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

I have been communicating with this company since XXXX of XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the seven months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. 

According to XXXX XXXX XXXX XXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately.
Product: Debt collection

I have a new hard judgement on my credit report after receiving this from Midland Credit Management. Even after paying XXXX XXXX. They even reached out to me during my Grandmothers funeral. Which I had told the same person before. They said they wouldnt contact me, now I have a hard mark on my credit report. Even after attempting to pay. They use their influence to harass and depress even more during a pandemic and my Grandmothers death. 

Per your current request, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. This communication is from a debt collector
Product: Checking or savings account

Chase Bank closed my Checking Account for no reason. I was never overdrawn. I never bounced a check. Then their Corporate Office tried to tell me that they were freezing the money in my account and would not release my money to me except through a check that they would send me in about 15 business days. This involved my total balance as well as a pay check that had been directly deposited into the account. The letter that I received in the mail warning of the closure that would occur on XX/XX/XXXX was post marked for XX/XX/XXXX and was not received until XX/XX/XXXX I stood firm and got my money out but there are others who are not as strong minded as I am.

I have since learned that this has been happening to people here in California and in other states for many years.
Product: Credit reporting or other personal consumer reports

I have disputed this issue several times and have gotten responses from Experian, XXXX and XXXX in regards this late payment on my credit report. They are still reporting late payment which has cause me damages to my credit report. 
XXXX XXXXXXXX XXXX partial acct. # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the Fair Credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : 2. Exclusion - except as provided in paragraph ( 3 ), the term " consumer report '' include : ( A ) Subject to section 1681s-3 of this title, any .....

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I spoke with several representatives for XXXX XXXX regarding the derogatory listings on my credit report. After fully investigating, they have found no evidence of these listings. 
All they can tell me is to dispute it with the credit reporting agency, I have attempted this twice and have not been successful.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX on a Sunday night my card was used at a XXXX XXXX XXXX XXXX approx half hour from my home address! I did not notice this charge u til approx 6 days alter when my accountant reached out to me and told me this charge was on here and that it was NOT INCLIDED IN MY monthly information and in our stuff. So I checked and immediately called chase! The representative helped Me with finding information out about the charge the company the time frame everything so that I could properly dispute! I then reached out to this company that told me my information was NOT IN THEIR SYSTEM MY NAME MY info my card nothing so therefore I immediately told them my card was used by XXXX XXXX XXXX and Im not ok! This is inaccurate and derogatory and fraudulent and its not ok that the company chase KMOWING THAT I HAVE PROOF AND WILL NOT TOLERATE CHASE NOT PROPERLY DOING THEIR INVESTIGATION AND WRONGFULLY SAYING THIS VLAIM IS MINE AND IT IS NOT! I will never pay for a thief and chase did not properly investigate or give me my temporary credit which by law in pa is mandatory until the outcome of the claim! I do not appreciate how incorrectly this was handled and I dont care if it is XXXX XXXX I WILL NOT PAY FOR A THIEF! Chase YOU ARE WRONG AND U DID NOT INVESTIGTAE THIS CLAIM PROPERLY AND I AM GIVING THE CFPB ALL PROOF ALL REPORTS AND I WILL BE CALLING THE FTC AND THE XXXX I will not let you let a fraudster steal from me and THEN U DENY MY XXXX XXXX  claim! I work to hard I have proof this is not mine I never authorized it and I was never present at this location when my card and or card information was stolen! You immediately need to reopen this claim and reinvestigate and give me my temporary credit of XXXX or I will call my attorney and keep going forward with this derogatory and predatory lending! You are insured to protect me the client and I am done with chase after this! You let their companies win and steal from me the hard working consumer and I will expose you I AM PROVIDNG THE CFPB AND THE XXXX AND The FTC ALL OF MY REPORTS AND CIOIES AND RECORDED CONVERSATIONS WITH CHASE AND THE MERCHANT! I have uploaded all reports and the chase proof that they stole from me then gave me the credit then took it back and I want my nsf fees I received three of them for this fraudulent transaction!
Product: Credit card or prepaid card

I had a credit card with SYNCRONY BANK ( TJX Rewards Platinum Mastercard. since XXXX. On XX/XX/XXXX I called the bank to make a payment of the amount of {$290.00} using my checking account. And after 30 days I closed the account. I received my last statement after 30 days and I noticed that my due amount was incorrect, because my payment of {$290.00} was not included. I called the bank again and they were going to open an investigation and see if they could find my payment. I provided the tractions numbers and I was told that it might be victim of fraud by some one else, but I was sure that the payment was made to the bank and also I contacted and spoked to someone from the bank. 
is being hard for me to fix this matter, because the employees at this bank care less, after the investigation I was told that they found the payment and they will return the money to me, and I got the check, but days after I received another statement denying my payment of {$290.00} from XX/XX/XXXX. I would like to report the bank for committing fraud and for lie to me. 
Please let me know if you need any information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent inquiries and accounts that Ive included in the documents i also attached my ftc report
Product: Debt collection

On XX/XX/2021 radius global solutions, mailed me a letter threatening to add a derogatory mark to my credit report for debt committed via fraudulent activity. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, radius global solutions has violated my rights as a consumer and I am requesting legal action to cease any type of contact and remove any collection accounts immediately.
Product: Payday loan, title loan, personal loan, or advance loan

In late 2021 I got an equipment loan what was supposed to be for {$20000.00}. In the contract it did not state what the interest would be but that I had to pay 48 months of {$910.00}. It then turned into $ XXXX month. Technically the machine is already paid off. I have tried contacting the company and they refused to tell me what else I am paying for or for the interest amount. It seems the interest is over 40 %. I believed they are going against TILA and what they are doing is usury. By the end of the loan I will have paid over {$45000.00} on a {$20000.00} loan.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and I believe this was an oversight on their part. I have never been late with on this account. I notice the late payment was reported in XX/XX/XXXXXXXX  and XX/XX/XXXX. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. 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 21 days before the payment due date. Based on the information, I am asking for these payments to be removed as a courtesy. 

These late payments are hurting my credit profile, as a customer with on time history, I will like a courtesy to be given in the event of the late payment being reported changed to paid as agreed or current. I know XXXX  can provide a courtesy the question is are they willing to provide that courtesy to a customer with a great payment history like me.
Product: Debt collection

I do n't know who this is they called my XXXX year old mom, made her very upset called my brother called my two sisters and called my cousin and my in laws saying he is looking for me but upsetting my entire family. Never once sent any correspondence to me. A place of business usually sends mailing and correspondence in the mail not calling ones entire family upsetting them. This is harassment NOT business. If you are trying to reach me mail me something.
Product: Credit reporting or other personal consumer reports

I am requesting that it will be removed from my credit report as soon as possible. 


It is not belong to me. It is fraud! This is causing me a lot of stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXXection 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/2022 I called Wells Fargo to inform them that I had been overcharged {$1500.00} for services/merchandise I did not receive. The agent informed me that she would be submitting a dispute on my behalf and for me to email any documentation, in which I immediately did. No other information was given to me. On XX/XX/2022 I received a voice mail from Wells Fargo letting me know my claim had been denied. I immediately called back and informed them again that I had not received any service/merchandise for the charge of {$1500.00}. I was asked to submit more documentation in which I did as soon as possible. On XX/XX/2022 I received an email from Wells Fargo stating my claim had been denied however, I was unable to open the attached documents in the email. On XX/XX/2022 once again I called Wells Fargo and was told by an agent that they were still investigating my dispute. On XX/XX/2022 I received a call from Wells Fargo. The agent informed me that my claim had been denied again. I explained to him that I had not received services or merchandise and I was being charged and forced to pay for something I never received. He became loud, argumentative and would not let me speak. I asked him why was my claim denied. He stated because it was submitted as cancelled and not as services/merchandise not received. I informed him Wells Fargo agents submitted the claims on my behalf and I had no control over that. I asked him to resubmit the claim and he said no and refused while being rude and talking over me. It was clear that he had no interest in helping me, cared about what I had to say or cared about being charged such a large amount for nothing. Wells Fargo has since put the charge back on my card and is unwilling to work with me or assist me in any way. I am disputing this charge because I am being charged for something I never received. Whether it was cancelled or not I did not receive anything for this charge of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
XXXX : XXXX. XXXX, 2021 XXXX XXXX, Old ( XXXX ) XXXX XXXX XXXX OF XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX ACCOUNT XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a recreational vehicle and financed it through Bank of America over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years
Product: Money transfer, virtual currency, or money service

Chase bank. 
Two months ago, I came to XXXX. For the past two days, I have been trying to make a XXXX payment to my friend, but suddenly my Chase mobile app got locked. To unlock the account, they are asking for my debit card, but I dont have one as I havent used it yet. Im asking if there is any other way to verify my account, but they are not responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher.

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code XXXX The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Mortgage

Quality Loan Servicing raised more questions in response Quality Loan Servicing has confirmed employment for notary XXXX and signer of XX/XX/XXXX Trustee Deed Upon Sale ( TDUS ) XXXX bankruptcy attorney - stated Quality Loan Servicing actions including unlawful detainer only reflect TDUS from XX/XX/XXXX foreclosure XXXX bankruptcy attorney stated their files do not reflect recession from XXXX XX/XX/XXXX due to modification in process. 
XXXX bankruptcy attorney stated recession information was not disclosed at no time XXXX bankruptcy attorney agreed The Relief Of Stay was granted in XXXX XXXX a foreclosure does not happen within two months. 
XXXX bankruptcy attorney stated for some unknown reason Quality Loan Servicing insisted to close file in XX/XX/XXXX and have one of their affiliates, divisions handle the unlawful detainer - which raises more questions. 
Quality Loan Servicing Employee in house notary XXXX XXXX Negligence, Errors and or Omissions. 
The TDUS ca n't be verified without following procedure TDUS appears to be voidable or void TDUS is not recorded in notary journal Recession has been verified Recession is documented in notary journal Both Recession and TDUS are both from XX/XX/XXXX notarial journal-TDUS not recorded in XX/XX/XXXX notarial journal. 


Quality Loan Servicing has no authority to validate any documents - must be in XX/XX/XXXX journal by sworn in notary XXXX XXXX to protect public interest.
Product: Credit reporting or other personal consumer reports

So I notice on my credit report that Equifax is reporting a fake student loan company to my credit report, I tried call the company and I got a wrong number I looked up the address and that company does not exsist
Product: Mortgage

RP Funding accounting of my escrow account continues to be erroneous. I am NOT asking for a recitation of all of the past matters. Fix the math. See attached escrow balance. There is an error of {$25.00} in the math of RP Funding. A full accounting of all payments is attached and below. 

Date Description Memo Payment Amount Escrow Balance BALANCE XX/XX/XXXX XXXX XX/XX/XXXX Opening Balance XXXX XXXX XX/XX/XXXX Escrow Funding from Closing XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Property And Casualty Payment Erroneous payment by RP Funding XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX BALANCE XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took this loan out in an emergency basis for XXXX. I have been making payment of XXXX every two weeks since XXXX. I have paid them XXXX back and I am struggling to pay the rest. I called to see if I could try to pay early and negotiate a price and they stated if I 'd like to pay off early it would be XXXX. That 's still more than I initially borrowed plus the XXXX I 've already paid them. I can no longer pay my bills with almost XXXX going to them. I 'm desperate for help with this predatory lender.
Product: Credit reporting

Experian Credit Bureau is not verifying accounts before reporting them. This is in violation of the FCRA Section 609. Which states that reporting agencies are to verify all contracts and signature prior to reporting.