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

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Checking or savings account

On XX/XX/2024, I opened a personal checking and savings account with Chase. I deposited a mobile check on XX/XX/XXXX and XX/XX/XXXX and both were processed with a 2-day hold. I then opened a business banking account as a sole proprietorship on XX/XX/2024 with no issue. On XX/XX/2024, I visited a Chase branch on XXXX XXXX to deposit checks into both the personal checking and business checking account. No issues were raised at that time. About an hour later, I received an email with a subject titled Important : Please contact us- To help protect against fraud, we restricted and MAY need to close your account soon. I contacted the number provided and they stated that Chase will be closing my accounts. After asking for a reason 6 times, no reason was provided. I went back to the branch to provide my ID and understand why my account was being closed after depositing a total of $ XXXX of personal money and $ XXXX of business money into the accounts. No reason was able to be provided after speaking with bankers at the XXXX XXXX location in XXXX, the manager at the XXXX XXXX XXXX XXXX  and the manager at the XXXX XXXX location. I offered to provide any proof they needed, including but not limited to my social security card, license, passport, marriage license, birth certificate. After spending about 8 hours of time on XX/XX/2024 to understand why Chase was doing this, no answer was provided.
Product: Mortgage

On XXXXXXXX XXXX XXXXXXXX, I was in the process of buying a home in XXXX, S.C., the address was XXXX XXXX XXXX XXXX..I was buying it through my bank which is Bank of America . I was in his office XX/XX/XXXX at ( XXXX XXXX XXXX, XXXX, SC XXXX ) and he withdrew {$670.00} for an appraisal XXXX XXXX. After the inspection report I opted out of the contract on XXXX XXXX. The appraisal never went through. I ended buying another home, which I purchased for {$300000.00}. I put a down payment of XXXX, so I didn't need an appraisal.As of today I still haven't received my refund from the appraisal of XXXX XXXX XXXX XXXX , XXXX , SC . 

XXXX XXXX has been giving me the run around ever since. I have contacted the bank assistant XXXX and she stated I would receive a check in the mail since it was a debit transaction. Never received it and when I called her she told me to speak with XXXX XXXX. XXXX told he spoke to his boss XXXX XXXX about the situation and said they would take care of it. Waited a couple of weeks and still not resolve. I spoke to a representative in the bank about it and he told me he couldn't do anything about because the Mortgage company is a different division. He to told me to talk with XXXX XXXX about it. I spoke to him on XX/XX/XXXX and he said he submitted it again and waiting for approval. On XX/XX/XXXX, he texted me and said Just got back from vacation and been checking up. Your request is still in process not declined so that is positive but hasn't been approved yet either. Just wanted to keep you posted.Have other texts also. Tired of getting the runaround. If you can do anything would appreciate. Thank You!
Product: Student loan

I currently have all my student loans through Nelnet. They acquired them 5-6 years ago. When they initially acquired them from my previous loan holder they changed my repayment terms for my loans to 25 years with out my consent. I called them as soon as I noticed and told them I did n't authorize them to change in repayment term. They ended up setting up the loans as one set up a 10 year repayment and another set up as 15 year repayment. My payment was around XXXX a month. I have been repaying these loans for the 5 years. I have had to times when I went on 3 months of XXXX that I put the loans on forbearance for 3 months. Through this 5 year times they have tried to reset my loan repayment term to 25 years without my consent. I only notice when I call and ask what my repayment term is. Every time they supposedly tell me they put it back to the original repayment term. This just happened again and now I am being told that they can not put it back to original repayment term without my payment going up. Please help. I feel like I am being taken advantage by them and I am not sure what to do.
Product: Checking or savings account

Urgent!! Citi bank scammed me. After few months of Bussiness. Difficulty to log in. Managed to transfer money to them from the saving of my kids. Then I try to buy car XXXX they hold the check and Bounce it twice caused me a grief list of time and money with XXXX XXXX  made in XXXX  ( XXXX,, XXXX customer service ) Shame if bank then banker XXXX XXXX another failure that working there. Offering to wire money then we need to fight with them for days they claim that I dont have phone on public records so they cant approved it. I explained them I dont have a social. In only student and mom for kids I dont have a phone only this number XXXX they so unprofessional and shameful bank now they holding me XXXX $ XXXX dollar while all wires before done from my kids saving nothing changes This is a scam back and I am sure there is federal violation here by them not letting me to withdraw my founds back!! 
There is federal regulation about that fir sure but they doing whatever they want you need to Force first to return my money with all maximum interest and then I will find a lawyer to sue them Please help me ASAP XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting negative and inaccurate information on my credit report. This account is closed and was agreed to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX , XXXX XXXX , XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

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

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose to furnish my personal information to any third party. 15 USC $ 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : ALL XXXX  XXXX ACCOUNTS / 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  ANY AND ALL ADDRESSES EXCEPT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXX ALL EMPLOYMENT EXCEPT XXXX  ALL PHONE NUMBERS EXCEPT XXXX XXXX ANY AND ALL NAMES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL CRIMINAL REECORDS Remove these Accounts from my Credit Report ALSO NEED TO SITE 15 U.S.C 1666B 15 U.S.C 1681 15 U.S.C 1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, per my conversation with Lexis Nexis,. They are still reporting incorrect information ( Bankruptcy ) that was not verified by the original source. XXXX XXXX XXXX XXXX XXXX XXXX  ) stated that Lexis Nexis did not contact the courts for verification and relied on a 3rd party vendor for for verification. When ask, they refused to give me the source. Im requesting that this information be removed per FCRA due to un verification.
Product: Credit reporting or other personal consumer reports

Date of repossession of vehicle was on XX/XX/year>, received a letter in the mail dated XX/XX/year> that the vehicle was sold in the amount of {$18000.00} and the amount owed was {$7000.00} with fees. XX/XX/year> Kia Finance America reported an amount of {$3900.00} to the credit bureaus. XX/XX/year> I received noticed that Kia Finance America is now reporting and owe amount of {$22000.00} which is the original amount pre sell of the vehicle. I have not received any letters from Kia Finance about the final amount owed outside of XX/XX/year>
Product: Student loan

In  XXXX     2017 my   Company b egan a student loan repayment program, designed to help employees pay off their student loans. These payments are approved through a third party vendor, and require approvals through submission of paperwork and eligibility. In  XXXX   2017 I w as approved and my Company began sending {$100.00} checks t o Discover Student Loans to aid in paying off my loans. I have an auto debit payment schedule with Discover. Prior to entrance into this program, I contacted Discover and explained to them the situation and that a third party vendor would be making payments on top of my current monthly payments. I requested to not have any additional money received to count towards my expected payment amount. Discover has refused to pr operly apply my additional payments, and instead consistently apply them to future due balances, effectively delaying how soon I can pay off my loans and lowering the amounts pulled automatically from my account. I contacted them when I noticed this error, asked to have it corrected, and that any future money received from a third party vendor to be applied directly to principal balance. Since then they have continued to apply my payments incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Debt collection

I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called Midwest Recovery and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with XXXX opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.
Product: Debt collection

I contacted portfolio recovery and advised.they will not listen to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXXXXXX 2021and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This relates to the Amazon Chase credit card. I ordered a camera on XXXX through an 18 month interest free purchase period. This is a feature available to card holders, either this or 5 % back on the purchase value. After the first month my autopay on the account paid the full balance that was owed 18 months from now listed on the Chase credit card statement, over drafting my checking account.

When I called Chase they told me they could refund the payment, but I would owe the 20.74 % on the purchase as they could not reapply the interest free promotion to the amount. They told me it was my fault for not switching my auto pay to Interest Free Balance. The problem is, the Interest Free Balance option was not available when setting up autopay. It was only available after making the 18 month interest free purchase. The only options available prior to this were Statement Balance ( which it was set to ) or Minimum Payment. So someone would just need to know to go into their account and change it on their own after making an deferred interest purchase. 

Also, when I tried to update it after this interaction, clicking Done does not actually update the selection. So if a user updates the selection and clicks Done then backs out, they did not update their selection. They have to select Done after changing their interest payment option, then scroll down and check an acknowledgement box, then press submit at the bottom of the page. I work as a XXXX XXXX XXXX  and consider this to be a confusing interface. Given how I was being forced to fulfill the payment or owe 20.74 % of the purchase value, I would argue it is intentionally confusing to trick users into thinking they did update their settings. Even then, they would have to know it needs to be updated in the first place. 

Well, I didnt want to pay 20.74 %, so I moved money around to my checking account to avoid the overdraft fee before the end of the day. I then called Chase back and asked if I could at least get the 5 % back on the purchase since the 18 month promotion was not honored. They told me no and said I would have had to request it within 3 days of making the purchase.

I find the entire interaction intentionally predatory.
Product: Mortgage

I have a Home Equity Line of Credit ( HELOC ) with Chase Home Finance ( Chase ). The line of credit was frozen shortly after it was opened. According to Chase, the reason the HELOC was frozen was due to a diminution in value of the home securing the HELOC. 

In or about XXXX, 2014, I received a check in the mail for {$65.00} from Chase. I was instantly suspicions as Banks do not generally send unsolicited check to consumers. The Cover letter accompanying the check explained that " During a recent review, we found that you are due compensation for valuation fees on your home equity account. We apologize and have enclosed a check for {$65.00} as compensation. " As I was suspicious, I called Chase to confirm the legitimacy of the check and to find out what it was for. I was XXXX told to write to chase with my request, which I did. I have spoken with Chase numerous times since then and still no one has explained to me what that compensation is for except to say that I was charged a fee that I should not have been charges and this was a refund. 
The problem with this explanation is that it does not fully compensate me. This account accrues interest, if I was overcharged for a fee ( an unexplained fee ), my regular monthly payments were not paying off principal and this reducing interest at the rate had the error not have happened. So, {$65.00} is insufficient compensation.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX Balance Owed : {$920.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

The man calling me refused to verify himself! Ive asked several times. I have also attempted to dispute this account on several occasions! Its now been at least 9 years! Im by no means responsible for this debt and would appreciate some assistance because its out of hand with this this current company!
Product: Credit reporting or other personal consumer reports

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX  demanding the deletion of the accounts listed Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help, I noticed incorrect information being reported on my credit. From my understanding by law, you guys are supposed to report accurate information and your not. Please investigate these accounts for Maximum accuracy the remove NOW! Without permissible purpose anything on a clients consumer report without permissible purpose is considered identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has deliberately listed my account 30 days late in 2019 when it was not, payment was made XX/XX/XXXX to XXXX balance and company has yet to update report. Requested twice for correct information and company has not updated information to credit agencies hindering mortgage purchase