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

Today, XX/XX/2020 at XXXX PST I purchased one item at Target. 
When I got to the register, the cashier asked me if I had a rewards card with them and I said I think so, but I didn't find it in my purse. She asked if I wanted a new one and if so I can get a 5 % discount on my purchase today so I said ok. She took me over to the customer service and asked for my Driver 's license so I gave it to her. I asked would she have to run my credit for any reason and she said no, absolutely not! After the " application was complete she told me that I have a {$40.00} gift card I can use right now or later. I don't shop there much so I said I'll use it now! 
Then she handed me the receipt and told me to use this when I shop until my card comes in the mail! The receipt says I had a line of credit for {$500.00}! I was livid! 
I reminded her that she said she did not run my credit! She apologized and said she didn't know my credit would be ran! I explained that I did not want any credit at this time! 
I went home and called their customer service number immediately, in fact it was literally 49minutes after the purchase occurred! I spoke to XXXX in credit services and he said he can clos the credit account since it was done in error, but to reverse the hard inquiry could take up to 60 days! I asked to speak to his supervisor. Ms. XXXX said she can't do anything about that. I explained that I used to be in mortgage lending and we did " rapid rescores '' with credit bureaus all the time! I pleaded with her to call XXXX, with whom they ran my credit, especially since this a same day transaction that occurred literally an hour ago! 
She also said she could only give me corporate 's address, no means to contact them by phone our email! I am in the process of selling my home and i need to use financing to make large purchases right now! I can not wait 60 days for my FICO to return to it's glory!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed emailed and had a telephone conversation with the Equifax Fraud department since I was a victim of the security breach and a victim of identity fact. Unfortunately each time since XX/XX/2018 Equifax refuses to block the fraudulent items after I have sent identity theft.gov police report and basically every piece of information theyve asked for. Equifax being the cause of my personal security being breached should have accountability and hold accountability to blocking fraudulent items and they refused to.
Product: Credit reporting or other personal consumer reports

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The problem is with the Freedom Mortgage Company. On XX/XX/22, I sent the updated final documents that followed the loan modification period and asked the company to put my account on Auto pay through my bank. I asked them to make the monthly mortgage payment directly from my checking account. I sent the updated final documents through XXXX, and the tracking # is XXXX. I called the Freedom Mortgage company twice, and the customer services agent informed me that Freedom Mortgage had received the updated final documents. I also asked the agent to report that I called twice, asking Freedom Mortgage to directly take the monthly mortgage payment from my checking account. The agents informed me that he had noted my request twice. 
Nothing has happened so far ; no feedback from Freedom Mortgage, and the company has not put my account through the auto pay from my bank so I can pay my monthly mortgage payment as agreed. 
I have been dealing with this issue for more than 6 months now. This is the second time the problem is happening, and I have paid twice for the notarization.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I have no clue why. I checked my report like I always do, but this time there were random discrepancies. I tried refreshing my browser to see if it was an error, but it wasn't. The unauthorized inquiries stayed even after I refreshed. Because of this, I request a thorough check of the documents I've sent so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX  ( XXXX ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Product: Debt collection

I got a few calls in the past from a company called WAKEFIELD & ASSOCIATES. I looked it up on the internet and found it as a SCAM alert. It said they would try to get your personal information in order to file a Debt collection against you.. They will act as if to verify your identity. This month I have on my credit report that I owe money to a vague company XXXX XXXX. I have not received any letters from them they also claim the debt was created XX/XX/year>. It also is said online that they collect medical debt. WELL I work for the insurance company that pays my medical bills. So it would be a big surprise to them to try and claim this. 

I have not given them any information or talked to them on the phone. I know that the government has lost everyone 's SS # I have not idea if they got it from the dark web or if they have it at all. I then looked up their name again and it popped up under XXXX forums that this company was dishonest. My worry is they will try to get a judgement against me in another state or something like this.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XXXX XXXX XXXX IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX XXXX. 
.
Product: Debt collection

After carefully assessing my recent credit report, I identified several accounts that seem incorrect and were added without my consent. Please ensure these fraudulent accounts are blocked and removed from my report.
Product: Debt collection

WAKEFIELD COLLECTION/CHARGEOFF Other {$81.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$81.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.
Product: Credit reporting or other personal consumer reports

I am a victim of Identify theft, and I've discovered unauthorized accounts and inquires on my credit report. This has caused me significant distress and put my financial future at risk. I am suffering punitive damages due to this identity theft, and pursuant to section 605B of the FCRA ; the fraudulent accounts must be removed immediately! I urgently request the assistance of the FTC to investigate and resolve this matter promptly. Your cooperation is appreciated. The remaining unauthorized accounts are : XXXX XXXX ( Account Number : XXXX | Amount : {$1900.00} | Discovered : XX/XX/XXXX ) XXXX XXXX ( Account Number : XXXX | Discovered : XX/XX/XXXXXXXX  ) The remaining unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have requested my payment history for loan entirety and still haven't heard or seen anything from Navient.
Product: Debt collection

I do owe money back to a phone carrier but they never mentioned I had rights nor did they sound professional. They never gave me the option to reject. No choices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The injuries and inaccurities remain on my credit unverified. XXXX continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of USPS priority postages that my disputes was indeed signed for. XXXX continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence on my credit report :
Product: Mortgage

Chase has caused so many delays for me getting the repairs of my home done. Last complaint I filed with CFPB Chase said when the 75 % inspection was complete the next installment of fund for repairs would be sent. The 75 % inspection report was complete on XXXX Chase 's policy is that funds will be send 4 business days. XXXX XXXX was the 4 business days and as of today XXXX XXXX no payment has been sent. I did ask all correspondence to be in writing from Chase I have emailed them asking when the funds will be send since the 75 % inspection has been completed and my contractor is waiting on funds. Chase replied to my last complaint they would send out fund - but they do n't do what they state they will do.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the accounts that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the banks and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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

On XX/XX/XXXX I found an unauthorized inquiry on my credit report. On XX/XX/XXXX I mailed a letter to dispute inquiry with Discover, however I never received a response.
Product: Consumer Loan

GOOD AFTERNOON, I SEND YOU A WHOLE PACKAGE, AND ALSO ATTY. GENERAL XXXX REFER THE CASE TO YOU. PLEASE CALL ME AS SOON AS YOU RECEIVE MY PACKAGE. I TOOK A TITLE LOAN, OVERPAID AND PAID IT 6 MONTHS IN ADVANCE AND REPOSSESSED MY VECHICLE.THESE COMPANY HAS A LOT OF CRIMINAL CASES.  PLEASE CALL ME OR EMAIL ME ASAP. THANK YOU FOR YOUR ATTENTION.

RESPECFULLY YOURS,
XXXX
XXXX
Product: Debt collection

I dont know how this on my bill n I did not put it but I will pay sum of it to get it off
Product: Debt collection

Debt collector and company continues to collect debt that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 
XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Theres a few accounts that arent accurate and Im not getting my accurate credit score and I would for you to remove them asap! Its getting in the way of my young life. And I cant do things freely and sigh up for things! Its not ok for you guys to disregard/ignore disputes.
Product: Credit reporting or other personal consumer reports

I was at XXXX XXXX  and lost my wallet 15usc1681ge
Product: Mortgage

Loan XXXX I lost my job in XXXX as a pilot and the renter has not paid rent since XX/XX/XXXX. I requested a forbearance in XXXX XXXX and charged a late fee of {$80.00}. 

XX/XX/XXXX - I received a letter that foreclosure proceedings will commence XX/XX/XXXX. 

XX/XX/XXXX - I made the XX/XX/XXXX payment after being reactivated at my job with the CARES ACT 2. 

XX/XX/XXXX - I received a letter approving the forbearance from XXXX, XXXX, XXXX, XXXX. 

XX/XX/XXXX - I received a letter notification about a trial period plan beginning XX/XX/XXXX. The plan has a new payment address which is also DECEPTIVE THAT YOU CHANGED IT and my payment increased from my original payment. 

I called HomePoint Financial and they stated that this was a modification package and that the modification would include a rate increase that was not disclosed in this package. This is an UNFAIR, DECEPTIVE, ABUSIVE, ACT & PRACTICE. Why would you send a modification package without disclosing the interest rate change? 

XX/XX/XXXX - Made another payment I'm requesting that my missed payments are moved to the end of the loan. This is a deceptive practice to request that a customer pay a higher amount without disclosing that this is a modification and that the rate will increase when the interest rates are at historic low rates. In that case you should refinance my VA loan at 2.25 rate that it is today. 

I don't check my email and requesting a written response to my home address : XXXX XXXX XXXX XXXX, AZ XXXX Please help. 

XXXX XXXX XXXX
Product: Debt collection

Chase Cardmember Services continues to mail what appears to be debt collection letters to a former resident at my address. I am the sole resident at my address and do not know the person these letters are addressed to. Since I've consistently received these letters over the last 2 years, there's no evidence that the person has set up USPS mail forwarding. Thus, there is no reasonable expectation that mailing my address will ever be able to reach the addressee. I have clearly communicated this to Chase, but they continue sending these letters. At this point, I consider them to be harassing me and want the letters to stop. 


I believe I've been receiving a pair of letters approximately every 40 days ever since I took up residence at my current address in XXXX of XXXX. Since I started recording in XX/XX/XXXX, I've received these letters on XXXX XXXX XXXX XXXX XXXX, and XXXX. 


For the first instances, I marked the unopened envelopes as " not at this address '' and returned them to the USPS. Since they were sent with First Class postage, USPS should have returned these to Chase 's return address in XXXXXXXX XXXX. I have no records of how many I sent back, but extrapolating on other data, it's likely I sent back 16 letters this way. 


Starting in XXXX of XXXX, I reached out to Chase customer service via XXXX informing them of the situation and requesting the letters stop. In total, I contacted them 4 times on XXXX XXXX, XXXX, and XXXX 


Two separate times I visited the local Chase branch and handed over one of the unopened letters ( marked with " not at this address '' ), verbally describing the situation and requesting them to get the letters to stop. One of those was XXXX and the other one I'm unable to find my record of. 


On XX/XX/XXXX, I sent a formal request via Certified Mail, which was confirmed delivered by USPS on XXXX. In this letter, I stated that continuation of the mailings would be considered harassment. After the 60 day grace period, I continue to receive these mailings.
Product: Checking or savings account

On XX/XX/2018 I called Ally Financial and spoke to a representative about an advertised offer that provided for a {$1200.00} cash bonus for opening a new account with {$500000.00} or more. I inquired as to whether the combination of my two accounts, an IRA and a Roth IRA, would qualify, since the combined value was well over the threshold. I was told that the combined value would be considered. I opened the two accounts and transferred securities. Ally calculated the bonus 60 days later and gave me a bonus of {$600.00} in one account and {$300.00} in the second account. When I called to inquire of this discrepancy, I was told that the two account values were  considered separately and that they would not give me the full {$1200.00}. I would like for Ally to fulfill their commitment of a {$1200.00} new account bonus. 

I've attached my call log showing the date and time I called from XXXX. A review of this phone call should confirm my conversation.
Product: Checking or savings account

Today, XX/XX/2022, we contacted Regions Bank in regards to a {$72.00} over draft fee that hit our account this morning. We didn't understand how we received the fee because we had {$8.00} left in our account. I checked our account at XXXXXXXX XXXX and also at XXXX XXXX The amount never changed, until we checked our account at XXXX XXXX  It showed our account was - {$180.00}. When looking deeper into the issue, it looked as though Regions moved some transactions around to cause our account to be in the negative. The way that the purchases are listed, it's showing that we've made pin purchases while in the negative. How is that possible? Regions never authorizes a pin purchase if your accout is already in the negative. We informed the representative of this information and they were no help at all. They couldn't give us a valid reason for charging multiple overdraft fees. The representative stated maybe we were not looking at the available balance properly. Even though when you login online it shows you the available balance and the amount be held directly at the top. You can't miss it! When a pin purchase is made, that money is instantly taken away from the available balance. The representative never acknowledged our statements and constantly stated that they were not giving our overdraft fees back. The rep even stated that our fees were caused by a fast food purchase ( XXXX purchased on Saturday, XX/XX/2022 ). We downloaded the overdraft fee document from the website and it shows two pin purchase. XXXX purchase was in the amount of {$44.00} ( XXXX ) and the other is for {$4.00} ( XXXX ). The representative avoid telling us this information and absolutely nothing was resolved. Of course a situation like this has happened before with Regions, a representative stated that we can not go by the transactions listed online because they are incorrect. That we needed to keep track of our own transactions to make sure we up with our available amount. That was a very shocking yet confusing statement! Why would I need to have an online accout if everything is constantly incorrect. Everything they've said and done to justify why they are constantly taking money from us doesn't make sense. We've grown very tired of Regions Bank and all of their excuses. Especially the terrible customer service.