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

I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my XXXX  credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}
Product: Debt collection

This account was closed before XXXX 2016. This account was re-opened XXXX 2016 and not giving me accurate information to contact the creditor. Every time I call, I get nothing ; no office hours, no chance of leaving a voicemail and emails are not working either.
Product: Debt collection

GoodLeap is the underwriter for my solar loan. 
XXXX was installed by XXXX. XXXX stated in guarantees that GoodLeap would make sure system was working properly, etc, through the duration of the loan. XXXX then went bankrupt, yet continues to do business with GoodLeap under the new company structure. 
Solar system failed, and I've done everything to get it operational properly again. 
Once I discovered the failure, I contacted GoodLeap to tell them of the issues and they said they'd suspend payments until it was fixed, that they'd let collections know as well. 
Despite several documented requests that they stop contacting me, GoodLeap collections continues to call me several times daily requesting payment. They also raised my interest rate, though there was nothing about my rate ever being raised in the initial disclosures I signed. They have acknowledged that they need to do things on their end to make this right, but despite several return calls and voicemails, their relationship XXXX has not called back nor made any attempts to resolve this in any way. 
GoodLeap collections called me today, XX/XX/23 at XXXX MST, and even though I started off telling her that they're to cease harassment until this is resolved, she threatened to make negative remarks on my credit report if I didn't make payment arrangements right away. I reiterated to her not to contact me again until they have a proper resolution and then promptly terminated the phone call. 
GoodLeap has a history of complaints from the XXXX  as well as the XXXX XXXX XXXX 
I believe they've violated the Fair Debt Collections Practices Act in several ways with many consumers. This needs to stop
Product: Mortgage

I canceled my PMI effective XXXX. I received a letter from Well 's Fargo stating PMI was canceled. Well 's Fargo continued to charge me for PMI from my escrow account. They have taken 11 payments after the cancelation.
Product: Credit card

On XX/XX/2023, I ordered an 18TB external hard drive from XXXX XXXX XXXX online website. The total for my order was {$270.00} and it was paid for using my Chase Sapphire Reserve credit card. The hard drive was delivered a few days later when I was out of town, so I had my friend unbox it and plug it in to make sure it worked. What we found was that the drive wouldn't be recognized by the PC and a bunch of error messages popped up. The drive enclosure also looked off, with some of the ports not lined up properly. I have timestamped text threads and pictures from when the drive was first unboxed supporting the drive not working. Seeing this, I returned the drive to XXXX XXXX and was assured by their customer service that I would receive a refund ( chat transcript is attached ). 

When I hadn't received a refund even 4-5 weeks after XXXX XXXX confirmed they had received the return, I opened a dispute with Chase who refunded my money temporarily while they investigated the issue. 

A few months later, on XX/XX/2023, I noticed that I had received a package from XXXX XXXX in the mail. In it was the hard drive I had returned, along with a note saying they couldn't accept the return since it wasn't the hard drive I had ordered. Since I had returned exactly what XXXX XXXX had shipped to me in the first place, it seems that XXXX XXXX themselves had shipped me the wrong hard drive that had probably been tampered with previously. Since it wasn't recognized by my PC when I tried to use it, I had no way of knowing it was the wrong drive and just thought it was a defective drive. 

I checked my Chase credit card statement and noticed that Chase had charged me {$270.00} for the drive, overriding the interim refund they had issued me while investigating the dispute. I spoke to Chase 's dispute department a total of 2 times between XX/XX/XXXX and XXXX, and was told that XXXX XXXX had informed Chase that they'd received the wrong return so they couldn't issue a refund. Chase then closed the dispute in XXXX XXXX 's favor. I told Chase I had proof in the form of a text thread with my roommate who tried out the defective drive, pictures of error messages, and a chat transcript with XXXX XXXX customer service saying that I would be refunded. Chase refused to consider this information and said they couldn't reopen the dispute. 

I then emailed XXXX XXXX 's executive customer service team and asked for help getting a refund. The response I got was that to receive a refund, the product being returned had to match the product that was ordered. There was no consideration given to the fact that the returned product didn't match the ordered product since I had received the wrong product from XXXX XXXX in the first place ( email transcript included in attachments ).
Product: Credit reporting or other personal consumer reports

Inquiries listed on my credit report that I did not consent to : Names : XXXX XXXX INQUIRY DATE XX/XX/year> XXXX XXXX INQUIRY DATEXXXX XXXX XXXX INQUIRY DATE XX/XX/year> XXXX XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.
Product: Debt collection

In XXXX, I received a letter in the mail from a company named Ad Astra Recovery Services. The letter had my name XXXX XXXX on the letter. I opened the letter and it stated that this comp was telling me that I owed an amount XXXX cent. The letter also advised that I had owed the money to Speedy Cash. I did not know who Speedy Cash was nor who Ad Astra Recovery Services was. The letter specified a file # XXXX and reflected the date of loan as XX/XX/XXXX. I told my husband about the letter and he asked when the loan was opened and how it was opened, He then said how were you able to open a loan with them When you were in the hospital the week that this loan was opened up.The letter had the last four of my social security number. The loan number was XXXX, the original creditor Speedy Cash was located at XXXX XXXX XXXX XXXX. XXXX, MO XXXX.Over the past few months I submitted numerous disputes to Ad Astra Recovery Services . I asked for verification of me owning this account, Ad Astra R ecovery Services sent documentation that I requersted with verification of me owning this account. They sent information that was not accurate as it pertained to me, and where I lived. I was advised the account was opened online with my personal information. Such as my DOB, last four of my social security number. I disputed the account, and advised Ad Astra Recovery Services that the account was not mines. I called Ad Astra sme time later after rhey refused to remove the account off my credit file. It was at this timed I found out that the account was opened online with my personal information. I tole them that the day the account was opened, I had been in the hospital the week of the XXXX, XXXXXXXX. And there was no way that I could have opened the account. Cause I was XXXX XXXX XXXX  XXXX XXXX, and would not have been able to open the account. I also was made aware of the address on the account did not match where Iived. The address on the account was XXXX XXXX XXXX XXXX, Texas XXXX. This address was not my address, My address was XXXX XXXX XXXX XXXX, Texas XXXX Who ever opned the account gave a partial of my address, leaving the city XXXX XXXX Texas off. But gave the address as being in XXXX, Texas XXXX, which I have never heard opf before. Over the last four years I have attempted to get this remeoved, it got to the point I just got tired of dealing with it. I became very frustrated with dealing with Ad Astra Recovery Services, I requested copies of signatures, even electronic signature. Thery could not provide any pictured ID, of my drivers license. Even though they said they said they had my drivers license. This account over the years has effected my credit directly. The date that shows when the account was opened. On my credit reports it reflects the loan date as XX/XX/XXXXXXXX, but on documentation sent to me it shows the a date of XX/XX/XXXXXXXX. So, there are two different dates on when the account was opened..,
Product: Debt collection

I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports.
Product: Checking or savings account

On XX/XX/2022, I was notified via the Ally Bank mobile app that a large transaction totaling {$470.00} was made on my personal checking account via my debit card for an online purchase. I do not carry my debit cards and use them only for ATMs. When I'm not expressly going to an ATM, they're locked in a safe. Immediately I went into Ally 's mobile app and locked both of my debit cards. I called Ally and waited on the phone for approximately an hour and a half that evening to report the fraudulent charge. After reporting, I was told that an investigation would be opened into the charge and a resolution would be reached within 10 business days. 

New debit cards were sent. Following receipt of the new cards, fraudulent charges are still being attempted, but declined since I've locked the cards down in the mobile app. I reached out again via secure internal email on XX/XX/2022 for an update, but the message remains unanswered. 

I called again today, XX/XX/2022, XXXX business days later, to check in on the status of the funds being returned and found that the first representative had never actually initiated a dispute, so no action was taken. The representative I spoke with today, XXXX, has told me it's now disputed, however it'll take another 10 business days for a possible resolution, which was very frustrating. Ally could not tell me how the cards were compromised or how they continue to be hit with attempted transactions on the brand new cards, but judging from a look online, this is a recent widespread event impacting hundreds of people under the same circumstances with Ally.
Product: Debt collection

I have 2 collection accounts with National Credit System, which was placed by XXXX XXXX. 
First account is for {$2500.00}, and the date of last payment was XX/XX/XXXX. However, they are claiming the date of last payment is XX/XX/XXXX. This is incorrect. Also, they are reporting that the date of first delinquency is XX/XX/XXXX, it should be XX/XX/XXXX. 
The second account is for {$500.00}, and they are saying I never paid it when I provided a ledger of all activity while I lived at XXXX. I had to pay {$500.00} for a sure deposit before I could move in, and it is on the ledger that I paid the {$500.00} on XX/XX/XXXX. I have submitted numerous disputes with XXXX, and I provided the ledger with all information w my disputes. 
XXXX  keeps coming back that they contacted National Credit Systems, and XXXX  will not remove the 2 collection accounts when I am providing them with the information of my ledger and all payment activity. XXXX   keeps saying that National Credit Systems is providing them with the information that the data they have is correct, and it isnt correct! XXXX   will not use the ledger I am providing to them, and they are going with what National Credit Systems says. 
I would like to file formal complaints against XXXX  for not using the ledger that shows the actual information, and I would like to file formal complaints against National Credit Systems for the 2 collection accounts that they are saying I owe with false date of first delinquency dates along with last payment made as false. 
Im providing the actual information, and XXXX  wont do anything to correct/delete the accounts from my credit report.
Product: Checking or savings account

On XX/XX/year> I received a chime debit card with my name on it and never applied for or provided my information to chime or stride bank to open an account with my information or name. When I called and spoke to the customer service representative he asked me to verify information on the account and give him personal identifying information to confirm the account to which I felt uncomfortable and told him this. He proceeded to tell me that this was required to confirm the account which I disagreed with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and eventually transferred me to the fraud department. The fraud department closed the account eventually after putting up a fight but wouldnt provide me with information on how this account was created and what charges ( if any ) were on the existing card. I found chime to be incredibly unprofessional in the way they handled this process.
Product: Credit reporting or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX Please remove these inquiries from my credit report immediately. 
Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Affirm Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Form 1099-C Dear Affirm Inc. , I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Navy Federal credit union overdrafted my account allowing payments to go through without the funds being available yet. This allowed for repetitive overdraft fees to occur. Including XXXX XXXX  transfers totaling out to at least {$800.00} of overdraft fees. Starting XXXX XXXX XX/XX/2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX Discover wrongly submitted a HARD INQUIRY to the 3 major Credit Bureaus. 

I contacted them directly, they said they were in error but were not able to issue a Notification of Removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened on XX/XX/XXXX. Both have the balnce of {$2000.00} ( see attached screenshots ).
2. Both of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity/XXXX : I was never late on this account. I have not received a notice telling me that I was late as these payments were paid online. Please remove these lates from my credit file as these were always paid on time.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I purchased a {$5000.00} CD for 1.24 % from People 's United Bank on XX/XX/XXXX which was scheduled to expire XX/XX/XXXX. I received a phone call from the bank representative about a week before the expiration telling me that I could roll over the CD at the going rate, or close out the CD and come into the bank with ID to collect the money due. I was about ten days " late '' when I went to the bank and was told that I could not close out the CD and it's earnings without a fee of {$100.00} which is more than the {$80.00} the CD earned AND that the CD was automatically renewed, but at a rate of 0.04 %! The bank representative asked me why I did not respond to the letter sent to me with this information but NO LETTER was ever received AND the banker who called me never told me that the renewal rate on the roll over would drop from 1.24 % to 0.04 %.

I believe I should have received a letter explicitly stating that the rate would drop and the bank person should have told me this. I asked to simply change the CD to a better rate but the bank refuses. This is not proper. I would like to file a formal complaint against People 's United Bank.