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

I signed up for a XXXX account which was supposed to provide me with what I thought was a {$30000.00} line of credit. I never received the funds and were mistaken so I requested that the account be closed back to inception, I am also unable to get a refund for the payments made. However, this company as XXXX XXXX is reporting different payment information across the XXXX major credit bureaus and I have done several disputes asking them to remove the negative payment history from my credit report. They are reporting XXXX late payments to XXXX, XXXX late payments on XXXX and XXXX payments on Experian. I am asking that this account be removed from my credit report as they are in direct violation of the FRCA as Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. I am asking that this account please be removed from my credit report. The same source should not be reporting different information across the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Product: Credit reporting or other personal consumer reports

This is my second follow-up regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX account ( Acct # : XXXX ) on my credit report. Despite my previous dispute, the inconsistencies and errors remain unresolved.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for dispute : As a victim of identity theft, this account is not mine. I never received any communication or welcome letter from this creditor. I am entitled to verification proof of this account, which I have not received. 

This account is fraudulent and not associated with me. I have filed a police report regarding identity theft and request immediate investigation and removal of this item from my credit report. 

I am aware that you are required by law to notify me of the results of your investigation within 15 days and provide me with an updated copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to you all about a car on my credit that is not mine. XXXX and Transunion said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with a Lane Bryant open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for Lane Bryant and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards community Bank has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Without consent.

15 U.S. Code 1681q - Obtaining information under false pretenses An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach at Credit reporting agency 's
Product: Bank account or service

I deposited XXXX of XXXX checks on XXXX XXXX. The check that I am writing about more specifically was the one which contained the funds left from my retirement fund. I was automatically mailed the check by the retirement fund management company after I know longer had my job. As I understood it, I needed to deposit the check to access my retirement funds and I did not believe I had a choice of keeping the retirement account as I am no longer employed. Unfortunately, I temporarily misplaced my check after I received it in the mail XX/XX/XXXX. When I was organizing and sorting through papers on XXXX XXXX, 2016, I found the check. As I wanted to have access to the funds previously in my retirement account I immediately proceeded to deposit the check along with another check issued in XX/XX/XXXX. I believed nothing to be fraudulent about the checks I deposited, at least on my end, and all I intended to do was access the funds as a balance to my checking account. I deposited the check at a consumer bank d.b.a. Chase, a division of the financial company JPMorgan Chase, at a location in XXXX, California where I signed the check and furnished it to the bank teller at the branch.The check I deposited from my retirement account, in the amount of {$19.00} was accepted by the teller and in my account information, it appears to be accepted and then rejected with a {$12.00} debit administered, in additional to the rejection of the funds in the amount of {$19.00}. Unfortunately, as I am not a business, I do not believe I have the ability to levy a fee to the retirement fund company in the amount assessed by the JP Morgan Chase consumer banking division Chase, in the amount of {$12.00}. I can not afford to pay this fee and the main reason I bank at Chase is because of the lack of fees assessed to my account as opposed to some competing national banks including XXXX XXXX and XXXX XXXX XXXX. As a consumer banking product for myself, I need checking account services which agree with my spending patterns. I really hope I was not provided with a fraudulent check, or one having insufficient funds.
Product: Credit reporting or other personal consumer reports

I am speechless. Errors on my credit report are damaging my credit reputation. Experian is in violation of the FCRA by reporting these inaccurate records.
Product: Debt collection

I want to file a formal complaint against Midland Credit Management for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Midland Credit Management placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of this debt. 
I hereby declare my revocation of all communication channels with Midland Credit Management including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report XX/XX/2024. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Midland Credit Management on XX/XX/2024 is blatantly false. I neither received any services or products from Midland Credit Management nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
Midland Credit Management is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
Midland Credit Management has not provided me with validation information under XXXX CFR XXXX ( b ) ( XXXX ) but yet they placed a collection account on my credit report. 
Midland Credit Management has not given me a chance to dispute accounts according to XXXX XXXX XXXX ( c ) ( XXXX ) ( I ) Midland Credit Management is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means. 
Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law. 
The actions of Midland Credit Management constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( XXXX ) ( i ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). 
I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions
Product: Mortgage

I was assigned a " Home Preservation Specialist '' by Wellsfargo. During our initial meeting, I mentioned I had been sent a letter from Wells Fargo about being automatically given the option to take the FHA standalone partial claim option, which takes the missed portion and lumps it at the end interest-free, so you aren't paying interest on that extra amount that was missed which helps save a LOT of interest over the life of the loan. 
I was curious to see what the loan modification option was and how low the payments would be, but she said in order to see the loan modification, I had to turn down the standalone partial claim option, The thing she failed to mention was that apparently you all have a rule that once you turn down an option you can't go back to said option, which was not communicated by your associate or mentioned anywhere in the documentation provided. 

And trust me. 

I've saved it all. 

The Mortgage Counselor then called a few weeks later with an update about the loan modification, that they were almost done but she had the initial numbers for me and listed them off. I wasn't really impressed with the new numbers so asked to just take the standalone partial claim offer and THAT is when she decided finally tell me " Oh ... ... .you already turned that down, you can't go back to that option now. Once you turn it down it's gone. '' That's not in writing ANYWHERE ON THE INTERNET that I can find about not being able to go back with that option, and I figure this is Wells Fargo putting in place a rule because the loan modifications are in their favor and the partial claims are not. 
I have a 30 year fixed FHA loan, XXXX at 4.5 %, They offered me to lump all the missed payments into the loan so like XXXX at 3.875 % over 40 years, which tacks on about XXXX worth of interest over the life of the mortgage. 
This is just a way to milk way more interest from consumers knowing statistically most consumers only pay the minimum. Luckily, I do not, but yea, I want the FHA partial claim offer I was originally offered and legally you can NOT offer it to me because your associate forgot to do part of her job and inform me that once turned down you can't go back. which ... .again ... .is a rule you all made up. 

My loan number is XXXX, My Housing preservation specialist 's name is XXXX XXXX. I've filed a complaint with the FHA as well and will be approaching media outlets with the story within the next few weeks to start finding others who've been harmed by this rule.
Product: Debt collection

I lived in XXXX  at the time and my child was on state XXXX. We were visiting my aunt in XXXXXXXX XXXX and my daughter got sick. I called XXXX XXXX  to see if they accepted her insurance they said they accept all insurances. Next thing I know I have them sending me to collections. This happened barely a year ago. Im in the process of buying a house. Under contract right now then this shows up on my credit report! The bill is {$520.00}. The collection group is XXXX XXXX. My daughter had insurance this should not be a debt! Please help asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I noticed an account that is not mine on my credit report for transunion and XXXX. I contacted both and disputed the account as well as sent them an ID theft report. They some how verified the account. I need these fraudulent accounts removed from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on  XXXX  and my truck is financed with Chase. This payment is being paid by  XXXX  insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When Chase received the payments to catch it up, they applied one paym ent (  XX/XX/XXXX  ) to the loan and the credit bureau is still showing that the  XX/XX/XXXX  and  XX/XX/XXXX  paym ent are past due. We have no idea what Chase did with our payment and they wo n't fix or tell the credit bureau that we are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I contacted by phone XXXX XXXX Business Customer Service to inquire into possible switching to another cell phone plan ( that was less expensive ) and/or switching to a regular XXXX account from a Business Account. After 1hr and 40 min on the phone with both a representative from the business and consumer side of XXXX ( we were on the call together via conference call ) they informed me that switching to a new plan on the regular consumer side would be far less expensive. The representative than patched in a representative from their " transfer department '' that asked for my permission to transfer my account. I specifically asked if they would be doing a hard inquiry to my credit report and added that I did not authorize ( and would not authorize ) a hard inquiry as I know this impacts my credit score negatively. I was reassured that this was for " internal use only '' and they would not do a hard inquiry. Soon after my cell phone went dead and the phone call was disconnected. Within 5 minutes of this phone call ending I got a credit alert from XXXX XXXX ( via email ) telling, e that XXXX XXXX just did a hard inquiry on my credit. This should be illegal! At no time did I verbally authorized this! I'm sure this phone call was recorded and somebody should listen to this call and not only remove this hard inquiry but make sure that company procedures are changed to eliminate this from happening to other consumers. I plan on exercising my rights to the fullest extent of the law ( including obtaining legal counsel if required ) if this is not corrected immediately. If XXXX is claiming they had the legal right to do so I would expect that they provide me with the proof ( that doesn't exist ) that I authorized this hard inquiry.
Product: Credit card

Dear Sir or Madam : I am a victim of identity theft. Someone ( I have no idea who ), opened a Capital One credit card account using my identity back in XX/XX/2023, with {$1000.00} credit limit. Capital One has since closed the account due to non-payment. This account does not belong to me. Whomever this individual is, is located on OKLAHOMA. I was born and still reside in XXXX, XXXX, and I have never been to Oklahoma a day in my life. I have contacted Capital One and all the credit bureaus, sent in documentation and proof that it was not me, however, Capital is insisting on keeping this card on my credit profile. This is unfair, because this debt does NOT belong to me. Capital One has reported two late payments which has dropped my credit score significantly. PLEASE HELP ME! 
This account still remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.
Product: Checking or savings account

I don't even know at this poimt why i have several hundreds of dollars of fees from chase bank that are absurdly high. The initial overdrafted balance is no where close to the constant hundreds of dollars of fees being charged to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the three ( 3 ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is southwest credit System, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fico Score was from XXXX to XXXX penalized by 47 points? Transunion will not EXPLAIN to me why I'm being penalized for being a financially responsible consumer?? 
Please investigate For several months my Fico Score stayed the same at XXXX each month never changing? for several months XXXX & added a 1 POINT to increase XXXX. After my credit score reaches XXXX, my score was decreased by 47 points? 

Please review my uploads & see the 1 POINT increase in my fico score from XXXX to XXXX? There is something FISHY going on with my Fico score & credit score??
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX for 42 months on XX/XX/XXXX and it was financed at the dealership by US Bank. 

My lease was due to expire on XX/XX/XXXX so in XX/XX/XXXX I reached out to US Bank to purchase the vehicle. 

I executed documents to finance the purchase directly with US Bank. The loan was approved and my monthly payments began on XX/XX/XXXX. The payments have been deducted monthly since that date. 

Since the purchase of my lease in XX/XX/XXXX, US Bank has not delivered to me the vehicles title, an authorization letter for DMV, and a check to pay the sales tax that they collected. These are the items that I need to transfer ownership to myself and register the vehicle in my name. As a result, I have not been able to drive my vehicle since the registration expired at the end of XX/XX/XXXX. 

US Bank states that they mailed me the title, document, and check on XX/XX/XXXX, but I never received them. I inquired to US Bank about obtaining a duplicate title, letter, and check. A representative from US Bank told me that they would obtain a replacement title from NJ DMV and send everything to me again but it will take 60 days. 

After 60 days I reached out to US Bank again to check on the status of the title replacement. I called every few days since the end of XXXX to try and find an answer. I always spend a lot of time on hold, I am never able to speak with the same person, I am constantly transferred and disconnected. About a week ago a US Bank representative said they would send the documents to me by overnight mail. I never received anything. 

Finally, on XX/XX/XXXX I was told by another US Bank representative that replacing the title was now my responsibility. I needed to mail them a {$95.00} title replacement fee and wait for another 60 days while they secured a copy from NJ DMV. At this point, I really dont trust US Bank because they never keep their commitments. In the meantime, I am making loan and insurance payments on a vehicle that I can not register or drive. I mailed the check on XX/XX/XXXX and US Bank confirmed that received the check on XX/XX/XXXX. 

After the holidays, on XX/XX/XXXX I called NJ DMV and asked if they had received a request to process a duplicate title on behalf of US Bank. I was told immediately that they see nothing in their system for my VIN number and that they are backed up with precessing requests from XXXX. 

I need your assistance to have US Bank deliver a replacement title, authorization letter and necessary documents so I can register and drive the vehicle that I purchased.