shouting match. XXXX XXXX and XXXX XXXX has not called me since then. The last correspondence from Chase states a XX/XX/XXXX due date showing Profit and Loss that were shown complete in XX/XX/XXXX, now incomplete AND no explanation from Chase as to what got the already complete Profit and Loss to be incomplete. 
I faxed numerous letters to ask for clarification and got silence. HELP! 
I look forward to your assistance.
Product: Credit reporting

I tried REPEATEDLY to get my free annual report from Equifax. When the questions came up it would say that they were wrong and that I had to send in a copy of my license to get my report. FINALLY after another month my report finally came HOWEVER I recently had and identity theft incident of someone using my information to apply for a credit card. It HAS BEEN reported to the company and the police but it takes months to fix this AND it would be more easily traceable if a copy of my license was n't out there when they should have allowed the questions to approve my identity. After searching online I see that it is common issue with getting the free annual credit report for EQUIFAX and I want it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online Information Services ( OIS ) first contacted me about an alleged debt that was owed. I responded to them within 30 days, disputing the debt. OIS even sent me a letter, stating that they received my letter. Nevertheless, OIS reported the debt to the credit reporting agencies. And, even though I disputed the debt, my credit report states " Dispute resolved ; customer disagrees. '' The dispute was definitely not resolved. Its misleading wording has led my credit report to list this as a negative factor in my nearly perfect credit score.

I called OIS ( a call which was recorded ) and stated that the information relayed to the credit reporting agencies was incorrect. They have refused to change the incorrect information. 

My understanding of the law is that if a debt is disputed within 30 days of the debt collector contacting me, the debt collector can not report the debt to the credit reporting agencies. Second, I also understand the law to state that if there is any incorrect information listed on my credit report, the debt collect must, by law, correct the incorrect information. 

I have attached a letter from OIS which proves that they received a letter from me, disputing the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX   account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.
Product: Credit card or prepaid card

I have a Sears " XXXX '' card from Citi Bank. They sent me an offer for XXXX bonus points for purchases from travel purchases provided I meet the minimum of {$750.00} spend in a month. I signed up for the offer and proceeded to use the card for hotels and rental cars to meet the required purchase amount before the end of XXXX. The problem is that in last two weeks I have stayed at two hotels, but Citi bank is showing no MCC ( merchant category code ) for these transactions. The first was a XXXX XXXX on XX/XX/XXXX and the second at a XXXX XXXX on XX/XX/XXXX. Without these being classified as " lodging '' I will not receive any bonus points from the credit card company. In the past I have used a XXXX  card from XXXX XXXX XXXXXXXX for these same hotels ( same locations ) and these were classified correctly such that I received extra cash back on those transactions. I wrote to Citi Card and they said they have no control of the MCC codes used by merchants so my purchases will not count toward the promotional offer. However, when reading more about MCC codes they say they require these codes to prevent fraudulent transactions, yet they are accepting these transactions without any MCC code. It appears they are baiting customers to use the card with their offer then finding ways to avoid paying.
Product: Credit reporting or other personal consumer reports

Yesterday, XXXX XXXX XXXX  I was notified via XXXX XXXX that XXXX dropped my otherwise good credit score by XXXX points! Shocked at this revelation, I immediately looked into my credit report to discover that UPLIFT, a loan installment company, reported me late for {$4.00} of residual interest left over from a loan I had satisfied in XXXXXXXX XXXX. Needless to say, I was shocked that I even had a balance with UPLIFT and that they ruined my credit score for {$4.00}. When I called UPLIFT to inquire about the sixty-day-late credit reporting, they said that my loan, which I paid in installments on time in five amounts of XXXX had accrued interest. I was told by the representative that the final payment that I made of {$850.00}, which was slightly hire than the other months, was my final payment and that I would be paid off for the loan. Why hadn't all the interest been applied then? At no point and time was I told to look out for any residual accrued interest ... at all. In fact, my the online portal showed me paid off at the time of my last payment. I spoke to a representative and a supervisor at UPLIFT who were very indifferent and told me that they had sent emails. With SPAM and all of the junk email I get, I didn't see these emails, especially since I hadn't been looking for anything from UPLIFT because I had paid the last installment. I asked why they hadn't notified me by other means like ; via cell phone, sms message, or US mail if I had not been reachable. Surely, I would've paid the {$4.00} immediately if I'd know it was outstanding rather than ruin my good credit that I've always taken pride in maintaining for many years. They're response was that they only notify by email and that only some customers will receive an SMS in addition ; how they determined who gets the secondary notification is beyond me. I'm shocked, despondent and in total disbelief that a company who I had been in very good standing with in paying all of my installments as agreed, would seek to ruin my credit for a mere {$4.00}, the price of a cup of coffee, moreover, without giving me a fair chance to resolve this very insignificant amount. It is not fair that I suffer a hurt credit score for seven years because I didn't know that an account I paid off accrued {$4.00} of interest.
Product: Credit reporting or other personal consumer reports

CFPB, I'm filling this complaint because LEXIS NEXIS RISK SOLUTIONS is saying my personal information to companies and I want it to stop.
Product: Student loan

Today, XX/XX/XXXX, I opened letters from Heartland ECSI regarding my XXXX  and XXXX XXXX  from XXXX XXXX XXXX. I have been making automatic monthly payments of {$100.00} to pay off the loans since XXXX. In XXXX, I spent a significant amount of time on the phone with Heartland ECSI and XXXX  XXXX XXXX Financial Aid Office figuring out how to make payments & apply for deferment because I had gone to XXXX XXXX from XXXX, and then was unemployed for a time during the pandemic. The process was incredibly confusing, and Heartland ECSI was not transparent or clear in any manner about what my legal payment expectations were. I have documentation of every one of these conversations. 

Eventually I was able to defer, started paying later on, and in XXXX XXXX  XXXX entered into a Rescheduled Payment Plan. Heartland ECSI did not clearly explain what the Rescheduled Payment Plan was, only that I could do it, despite me asking clarifying questions multiple times. This Rescheduled Payment Plan was apparently set to expire in XXXX XXXX XXXX, but I was not notified of this expiration or what it would entail. I have continued to make automatic monthly payments including in XXXX and XXXX XXXX  XXXX, but received a paper statement from Heartland ECSI on XX/XX/XXXX stating that my " account is XXXX  days past due in the amount of {$3700.00}. '' I called Heartland ECSI customer service and spoke with two agents ( the first hung up on me! ) about my account ; I explained that I had been making automatic monthly payments, and he stated that he could see that on the account. I asked why I received a paper notice stating that I was XXXX  days past due and owed {$3700.00}, and he said he would take a look at my account. I explained that I can not possibly be XXXX  days past due since 1 ) I've been making automatic monthly payments, including in XXXX & XX/XX/XXXX, and 2 ) even if the Rescheduled Payment Plan ( whatever that means ) " expired '' on XX/XX/XXXX, it's only been approximately XXXX  days since that date, not XXXX. The agent said " You're right '' and asked me to hold while he reviewed my account. When the agent returned, he said to " disregard the [ paper ] notice '' and that " the repayment plan is back in place for {$100.00} a month to the XXXX loan, and it is active until XX/XX/XXXX. '' He stated that no fees would be incurred. 

I have had too many negative conversations with Heartland ECSI where they have intentionally obfuscated the truth of loan payment expectations, and worst of all they send what can only be seen as falsified and threatening paper statements to their borrowers in an attempt to scare me into paying {$3700.00} as if it's past due, when in fact it is not. This practice is predatory and unacceptable, and has been ongoing for the last three years! I will also be filing this complaint with the Department of Education and meeting with the lawyer provided through my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank made a hard inquiry on my XXXX  credit report on XX/XX/2020 without my authorization. When I called, they said they did not make such a pull but XXXX has since confirmed it was them. Its their name and address. I have researched and found others online complaining of the same behavior by Citi Bank.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute unauthorized hard inquiries on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). I did not authorize the following inquiries and demand their immediate removal : XXXX XXXX XXXX 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 Under 15 U.S.C. 1681b, a hard inquiry is only permissible with my explicit authorization. If you can not provide verifiable proof of my consent, per 15 U.S.C. 1681i, you must delete these inquiries from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX student loans ( private ). Originated XXXX with XXXX XXXX. 

1st and only payment made on account XXXX as XX/XX/XXXX. No full payments followed. 

XXXX XXXX mis-representing date of last payment. 

Loans should have called off XXXX XXXX reports in XX/XX/XXXX. They still remain, impacting credit.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX Balance : {$290000.00}.