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

I'm in the process of monitoring/cleaning my credit when on XX/XX/year> Debt Collection Agency XXXX XXXX XXXX placed this debt on third-party credit reporting agencies ( XXXX, Equifax and XXXX ) without first disclosing to me in writing or electronic form, thus violating my Consumer Rights under 15 U.S.C. 6802. 

My first contact with XXXX XXXX XXXXXXXX was via email on XX/XX/year> notifying me of the debt requesting a payment. On XX/XX/year> I replied notifying the above violation requesting them to remove this account from all reporting agencies and issuing a Method of Contact Disclosure. They flagged my account as being disputed but meets FCRA requirements. The account remains on my credit reports negatively affecting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the company to send me the original signed contract, pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. They have not provided these documents to me but, they are still reporting the account as verified as accurate.
Product: Credit card or prepaid card

I booked a hotel with Chase Sapphire Rewards using points for one night on XX/XX/2020 in XXXX XXXX. It was XXXX points ( equivalent to {$160.00} ). The reservation was originally listed as " nonrefundable ''. 

Here is the reservation information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Al, XXXX XXXX XXXX Reservation dates : XX/XX/2020 - XX/XX/2020 Itinerary # : XXXX When my trip was approaching, I could not travel out of the country due to COVID-19 and XXXX put out a policy saying that it would refund all reservations during this time, even nonrefundable ones. 

On XX/XX/XXXX, I called Chase Sapphire Reserves to cancel the reservation - they put me on hold and called the hotel. They came back on and told me that they couldn't cancel the reservation and refund the points until the hotel cancelled it on their end and agreed to refund it. They told me that I needed to email the XXXX XXXX hotel and request this. I called and emailed this hotel multiple times - there was a significant language barrier as you will see in the attached email correspondence. They kept telling me that I booked this through XXXX and paid in cash, which is not true. I finally got them to tell me on the phone that they had never received any money for the reservation, and they would honor the cancellation. 

I have called Chase Rewards back 3 times since then, each phone call taking almost an hour with wait times - every time I got through the same process of them calling the hotel, then them telling me to email the hotel. I explain that I have already done this and that they just need to refund the points at this point. Twice now, the agent has said that they are filing a request with the hotel and then once the hotel confirms their cancellation policy, they will refund the points. The trips dates have now come and gone and still now refund - now I can't even reach an agent with Chase Rewards because my trip isn't within the next 72 hours. 

I want either a credit in points or dollars for what I am owed.
Product: Mortgage

Ive been late on my mortgage every month for two years. After I re financed My mortgage Wells Fargo went up on my monthly payments 3 times saying I was forcased to not have enough in my escrow.So why this keep happening. Do they know how to calculate?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I acquired an auto loan from Westlakes Financial. Monthly payments beginning XX/XX/XXXX. On XX/XX/XXXX I got an unsecured personal loan from XXXX XXXX to pay off Westakes. Now a year and a half later, I tried to finance a vehicle and was denied due to a charge-off on my credit report from Westlakes. I immediately contacted Westlakes and was told that the pay off was short by {$30.00} by XXXX XXXX and now interest had accumulated to {$97.00}. I paid this immediately that evening to resolve it. Now, my account status says Account Paid - Was a Charge-off, which is ruining my credit. I have been denied by numerous banks because of the charge-off. I have made countless phone calls to Westlakes. About 3 different employees at Westlakes looked at my account and said the charge-off was not my fault. All of them said it was common sense that it was not my fault. I was told to call back a week or so later for a final decision on whether they would remove the charge-off. When I called, I was told they decided to not remove the charge-off. If CFPB requests phone calls made by me, you will hear the employees and one supervisor say that the charge-off was not my fault. Westlakes has been sued in the past. They have a history of taking advantage of people with poor credit. CFPB forced Westlakes to pay XXXX XXXX dollars in damages. One of the things Westlakes has been sued for is for breaking or changing contracts without informing clients. I have attached a copy of our contract. The contract is good through XX/XX/XXXX. Westlakes broke our contract and put a charge-off on all of my credit reports over {$30.00} owed, which I was never notified about. The amount was paid and the {$97.00} in interest was paid as well. This financial institution has a history of this sort of activity. To further show you the type of questionable activity that happens at Westlakes, I have attached two letters sent to me and my wife from Westlakes. At the beginning of my search, I tried to finance a car through Westlakes. In the rejection letters we received, we were both told that we were denied due to a previous repossession with Westlakes. My credit reports will show that neither me or my wife have ever had a repossession with any financial institution. Finally, I have also attached a copy of the Westlakes contract and the pay off check from XXXX XXXX to show the documentation. Thank you for your time and for your help.
Product: Debt collection

I have been contacted by CMRE three times about a debt I know nothing about. I have asked them not to contact me in this regard and my request has not been honored. I have never been a patient at XXXX XXXX. I went on XXXX  and that hospital is about 3 hours away from me going one way. I have never been contacted my XXXX  about the unknown debt but all of a sudden I am constantly being harassed by CMRE. I will be filing a complaint with the FTC and the AG office. I want them to cease and desist.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX AV XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX collection : 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
Product: Checking or savings account

Ally Bank has been requested to close all accounts opened in my name without authorization. Several disputes for the unauthorized use of my information have been made and to this date the financial institution has refused to act appropriately. I continue to receive calls from representatives regarding new accounts being open and access remains for accounts that have been disputed. Unauthorized activity remains unaddressed and dispute for unauthorized/improper debit remain unresolved. 

XXXX XXXX continue to provide false statements contradicting recorded calls and obscuring resolution process.
Product: Credit reporting or other personal consumer reports

i have late payments back in 2021 due too being sick with XXXX XXXX. 
i have contacted company to have them removed under the cares act with no regard please help to remove these late payments off of credit.
Product: Debt collection

Received collection call from debt collection company called National Enterprise Systems, on XXXX XXXX, 2017 at XXXX XXXX in XXXX XXXX, number that called XXXX XXXX ) XXXX, regarding student loan private loan debt, demanded that I give them an answer regarding my solution to pay off the debt within an hour, demanded that I had to call my cosigner ask the cosigner to put the debt in a credit card to get rid of the debt and get rid of them, pressured me to call back within an hour with a solution, was insensitive to my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Communicating with Chime, going on 3 weeks now. 
I have saved up money overtime within my XXXX account. I thought about having a Chime banking account. I heard great things about the Chime online banking services. I decided to have my money to be housed there, therefore I opened both a checking and savings account with Chime bank online. All of my money was out of my XXXX account and into what I thought was a legitimate financial institution, went into both checking and savings accounts, subsequently and combined to a total of {$21000.00}. Chime, without notifying me or providing any documentation by mail, has closed both of my checking and savings accounts. Since XX/XX/2020 I have not been refunded of my money. The Chime bank never gave me a better understanding as to why my accounts with all of my money in it should be closed. I complied with all of the rules of this bank. I provided all of my identification, proof of address, and a written explanation on the origin and intended purpose of my money via email to them. It's been well over 2 weeks that I haven't gotten a response or seen a delivery of my check in the mail. According to their deposit agreement, I and the bank can close my accounts for any reasons. Also, the bank has within 14 days to issue back to me my balance if it's over {$1.00}. I haven't seen a dime of my money. I have to take care of my family with this money. I want my money back. I can not ever get a hold of someone at this bank by calling their XXXX number nor a legitimate explanation as to what's going on with my money and the whereabouts of my money whenever I have spoken to the bank representative. I just want my money back. I feel as though they've violated me beyond my civil rights. All of my communication has pretty much been communicated through emailing them at this email address XXXX. And whenever I've called, I'm not getting nowhere to a resolution about my money being refunded. I have waited out the following 14 business days because after an account closure the bank supposedly will refund the money in the accounts. I spoke with Chime Bank floor Manager XXXX, XX/XX/2020. All relevant information requested was provided to them. And XXXX acknowledged receipt of those documents. According to her, the accounts are closed and the system won't generate a refund. XXXX stated there's no refund. This Chime bank fraudulently took my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my mother opened a credit card through XXXX XXXX XXXX without my knowledge or permission. I had not lived with her since XX/XX/XXXX. I have never seen the physical card, nor have I been able to access this account. I did not make a single transaction with this account. I learned of the existence of this account when it became delinquent on XX/XX/XXXX and dropped my credit score to the 500s. This account has continued to negatively affect my credit score due to missed payments. However, on XX/XX/XXXX, with this information, XXXX XXXX XXXX concluded that this account was not fraudulently opened with your information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy. 

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is XXXX XXXX XXXX
Product: Debt collection

XXXX has yet again sent me to another collection agency after me disputing it, the first dispute resulted in them removing the collection but have now put it back on my credit using a different company, I tried disputing it either new company called Diversified twice but they wont remove it, at first there was an amount of XXXX dollars now the amount doesnt show.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on Experian, 9 on XXXX and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.
Product: Mortgage

From my understanding that Nationstar will not give extension until they get the approval from XXXX. The first had approval for Nationstar was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX XXXX member is XXXX and I have to tell him this disappointing news.
Product: Money transfer, virtual currency, or money service

I don't like the fact that they are asking me what I'm going to do with the card that they are refusing to give. Its not there job to ask!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed dispute letters XX/XX/2022 to XXXXXXXX XXXX and transunion. Sent a demand to comply letter XX/XX/2022. No results received, nor any communication
Product: Credit card or prepaid card

I received a notice on XX/XX/2023 from XXXX XXXX XXXX that my credit limit has decreased. I was not aware of the decrease, until I logged into my credit report and my credit report had dropped by XXXX points because of this decrease in my credit limit on my Venmo Visa Card. I have no outstanding balances on this card. 
On XX/XX/XXXX I called and asked why and they had no answer. I asked them to reinstate the original limit of {$6000.00} and they denied keeping the new limit of {$1500.00}. 
According to the CFBP I should have received notice of this decrease, but I did not. In addition, this decrease is affecting my credit score and the amount of funds I have access to. Please advise.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies. The XXXX credit bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify. 

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

My name is XXXX XXXX. The XXXX XXXX account, account number XXXX with charges of {$230.00}, and the KIKOFF LENDING LLC account, account number XXXX with charges of {$120.00} are unauthorized accounts. These accounts are fraudulent. I submitted a FTC report for the charges at hand and sent the documentation to the XXXX credit bureau where I seen the charging for them to remove it from my and stop reporting. I will be filing a lawsuit.
Product: Student loan

A student loan from Wells Fargo was taken out by my daughter who e-signed for {$15000.00} for XXXX XXXX on XX/XX/XXXX. She used me as a cosigner without my consent and again e-signed for the loan. I was at work at the time at a XXXX  XXXX XXXX and was unable to use a computer to e-sign for the loan I did not give my daughter permission to use me as a cosigner. She has since defaulted on her school loan which has left me financially responsible for it. I have contacted wells Fargo about this incident. I even hired a lawyer to try and resolve this issue They keep sending me fraud packets of which I have sent them the documents that I feel are relevant to this case.. They wanted hand writing samples which I said were not pertinent to my case because nothing was signed. It was all done on the computer. 
I spoke to XXXX XXXX XX/XX/XXXX about the fraud complaint and they are giving me the run around. I only have a few more days and if I don't give the hand writing samples they are closing the case and I will be responsible for paying the full amount of the loan. The person I spoke to didn't seem to have a clue to what I was talking about. And said he would get back to me within 10 days which would be well past the 14 day time limit that they gave me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX