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

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for a loan, XXXX Dollars at XXXX Percent for 30 years but the Chase Representative changed the loan without my consent. They converted that loan to two separate loans, one for XXXX and XXXX almost equally almost XXXX dollars in payment, which was unaffordable for me and that was not the agreement. I applied for loan modifications and completed those payments but I was denied and foreclosed while I was doing those payments. The loan XXXX admitted they were going to fix, I have that in writing but never did. My dad complained almost everyday to make those payments. By working he is permanently XXXX and XXXX XXXX  by falling off a telephone pole working as a telephone technician. He has proof of the injury while trying to cover payments of this fraudulent mortgage transactions. There was threats of the debt collector of the Bank Representative. Theres a lot going on and there is a lot to be seen in this case. Then they told me to wait 3 months to behind in order for them to help us because she had some sort of mortgage XXXX. 

Thats not the loan I applied for they invented these XXXX loans. And XXXX is now the XXXX Collector and Now with an account thats not mine. In 2010 they foreclosure while doing the payments and bankruptcy protection and In 2010 I filed for notice of Recission under the 3 year window of Statues of Limitations because of XXXX, then debt XXXX came to my house and threaten us to pay them or they would kick us out without any foreclosure done. 

In these Emails, XXXX XXXX, offered me another job to make those payments when I already had XXXX. 
Now Ive received a notice of default that I did receive in the mail but a Notice Of Substitution of Trustee that never came from the Recorder Office or even general notice. It didnt come in the mail but we found it in the Assessors XXXX and Evidence of XXXX Loans they made on the same day. 

I also complained of the appraisal fraud because property was in bad condition. 

XXXX XXXX heard about my problem and called my dad telling him not to worry about this situation that he will fix it and when he would get out of XXXX the issue would be resolved. He forwarded it to the main office, they called me but they didnt solve it. XXXX recorded it and has this information. 

Now a XXXX called XXXX XXXX XXXX, representing XXXX is ready to foreclose on the house and trustee sell. 

Please help my dad because all his civil rights have been violated.
Product: Debt collection

15 USC 1692 G " I DO NOT RECOGNIZE '' " FALSE MISLEADING INFO PROVIDED BY DEBT COLLECTORS '' I have records of 200 plus phone calls As well text messages of the harassment
Product: Debt or credit management

Freedom Debt Relief -- Keep changing expected graduation date and changing your enrolled debt amount when you call and make a complaint adding XXXX XXXX XXXX more in payments and Fees and when I make an inquiry it gets worst more fees added to my account and my Graduation date and enrolled date changes- making me liable for thousands in more monthly payments-Thanks in XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Noticed an unknown hard inquiry on my credit report. I didnt authorize this. I have no accounts with this company. This needs to be removed. 

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX credit card not mine XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} FCRA Violation : student loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX collection not mine XXXX XXXX XXXX {$870.00} FCRA Violation : hard enquiries not mine 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 am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Collection : 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  Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX
Product: Checking or savings account

Unbeknownst to me, I was involved in a scam and lost {$110.00} through the P2P money transfer service 'XXXX '. Immediately after realizing I had been scammed, I contacted both XXXX and my bank that was linked to the app, Chase. XXXX could not cancel the transaction I made to the scammer but assured me that I would be able to resolve the matter with Chase by simply filing a fraudulent claim on the transaction. My first phone call with a claims rep at Chase assured me that once the transaction cleared that I would be able to file a dispute against it. A few days later I call back and another rep in the same dept. tells me that it wouldn't be possible due to what is essentially semantics. Instead, I went to a Chase branch ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) and was able to successfully file a dispute against the charge. I received a credit for the {$110.00} and I even went so far as to let them know that I would be able to provide solid evidence that I was indeed scammed and never received the intended product. A few weeks go by and I receive no communication from Chase 's claim dept. about the dispute, which led me to believe that it was resolved successfully. Until this morning when I check my savings account and see that there was a reversal of the {$110.00} on my account and no explanation as to why. I spoke to a claims rep and two different branch reps today and this time made sure to give them the evidence I had about the issue, including emails chains with a XXXX rep that instructed me to deal with Chase directly. I am now missing {$110.00} for second time in two months and Chase seemingly will protect me as a client on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, HI XXXX ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX Bankruptcy XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the spring of XXXX i received a colecttion notice from XXXX XXXX XXXX for remaining balance of XXXX for my XXXX XXXX  XXXX card on XX/XX/XXXX paid remaining balance i have canceled check and bank statment for that check. in XX/XX/XXXX received a colections notice from XXXX for same XXXX account for the same XXXX began disputes at this time sent supporting documents to experian multiple times only have proof of certified letter sent to XXXX with supporting documnts on XX/XX/XXXX at this time i belived everything was taken care of but on XX/XX/XXXX recived another collection notice for same account for same amount from XXXX XXXX began disputes again this time after multiple phone calles the account was marked paid XX/XX/XXXX did not look into it to much even though they were a year off of date it was paid it was over. until XX/XX/XXXX i began making sure my accounts were all accurate or reports to find out it is marked paid but as a charge off ... so after multiple attempts to resolve situation and sending support documents nothing happened my criedit score is still suffering
Product: Vehicle loan or lease

Honor had to to pay {$100.00} put a month I missed on the back end of my loan. Since they went into my bank acct and withdrawn additional funds my bank returned the payment. I also made arrangements and said it will be best to pay my loan each month by XX/XX/XXXX!!! This company sends my text messages from personal cell numbers and I have asked them to stop doing that! They will text me saying you are behind in your loan when Im not! Please help ... A man called me saying that he was the Vice President if the company.
Product: Credit reporting or other personal consumer reports

I am writing to alert you to fraudulent personal information linked to my identity. Accounts and transactions have been incorrectly attributed to me without my authorization or awareness, causing me considerable distress. I have fallen victim to identity theft and have already reported this incident. This situation requires urgent attention, as it has negatively impacted my financial standing and personal reputation. I request your immediate assistance in removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any required evidence and, if necessary, initiate legal proceedings to safeguard my rights and seek appropriate restitution. Your swift action on this critical matter is greatly appreciated.
Product: Checking or savings account

I am filing a complaint against capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

We certified mailed the following letter to XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX  : Credit Bureau Management XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  Adjustment To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXXXXXX XXXX  security breach, we made overpayments to our XXXX account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX  security breach occurred in XXXX and lasted for weeks. I contacted XXXX and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to XXXX, Tranunion and XXXX for the aforementioned reasons. Thank you.
Product: Debt or credit management

Hello, Back in XX/XX/2023 I made a dispute about a transaction for {$2400.00} that happened at XXXX. I dispute this charge because it charged my debit card but I paid with cash and had a receipt to show the transaction. Well, Moneylion told me that, The merchant has 30 days to respond to a chargeback request. Depending on the transaction type and merchant responses, the chargeback process may take 30 to 90 days. They also say that a Final Determination : Theyll send you an email when we've finished our investigation and made a decision regarding your dispute. The final determination will come within 90 calendar days of the filing date ( this is Moneylion Dispute Timeline ). Its past 90 calendar days and they still havent gave me my money. On the 85 day, they emailed me asking for a receipt of the transaction that happen on XX/XX/2023, almost 3 months and they now act like they want to work
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : SOURCE RECEIVABLES MNG ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$120.00}, XXXX. ( Date Opened XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, XXXX XXXX  ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

Vehicle repossessed and sold. The deficiency balance almost exceed the original balance of the loan. This after making payment on $ XXXX and remaining balance of $ XXXX after paying for almost three years. Impossible to have this balance. I researched the company and I see that this a predatory lender in the finance business. They are outside of the norm for being a company that finance cars. I am out right in disagreement the deficiency amount. I was never alerted of the vehicle being sold at auction another violation. I am asking that this company be held accountable especially in the current climate, pandemic era. 


https : XXXX
Product: Credit reporting or other personal consumer reports

I found accounts on my credit report thats not mine, i file ftc report numerous times and still no help. Remove these accounts.
Product: Payday loan, title loan, or personal loan

I told CashNetUSA I needed to adjust automated payment dates due to income date change. I was told the dates couldn't be changed and I'd have to request 2 days before payment to have it moved every 2 weeks. I contact them as instructed and they have ignored the request due to improper response i.e. I didn't respond with I Agree or yes, or they " didn't receive '' request. This has caused my bank account to be overdrawn.
Product: Debt collection

On XX/XX/XXXX I notified XXXX with XXXX XXXX XXXX over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from Jefferson Capital Systems , LLC who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
Product: Credit card

I submitted an identical complaint against Chase in XXXX 2015 for unauthorized interest charges and after your involvment they resolved it. The Case number was : XXXX. However, Chase has done the same unlawful act of charging interest after receving payment. 

I had a {$5400.00} statement balance, which was due on XXXX XXXX on XXXX XXXX I had made payments totaling {$5100.00}. I was blocked from making the final {$310.00} payment by a 24 hour payment lock and I am willing to pay interest on that, but not on a {$5000.00} balance that was paid. 

I reached out to Chase to resolve the issue without CFPB 's involvement, but my request denied without any explanation. 

I am an XXXX # XXXX and now that they have done this a second time I am considering filing a unlawful business practices lawsuit under Business & Professions Code XXXX et seq. 

I also think Chase is engaging in this kind of behavior routinely of false interest charges and needs to be kept on a tighter leash. All documentation showing the payments were made is attached. The total interest charged was {$61.00} based on the {$5000.00} balance, which was paid. There was a {$310.00} balance on my statement and I was willing to pay the approximately {$5.00} on that, but now that Chase has made me to go to CFPB again for bogus charges I would like to pay no interest. 

More importantly other consumers need to be protected from these type of unlawful charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked XXXX XXXX and found a delinquency report from Plaza Services XXXXXXXX XXXX  in the amount of {$2000.00}. That debt does not belong to me. It is reporting incorrectly on my credit report. It need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card

When I applied for the care credit at the dental office, they did not inform me that there is a 6 months dead line and after that if I did n't pay the balance, I would have to pay a high interest rate@26.99 %. Everything was done online and I was never given a brochure or contract to read my terms. I called the care credit and they said it was up to the dental office to give me the term months on how long to pay. which that did not happen. I am unable to pay the {$410.00} that care credit is asking me to pay before the promotional expiration date. which is by XXXX/XXXX/2015. I would greatly appreciate if someone could please help me out on this. I feel this is so unfair.