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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date XXXX XX/XX/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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been contacting Upgrade Card to remove me from their mailing list. I use their contact us feature on their webpage as well as XXXX. They never respond at all. I get 3 mail pieces from them awake and at this point I consider them violating Do Not Solicit Laws.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my written instructions.

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm writing to dispute personal information appearing on my credit report maintained by you bureau. Upon viewing my credit report, I noticed discrepancies in the personal Information section, which I believe inaccurate. 

I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to The Fair Credit Reporting Act ( FCRA ), I have the right to report inaccurate or incomplete information on my credit report. I'm requesting that you promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government issued identification card and any other supporting documents. 

By the revisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditors who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this investigation in 30 days of receipt of this letter. According to the act, Act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am trying to sign up on the investing site, XXXX. In order to do so I need to link my bank account. PNC is not letting me link my bank account so therefore I can not open an investing account and claim my free stock. This is my money and PNC should be allowing me to link my bank account with this verified, trusted service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries I did not authorize these inquiries
Product: Mortgage

I found a derogatory account from Ditech on my XXXX credit reports from XXXX, XXXX, and XXXX. The account does not belong to me and I have never had any accounts with Ditech. I called the company on multiple occasions during XXXX 2016 to asked about the reporting details of the account. I provided my full name, social security number, birth date, and current address to multiple representatives and supervisors. They all claimed that they could not provide me with details of the account if I could not provide them with the address of the derogatory entry. I replied that there was no address reported on the credit report entries. I informed them that I had provided enough identifying information for them to confirm my identity and tell me the current status, history and balance details of the alleged debt. They all still refused to give me details and it went so far as to have a representative, XXXX, on XXXX XXXX, 2016, tell me that it was against the law for her to give me details of the address and balance of the alleged mortgage account. I asked her to cite the specific law to which she was referring and she could not respond with the specific law. I then told her that I was disputing any ownership of the account per my rights to accurate credit reporting under the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ). She replied that FCRA required all disputes to be in 'writing. ' I replied that this was not accurate and that my verbal dispute with Ditech was sufficient. I asked her to cite the section of FCRA that required disputes in writing and again she could not do so. I then spoke with her supervisor, XXXX, and disputed ownership of the account and also indicated the contradictory reporting of the account between the different credit bureaus. She said that I would have to file an 'identity theft ' report with the police to have the account delete. I replied that I was not sure if identity theft had occurred, only that Ditech was erroneously reporting the account and that I was contesting its accuracy and asking o have it removed in accordance with FCRA and Ditech 's inability to verify it, along with their misreporting. The account shows a XXXX mortgage that was foreclosed on, but is currently in collection and has an outstanding balance of {$81000.00}. This is contradictory. How could a balance be outstanding and charged off on a property that was foreclosed on. This is allegedly a XXXX mortgage, so no balance would be outstanding post foreclosure. Nevertheless, she insisted I would have to file an identity theft report. I replied that I would not and that Ditech must removed this inaccurate entry or I would file suit in small claims court for violations of FCRA. XXXX replied that I would need to proceed along these lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such XXXX mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX  On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.
Product: Credit reporting

Several of my credit inquiries were removed on my transition report then later were reinstated without any notification.
Product: Checking or savings account

I had my account with chase for a while. I had stayed without a job for a short period during this pandemic. The bank started to charge me insufficient fees even due to Recurring payments even though i had no money. They kept letting the recurring payments and the insufficient fees add up to almost XXXX dollars. I told them i was not going to pay that due to me losing my job and that they would charge me insufficient funds fee twice in one day as well as the XXXX dollars service for not having funds in the account. I cant get a new debt card with my new bank because of it. Please help me
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Equifax : XXXXXXXX XXXX XXXX  {$0.00} Account info. 

Account XXXX XXXX Open/in good standing Date opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Experian : XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Transunion : XXXX {$0.00} Reported XX/XX/XXXX closed
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : US Auto Finance US Auto # XXXX balance 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was not aware of this bill until, XX/XX/2020. When I ran my credit is when I found out that I owed an amount to XX/XX/XXXX ( XXXX XXXX ). I immediately called the creditor collectors, Contract Callers incorporated. I spoke with XXXX XXXX, a CCI representative. I explained to Mr. XXXX, I was unaware of this bill due to XXXX XXXX and XXXX XXXX and that I would appreciate the opportunity to pay this debt. I also explained that I was on XXXX and receiving limit funds., Mr. XXXX reduced the amount to {$480.00}. Mr. XXXX assured me I would have the opportunity to pay the bill without hassle from the collection agency CCI. I was promised the debt would be temporarily removed from all 3 credit bureau 's because I was never contacted and I was unaware of this debt. Mr. XXXX informed me that they did not have a current address for me and this is why I had not received any mailings. We ended the call with the agreement I must pay {$100.00} by the next Monday, XX/XX/2020. It was to my understanding, that if I paid this in full in a timely manner, the debt would be removed from my credit along with all negative reporting that was incorrectly reported, because I was completely unaware and had not had the opportunity to pay. 

payments XX/XX/XXXX {$20.00} paid XX/XX/XXXX {$40.00} paid XX/XX/XXXX {$55.00} paid Our agreement was met. 
XXXX XXXX {$100.00} paid XXXX XXXX {$19.00} paid XXXX {$45.00} paid XXXX XXXX {$39.00} paid XXXX XXXX {$19.00} paid XXXX XXXX {$150.00}. paid in full. 

This debt was a priority to me and I immediately went to great lengths to make sure it was paid by their guidelines and quickly. 

I have disputed this debt repeatedly on all 3 credit bureaus to no avail. CCI has failed to list any of my payments, diligence or that this account is paid in full. I have contact with them several times by phone, email and written correspondence, only to be back at the same spot I was on day one. 

I would like this debt and all false reporting of late payments and derogatory reporting removed in full as promised. To this date this account is paid in full.
Product: Vehicle loan or lease

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Truth-in-Lending Act ( TILA ) is a federal law that is apart of the Consumer Credit Protection Act. 

Fact, the purpose of the Truth-in-Lending Act ( TILA ) is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to her and avoid the uniformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices, and I have been abused and deceived so be it. 

Fact, affiant is aware and has proof in attachment labeled as Exhibit B that GM Financial is in violation of 15 U.S. Code 1605a ( c ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligor loss, and or property damage. GM Financial did not include my insurance in my finance charge.

Fact, affiant is aware and has proof in attachment labeled Exhibit B and Exhibit C that GM Financial is in violation of 15 U.S. Code 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. GM Financial in fact took a {$1500.00} cash payment as shown in Exhibit C. 

Fact, affiant is aware and has proof in attachment labelled Exhibit A-G that GM Financial is in violation of 15 U.S. Code 1611. GM Financial willfully and knowingly failed to provide/disclose information required under 15 U.S. Code 1601. GM Financial is now civilly and criminally liable.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these transactions nor do i have any knowledge of these inquires XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX, Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

XXXX balance is XXXX I have not purchase anything in XXXX and i made payment XXXX for Bank of America credit card. Since i have promotion offer XXXX $ until XX/XX/XXXX. New Balance is now XXXX $ now,. Now i am see in XXXX statement interst charged XXXX XXXX 

Please help me to resolve this issue. Every month charging and paid total interest XXXX $
Product: Vehicle loan or lease

Im in the XXXX, I got this car for 21 % arp, which the Finance guy at the dealership said I would be able to refinance in 6 months. Listening to my brother I was fine with bitting the bullet for 6 months with a payment of {$440.00} each month. The dealership didnt have in my packet that I was XXXX XXXX so this I got the loan off of for XXXX for my car was charging at 21 % which one day I was told they didnt even have In my loan that I was XXXX and if I gave them my XXXX XXXX orders that I Would qualify for lower interest rates. Since months go by I try to put in a request and receive nothing back from them in the mail or email. Calling them about 2 times every week to see if there is any progress with and after about 4 months of going back and fourth Im done paying and I want my payment lowered this company keeps giving me the run around Im done
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX  I started to access my credit files to see which accounts were showing, and noticed that XXXX XXXX XXXX XXXX reported I opened a XXXX card account. Immediately I reported to the Credit bureaus that the account was not mine. That it was fraud and I wanted the card account to be removed from my credit files. For {$27.00} that was showing account balance my credit score went down XXXX points!!!!!!! In the meantime, i also contacted XXXX XXXX XXXX XXXX by phone to dispute the validity of that credit card account. They started to investigate and finally sent me a letter dated XX/XX/2022 that they disagreed with my claim that the account was opened fraudulently. I offered to pay the balance due just to get rid of the account I did not open. Still they insist the account is mine, the card was used in XXXX, XXXX but I live in XXXX, XXXX. I am asking your office to intervene in this matter and XXXX XXXX XXXX XXXX XXXX to accept my claim and erase this account from my credit files as if it never existed. My address with them has always been in XXXX. By no means I used the car in XXXX, XXXX. They ruined my credit report without considering the facts I presented. I did not apply for the XXXX credit card.
Product: Mortgage

On XX/XX/2016 I sent in my monthly mortgage payment to Ocwen for the month of XX/XX/2016. ( check # XXXX ). I am always a month ahead in payments. ( see attached ) Ocwen cashed that check on XX/XX/2016. I was expecting to receive my next payment coupon from them for XX/XX/2016 but by XX/XX/2016 I had not received it, so I sent Ocwen a email asking why I had not gotten it yet and on XX/XX/2016 I received a email from them that stated ( see attached ) a mortgage account statement is sent either when a payment is received or when a payment is not received by the end of the grace period, whichever is earlier. But as I just stated they DID RECEIVE my payment for the month of XX/XX/2016 ( see attached ) but have failed to send me XX/XX/2016 payment and here it is XX/XX/2016. I decided to give them the benefit of the doubt and and wait to see if they would send me my next payment. On XX/XX/2016 I still have n't received a payment coupon for XX/XX/2016 payment so I sent them another email stating that I am still waiting for it. I have not signed up for paperless billing and I never will. Ocwen suggested in their email to me that I just send in the payment without the payment coupon. I will probably have to end up doing this because of their negligence. I am scared to think of what problems lie ahead because of not having that payment coupon. This is not the first time Ocwen has failed to send a payment for the following month mortgage.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the WELLS FARGO with the account number XXXX still remains on my credit report in violation of XXXX XXXX. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.