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

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these inquiries 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 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 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have paid off most of my credits cards and the companies are not removing the late payment reports and it is hurting my credit score.
Product: Student loan

On XX/XX/XXXX, I entered repayment for my student loan with FirstMark Services ( bought from XXXX XXXX ) and according to the repayment letter sent to me on this date, my first payment for the loan was due XX/XX/XXXX. I payed my first payment ahead of time on XX/XX/XXXX and my statement that I received on XX/XX/XXXX stated that I had {$0.00} due for my XX/XX/XXXX due date. I have made every payment required for me since. 

On XX/XX/XXXX - almost XXXX years after I entered repayment, I received a letter stating that I entered repayment, which is odd considering I had started making payments almost XXXX years ago. It said the effective date was XX/XX/XXXX, my minimum required payment increased by about $ XXXX ( not a whole lot in the grand scheme of the monthly payment ) and that the effective date was XX/XX/XXXX. On the same day, I got another letter stating that my account was past due for {$800.00}. When I called into FirstMark to understand why I was getting a past due amount when I have records of making every single payment on-time and all my statements prove of this- they said this was from a XX/XX/XXXX payment that I apparently missed. I said that this was false and my first payment was due on XX/XX/XXXX and that this was an error and that this past due amount needs to be adjusted to be {$0.00} since I have made every single payment on-time. 

I contacted them over XXXX weeks ago regarding this issue and the issue still has not been addressed. I paid the past due amount out of fears that this will be reported to credit agencies when this was an error on their end, but still have not had any resolution. I dont think it is legal either for a company to say XXXX years later that you missed a payment when their statements to the customer say otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ive sent a report stating that 6 inquiries does not belongs to me ive also sent a removal letters and also an FTC report still nothing wasn't done
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Chase to advise them that I expected to have 2 charges on my account through Chase pay at XXXX in XXXX XXXX, one for {$100.00} and one for {$300.00}. I called them to advise them in advance as I understood that there had been fraud problems at XXXX and i wanted to try and minimize the chance of a problem. 

I went to XXXX and made the first charge of {$100.00}. I then tried to make the second charge of {$300.00} and the charge was denied. I called Chase at the store and was advised they had made an appropriate adjustment and I should try to make the charge again. It was denied. As the person I spoke to was still on the phone she advised that she could not fix the problem and she transferred me to a different department. I spoke to that department and they tried to identify who I am by asking me questions from the public record. The questions they asked had nothing to do with anything in my past so they were not able to confirm my identity. They advised that they would contact me within 48 hours but in the meantime I could not use my card. When I returned home there was a message on my phone from Chase, which I am not sure what the timing of that call was. I returned the call but they were still unable to resolve the matter and they would call within 48 hours. I did not receive a call but several days later received a letter from Chase asking me to call. They were not able to get access to my account and advised that they would call in 48 hours.  Today is XX/XX/XXXX it has been 17 days since the initial incident and I still have not received a call from Chase. I called Chase today and was advised that they still could not access my account and they had no further information. 

I do not understand the problem and am only seeking to have whatever the problem on the account is resolved. If they wish to cancel the account, I would be okay with that other than I believe I have earned {$10.00} of cashback rewards which I would like to receive or be credited with. I just find it frustrating that it has taken 17 days to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Product: Debt collection

Progressive Management systems claims I owe them over {$1300.00} but I do not recall any debt owing or being collected in the past year or XXXX I pay all my debts I'm in good standing with everything so I'm not sure where this is coming from. I do have or use clear balance to pay debt through my XXXX XXXX so I'm not sure why this one is saying that I'm outstanding which I don't have anything outstanding. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I refinanced my title loan from XXXX to Advantage Finance. I ended up finding myself in a position where I got into a situation where I got behind on my rent due to some extenuating circumstances that were beyond my control & missed months of payments. I owed about {$6000.00} on the original loan & they finally came & picked up my car in XX/XX/XXXX. I ended up having to file a XXXX XXXXXXXX to retrieve my vehicle because at the time they wanted a lot of money that I didnt have at the time. I was considering dropping my bankruptcy to see if I could work something out regarding the total but now theyre saying I owe XXXX XXXX on a car that I just paid off in XXXX & its a XXXX XXXX XXXX XXXX. The current blue book value for the car if I were to sell it or trade it in would be {$7000.00} which is still double of whats owed. I spoke with my attorney who told me I should reach out if I wanted to forego my bankruptcy because Id like to invest in real estate in order to build a substantial income. Spoke with XXXX & was told in order to refinance that I need to pay {$7000.00} which is even more than the amount I borrowed. This is predatory lending & I hate that I even got the loan because Im trapped & cant get out of this. If I was able to pay the loan without all of the added interest I would be fine
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX Balance {$6300.00} XXXX XXXXXXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Vehicle Lease from Hyundai Motor Finance ended ( with XXXX payment balance ) in XX/XX/XXXX. 
In XX/XX/XXXX, letter received from collection agency seeking to collect {$480.00} on behalf of Hyundai Motor Finance. 
In conversation with HMF Recovery Dept, I was informed debt is for XX/XX/XXXX Property Tax. I requested copy of Tax Bill, mentioning that vehicle was no longer in my possession at that date. I never received the Tax Bill. 
Following next conversation with Recovery Dept, I was told bill was actually for XX/XX/XXXX, I requested and received copy of the Tax bill and complete schedule of payments on the lease account. 
1. The Tax bill shows the amount of {$270.00} billed XX/XX/XXXX by local tax authority. 
2. The schedule of payments shows that : a. I was billed for, and paid, {$190.00} for property Tax in XX/XX/XXXX ( month following local tax authority bill ). 
b. The amount of {$480.00} is actually the amount of the monthly lease payments. 
c. All payments were made, as billed, with no balance remaining. 
HMF Recovery Dept have refused to acknowledge that there may be an issue with this bill, they have refused to escalate and have it checked.

This bill has also been reported on my credit by HMF, even though I have never been notified of it over the past year and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX  XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX  XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.
Product: Credit card

I signed up for an American Express card last year in XXXX or so. I was told I was getting a 0 % interest rate and a {$200.00} statement credit once I spent a set dollar amount ( which I reached almost immediately ). I called them back in the spring to get information on why I didnt get my credit and they told me there was no such thing and thats not what their agreement said. It 100 % told me on XXXX that American Express would provide both the promo interest rate and the credit. I have seen so many people complain about this on American Express. Its a problem that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2800.00} 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

XXXX has been trying to collect a debt that is not mines. This debt has been removed from my credit reports before and has now been placed back on my reports by a different collection agency. As well it was placed on my credit with XXXX different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto insurance renewal with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/2020, Fair Credit Reporting Act Notice has incorrection information which has had an adverse affect on insurance premiums. The report states that I do not qualify for a more favorable discount due to the items listed on my credit report. 
Renewal dates XXXX XXXX. 


Equifax generated the report
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to Equifax 's failure to properly reinvestigate and verify information associated with the XXXX  account. Equifax has shown inadequate compliance with Section 611 of the Fair Credit Reporting Act ( FCRA ), affecting my credit profile negatively through significant errors and unverified information. This failure to accurately report has led to multiple discrepancies, as detailed below : Account Number : Multiple variations reported, indicating inaccuracy.

Date Opened : Inconsistent dates reported.

High Credit : Discrepancies in reported high credit
amounts.

Credit Limit : Incorrect credit limit data.

Payment Status : Conflicting information on days reported late.

Last Reported Date : Inconsistent dates reported.

Date Last Active : Mismatched reporting.

Date of Last Payment : Variations in the reported dates.

These inconsistencies are violations of my rights under FCRA, and Equifax has failed to respond adequately to my request for a reinvestigation. I am legally entitled to receive a thorough description of the verification procedures employed, as well as the names, addresses, and phone numbers of any parties contacted in the verification process.

Specific Requests I demand that Equifax immediately provide : A full, detailed description of the procedures used to verify this accounts accuracy within 15 days of completing the reinvestigation, as mandated by Section 611 of the FCRA.

The name, address, and telephone number of each person contacted regarding this account, as stipulated in Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature proving a legal obligation for the exact amount claimed, in accordance with Section 609 ( a ) ( 1 ) of the FCRA.

7. Final Warning Any automated response or verification conducted solely through E-OSCAR will be unacceptable. If Equifax continues to evade my rights and fails to provide a satisfactory response within 30 days, I will pursue additional legal actions. Equifax is reminded that, as established in XXXX XXXX XXXX XXXX XXXX, they may be held liable for any willful non-compliance with the FCRA. 
Sincerely, XXXX XXXX
Product: Bank account or service

I Bank with chase and have n't had any problems with them. Loved how many locations they had and was very satisfied with them. Recently I got a phone call from a Kanas # at XXXX and I did n't answer. Then the same # texted me saying they going to deposit XXXX transaction in my account and the first one I need to withdraw and send back to them at a XXXX. I call the number back and told them they have the wrong # and he said are you XXXX XXXX and he told me all my info. Account # s.s # address everything. I told him not to deposit anything in my account and hung up. I get text messages after I hung up say if I do n't return the money have my attorney ready. I checked my account and it 's a tax refund check deposited in my account in the amount of {$1400.00}. The very next morning I called chase at XXXX and I get told my account is restricted and closed. I don'the have access to any of my money. I have rent my car payment and house hold to take care of. I just got paid Friday and they are holding my pay check. I have no gas in my car. I missed work. My son does n't have bus fare to go to school. I have people calling asking when I 'm going to pay my bills. It XXXX as a customer of chase to be treated like a suspect instead of a victim. I thought that was the point of putting your money in the bank to be protected soon as they have to do a little work to help their customer they just freeze and close their account not thinking about what we have to do with our money. I was told they will reevaluate my account after the check returns. At this point I do n't even want their services anymore and I will never recommend them to anyone.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}