23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I went to XXXX  and my job wouldnt let me come back after I got out of XXXX and I was put on XXXX XXXX which made it kind a hard to go find a job so before I was able to get a job my truck was repossessed for not making a payment they still have my vehicle and if they would let me get my vehicle back I can get a job to be able to make their payments but I cant make payments on something When I do not have a job and I can not get a job because I do not have a vehicle to go find a job because my truck was repossessed if I could just get my truck back I could start by making payments I have a job I just have no way there
Product: Credit reporting

In regards to account : XXXX XXXX Please be advised that your blatant disregard and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer have caused harm to me by seriously affecting my credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. 
Your offices have only provided me with partial validation ; your offices have not yet provided sufficient evidence that this alleged debt is mine. Provide me with a complete account statement printout, signed contract, a contract giving XXXX XXXX XXXX power to collect, and original creditor 's address and telephone number. 
I 'm sure you are aware of the consequences in violating the FCRA and FDCPA as well as the multiple violations your company is now responsible for, but not limited to : As per the 809. Validation of debts [ 15 USC 1692g ] ( : ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
813. Civil liability [ 15 U.S.C. 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow.
Product: Credit reporting or other personal consumer reports

Im failing a complaint against Equifax for failing to properly reinvestigate my disputes regarding inaccuracies on my credit report dispute my submissions.
Product: Credit reporting or other personal consumer reports

After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX  Delinquent Payments - XXXX & XXXX of XXXX Account - XXXX XXXX XXXX Delinquent Payments - XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I realized that I have dames on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. This is a defamation to my character.
Product: Credit reporting or other personal consumer reports

ooked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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. 



I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Did not receive any information on this collection. 
the company is MOUNTAIN LAND COLLECTION the amount is for {$98.00}
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I have made attempts to dispute the debt own on this account to be inaccurate and incomplete. This item was purchased by a third-party debt collector, XXXX. XXXX, XXXX. I have no written contract with them to pay this debt. The amount displayed on my credit report is incorrect and was paid for less than owed, by the third-party debt collector. The question is how much did the collection company ; XXXX. XXXX, XXXX pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, this must be DELETED IMMEDIAELY. This credit bureau has not responded back to me as of yet or resolved the problem.
Product: Money transfer, virtual currency, or money service

I am complaining about Zelle. How before Zelle transfers were done without confirming or giving us disclosures. Letting transfers before being done and no way to get money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

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 or other personal consumer reports

Multiple account that i dont know nor authorize appear on my credit. XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FICO 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I bought a ticket from Chase 's ultimate rewards program ( trip id : XXXX ). Chase sent me an email saying the flight has changed and the newest flight did not allow enough time for a change to the second leg ( see attached ). I purchased a new ticket for the same trip and asked Chase to cancel the ticket. Chase and XXXX neither helped me to cancel the ticket. Chase customer service told me to reach out to the airline and airline told me to reach out to chase ultimate rewards team. 

I did not get any refunds and I spent more than 5 hours trying to resolve this issue 3 days prior to my flight. 
Please see attached change flight email ( according to XXXX and Chase, I am eligible for full refund ). Neither of them helped me and I am out ~ {$1500.00} and had to purchase another ticket ( XXXX Please see attached boarding pass I ended up using ) I need CFPB 's help to recoup refund from Chase ( {$1400.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.
Product: Credit card or prepaid card

XX/XX/XXXX : {$14.00} Approved and processed by company XX/XX/XXXX {$1.00} Approved but not processed by company XX/XX/XXXX : {$63.00} Declined and not approved by company XX/XX/XXXX : {$59.00} Approved and processed by company XX/XX/XXXX : {$1.00} approved and not processed by company XX/XX/XXXX : {$27.00} approved and processed by company XX/XX/XXXX : {$1.00} approved and not processed by company XX/XX/XXXX : {$27.00} declined and not approved by company XX/XX/XXXX : {$100.00} declined and not approved by company XX/XX/XXXX : XXXX declined and not approved by company XX/XX/XXXX : XXXX approved and processed by company XX/XX/XXXX : XXXX declined and not approved by company XX/XX/XXXX : {$100.00}, approved and processed by company Chase posted the above transactions into my account. All the above transactions and attempts were made by perpetrator on XX/XX/XXXX and XXXX, XXXX in XXXX in various stores. I or any of my family member did not make any of the above transactions. Chase declined 5 if 13 transactions made by perpetrator on XX/XX/XXXX and XXXX, XXXX. Chase approved and not processed 3 out of 13 transactions made by perpetrator for {$1.00}. Chase approved and processed 5 of 13 transactions. A phone call was received on my landline from Chase on XX/XX/XXXX regarding the fraud activity in my account. I immediately called Chase and informed that none of these transactions are performed by me or my family. Chase canceled my card and issued new cards. All the above transactions were placed under investigation. Received letter from Chase dated XX/XX/XXXX indicating that I am responsible for payment of following 5 transactions approved and processed by Chase XX/XX/XXXX : {$14.00} XX/XX/XXXX : {$59.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$100.00} I called Chase on XX/XX/XXXX and disputed the above charges with a reason that I or my family member did not use the card or perform transaction using my card therefore should not be held responsible for above charges. Also, due to identity theft and unauthorized transactions performed by perpetrator should be investigated and the perpetrator should by brought to justice for performing all the above transactions and number of stores. A XXXX footage should be requested at the above stores to locate the perpetrator. I followed up with Chase with a Certified letter dated XX/XX/XXXX stating that none of the above transactions were performed or authorized by me or my family. I should not be held responsible to pay any of the above charges. Chase responded with a letter dated XX/XX/XXXX that I am responsible for the above 5 transactions approved and processed by Chase on XX/XX/XXXX and XX/XX/XXXX and the investigations is closed. All five transactions are posted to my account for payment.
Product: Checking or savings account

I opened the account through the promotion of earn {$300.00} with a new virtual wallet with performance select. However, I still have not received the {$300.00} promotion. So I contacted the PNC Bank on XX/XX/20 regarding this issue. The representative ( XXXX XXXX. ) told me I just need to wait 90 days before the promotion credited to my account. After 90 days, however, still no credit. I contacted PNC again but this time was told I was not qualified for the promotion. The two representatives gave me different information and kept me waited months for nothing.
Product: Credit reporting or other personal consumer reports

Remove accounts from account that was not properly investigated the companies are as followed 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 and XXXX XXXX. These accounts were used as a tax write off and should have been removed 6 disputes ago. Want all the accounts removed off my credit.
Product: Credit reporting or other personal consumer reports

My loan information was shared to third party companies without authorization from XXXX date. It was sold to various loan services. Over the years I have made multiple attempts to contact and discuss. I submitted a letter to each servicer on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen. I froze my credit in XX/XX/XXXX. I unfroze my credit in XX/XX/XXXX. Experian is not releasing my credit. I sent them two letters separately, one for unfreezing my credit and another one for removing the security alert. They are saying that they did not receive my fraud alert envelop. Now my credit is not verifiable by XXXX and I ca n't write my prescription. I believe Experian has highjacked my credit. Can you help me to release it.
Product: Mortgage

I closed my escrow account effective XX/XX/XXXX. 

The mortgage company, LOANCARE, re-opened my escrow account, on XX/XX/XXXX without my consent, request or approval and advanced {$1900.00} of funds to pay for a home insurance policy that had already been paid. ( I paid for the home insurance with my own credit card on XX/XX/XXXX ). 

To correct the issue, I called them, I explained that I did not need an escrow advance since I had already paid for my insurance. They advised to make a payment through the portal for the amount they advanced and call them after I make the payment to have it applied towards the escrow. I made the payment using their portal, on XX/XX/XXXX for {$1900.00} to cover the escrow shortage and requested again that they close the escrow they opened for me. 

Instead of covering the escrow shortage, they applied the funds I sent to my principle and won't get it resolved despite XXXX phone calls and XXXX requests submitted via their portal regarding the misapplied funds. The only change they made, after repeated efforts to get this corrected, is they applied a portion of the payment to the mortgage payment and left a portion in the principle, but still no funds were applied to the escrow shortage as I had requested. 

With re-opening the escrow account on my behalf, they have now also increased my mortgage payments which now include an escrow portion. 

It was extremely difficult to have the escrow account closed last year, it took several written requests and supervisors involved. And now they re-opened it. 

It seems they are trying to trick customers into retaining their escrow accounts and will completely ignore escrow closure requests. 

Thank you for your help in reviewing their practices. 

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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXXXXXX 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, credit repair services, or other personal consumer reports

i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says XXXX XXXX XXXX,, open on XXXX XXXX got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXXXXXX 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 ..World Finance is also on my credit i have tried and tried to dispute this account, but no luck XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported my account late 6 times listed on my credit report, account currently current, information of 6 missed payments posted is incorrect XXXX : Reported as a charge off, I have not received the 1099c for the span of 2 and a half years no contact was made either, I have noticed they reported a final payment on XX/XX/XXXX however data shows that was inaccurate information, account was closed XX/XX/XXXX, the accuracy on this report is way off, and I would like for it to be deleted. 

XXXX : {$590.00} collection ; this report was inaccurate I changed my insurance company due to XXXX charging high, they failed to cancel my policy properly when I switched to XXXX XXXXXXXX XXXX company, it was reported as opened XX/XX/XXXX and closed on XX/XX/XXXX which is highly inaccurate I left XXXX XXXX in XXXX and moved to XXXX 

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish a without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer plan as late for any purpose
Product: Credit card

I received a XXXX point deduction on my credit score late XXXX. This was categorized as account 30 days past due. I called my credit union to whom I have the CC with and there was no clear explanation given from any representative as to how, when or why I was receiving the hit to my credit score. I made an appointment to sit and talk to someone at the branch and they too were unable to explain or identify when the account was actually lapsed in payment unable to provide dates or amounts and I was told they would send an inquiry to card services. Almost a week later I was told that the account was 30 days past due in XXXX none of which has ever happened nor reflected via online banking on on hard copy letter head mail. I have never received an email, mobile banking alert, phone call or hard copy mail forewarning me or containing any information stating that the account was on the verge of being considered 30 days past due or that it was actually 30 days past due. I have yet to receive any evidence or formal explanation on when the account actually lapsed 30 days based on any policy nor the amount it was actually 30 days over due. I am constantly being told that that information is unavailable to me nor can it be emailed or mailed. Im simply left with a verbal explanation that consists of a random month, no dates and no amounts. I am told that once the account have been reported that there is nothing that can be done.
Product: Credit reporting or other personal consumer reports

I recently receive the copy of my recruiter report. And I noticed that some information was not reporting accurately. I Have one late payment on my account that I infact paid on time. The consumer reporting agencies must report all information accurately. I have not missed payments on this account, I've attarched a copy of my credit report to this complaint with the following date of XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with record showing that I had a late payment. If this information can I be verified I demand These payments be updated to paid on time Immediately. Thank you for your time, understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I lost my wallet, called Police, received Police report, then XXXX, TransUnion and XXXX did not remove off my credit report Completely erase from my account and account history!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  reporting my account with a late payment on XX/XX/year> and I have never been late. This account is open and active with a XXXX balance.
Product: Consumer Loan

Before applying for a Bank Americard Cash Rewards Card, I was told " your interest rate will be determined upon approval '' and told ... '' you may cancel the card if I am not happy with the interest rate. '' I applied for the card and received notice saying " your credit application has been approved with a {$13000.00} credit line. '' There was not mention of the interest rate as promised. I consider this false advertising. 

I called, no one could tell me what the interest rate was, and I was told to wait XXXX weeks until the card and paperwork arrives. I would have not applied if it took weeks to find out what the interest rate was. 

I find this totally offensive that they tricked me into applying then make me wait. In the meantime, my credit score drops because of their checking so I am TRAPPED with no card having to wait to see what the interest rate will be, before applying for a card elsewhere. This is a total strong arm lender biased transaction that is unfair to all consumers. BOA should be required to tell me the rate BEFORE applying or at the same time they give approval.