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

I have my name and address that I want to correct on your report. 
My name is XXXX XXXX XXXX or XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX XXXX XXXX Florida XXXX.
Product: Debt collection

I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in Texas. I have been able to clear some of these thus far and have placed a freeze on my credit. I have never lived in Texas ( have resided in XXXX since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. XXXX XXXX XXXX XXXX {$660.00} ( reported as XXXX filed dispute ), XX/XX/2021 -- XXXX XXXX : {$420.00} ( reported as XXXX filed dispute ). I was made aware of both of these fraudulent accounts via debt collectors.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear TSI/XXXX, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL XXXX ) and the Michigan Consumer Protection Act ( MCL XXXX ). 

It has come to my attention that TSIXXXX has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL XXXX ). 

I assert unequivocally that I have not provided consent for TSI/XXXX to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws. 

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL 445.72, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. TSI/XXXX  unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL 445.903 ( 1 ). 

I demand that TSIXXXX immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law . You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws. 

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this collection on my account as inaccurate multiple times. I have no knowledge of this debt nor this company or creditor. I live in Florida. This company is in California. I have made it clear that it is not my debt and it is affecting my credit score to the point where I can not get any loans during the pandemic. I contacted the company and was belittled and told to pay my debt. I would like this removed off my account as it does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX, I have wrote a letter requesting VERIFIED Proof of Debtor or Proof of Undertaking. XX/XX/2023 USPS # XXXX XXXX XXXX XXXX XXXX, Notice of Default and Opportunity to cure, XX/XX/2023 USPS # XXXX XXXX XXXX XXXX, not responded has been received, I acquired my Credit Report and ask the credit Bureaus to make sure everything was completed and accurate according to 15 USC 1681i ( 5 ), I have send a letter to Experian XX/XX/2023 USPS # XXXX XXXX XXXX XXXX XXXX, Experian has not modified or remove anything this account is showing wrong information, By the FCRA the report has to be accurate, and this report is NOT ACCURATE. Which is a Violation, this is impacting from moving forward to grow my Business
Product: Credit card or prepaid card

On XX/XX/2020 a flight using Chase Sapphire XXXX rewards was canceled by the airline. In XX/XX/2020 I called to ask for a refund. After almost 90 mins on the call and it being escalated to a supervisor I was confirm that the refund of points would take place in roughly 30 mins and the credit portion refunded in 48-72 hours. The commitment was never kept. Over the last two months I have called multiple times, filed multiple complaints and escalations including a review of the voice recording of our original call. Confirming I was promised a quick refund by the supervisor. I was advised if this was confirmed they would honor that commitment to be just later told, after confirming that it was a mistake and they cant honor it. Even though the original deadline has not been honor the worst case was to expect a refund in roughly 8-12 weeks, it has now been 14 weeks and no communication from Chase and no refund. Chase is holding roughly {$1300.00} of my money hostage for over 3 months at this point. During these hard times {$1300.00} goes a long way as well as I feel they are responsible for the fraud and lies promised on the first call captured on a recorded line. Overall I have spent over 5 hours trying to resolve this issue. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I live in XXXX XXXX. For years I used XXXX for sending money from XXXX XXXX XXXX XXXX My Retirement ) account, now they will not help me. We have bad phone service here, when a representative I assume call services can not hear me, they say goodbye and hang up on me because of bad connections. 

I would like to use their services. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Open a credit card with Bank of America. When I close my account it was paid in full. 3months later I check my credit score said it had a 90 day late charge from Bank of America XXXX I call and try to resolve it but Bank of America still left the charge on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an email from Wells Fargo Bank N.A. with the subject line " Important XXXX XXXX XXXX XXXX  Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.
Product: Credit card or prepaid card

The following fraud chargers were mad on our account when our account balance was XXXX XXXX We have not made these charges and should not be responsible for any of this. 

XX/XX/2022 Interest Charge On Purchases {$4.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 XXXX XXXXXXXX XXXX {$100.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$70.00} Fees XX/XX/2022 FOREIGN CURRENCY FEE XXXX XX/XX/2022 FOREIGN CURRENCY FEE XXXX TOTAL FEES FOR THIS PERIOD {$5.00} I was told that the account would be closed and investigated but the account still remains open and active. 

Now they are stating " We will let the national credit reporting agencies know that we closed your account. You will continue to receive billing statements every month until your remaining balance is paid in full. Currently, your balance is {$72.00}. '' This is from " LATE FEES '' on FRAUD charges are we DO NOT owe this ... .you can't even get through to anyone on their phone lines
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian credit agency and informed them that the information they are reporting is paid off and is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Aspire credit card. The company is reporting me late on my credit card for Fraudulent activity. I have attempted on numerous occasions to get in touch with them but nothing. I want to report them
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I signed up for the app Skrill because I wanted to compare its features to XXXX and XXXX. The app looked nice so I entered all of my personal information ; name, address, phone number, email, social security number, debit card number, my bank account information. 

I easily transferred {$10.00} from my debit card into my Skrill account. The transfer was instant and things were looking good.. 

I then explored the app more to see what features it had and the app was working perfect. However, when I tried to transfer the {$10.00} that I put into my Skrill account back to the same debit card I used to deposit money, Skrill instantly restricted my account. This was still during the same session I started on XX/XX/year>. 

I can not log into the app now. I cant my account, only a screen that says my account is restricted. The only thing available for me to do is upload a photo ID.

Skrill accepted a deposit from my debit card instantly without requiring any other information from me. They allowed deposit more money if I wanted to. The moment I tried to transfer the money back to my debit card, my account was instantly restricted.

I uploaded my photo ID ( my valid U.S. Drivers License ).

After doing so, nothing changed. The same screen continues to populate saying that my account is restricted and that I need to upload a photo ID. 

I searched the internet for their Customer Service phone number to unlock my account, and get my money back onto my debit card. The Agent I spoke with saw that I uploaded my Drivers License, but said he couldnt do anything to unlock my account.

The Agent suggested uploading a selfie holding my ID from a browser on a desktop computer. 

( XXXX ). I have incurred 3 overdraft fees for {$34.00} each at my bank because of this. 

( XXXX ). Skrill is a phone app. I signed up on my phone, and deposited on my phone. 

( XXXX ). I dont have a desktop computer. Desktop computers dont come with built in cameras, nor could I hold one to take a selfie. 

( XXXX ). It is XX/XX/year> and nothing has changed. 

( XXXX ). Skrill has all of my personal info.
Product: Debt collection

On XX/XX/XXXX I traded in my XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I paid USXXXX as a down payment .XXXX contacted XXXX XXXX XXXX and got the paid off information and based on that the gave me the new deal. The US XXXX should cover the remaining payments. In XX/XX/XXXX I received a notice dated XX/XX/XXXX trying to collect US XXXX when I called XXXX XXXX XXXX they told me that they have nothing to do with that and if I font pay the will send my account to collections. I explained that I made a deal with a dealership that belong to them and that they should contact the dealership. They did n't care. I called the dealership several times and have not get a response from them yet. 
Today I received a notification that this account is in collections dropping my credit score to XXXX. This is the 4th vehicle I get from this dealership and I have nothing to do with the communication between the dealer and XXXX XXXX XXXX when they call to get payoff information.
Product: Credit reporting or other personal consumer reports

The hard inquiries on my credit report were not authorized. Under 15 USC 1681c-2, please delete them immediately.
Product: Mortgage

2nd request to respond as first complaint had a pdf response that was unable to be viewed or downloaded. 

Fay Servicing is the most incompetent mortgage servicer out there. They have bought insurances on my behalf even after sending proof of coverage on numerous occasions. They have bought coverages that are not required in the state of NJ such as wind coverage therefore throwing off my escrow balances. After I called numerous times to resolve this they finally admitted wind coverage was a mistake on their end. With the addition of wind coverage this took my monthly payment from {$3500.00} to {$4500.00} per month. Even after I called and this was removed from my loan and on XX/XX/2023 they secured {$4500.00} payment instead of the {$3500.00}. Called in and spoke to a rep who said they cant do anything and to wait until XX/XX/XXXX until the original payment goes into effect. This isnt the only issue Ive had with Fay Servicing in the past. I have been told I am able to remove escrow services from my loan from a few reps then when requesting this to the servicer via email they refused and deny this. They should not be handling anyones escrow as they are making mistakes and costing me money as well as time to get this resolved because of their errors.
Product: Consumer Loan

I financed a XXXX from a dealer in XXXX, XXXX in XXXX, I was making payments to them every XXXX weeks, in XXXX I went in to make a payment and they told me that they had given the loan to another company and that the company would be in touch with me. I received a call from a company called XXXX XXXX in XXXX XXXX, CA, they said they were the new finance company, and I should start making payments to them, which I did. After making payments, I asked about the title and they said they would send it to me, but, I never got it. I moved back to XXXX State in XXXX, I was still making payments, then one day I went to make my payment and I was locked out of my account, I contacted them and they said they had changed and to use XXXX at XXXX. I was making payments that way, but something did n't feel right, so I wrote the State of XXXX and the response from XXXX that they had bought my car at auction while I was driving it and would n't send the title until the car was paid off. After that I never heard from them, no statements or calls and I could n't make payments to the account. Last month I got a call from a collection agency in XXXX saying that they wanted payment for the car and to send it to them. I told they woman who called that I wanted something in writing from them and I was n't going to talk to them until I received something in writing. I never got a letter from XXXX that they were the new lienholder, my title has someoneels'e name on it. I also have never gotten a contract from they, they just sent statement whne it was time to make payments and since XXXX I have n't gotten a staement. So what do I do? 

Thank you
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed. 

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

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


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


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

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

Delete the late payments from my consumer reports
Product: Debt collection

I am beyond exhausted with all my efforts to resolve this matter with ability recovery services for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery services has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX Account Number XXXX The first error date of activity XXXX is reporting XX/XX/2021 and Equifax is reporting XX/XX/2021. 

The second error account status XXXX is reporting closed and Equifax is reporting open. 

The third error payment status XXXX is reporting payment status as collection/ charge off and Equifax is reporting Late 120 days. 

The fourth error is last payment XXXX is not reporting a last payment and Equifax is reporting last payment XX/XX/2021. 


I have sent numerous letters to Equifax and XXXX they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Product: Student loan

I got a call XX/XX/XXXX saying how I am approved for loan forgiveness and if I'm interested press 2 or  something like that. I was very hesitant to trust them because you hear of scams happening all the time so they sent me a whole bunch of emails proving to me that they were real. The deal was I was supposed to start paying them {$190.00} a month for 6months then my loan payments would go to {$10.00} a month for 10 years, I believe. They were going to handle everything from XXXX company and my Federal student Aid. I had to give them passwords so that they could have the information to contact them. If I was going to get anything from XXXX I was supposed to forward it all to this company. I got a text message yesterday XX/XX/18 saying oops-you missed your due date. make a payment today at XXXX msg & datRatesMayApply. text STOP to stop texts. I would have paid that no problem if I knew I had to pay them. I called XXXX XXXX at XXXX to talk to them about my concerns that I may have been scammed. I was checking my account for XXXX to make sure that I didn't owe them anything and that this premier student loan center really did take care of it. It showed on my account that I didn't owe XXXX   anything during these months. to me that made me feel reassured that everything was ok. When I talked to the lady this morning, XX/XX/18.18, she said they were contacted saying that I was having trouble paying my monthly payments that I needed a forbearance. I never called and told them that. that is why it looked like I didn't owe them anything during the months I was paying this other company, premier student loan center. The lady went over all my information and there was a lot of things wrong on my account including, extra phone numbers that were not mine, address that wasn't ' mine, and email address that wasn't mine. We updated all of that. I called my bank and made sure that I don't want any payments going to this XXXX XXXX XXXX account XXXX XXXX XXXX. The lady I spoke to also gave me direction to contact CFPD. I have changed all of my passwords and stopped payments already but I don't know if they are going to come at me with anything. they took audimatic payments from my debit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 all {$190.00} so a total of {$790.00} is what has been paid to them.
Product: Checking or savings account

I was a victim of an online loan scam in which over XXXX checks was electronically deposited into my checking account with JP Morgan Chase bank. My account was comprised and closed due to the fraud. I have submitted a police report from my local police and the FBI to Chase and have been unable to resolve this issue. Theres an outstanding balance and I tried to open an another checking count with Chase, XXXX XXXX, XXXX but have been denied. I recently opened a checking account t with Chase on Tuesday, XX/XX/year>, after being advised that the restrictions were lifted, however, that account was subsequently closed again. I was advised today, XX/XX/year>, the reason for the bank closure was because Chase bank has ended their relationship with me.
Product: Checking or savings account

I lost my debit card and disputed four recent transactions but one of those transactions was my rent. A day later on XX/XX/XXXX I called to ask them to cancel the claim. They said they didnt reach out to the merchant supposedly. I thought everything was stopped before it went through. A week later around XX/XX/XXXX The property management said the transaction was reversed. I called the bank and the bank said that they will release the funds back so now were pushing on XX/XX/XXXX and the property management still havent received it and we was told visa reached out to them for information. The apartment isnt in my name my its in my wifes. Chase told me they will have to sign some papers to verify with visa that I authorized payment and it can take up to 45days. Fast forward its XX/XX/XXXX and the property management still havent received the rent for this month. Im being charged late fees and chase is not disputing the transactions and know that Ive called over 10tens trying to resolve the problem they didnt even offer to help pay late fees now Im on the edge of eviction. Its XXXX dollars gone out my account I cant just get another XXXX to pay rent now its XXXX and chase is not helping me at all. They keep saying they received the money but the property management said nothing is on my account.