23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response to the initial complaint # XXXX-XXXX  and I'm very frustrated by the lack of transparency and of the reporting bureaus understanding of fixing this problem. I've articulated exactly the problem yet as in XXXX, they did not even address the issues of the complaint, XXXX  ignored the fact that all the debt was previously paid off in full, yet still just because they used a 3rd party to verify the BK on the public record, and completely ignored the facts and the law in not removing this negative mark from my report. There own report states it will stay on the report for up to 10 years if the debt was NOT paid. I don't know how many times I need to say, in this instance and case, ALL the debt was paid in full, thus should not have to be listed on the bureaus for 10 years and should be removed. I also provided Court Orders that directed the Bureaus to remove that information and they still ignored that. I'm at a loss as it appears the Bureaus are only using a computer model that says if you file BK, it must stay on your record for 10 years regardless of the actual circumstances and facts. The Bureaus are NOT following the FCRA rules and are complicit in violating my fair credit rights, and they should be sanctioned and fined, until they resolve and remove this violation. Please refer to the attachments to the original report and Judicial Orders.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I notice there was no change in my XXXX XXXX so i dispute it through credit karma. Credit Karma came back and said, I was late on my car payment XXXX  days. I disputed that to. On XX/XX/XXXX, I notice my XXXX XXXX drop over XXXX points. I checked Credit Karma and XXXX report to Credit Karma that I closed my XXXX  XXXX account, which is not true. I paid that account off in full. I reached to XXXX XXXX on XX/XX/XXXX, for proof that i paid that account in full. XXXX XXXX sent me a letter stating so.
Product: Vehicle loan or lease

date of XXXX total amount XXXX I have extended my credit using my open end consumer credit plan under 15 U.S code 1602J to this fifth third bank and I have not received no benefits. furthermore I have rescission the contract for the failure to notify me of my right to rescind a transaction subject to rescission by not delivering two copies of the notice 12 CFR 1026.23. violation under TILA 15 U.S Code section 1605.

after sending the notice by mail to the CFO I have countless calls from the bank harassment me to make payments after time and time again to let them know to stop calling me now i have no choice to star making complaints to federal agencies and state attorney general. they fail to repossess the automobile after 60 days of they receiving the notice of rescission.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. XXXX, XXXX, and TransUnion are obligated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to authenticate these accounts. ( A ). Treating these reporting experiences as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look into the following unverified accounts : XXXX  XXXX XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The PayPal Credit website advertised on their website under FAQs that I could open a PayPal Credit LOC to payoff another Credit Card or simply transfer to friends within PayPal. I could NOT transfer this LOC to my bank account, CC, paypal friends, or Paypal wallet. I sought support from customer service at PayPal Credit. They were unable to provide a solution even after escalating to Account Manager XXXX. Then I asked to file a formal complaint with their compliance department for running my credit for a falsely advertised product. They gave me a new phone number and said they could not help. I called the new number XXXX and spoke with a representative and they were also not able to help when I asked to file a formal complaint. She cold transferred me to another representative who denied being able to help and cold transferred me back to PayPal Credit 's customer support as if sending me into an endless circle that would in no way shape or form help me or allow me to file a formal complaint with either companies compliance departments. 

I also requested a chat transcript between XXXX and XXXX from XXXX minutes ago and Paypal Credit said I had already not filled out their survey and requested the chat transcript at that time and therefore it was not available anywhere. 

I ended THIS chat and filled out the survey and clicked submit survey and it closed the chat window again without a transcript. This is SUPER shady. They are trying to hide their own interactions with consumers to help avoid legitimate criticism.
Product: Vehicle loan or lease

I was reported 30 days late because I made loan payments during a lender offered, Covid 19 payment assistance deferral with Chase Auto Credit. 

On XX/XX/XXXX, I responded to an offer by Chase to defer payments on my auto loan for 2-3 months. Due to the uncertainty of how the virus would affect my income, I enrolled for the deferral and stopped automatic payments. ( enrollment letter and program expiration letters attached XXXX We were in the process of obtaining a mortgage for a new home during this time. 
On XX/XX/XXXX, My loan officer cautioned me that any mark on my credit report at this time would jeapordize my chances to obtain the mortgage and, as a precaution, advised me to pay up the auto loan with Chase if I could. Since the Covid situation did not affect my business badly, I could make the payments. 

I called Chase on XX/XX/XXXX to tell them that I was going to start making payments to bring the loan current and avoid negative marks on my credit. I clearly stated I did not want to do anything that would jeapordize my credit. The representative told me that my credit would not be affected and I would not be reported late or reported that I was on a deferral. 
I sent them three seperate payments so it would be absolutely clear they should be applied to each monthly payment, instead of being applied as one bulk payment. ( bank statement attached ) On XX/XX/XXXX, I received a letter from Chase informing me that my " Covid 19 assistance program has expired '' ( letter attached ). Showing I was in the program from XX/XX/XXXX to XX/XX/XXXX. 

I received a credit alert that I was reported 30 days late for the XX/XX/XXXX payment. 

I contacted Chase Auto Finance and placed a dispute. I was told by the dispute department that since I made the payment in XXXX, the XXXX payment was 30 days late, but the account is now current. Due to the automated process, there was nothing they could do to remove the 30 day late. In addition, they charged me a late fee for the XXXX payment. 

I wrote the 3 major credit bureau 's and entered a dispute. All three came back as having checked with the creditor and finding the results to be accurate as " Account is current '' In summary, I was on a payment deferral plan, and with all good intention, made payments to insure there would be no issues with my credit. My credit score dropped almost 40 points due to, what I can only guess, was a gross misunderstanding during a very chaotic time. I thought I was doing the right thing. I would have never intentionally jeapordized my credit. 

I respectfully request this 30 day late be removed from my credit reports. 

Thank You.
Product: Consumer Loan

Lending Club approved my {$15000.00} loan. On XXXX/XXXX/16, only {$14000.00} was deposited to my bank account. When I inquired on XXXX/XXXX/16, Lending Club noted that there is a {$900.00} origination fee and I only had 72 hours to cancel the transaction from XXXX/XXXX/16. I was advised that the only option was to pay the full {$15000.00} plus interest. I ended the call. 

Today, XXXX/XXXX/16, I spoke with XXXX, a supervisor from the payment department, requesting an early payment ( I never used the {$14000.00} and needed time to come up with the additional {$900.00} to close the account ). I explained that only {$14000.00} was deposited, and now I owe {$15000.00} ( {$900.00} origination + {$320.00} interest ). I wanted some relief, however, she could not reverse the fees or offer some help. 

From a consumer standpoint, I strongly believe this is unfair and abusing lending practice, especially since I wanted to return the money after discovering this sham. The website makes it easy to take a loan, but puts the details in " fine print '' making it a financial hardship for consumers to repay once we hit " accept ''. I still have the {$14000.00} in the bank and not have to cought up $ XXXX for a transaction that I wanted cancelled.
Product: Mortgage

During the closing of my home in XXXX of 2015, I was never given an opportunity to opt out of having my personal, non public information furnished to third parties. I also did not receive a conspicuous disclosure, stating that they would furnish private transactional information in regards to my account to third parties. This is a violation of 15 U.S.C. 1681b. ( a ) ( 2 ), 15 U.S.C. 6801., & 15 U.S.C . 6802.
Product: Credit reporting or other personal consumer reports

Spoke with " XXXX '' today, and told him that I wanted to opt out of any, and all authorization, that I, the consumer may have given them, written, unwritten, verbal, and nonverbal per 15 USC 6802. I also asked him where they got my information, and he told me, from my financial institution. According to the agreement with my bank, it says that they will NOT disclose any NON-PUBLIC PERSONAL INFORMATION to non-affiliated companies, which includes transaction history that EWS services have been reporting to my consumer report. I was also told there were no Supervisors/managers available to help with his matter. So im escalating this situation here because they are creating LANGUAGE FRAUD. 

According to : The Privacy Act of 1974, CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

15 U.S Code 6803 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$0.00}
Product: Credit reporting 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Credit reporting or other personal consumer reports

15 U.S.. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been 30 days and this company is in violation of this law because I'm a victim of identity theft. Please delete these items as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please remove the following incorrect personal information : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I am demanding these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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
Product: Credit card

I had been a loyal capital one user for years. Because of XXXX  I had to change jobs and took a XXXX pay cut and I went through a divorce. Despite paying my required payment amount monthly Capital one, after charging me a yearly membership fee for the upcoming year, XXXX days later cancelled my XXXX accounts ( XXXX had XXXX balance ). I asked if I could become part of their publically advertised XXXX  relief program and provided them proof ( I both emailed and called many times ). They said no without explanation and kept charging me rediculous interest and late fees. I asked if they would join my dept repalyment company plan ( XXXX did the company XXXX XXXX solutions many times ) so I could repay they were teh only creditor who refused. Then they charged off my debt and are now offering me payment plans that are more than I can afford. Please see the attachment for a longer explanation,
Product: Debt collection

RESPONSE TO COMPANY RESPONSE 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT my name is XXXX XXXX XXXX. thank you Have a Good day ACCOUNT NAME : DISCOVER BANK ACCOUNT XXXX Balance {$3000.00} The current amount owed on the account. Balance updated XX/XX/XXXX Open/closed Indicates the date an account was opened. XX/XX/XXXX Account type credit card Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. Status updated Date the creditor last reported information about the account payment status. XX/XX/XXXX The balance currently reported as past-due by the company holding the account. {$3000.00} Highest balance The highest amount that you have owed on an account to date. {$3000.00} Monthly payment Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

Several letters were written to XXXX to VALIDATE a debt reported by XXXX XXXX as well as several hard inquiries to my credit report due to identity theft. XXXXXXXX XXXX was never validated so needs to be removed. It was removed XX/XX/XXXXbut then re-inserted without a 5 day written notice. I've never received a validated contract with my signature nor have I received a detailed bill validating the charges. This is violation of my consumer rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a vicm of Identy The. Per the Fair Credit Reporng Act Secon 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addion to Secon 1681c-2 ( a ) you are required to block any informaon in the file that I have idenfied that resulted from identy the. The following items need to be removed and blocked as they are fraudulent. 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 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 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
Product: Credit card or prepaid card

Synchrony bank has ruined my social security number by closing 2 of  my accounts as " Deceased ''. I now can not get a bank account in my name due to being reported by this bank as dead. Im clearly alive, working, just got a new id card, im a legal us citizen who cant get an account opened for the past year because someone screwed up and registered me as dead.
Product: Mortgage

Reporting the improper hierarchy of payments, violation of servicing the loan and improper foreclosure proceedings. Duplicate/overpayments for our mortgage payments were applied on XX/XX/XXXX for the months of XX/XX/XXXX-XX/XX/XXXX. we have requested that the Chase Bank reverse these payments on numerous occasions, but to no avail. We are now sending a copy of our bank Statements and Chase Reconcilation log detailing the duplicate payments. Also payments were not accepted starting XX/XX/XXXX - XX/XX/XXXX, causing us to go into a foreclosure. we were not 120 days in arrears at the time so our payments should have been accepted.
Product: Debt collection

I am writing to dispute and request complete verification of a XXXX XXXX XXXX collection account appearing on my credit report. I received a collection notice without any supporting documentation, which I am attaching to this dispute. This unverified collection is currently preventing me from securing housing for my family. 
Critical Information : Property was sold on XX/XX/year> Account shows charges after the sale date Received collection letter without any debt validation No proof of debt ownership was provided No original contract or payment history included I formally request the following documentation : A. Original Creditor Documentation : Complete copy of original bearing contract with signatures Original account opening date Original account number Proof of coverage dates and termination Verification that charges are only for the period I owned the property B. Payment Verification : First payment date and amount Last payment date and amount Complete payment history Current balance calculation C. Transfer Documentation : Chain of ownership of debt Verification of collection authority Dates of account transfer Under the Fair Credit Reporting Act ( FCRA ), you are required to : Conduct a reasonable investigation Verify the accuracy of the information Provide all relevant documentation Remove any information that can not be fully verified This matter requires urgent attention as it is directly affecting my family 's housing situation. I request that this item be investigated and resolved within 30 days as required by the FCRA. If complete verification can not be provided, this item must be removed from my credit report.