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

Ive noticed that these late payments do not align with my usual payment habits and are not accurate.
Product: Checking or savings account

{$48000.00} in fraudulent XXXX charges were made out of my Chase checking account and not by me. It started on XX/XX/XXXX and I caught the fraud and immediately reported it to Chase mid XX/XX/XXXX. Chase has already closed my case and does not want to reimburse me the money.
Product: Debt collection

XXXX XXXX falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX  on a recorded line. The falsified agreement has been disputed as well.
Product: Payday loan, title loan, personal loan, or advance loan

I've been denied credit via XXXX, loans issued by Affirm as well as through Affirm directly, most recent request was made via XXXX XXXX also through Affirm. It appears my credit is not being taken into consideration, loan requests are automatically denied, my credit is not checked.. I typically receive an alert through credit monitoring when there is a check, nothing received. It appears Affirm is automatically denying loan requests. Currently, I have XXXX loans out with Affirm, XXXX recently paid off with XXXX. There appears to be an error on end of Affirm
Product: Mortgage

I have been working on a short sale since the end of XXXX with the XXXX mortgage company. There is a XXXX mortgage on the property, which the borrowers swore they did n't have. Spent 6 weeks trying to find out who held the XXXX mortgage, only to be told that no one was claiming it. XXXX bank said they showed it as closed, when asked to get a Satisfaction filed, I was told no. Finally, after running the borrowers credit report, I found the XXXX mortgage company on XXXX XXXX, 2015. On the same day, I contacted the mortgage company and faxed everything they needed to them to approve a short payoff of the XXXX mortgage. On XXXX XXXX, additional docs were requested by the XXXX mortgage and were faxed right away. They then told me that the loan was being transferred in 5 days to a new mortgage company, but they would forward everything to them and we should have approval right away. I contacted the new mortgage company, explained that all we were waiting on was the XXXX mortgage approval, so the XXXX mortgage could complete their review. On XXXX XXXX, I called to check the status and was told that the previous mortgage company had not forwarded documents as promised. I faxed everything to them that same day. I have consistently called to check the status and get no phone calls back from them. I stayed in contact with the XXXX mortgage company throughout, but as of today, we received a fax from them denying the short sale as the documentation needed from the XXXX mortgage company had not been received. I called the XXXX mortgage company and verified with them, that now we would have to start all over with them, while still waiting on the XXXX mortgage to approve. XXXX foreclosure sale date has already been cancelled, and I 'm worried that they will schedule another date soon and we wo n't be allowed to get this short sale completed because the XXXX mortgage company is dragging their feet. Do they not realize they will get nothing if it goes to foreclosure? What is wrong with these banks? They are a XXXX mortgage and still require all of the documentation that has been sent to the XXXX mortgage company. They should just be concerned with the amount they receive and either accept what 's offered or they could counteroffer.
Product: Mortgage

Ditech company is not willing to remove PMI, our property value base on the last broker price opinion that was ordered by ditech in order to remove the pmi Came out to {$660000.00} and our loan remaining is {$490000.00}, that makes our equity well over 20 % that is necessary for pmi removal, we also never missed a payment and always been on time, been contacting ditech and they not willing to remove the pmi just because they just bought the loan from my Previous loan provider XXXX XXXX please help me even that our payment history is perfect and our home price been valued sufficient, please contact me for extra Evidence that this company is abusing and not playing by book. 

I have attached the denial letter with reason that home value has decreased while in the same report from ditech broker price options shows the price increased significantly, please see both attachments, so far I called over a dozen time to ditech and emailed them many time and send many letter but each time they respond with unreasonable answers to avoid removing the pmi. Please help
Product: Checking or savings account

i preordered a XXXX  from XXXX website portal at XXXX on XXXX the amount paid was {$100.00}. the order # ( ask me ). the model of the truck ordered was " XXXX XXXX XXXX Full Self-Driving Capability ''. i ordered under the email : ( ask me ) and XXXX sent me a confirmation email with all of this information. i paid for this with a debit card. XXXX had my cash for the preorder of the XXXX  for over 4 years. during this time they were holding my money as an interest free loan as i paid for a product i never received. after being fed up with the lies and delays and seeing that XXXX was canceling orders, i decided to cancel my order. it said on multiple sites including XXXX that XXXX was promoting cancelations due to not being able to deliver on what XXXX promised. and all money paid toward an order would be refunded in the event of a cancellation. the refunds were expected to go out within 30 days of cancellation. the day i canceled on was XXXX more than 30 days passed and i contacted XXXX through the only means available which was their service department which placed me on hold for hours. i called their sales department and all of their sales lines direct to a voicemail which was full. i then contacted online support for XXXX  and they directed me to the same lines i had called. i made follow up calls to resolve this and XXXX has not resolved it. i have only spoke with a person in the XXXX sales department. no one from service, sales, or support has attempted to reach out or correct the issue. since then i contacted my bank, US BANK, and they ran it through their fraud department and they laughed since several years had passed and they said that once it goes past 365 days, that becomes the account owners loss, so now XXXX has kept, ( STOLE ) my deposit for a truck, canceled my order and made it impossible through their own design to contact anyone regarding support. i know its a long shot and i will probably never get my money back but this is fraudulent on the part of XXXX plain and simple. XXXX promised me a product, they lied, they misled me, they stole my money and then they hid from me by making it impossible to contact anyone at XXXX for a refund. i have contacted my bank USBANK twice about the issue and they told me flat out that no refund was made and that XXXXXXXX XXXX XXXX and they arent willing to help me by providing proof of any kind that my refund was sent. since the payment was made so long ago the debit card it was made on expired and no one at USBANK is willing to help. i cant even contact anyone at XXXX. please help refund my money. i dont want these thieves and scammers to win another one. its total XXXX  that anyone would have to go through any of this.
Product: Debt collection

Collector filed delinquency collection after only 30 days after alleged fall-behind date. I was out of state and did not receive notice. Further, they reported a delinquency and collection after only 30 alleged days instead of 180, an egregious disregard for reporting procedure. 

There is a medical collection with an original statement date of XX/XX/XXXX, therefore I can not fall behind until XX/XX/2016. From XX/XX/2016 I have 180 days to pay debt before it is reported on credit. A delinquency was submitted XX/XX/2016 and appeared on my credit on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the accounts being reported to the credit bureaus by your institutions and request documentation to support the legitimacy of these debts under XXXX XXXX. XXXX, which prohibits financial institutions from securing loans or discounts on the security of their own capital stock. As such, I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a copy of the original instrument of indebtedness associated with the account in question, confirming that the loan or credit line was not issued in violation of XXXX U.S.C. 

Request for Proof of Original Instrument Indebtedness : I request that you provide valid and legally enforceable documentation, including a copy of the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of XXXX XXXX. XXXX. This document should establish the authenticity of the debt being reported and prove compliance with this legal requirement.If XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX unable to provide sufficient enforceable proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. It is your obligation under the FCRA to ensure the accuracy and fairness of the information reported, and without proof of the original Instrument of Indebtness, the reporting of this account is both inaccurate and incomplete. 

I request copies of all supporting documentation used to verify the accuracy of the account information. This includes any loan agreements, contracts, or financial instruments of indebtness that prove compliance with XXXX XXXX. XXXX the original debt instrument, the account is unenforceable.
Product: Student loan

I have private student loans that were originally serviced by XXXX XXXX then transferred to Navient. They wanted me to pay over {$600.00} a month, always starting that I had no other options available to me. I was also told 5 years ago that since my mother had passed because she was the consigned ; that they would be forgiven. Every time I called I was told a different lie. Recently my loans have gone into default but they keep saying I 've been making payments of {$400.00} plus dollars a month even though the charged it off so it 's affecting my credit now. The original amount of my loan was {$30000.00} now it 's close to {$60000.00}. They do n't send out letters of any kind yet the say oh the letter is attached to your account. If you refuse to send me information about my loans how am I suppose to know the steps you are taking. I could go on and on but I will just say I 'm happy karma has caught up to them. Thank you ...
Product: Checking or savings account

I visited a Chase branch to discuss a credit card transfer and while I was there the banker mentioned the {$300.00} coupon they have for opening a checking account with direct deposit. So I agreed and spent the next hour opening up a checking and savings with the Chase banker.      After my  XXXX  direct deposit I waited a week and checked my statement to see if the {$300.00} had posted into my checking account yet.     It had not posted so I called up to the banker who opened my account to check the status. She got with the bra nch manager and t hey said they would get back to me the following day.     No one ever got back to me so I called back and talked to the branch manager and she mentioned she would contact the back office again.     After I never heard anything again after a few more days I went up to the branch to see if I could resolve the issue in person.     I was then told by the branch manager that there was nothing she cou ld do bc the ba ck office said even though it was the bankers mistake of not entering the coupon code correctly, I would not be able to get the {$300.00} I signed up for.     I immediately pulled all of my money out of my checking and savings account with Chase because I was furious and emotionally drained from all of the time spent opening an account/following up/closing my account.     And I find it hard to believe they do n't owe me my {$300.00} still.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( Letter 1 datedXXXX ] and Letter 2 dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 4. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information. 
o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 
o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section. 
o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information. 
o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights. 
5. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements. 


6. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 2. Creditor Name : Account Name : Account Name : XXXX Account Number : XXXXPresent below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now XXXX  and Equifax have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on XXXX  or Equifax and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.
Product: Money transfer, virtual currency, or money service

I was involved with a telephone wire transfer money order scam on XX/XX/2023. The transaction took place XX/XX/2023. The total of each XXXX direct was {$490.00}, {$490.00}, {$490.00} totaled {$1400.00}. 
Immediately after the phone call on XX/XX/2023 I realize I was a of victim of a SCAM ... .., I then immediately called Chase Bank to inform them that this is a scam and to the stop payment. They gave me a case number of XXXX. 
Chase bank wrote a letter on XX/XX/XXXX to update the claim. I received the letter on XX/XX/XXXX. The letter stated this : 1. We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
2. As a result, we are removing {$1400.00} from your account on or after XX/XX/2023. 
3. Contact us if you would like to request the information we used for our research.

I contacted Chase immediately to request a supervisor or manager to resolve this scam I was involved with. I did not authorize this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report and noticed some major violations according to law 15usc 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; J.P Morgan Chase Bank has not followed its duty set by congress.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I would like to bring to your attention a discrepancy between the last active dates reported by XXXX and TransUnion for the charged-off XXXX account ( account number XXXX ). XXXX is reporting the last active date as XX/XX/XXXX, while TransUnion is reporting XX/XX/XXXX. This inconsistency is concerning as it suggests a re-aging of the debt, which would be in violation of the Fair Credit Reporting Act ( FCRA ). 

The difference in reporting dates between credit bureaus can lead to confusion and potential errors in my credit history. It is imperative that all information is consistent and accurate across all bureaus. Therefore, I am requesting that TransUnion investigate this matter and ensure that the reporting aligns with the accurate date of the original delinquency. 

Please provide me with documentation that verifies the last active date as reported by TransUnion. If this date is found to be inaccurate, I request that it be corrected to match the correct date of delinquency and that any re-aged information be removed from my credit report. 

t. According to my credit report, the last active date on this account was changed, which I believe is incorrect and constitutes re-aging of debt, in violation of the Fair Credit Reporting Act ( FCRA ). 

As per Section 605 of the FCRA, the seven-year reporting period begins 180 days after the start of the delinquency that led to the charge-off. Any change to the last active date that extends this period could be considered a violation of the FCRA. Here is the specific language from the statute : ** 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ** ( c ) Running of reporting period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

I have previously disputed this information with the TransUnion, and now I am formally requesting that TransUnion provide me with the following : A detailed statement of the account, showing the date of the original charge-off and all subsequent activities.

If you can not provide these documents or if you find that the account has been reported inaccurately, I request that the account be removed from my credit report.

Please conduct a thorough investigation into this matter and respond within 30 days from the receipt of this letter. I have also filed complaints with the attorney general regarding this issue.

please see attached a copy of my credit report showing the inconsistency between TransUnion and XXXX
Product: Debt collection

I do not own that debt. An insurance company called XXXX enrolled me on a policy that I didnt sign up for through one of their agencies. I told the agency I did not want the policy and did not sign the paperwork that they sent me via email to officialize the policy. However the agency went ahead and enrolled me without my consent. They however cancelled it after two months but forgot to cancel back the other two months. All happened without my knowledge. Only to realize yesterday that they sent the debt for the two months they didnt cancel to a collection agency. I called both the collection company and XXXX and they agency. The agent from the agency told me that he was going to correct the error and notify XXXX that I was signed up in error. But when I tried to call XXXX several times today, it seems they put my number on voicemail or blocked it. So Id like to get the collection removed from my credit file
Product: Credit card

For some reason I am unable to use my Avant credit card. 
I called customer service and they said there is a problem with my account and they need to verify my identity. I was not notified that there were any problems with my account, I only learned about this after attempting to use my card and it was declined. 
Phone customer service said to send an email to the company via my personal email. There is no online messaging portal. I sent an email, was told to call, and this went back and forth for a while. I finally got an email from a representative who said that I need to EMAIL my documents with personal information in order to " unlock '', confirm, validate, etc. my account. There is no other way to submit this information other than email. I do not feel comfortable emailing the requested personal documents which include a valid ID, financial information, and utility bills. I am happy to provide these documents via a secure online portal but it does not appear that there is XXXX available. 
I remain unable to use my card.
Product: Debt collection

MRS COLLECTION AGENCY ON BEHALF OF XXXX XXXX XXXX WITH REFERENCE ACCOUNT NUMBER XXXX AMOUNT ON ACCOUNT {$160.00} PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT.