23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NO ACCOUNT OR WET INK ASSIGNED AGREEMENT TO ATTEMPT TO COLLECT ANY DEBT I DO NOT OWE.
Product: Credit card or prepaid card

Several times a year I get notified by Chase that they can't access my credit report to authorize my XXXX XXXX XXXX because my reporting agency is frozen. It is frozen because they tried to issue a fraudulent card in the past. I can't get them to quit accepting applications in my name. I will never do business with Chase resulting from this issue, ever! 

They keep telling me they can only send me those notices because they would be preventing anyone else with my name from applying. I'm the only one in XXXX CO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry 3 times on my credit report. Company said I wouldnt see inquiries on my credit report
Product: Checking or savings account

I closed my checking and savings account with BMO ( formerly Bank of the West ) in XX/XX/2023. I closed the accounts in good standing and was suprised that I recently received a notification of fees of {$45.00} for my checking and {$250.00} for my savings account. I have tried to call the customer service number but do not get any clear answers what these fees are for. I have limited mobility so I have yet to go to a branch but since becoming BMO most of the local branches are several miles away. At the time of closing the accounts I was told everything was squared up by the bank teller. This is confusing and frustrating.
Product: Credit card or prepaid card

i had an XXXX XXXX bank credit card tbat i closed out due to high interest. i had paid off the full balanced via the XXXX statement due on the XX/XX/XXXX. The psyment was processed on the XXXX. Benounced to me there was interest still accruing up to the date of payment and received a statement. i believe this is misleading and unfair practice. payment in full was made before the period ending. so, i called in to ask about a possible waiver due to only interest accrued and they would not consider indicating it is fair practice due to this being a revolving line. why provide payoff on the statement if you are going to have interest accrued daily. you might as well indicate to call in for true payoff. i understand if i had a cash advance. i feel this bank is taking advantage and making money off of their customers indicating we should payoff our statement the day the statement is generated to avoid any fees ... ..Wrong perception provided to customer ... .XXXX XXXX is a good bank but the bank they work with to handle their credit cards are crooks ... XXXX XXXX ... ... ... they would not waive the fee indicating it was fairly charged????? the account was paid off and closed ... ..and no fee waiver in the past ... XXXX what is {$39.00} snd they quote it cant due to fairly assessed. ... ..not if the statement amount is paid off before the due date. why provide due dates if this is the csse. you should jist indicate on your statement tp avoid fc pay the statement in full on your cycle date to avoid fees ... ..unfair practice ripping off customers ... ..high interest and then rip off customers with finance charges ... ... fdic should look i to this
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXX XXXX. XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of Arizona. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in Arizona constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX. XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX XXXX XXXX. XXXX account. 

Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX. XXXX is not licensed to collect in Arizona. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona Attorney Generals office.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I have found a XXXX Hard Inquiry on both my XXXX reports from XXXX XXXX 2015. After research I found the originator of these inquiries from PayPal in which I did not apply. XXXX causing damage to my credit reports and score. With all the investigations and ongoing complaints regarding PayPal and it 's credit methods and problems I most certainly would not involve myself with PayPal credit. I am not sure if this was a mistake or fraudulent activity. But I have noticed other forums or internet sites stating around the same time or even earlier in XXXX similar occurrences. They state the industry standard for even handling a dispute of this nature is 60 days in which I myself rarely have had to dispute any discrepancies but found most companies to handle or correct the situation promptly. Generally resolving issues within just weeks. I also feel this practice of PayPal with their odd processes and systems in which PayPal themselves have recently been held accountable for should have a better system in place to handle and correct the many situations or discrepancies many have been having with PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public records items below were " deleted '' from my report. The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ... 

PUBLIC FILINGS US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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

ACCORDING TO 15 USC 1681I - 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE XXXX, XXXX, EQUIFAX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Product: Debt collection

Rented a car from XXXX XXXX, XXXX. Returned the car per contract, paid the bill in full. XXXX, XXXX they claim I owe them for a tire. I disputed the debt and asked for an explanation. They did not respond. I disputed the charge on my credit card and won the dispute. 

XXXX, XXXX I receive a collection letter from Viking Client Services out of XXXXXXXX XXXX demanding payment of {$120.00} for an XXXX XXXX XXXX XXXX' for a rental that occurred XX/XX/XXXX. 

Trying to charge me for a tire on a rental car more than 6 months after the rental is absurd. Sending the debt to a collection agency is even worse. I do not owe them anything, they were paid in full and the car was turned in without issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Fed Loans, as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to have the following accounts removed as they should not be on my report anymore : XXXX XXXX XXXX XXXX XXXX XXXX Nothing was done.
Product: Debt collection

AMERICOLLECT INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND AMERICOLLECT INC IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. AMERICOLLECT INC is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!
Product: Credit reporting or other personal consumer reports

I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. XXXX claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from XXXX. XXXX put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, XXXX has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. XXXX has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect and inaccurate information on my credit report with XXXX, XXXX and Transunion such as a extended 90 days and active Fraud Alerts.
Also there is twenty nine unauthorize hard inquiries on my XXXX, Transunion and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my XXXX, XXXX and Transunion credit reports.
The list are as follow.
1.XXXX Hard Inquiries 1.XXXX.Dated XX/XX/XXXX.XXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXXDated XX/XX/XXXX 3.XXXX XXXX XXXX.DatedXX/XX/XXXX.XXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.Transunion Hard Inquiries 1XXXX XXXXXXXXDated XX/XX/XXXX 2.XXXX XXXX.DatedXX/XX/XXXX 3.XXXX XXXX XXXX  .Dated, XX/XX/XXXX 4XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX.XX/XX/XXXX 9XXXX XXXX XXXX.DatedXX/XX/XXXX 10. XXXX  XX/XX/XXXX-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX3XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4.XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXX XXXX.Dated XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 11.XXXX XXXX XXXX.DatedXX/XX/XXXX 12.XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14.XXXX XXXX # XXXX Dated XX/XX/XXXX15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with XXXX, Transunion, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.
Product: Consumer Loan

At the time of my purchase I was asked to give XXXX personal references in the event I was unavailable for a phone call. I was told that they would only leave name and a phone number. My finance company have been ask by me on XXXX different occasions not to disclose my personal information to my references. Today, XXXX XXXX, 2016 I was contacted by XXXX of my references stating Coastal Credit LLC, representative XXXX XXXX contact them disclosing that I was delinquent on my vehicle loan payment and my vehicle was subject to repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

Know that the following inquiry was not authorized. I have not reached out to to this company nor inquired about anything. There must be something wrong with TransUnion 's investigation which they should eventually correct. Please see the inquiry that isb unfamiliar to me. 
XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Vehicle loan or lease

This car was put in my name without my knowledge. I eventually took possession and sold car but the debt has remained. 

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Product: Mortgage

Follow up on numerous occasions over the last 6 weeks. Every call resulted in representatives indicating they were trying to reach supervisors XXXX and/or XXXX ( or an Escalation Dept. representative ) who we initially spoke to in early XX/XX/XXXX regarding the approval and of late charge reversal and reimbursement. Every call initiated to Selene resulted in us being put on hold multiple times and up to 10 minutes each time. Representatives, who we have spoken to over the last several weeks include XXXX, XXXX, and XXXX as well as many others. Each representative indicated that all of our present and past telephone calls have been documented and recorded. 

On one call in early XX/XX/XXXX, Supervisor XXXX asked for our correct checking account number and routing number and gave her word that she would contact us back once approved XXXX indicated that given the circumstances leading up to our dialogue with her, this approval this should not be an issue. She empathized and apologized for the IVR payment process and not hearing the correct information to process our mortgage payment made on XX/XX/XXXX. We felt confident that XXXX would follow up with us directly to resolve this escalated matter. To date, there has been no management follow up whatsoever nor have we received late charge reimbursement or even proof of approval of late charge reversal along with documentation of no adverse credit impact. Given the extreme amount of calls we have initiated to Selene Finance regarding this matter, we are now hereby requesting written documentation of the late charge reversal and no adverse credit reporting. Likewise, we would like to know specifically when the reimbursement of the {$200.00} ( late fee ) will be reflected in our checking account. 

Thank you.
Product: Credit reporting

I got a judgment on my credit report that said satisfied I have not paid it in full they have 15 days to tell the court they have not done so I will half to fax you the paper work my credit report shows XXXX that is not right thanks
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX while I was asleep hacked into my chime account ( not been made clear how this was possible ). Then made a transfer of {$3200.00} from my savings to my checking account and then transferred {$3200.00} into another users account using the pay friends feature that user is XXXX. Once I found out I had been hacked around XXXX the same day I changed my account information completely and I attempted to contact and dispute the charge and they denied it instantly every attempt to call is met with the same rehearsed lines of we understand and our investigations team is working on it. Im honestly not sure as to how my account could have been hacked as Ive been a member of chime for a bit over a year and nothing like this has ever happened before. I have a text that I received the next morning that my number was changed on the account to a number that Ive never seen before and when I sent that to them they said it was not sufficient. I will upload that screenshot as well as other screenshots of the transactions and the user. I just would like to get my money back I worked really hard to save it up. The customer service team at chime was nice overall but not very helpful and didnt offer me much peace of mind that I would be getting my money back. My account was compromised and I think they are under the impression that I made a purchase. Any assistance with my issue you could provide will be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( XXXXx, Experian and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX Report to Experian, XXXX and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from XXXX stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

I've tried on several occasions to dispute inaccurate credit reporting and even credit accounts that were not mine and closed accounts that were still on my credit report I received the very negative response from experience stating that they investigated and I was wrong and these debts are valid which they're not