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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a problem with card benefits from XXXX preferred credit card. I paid service fee every year but when I have a problem with lost luggage and delay luggage, I don't see anything benefits as credit card described. I also opened case and also complaint with team, but they inorged me, they didn't want to resolve my problem. They only reply my email that they understand. What happened? I don't want to hear that. I want to resolve my problem Here is my case from XXXX to now Thanks for reading my email
Product: Credit card or prepaid card

I purchased a freezer from sears on XX/XX/XXXX for XXXX with a 0 % interest payments for 3 years. 
I setup the account and set it up to use the make the minimum payment to pay off the account. 

Every month i was sent an email with the amount paid and left. 
amount bill date payment due date {$690.00} XX/XX/XXXX first bill {$6.00} XX/XX/XXXX {$600.00} XX/XX/XXXX 1 year bill {$6.00} XX/XX/XXXX {$530.00} XX/XX/XXXX 2 year bill {$5.00} XX/XX/XXXX {$480.00} XX/XX/XXXX last normal bill {$4.00} XX/XX/XXXX on the last month of the 3 year term instead of the minimum payment required being the lump sum left on the account, it charged me an additional {$710.00} in interest. 

None of the automated statement emails contained any mention that the remaining lump sum was not going to be auto paid as I expected with a balloon loan. Nor did the email contain any mention of an accrued {$710.00} in interest. Nor did they mention the end of the promotional term. Nor did they mention that an additional interest charge had been applied. 

After several years of watching the auto payments I got complacent and stupidly trusted that their software would just handle making the necessary payments to payoff this purchase. 

All of my credit cards are set to auto pay of the entire balance every month.

This sears  ( citibank ) card is the only one that was setup to pay off the minimum amount. 
I only did it to take advantage of the 0 % interest for the purchase. 

After I spoke with several people at citibank, I was told there was nothing they could do about it. They would have helped me if it was within a month of the scam ( my words ) deploying on me. but not a year later. 

Its now XX/XX/XXXX and I am doing my annual review of the statements and I just realized what happened. 

I owe {$1000.00} on this card Since stepping willingly into this trap I have paid {$210.00} in first 3 years. 
{$400.00} in last year And I just paid had to pay {$1000.00} additionally to extricate myself from this outrageous scam. 

so in order to benefit from a 0 % interest payment plan I paid a total of {$1600.00} for a {$690.00} freezer from sears. 

In summary : These 0 % plans are an intentional trap laid to snare the unwary to garner huge interest payments. 
their auto pay feature online is deceptive. 
It does not make clear that the minimum payment will not charge the remaining balance at the end of the term ( balloon payment ) It does not auto calculate the amount necessary to pay off the balance in the time window necessary to avoid the outrageous " accrued interest '' The email statements do not include any mention of the terms of the 0 % interest plan : No time remaining on the 0 % window No mention of accrued interest No mention of last month Nothing. Same as every other statement. 
You have to login to their app to see that. 
Unfortunately, I can't even see that now because they don't even allow me to see it after a year.
Product: Mortgage

My realtor recommended XXXX XXXX from Axia Home Loans as early as XX/XX/2019. XXXX got my Certificate of Eligibility from VA dated XX/XX/2019. And I haven't heard anything from him. After few months XXXX called me and introduced herself as she will be assisting XXXX on my loan. I submitted all required documents date XX/XX/2019. 

The builder sent XXXX letter dated XX/XX/2019 informing him of my original closing date of XX/XX/2019. I was surprised that I have not heard what the next steps in loan processing from XXXX. 

To make things worst my house got sold and the closing of the new owner corresponsed to my initial closing date but my didn't happened. 

My realtor called XXXX and was told that my closing is XX/XX/2019 which I do not know where the date came from. 

My house got sold and I moved out on the XXXX of XXXX not knowing where to go. I ended up staying in a hotel with my mom from the XXXX to XXXX of XXXX trusted the company that I will be closing to my new home. But didn't happened at all XXXX came in to my house on XX/XX/XXXX rushing all the information/documents needed again to be submitted which I comply again. Though everything was submitted on XXXX. 

Then XXXX called my realtor saying that the underwriting will send out a Decline Decision on the same day again that I supposed to closed ( XX/XX/XXXX ). Checking out on the hotel and found out I do not have a place to stay. My friend offered but she got a family emergency. Then now we are staying at my brother 's house and I have to share at least {$300.00} a month for the 2 rooms that me and my mom are occupying. 

Axia compliance manager reimbursed me with the hotel ( XX/XX/XXXX to XXXX ) and the movers and 1 month rental of storage. But till now until I get into the new house need to pay the storage fee. 

XXXX know his job pretty good I supposed cause he was recommended by my realtor. But why in my case, he took his sweet time to help me with my loan. XX/XX/2019 he got the VA LETTER then I submitted everything on XXXX. The only thing XXXX said because my salary is small that's why it fell through. I worked and I received DIC from VA. If he did his job that so many months have passed I have nephew to help me with the loan. But no information was shared to me. XXXX discriminated me to get the roof over my head. which my XXXX Veteran husband wished before he passed away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a 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 an 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 or 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 card

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices. provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information. to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute. fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease. and desist. Also, during this validation period, if any action is taken which could be considered. detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your
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 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX these accounts have violated my rights. 



XXXX5 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

XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Product: Mortgage

XXXX XXXX does not follow their published payoff terms and dates After vtrying to notify them of my fathers death they asked for a copy of trust agreement showing me a the trustee which I mailed on the day they gave me the information they requested however three days later I receive a letter stating that I had 8 days to respond to this letter which said they did an inspection and need me to prove intent to sell and that I was maintaining the property when they had already received that info and if not rectified they would change locks and proceed with charging me fees. after looking this company up on line they have numerous complaints about the same unethical practices.This has been going on for years and no action has been taken by any government agencies. these other people lost homes due to the misrepresentation of this company I feel like no one cares as this company basically steals the people money
Product: Credit card or prepaid card

After being enlightened regarding several unauthorized charges on a chest bank.of of America claims to have different policies for its XXXX customers on the prepaid card then it does for its regular customers and honoring provisional credit standards set out for all the population. I asked the question whether we were discriminated against in that Arena I was simply told that they process claims in the order that they received them despite its policy for regular non XXXX folks. Standard 48 hours for provisional credit should be honored for XXXX folks the same as it is for regular folks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act account number XXXX has violated my rights 15 i 15 u.s.c 1681 section 602 A ..state that I have the right to privacy. 15usx. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DBA Equifax and XXXX for {$530.00} form XXXX XXXX XXXX on XXXX XXXX2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX recently reported my student loan account as XXXX XXXX late to Experian, and other two bureaus. However, I was never properly notified about the delinquency. All XXXX communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted XXXX directly to request a Goodwill Adjustment, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the XXXX late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.
Product: Debt collection

They have called several times and when I answer they hang up, other times they say they need my full name and birth date and when I ask who they are they hang up. I called them to make them stop and give them proof I don't owe them anything and they refuse to take the information and start getting rude demanding additional personal information.
Product: Credit reporting or other personal consumer reports

Victim of Identity theft. 
Defamation of Character & Failure to properly investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I Submitted a complaint to you all regarding XXXX XXXX reporting my XXXX XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( XXXX, XXXX, Experian ). XXXX XXXX followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the XXXX  XXXX bankruptcy information was not removed and XXXX XXXX did not complete the demands stated. They actually did nothing. I am at Witts end with XXXX XXXX. XXXX XXXX has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. XXXX XXXX, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. Experian, XXXX, and XXXX all obtained this information illegally from XXXX XXXX under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been through this same issue with XXXX and several collection agencies and the debt is removed then it is transferred to another collection agency. I have never done business with XXXX or any of it's affiliates. I don't owe any collection agencies on behalf of XXXX. I have never provided any of my personal information such as social security number, name, date of birth etc. to XXXX. I have never conducted busines with XXXX or I.C. Systems. I received a letter from I.C. Systems trying to collect a debt on behalf of XXXX which I don't owe. I have never done busines with I.C. Systems or XXXX. I would like this account closed and I don't want to be contacted by XXXX or any of its affiliates or any collection agencies on behalf of XXXX. As I have stated I have been through this several times and I am starting to consider this harrassment.
Product: Student loan

I attended a school that was closed down just a couple months after I had signed up. The teacher refused to come to school due to their pay being cut as well leaving us with out a correct attendance.. I have tried to explain to Navient the situation. They mention they were unable to do anything I pushed the matter further and have spoken to many of the higher authority which was just circles after circles. They mention they did n't have any information that I will have to contact department of education. I requested my transcript in which information was incorrect I have never signed any paper to withdraw. I had to go through department of guartuneeship. I was forced to pay the full amount unable to settle I am a single mother that is trying to make a better life for my children and purchase a home the only way I am able to was to pay this off. The customer Service was horriable Navient did not report to my credit for two months making my credit go down. After I contacted them after payment they mention they were unable to see my account!
Product: Credit card

Chase does not put a Guide to Card Benefits on its website. I told Chase that I thought that was because they were trying to make it harder to claim card benefits and Chase did not contradict this claim. So I 'm asking that CFPB ask Chase why it does not post on its website a link to its Guide and, absent a compelling reason, order it to do so and initiate a rule making to force all credit card issuers to do so. 
My most recent correspondence with Chase is below. I have earlier emails, but they do n't fit in this block ( and do n't add much useful information ). 
Thanks, XXXX XXXXDate : XX/XX/2015 XXXXFrom : Chase Card ServicesSubject : Re : Account InquiryMessage : Dear XXXX XXXX , We consider your concerns to be one of the most integralparts of the improvement process. I certainly appreciatethe time you have taken to share these concerns. As aresult of comments such as yours, we gain more insight asto how well we are servicing our customers. Please beassured that I have forwarded your comments to theappropriate management for their review. 

The benefits of your card were sent to you when you openedthe account and any time there is a change or update youwill be notified of these changes. You can request themost current guide to benefits at any time by call thenumber on the back of your card or send a message throughthe Secure Message Center. 

If you need any other assistance, you can send us a securemessage. We appreciate your business and thank you forchoosing Chase. 

Sincerely, XXXXSenior Service SpecialistPhone : XXXX EXT. XXXXFax number : XXXXHours : Monday - Friday XXXX to XXXX Central TimeXXXXOriginal Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thanks for your reply. 

Please pass this message on to your supervisor with arequest that he/she pass it on to the person who makes thedecision not to put the guide to benefits online. 

Please tell me WHY the Guide to Benefits is NOT online. 
Every other institution in the USA puts full info on theirwebsites. Why would n't Chase. Doing so would reduce yourcosts of mailing the Guide or answer questions like thisone. That leads to me to think of only one reason : It'seasier for Chase to deny benefits if customers do n't knowwhat benefits are due to us. If I 'm wrong about that, youwill have a persuasive reason. If I 'm right, then youwo n't admit it but I hope I will shame you to do the rightthing and post links to the PDFs of each Guide to Benefiton the page where we get our balances. Thanks for '' listening ''