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

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX/XXXX/XXXX I bought a small 3 drawer chest from XXXX XXXX - as part of a promotion - they offered me an additional 20 % of the purchase price if I opened a credit card account with them. I had no idea that the credit card was with Comenity Bank - if I had known, I would n't have bothered. Anyway - the item was not in the store - so I had it delivered to the house. Upon delivery, I went online, printed off a payment coupon and mailed XXXX XXXX/Comenity Bank a check in the amount of {$270.00} ... this was done on XXXX XXXX and the check cleared on XXXX XXXX, XXXX. The account number was written on the check ; the check was written to XXXX XXXX - and, Comenity Bank applied the payment to my mother 's account - which has no balance and the account numbers are not even vaguely similar. I tried talking to these people ( XXXX/XXXX/XXXX - XXXX @ Comenity ) and she advised to mail my proof to Comenity Bank in Ohio. I mailed the info to Comenity - certified mail - and then another invoice came thru advising I owed even more money - some sort of late fee. I called Comenity on XXXX/XXXX/XXXX - they passed me around until I landed with someone called XXXX '. At first - he tried to tell me that Comenity had not received my info ... I advised that the certified tracking number XXXX indicated that Comenity received this info on XXXX/XXXX/XXXX ... he then said " Aha! Yes! It had been received '' and then proceeded to tell me that someone would get back with me and straighten this all out ... in the meantime ... I got ANOTHER late notice adding MORE late fees. If I do n't get this cleared up - I 'll end up owing them {>= $1,000,000} for a {$240.00} dresser. Please help.
Product: Money transfer, virtual currency, or money service

PayPal drafted {$500.00} out of my bank account, and has had the money frozen for 5 business days. They have apparently lost my funds.
Product: Debt collection

Your Name Your Address City, State, Zip Code CREDIT SYSTEMS INT INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in XXXX along with your license numbers and Registered Agent or Agent of Service. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX  I ordered a wire transfer from Goldman Sachs USA bank. Before the XXXX cutoff for same day delivery. A representative by the name of XXXX, at the Utah service center gave me the case # XXXX. At XXXX XXXX  I checked to discover it was NEVER received on my end. I contacted management and they said I should have it by XXXX XX/XX/2020. I still NEVER received it. They tried to process two transactions and steal one instead. While only informing me of one being delayed. I Never received any completed transactions. The representative was also very argumentative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened up any accounts other than XXXX XXXX XXXX. I have been incarcerated for many years and was unable to open ANY account while I was in prison. XXXX XXXX is the only bank I have given permission to my personal information. 
I have NEVER opened or requested an account from XXXX or any other bank to give me a line of credit or insurance. 

Items on my current up-to-date credit report are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 

I want all these accounts validated and removed under 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER
Product: Credit reporting

Received a credit report from Experian showing " XXXX SERIOUS DELINQUENCY '' & " XXXX LEVEL OF DELINQUENCY ON ACCOUNTS '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Experian credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit card or prepaid card

Chase offers a service called My Chase Plan that allows you to pay off a charge over time. They charge a monthly fee up front and once you commit to the plan it can not be canceled or paid off early without paying the full fee. I set up a 12 month plan for a dental expense I had charged XX/XX/XXXX for {$1200.00}. The fees were {$100.00} ( {$7.00} per month ). 

I had been paying off the interest savings balance each month and then one month I paid a little extra to cover new charges. They paid off the plan 7 months early instead of applying the payment to other charges. They claimed this is in their policy but this is not in any obvious place that I could find. Nor when I paid off the extra amount did it state it would go towards this plan. I expected it to go against new charges. I expected the plan to run for the full 12 months. Now if I don't pay off that amount from other charges I will also be charged interest.

I called and asked them to either reinstate the plan or reimburse me for the 7 months of charges for paying off my plan early. They refused to do either.

This My Chase Plan is deceiving to consumers and they should not be allowed to continue using it as is. They need to make sure that when payments go into a plan they are only paid as requested by the borrower. Not applying then payments whichever way they see fit. Please review their practices so other consumers are not scammed out of fees like me.
Product: Payday loan, title loan, personal loan, or advance loan

It does not matter howe many times I try to check out, or what page ( store ) I'm checking out from I will NEVER get approved by Afterpay. I'm sure they confusing my information with other customers, otherwise there's no other explanation. I keep on sending emails and I keep on getting the same response. This is getting out of hands and I believe they're something ( human made ) overriding those decisions. It makes no sense I have {$600.00} credit line and never been able to use it. Credit score on the XXXX and clean and secondaries credit bureaus also clean. I have no idea what is going on. 

Account needs to be refreshed, overridden and manually set to approve me.
Product: Credit card or prepaid card

First Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$29.00} late fee and {$55.00} interest charges Second Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$40.00} late fee and {$19.00} interest charges I have talked with XXXX and downloaded the Proof of Payments. By the way in XX/XX/XXXX XXXX changed the Delivery Method to 2 business day electronic. Prior to XXXX it was a 1 business day electronic delivery. 
I have talked with American Express. They say the charges are valid and I don't spend enough on the credit card for them to forgive the late fees and interest charges.
Product: Student loan

I keep paying my loan to Navient. In fact more than what is owed. Today XX/XX/19 I was woken up at XXXX XXXX  then they called every hour till I finally answered at XXXX XXXX. When I did they started saying I didn't pay but I had records from my bank I did pay on the XXXX. They looked back and seemed I paid. I asked why they are calling if I am up to date and they couldn't give me a reason. I don't appreciate them calling me that early, plus I work nights and this degree got me nowhere. On top of it I never got noticed that Salley Mae sold my loans to them. This is agrevaiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing that I have an account that is delinquent. However, this account is current, as payments are being made monthly. When I try to dispute this, the equifax page doesn't even give me the option to dispute this account. When I filed the complaint against the creditor through CFPB, you guys closed the case out since the company replied that it was not them, and that it was equifax mistake, not theirs. So i'm not sure whose fault it is, but you guys closed out the XXXX XXXX XXXX complain with their response so i'm assuming it's equifax mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

informed the company i had to take leave of abscense from work due to having XXXX XXXX  they piled late payments on me
Product: Vehicle loan or lease

On XXXX XXXX at Dealership XXXX  XXXX XXXX XXXX XXXX XXXX, Ill XXXX I was call in to finish up a pre approved vehicle loan with a down payment of {$500.00} plus XXXX XXXX they gave me {$1500.00} trade in value After completing the paperwork and license plates and insurance I and XXXX the finance manager sign I was giving the key after the plates were put on. Around 15days later XXXX call me and ask could I come back in to update my address because he put the wrong address and bring in a Utility bill with my current address But when I got there XXXX gave my paperwork to his Co worker to assist me when I went into XXXX XXXX office with him he began to become very verbally and physically aggressive asking me to give the keys back.I said no and try to leave and he became physically Abusive snatched the keys off my finger.causing injuries
Product: Mortgage

We tried to refinance our home mortgage with First Reliance Capital. I do not have enough space to explain the entire process. The quick version is on XXXX XXXX, 2016 we applied for a refinance mortgage. We felt we were prey to a bait and switch. Our first loan explanation was for {$240000.00}, points were XXXX. When we received the second closing documents before closing the loan increased to {$240000.00} and the points increased to XXXX. 
We then went through a long series of promised to lower the points, Despite all the documents, we did not have the loan we initially agreed in writing. 
We finally sent a certified letter requesting to close our loan. They again continued to call, hound us, plead to keep going with the loan process. We finally insisted to close the loan on XXXX XXXX, 2016. After firmly telling the loan officer we wanted to close she agreed. 
The next day her supervisor calls, again using very high pressure tactics to keep with the process. I told her she could send the documents but I still feel I want to cancel the loan. I then talked to our financial adviser. He recommended not to continue. I then sent an email asked to close our loan. 
I also phoned my bank telling them not to give any information. Reliance had already called after I asked to stop the loan process. 
I then received another call from the vice president of First Reliance, asking I call, I did not call him. He did finally email me and said he will close my loan. 
This is a very condensed version. There are many more details that are very important and I was unable to fit them in this space. I do have a letter that outlines what happened in full detail I feel this on line company used deceptive tactics, they used high pressure techniques to have me continue with the loan process when I asked to close our account. They also were very pushing with the homeowners insurance and the title company. I had complaints from both that they demanded things they did not need and were very demanding.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 

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

I send Equifax Dispute about XXXX XXXX  on my credit report Some time ago Equifax did not Delete the Inquiry from my credit report Equifax is in Violation and Violation of my Consumer rights and reporting inaccurately Information my credit report all Inquiry on my credit report all false and fraudulent. I have information from Equifax saying it was remove from my credit report all Inquiry are still there. Its allot of Misleading False Reporting on my credit report and all in Violation of Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was hacked through my email which caused me to receive multiple inquiries on my credit report that I am not familiar with.
Product: Checking or savings account

My deposit for my social security of {$1400.00} check went in a Navy Federal Credit Union account electronically and they wont return back to Social Security. I dont have an account with them. I have contact the over 3 times to do so. I have no income since the XX/XX/XXXX to live on.
Product: Debt collection

The place said in a message to my sister her full name and mine and a case number on message on her number. They threatened to sue my sister and me. I never got any correspondence or notice of a lawsuit from this place. When I called about phantom debt they never said yiu they were and never asked me to verify old information they had on me but couldnt let me know who the creditor was specifically, the dates the debt had occurred. They forced me to give my cureent information to them by threatening to sue me, garnish my wages and harass me with calls from spoofed numbers. I never got any correspondences or notice of a lawsuit from this place. I refused to sign a payment authorization after I searched the number they called my sister from and found out same number that calls for work from home job scam too. I have talked to multiple lawyers that say they have filed lawsuits against this place and they never respond back to them. Proof that they are scamming people about a phantom debt. They do not follow the FDCPA Law. The spoof numbers are XXXX. XXXX XXXX XXXX XXXX. 

The company number is XXXX. XXXX. And they person in the message is XXXX XXXX. When yiu call the spoofed numbers they go directly to his line. 


The XXXX number is a work from home scam number also which I have gotten harassing calls from them too same person XXXX XXXX. They call you from spoofed numbers about job opportunities They refused to mail me proof when I asked them to of showing the dates that phantom debt is from and to prove that they have it. 


The case number they said on the voicemail was # XXXX and calling from XXXX XXXX XXXX XXXX and person calling was XXXX XXXX Email address for them are XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute an account listed on my credit report under the collection account XXXX XXXX. According to my records, this account does not accurately reflect the details of the debt and may be reported in error. I am requesting that you investigate this account, as I believe it is not valid or otherwise inaccurate. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt, and I kindly ask that you provide : The name of the original creditor. A copy of the original signed agreement or contract for the debt. Evidence that this debt belongs to me. A breakdown of any balances, charges, or fees included in the collection amount. If you are unable to verify this account or provide the requested documentation, I ask that it be removed from my credit report. Please send me written confirmation of your investigation findings, and if this account is found to be inaccurate or unverifiable, kindly ensure its removal from my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Experian, I have meticulously scrutinized my credit report and noticed there are several items that have failed to meet the requirements for validation. I am entitled to correct information. I have one name and one address, but Experian reps refused to make corrections when phoned. 
Furthermore, Experian fails to report correct, fair, complete information and adhere to 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. Experian violates both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 

The following negative accounts : XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX were not supported with XXXX. Full payment history XXXX. Date of last payment XXXX. Date of delinquency XXXX. The original signature that I agreed to on the contract for this creditor XXXX. Has there been any insurance claim found on this debt? XXXX. Chain of assignment contract XXXX XXXX - charged off account per company 's statement, yet an amount reports for this line item ; this is now income and can not be reported on the consumer report. 

In regards to methods/ procedures used to verify validity - Who did Experian interview regarding each disputed account? How did they come to this determination? 

XXXX XXXX XXXX XXXX  XXXX and their executive team acknowledges receipt of the cease & desists across XXXX ( last notice received XX/XX/XXXX ) which extends to credit reporting agencies which is a medium of communication to the consumer outlined by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ) and thus subject to cease and desist requirements. Additionally, written notice of revocation of storing, sharing, buying, selling, transferring of any personal information or financial transaction history. Yet you continue to report despite permission being revoked. This is now aggravated identity theft. 

None of the above referenced companies can provide Experian with written proof of my permission to report to my credit profile. 

Such failures by the consumer reporting agencies can have threatens consumer trust in such systems of business, access and attainment of credit, quality housing employment opportunities, ultimately social welfare. 

Thank You