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

I am submitting to request the REMOVAL of several credit inquiries again that were unauthorized from my credit reports. On XX/XX/XXXX, I received a copy of my credit report and became aware of these inquiries that I did not authorize were still reporting in my file. They are as follows, along with this inaccurate address : EXPERIAN : XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. Attached here was my new FTC report with number XXXX.
Product: Vehicle loan or lease

I took out a loan from One Main Financial, against my XXXX XXXX XXXX convertible in XX/XX/XXXX. The loan was paid off by summer of XXXX. I have been requesting the loan release letter or for the letter of release to be sent to the Illinois XXXX of XXXX for nearly 2 years. The car was in an accident, totaled out and still can not get the lien release letter. I have called, emailed and submitting a request on " contact us '' to One Main Financial. I have spoked to the XXXX XXXX ( XXXX ) at the XXXX XXXX, IL XXXX 3 times. She keeps saying that she's requested the letter to be sent to me, but it is never sent. This must end. The loan was satisfied but they are holding my asset as the XXXX holder.
Product: Student loan

I am on the XXXX program. My loans are managed by mohela. My XXXX account was managed by Mohela until XXXX of XXXX. I made payments up to XX/XX/year>. At that time my account was placed in an administrative forbearance against my approval. I contacted mohela several times through email and phone to ask to have the forbearance removed. I was assured by mohela the months of XXXX & XXXX would count as they are a mandatory processing forbearance. These months are still showing as ineligible. 

In XXXX, the XXXX court case continued the forbearance on my account. I continued checking and calling asking to be taken off of the forbearance as I was so close to XXXX and wanted to make payments. 

In XXXX I applied for the buyback program and was told they are still processing my request. 

Also in XXXX I applied to change my payment plan to the XXXX plan, I have not been placed in a processing forbearance and have no word on when this will be processed. 

In XXXX I applied for reconsideration for XXXX & XXXX to count. I have submitted XXXX complaints from XXXX and still no progress has been made on my account, I currently have XXXX payments certified, I am only XXXX payments away and want to be pay them or have my XXXX & XXXX months count and complete buyback for the remaining XXXX months. 

I have XXXX  months of eligible employment certified by my employer under the XXXX program which shows in my XXXX account. 

Please help me in moving my case forward.
Product: Student loan

I work with Nelnet a Deptarment of Education assigned student loan servicer. I am currently on the standard 10 year term repayment plan. I made my first student loan payment to Nelnet on XXXX of this year. After making the payment I set up an auto payment to make payments from XXXX on. The reason for this autopay set up, was due to the fact that it reduced the rate on my loans by .25 %. On XX/XX/10 ( which would have been my first payment date ) the servicer pulled my payment for XXXX again. After calling the servicer requesting that they return my funds they said that they could not return the payment and those funds would be applied as an excess principal payment on my highest rate loan. They said if I requested they could turn off the autopay reapply the XX/XX/10 payment as a regulary payment to satisfy XXXX and to not turn on my autopay until after XX/XX/10. 1. to have an outstanding balance for XXXX doubles the interest due on the next payment date of XX/XX/10, and increase the amount of the final payment. 2. That whole time where I am not on auto pay my rate is higher. These predatory practices are ridiculous. Fortunately I have the financial stability to make the payment this month without an issue. Others may not be so lucky.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.
Product: Credit card

I made payment on this account in full using my bank 's online bill pay service. The payment was mailed by the payment processor on XX/XX/XXXX with a guaranteed delivery date of XXXX which was also the due date of my statement. 

The credit card company pretended not to have received the payment and applied both late fees and assessed interest charges. I protested and they offered to reverse the late fee but not the interest. 

The credit card company further indicated that the payment was delayed due to the holidays, although there was no federally recognized holiday during the time period in question. 

The company attempted to assign blame to me by stating that I should have mailed my payment at least fourteen business days ahead of the due date, which is ludicrous given that USPS first class mail does not take nearly that long.

This is the second time this has happened with this credit card company, and I believe that they are deficient in processing received payments in a timely manner and that they are further exploiting this deficiency to illegally generate interest income. 

Although it is well known and documented that this bank is exiting the credit card industry later next summer due to multiple failures in their business model, they are still obligated to process payments in a timely manner until such time as they officially exit the credit card business.
Product: Credit reporting or other personal consumer reports

The account is showing positively reported and then the actual account is saying its a charge off. This comany is inaccurately reporting on my credit report.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase for several years now with a balance of no more than ~ {$1500.00} and I recently purchased {$17000.00} worth of coins. The whole time I've had my Coinbase account, it hasn't been accessed without my permission until Monday ( XX/XX/XXXX ) and I had my account disabled since then. I'm being denied access to my own account and I find it very questionable that my account has only had an incursion when there was a drastic amount of funds purchased into my Coinbase account. The only method Coinbase provides for support is via email trouble ticketing and I've followed each step necessary to enable my account and to obtain rights to my own funds ( if my funds haven't had an unsanctioned transfer ). I've requested numerous times to be granted access so that I may determine the extent of damage/stolen coins within my account, but Coinbase refuses to do so. I have had my identification positively verified by Coinbase and I've followed each step set by Coinbase so that my account can be reenabled. Since Monday ( XX/XX/XXXX ) and until now ( XX/XX/XXXX ) I have no knowledge of or ability to verify my funds within my own account and Coinbase has refuse to help determine if any unauthorized fund transfers have occured. I believe Coinbase has both a questionable and unethical practice that is either centered within an individual at Coinbase or as a collective. No one ( other than myself and Coinbase ) has knowledge of my funds within Coinbase, yet my account had a breached when a serious increase in funds to which I've been denied access to my account after said incursion. My account has been stolen in more ways than one and I've lost all rights to my account as the owner. My account thus far is stuck in limbo with no method or date of release back to myself even after full verification of identication has been established.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an inquiry from XXXX  XXXX  and from citizens bank thats not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Bank of America XXXX XXXX has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed that its fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my credit ability to obtain credit.
Product: Debt collection

Constantly calling me at all hours of the day and night. Very combative person threatening me my property threatening to attach my Social Security my bank account if saying that if I dont pay theyll get me they made threats against the property and I have no clue who these people are they refused to give their name. A firm name or a company name. Then they want to hang up on me.
Product: Checking or savings account

This is a situation that transformed at Chase Bank. Unfortunately, on XX/XX/2019 some recurring charges came in to my account and made my account insufficient so, Chase charged my account {$34.00} Twice. On XX/XX/2019 same situation took place and Chase charged my account another {$34.00} Twice. On XX/XX/2019 some transaction took place and put my account into a negative and Chase charged my account {$34.00}. The rest is as follow : XX/XX/2019 {$34.00} - XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ).  The total of all the insufficient fund fees Total ( {$510.00} ). So all these excessive charges are done in less than a month. Unfortunately we all fall into a situation like this due to delay in deposited funds or hold that Chase places on checks or just simple oversight. I believe Chase should have a ceiling on how much they can charge in a period. I consulted with Chase bankers and they would not help. I am on fixed income and the funds that they confiscated is 50 % of my social security check. If all this deductions are not deducted from the account, there will be NO insufficient funds. for recurring charge of {$10.00} insufficient fund, Chase charges {$34.00} and so on and so forth. Chase should be more cooperative and understanding and not to excessively charge client account in this difficult and bad economy. I am on a fixed income and charging me {$510.00} for fees in one month is ridiculously absurd. I need your help in rectifying this issue with Chase and stop chase from overcharging the public. We are working hard to survive and pay our bills and not unethically to be given to Chase. I am on top my account and finances and usually if this issue repeated, I always add more funds to my account as needed. Thank you
Product: Credit reporting or other personal consumer reports

My account with CREDIT XXXX BANK, SELFINC/LEAD was never late! I have had exceptional payment history with CREDIT XXXX BANK, SELFINC/LEAD 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 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 months that are reported late 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. 


XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

To Whom It May Concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is n/a and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesnt belong to me and need to be removed please. Also the bext as well please thanks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

PNC DECLINED MY APPLICATION TO OPEN A BANK ACCOUNT SEVERAL TIMES ONLINE AND AT POTENTIAL BRANCHES
Product: Credit card or prepaid card

Hello dear cfpb I have XXXX XXXX XXXX Credit Card over year and i called to get credit limit increase and my request was declined based on phony fact that i am not using my card. I can not use more then 20 % of my card limit because it will have negative effect on my credit since my card credit limit is only {$5000.00} which is laughable because my XXXX XXXX credit shows i have fico score XXXX and i have credit limit {$99.00} with other creditor. I really think it not fair to not be able to get higher credit limit because i have great credit both business ans personal and i very good income and business revenue. 

thank you
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my TransUnion Credit Report. Someone applied for these accounts in MY name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST BE REMOVED ASAP!! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates.
Product: Credit card or prepaid card

After years and years of paying interest fees to Capital One, I was finally able to paid off my credit card. However, Capital One still decided to keep charging me for interest fees for a balance that was paid in two billing cycles XXXX thru XX/XX/2022. I was hit with {$14.00} for interest charges for XXXX statement that was paid in full. 

I called Capital One 's customer svc I spoke to a lady named XXXX in XXXX, AZ but she hung up. I called again and spoke to a lady named XXXX in XXXX. I requested to be transfer to a supervisor in the U.S and I've got XXXX in VA. The supervisor refused to credit me back the interest charges because, she said there was nothing else she could do. She provided me with the Capital One po box for their corporate office.
Product: Credit card or prepaid card

On XXXX XXXX there were a card open in my name fraudulently for the amount of XXXX I didnt authorize this card. I have send documentation to JPMCD as this is showing on my credit report.
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.

XXXX XXXX  : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed Account : # 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 1681 C, ( 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 1681 S-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 card

Citi bank closed my account you will see in the attached pic. also the account was up to date and was on autopay. back on XX/XX/year> i send them as the agent of the XXXX XXXX notice of claim to intrest as an order to pay with explicit instructions.Also attached was the coupon/bill of exchange that was properly filled out per ucc 3-204. Also again I did send out another notice to claim XXXX to cure 2 attempt along with the coupon/bill of exchange again with explicit orders. They closed an account that was on autopay and was current. Citi bank states that they dont accept that form of payment, that is untrue and most accept that form or payment. Also they refer to advances of funds and obligations to repay are to a PERSON I am not a person. They send a bill with an XXXX XXXX  ' name attached to it and expect me the man to pay that i fraud 18 usc 1342 another example of them commiting fraud is 18 usc 1025, Citi bank needs to be aware that per 18 usc 8 obligations of the united states , also 31 usc 3123, and ucc3-603 tender of payment.What i was asking for was fair and falls within the laws Citi bank has broken their fiduciary duties and has breach of contract. They disregard the Federal Reserve Act section 16 ( 1 ) and ( 2 ) and also section 29 ( a ) ( b ) ( c ) Tier.
Product: Credit card

On XX/XX/year>, a charge of {$830.00} USD was made to my account by AUTOONE XXXX IT, a car rental company in XXXX, XXXX. This charge was related to alleged damage to the vehicle I rented, which was actually pre-existing and not caused by me. 

Upon returning the vehicle, the rental company acknowledged that I was not responsible for the damage and had me sign a document in XXXX, which they said confirmed this. However, I later discovered that the document falsely claimed I caused the damage, resulting in the charge. I have photographic evidence showing that the damage existed before I rented the car. 

The following day, I presented this evidence to the rental company. After a lengthy discussion, they agreed to refund the charge, but no refund has been issued to date. I attempted to dispute the charge with my bank, Wells Fargo, but the dispute was unsuccessful, and the bank did not provide any reason for why it was not resolved in my favor. 

In addition, I have made multiple attempts to contact the rental company directly regarding this issue, but they have not responded to any of my communications. 

Given the fraudulent nature of this charge and the lack of response from both the bank and the rental company, I am seeking assistance to have this charge reversed and the matter resolved.