23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.

In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.

This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.
Product: Vehicle loan or lease

I have a n Auto loan with Bridgecrest Finance comp any when I lived in  XXXX . I am trying to get tags to my car in  XXXX . I faxed the a form for them to send my title to  XXXX  the end of  XXXX . I called them the beginning of  XXXX  to see if they sent my title to  XXXX . They said they did n't get the form. I faxed it again the beginning of  XXXX  and called them to see if they got it. They said they did get it and it would take abou t 3 to  5 days to get my title and send it to  XXXX . I have been calling them at least once a week to see if they sent my title. They keep telling me they have to get the title and send it. They keep telling me it will t ake 3 to  5 days. Now I have been out of work for 5 days and still ca n't get my tags because they are refusing to send it. My next car payment is due on  XXXX / XXXX /   2017  and I do n't have the money to pay them due to me being out of work due to them not sending my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get them to remove my fraud alert. 
I would like for them to REMOVE the fraud alert from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/21 The inquiries on my credit report XXXX are XXXX, XXXX, XXXX XXXX did not unauthorized report
Product: Credit reporting or other personal consumer reports

My information was exposed during an Experian data breach.
Product: Mortgage

In XXXX of XXXX, I applied for a PMI removal with Home Point Financial Corp. I was asked to pay a {$450.00} fee that was to be used for the home appraisal process. 

After the payment, I was given several more steps to do, which I responded to quickly, then the company suddenly stopped responding. I tried calling and asking about the status of my application, but was told they didn't know of any such application ( during most customer service calls ). In some calls I was told they had an application but it wasn't funded. 

After several months, I gave up on the PMI removal process and asked to at least be refunded the unused {$450.00} that I had paid for an appraisal to be done, since an appraisal had never been ordered. Given that the company denied knowing of such funds, they refused and simply said there's nothing they can do. 

I have deposit proof from my bank XXXX XXXX showing acceptance and check deposit by Home Point. I have since reached out again and they said they see the funds and will work on investigating. 
It has since been over 6 weeks with no progress, only updates that the request is in progress. I am concerned that I will once again be ignored, and believe 6 weeks is more than a generous amount of time to rectify the situation.
Product: Credit card

Selected category is not exactly the issue but none matched any better. Chase is looking into a fraudulent credit card application submitted in my name. I spoke with their fraud staff and shortly after the conversation received another email saying " Thanks for requesting a new credit card. '' Thinking it was another fraudulent application, I called again to check. Fraud staff advised there was only the one application - their reference number XXXX. After the call, we received another email saying, " Thanks for requesting a new credit card. '' Apparently, every time you talk to them this email is generated? This is very confusing. Once the application has been denied ( which they confirmed several times ), this should stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and realized I have 4 unauthorized credit inquiries. Equifax has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to XXXX  and Equifax and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a personal loan account with Money Lion in late 2021, where I received {$120.00} and a reserve amount of {$870.00} held back by money lion, while reporting that I had received the full loan and was making payments of {$96.00} per month for 12 months, and agreed to receive the rest of the {$1000.00} ( {$870.00} ) after the loan was paid in full. This was to attempt to raise my credit score to buy a house. A few months into the loan, money lion started reporting to my credit that I missed payments that I was not late on. When I disputed the remarks, it was never fixed, so I paid money lion completely off. And after signing the purchase contract on my house, money lion reported that I was late again. After that and with other things I was denied the home loan on the second credit pull before I could close on the house. I reported money lion again. Then it showed back up on my credit report within 24 hours. So I called them. They gave me the run around. Then the day I tried to rent an apartment, it was reported to my credit again, and I was told due to the credit reporting I would have to place the maximum deposit amount in order to rent an apartment and now XXXX is getting involved for us being XXXX
Product: Credit card

after financial trouble I settled for an amount on my chase credit card -- the final payment they claimed was returned on XXXX. On XXXX I called in and gave authorization to make the payment and was told they don't process same day payments. After some back and forth on a recorded line I authorized a payment for the XXXX since they couldn't process the XXXX. I asked would they be taking the funds out right away or would it take days to process. I was told it would be taken out right away but the payment doesn't show processed on their end when i am almost positive the payment showed pending in my checking account also from chase bank. I called to ask about the payment and why it would not show processed and got a rude impatient woman who just wanted to schedule another payment -- I asked why the XXXX  XXXX was and she claimed which is a lie that she has no notes or info from the call or the payment.
Product: Bank account or service

My nephew, XXXX XXXX XXXX XXXX, passed away on XXXX XXXX, XXXX. My Nephew had at least XXXX account with Citibank. I was appointed the personal representative of my nephew 's estate and notified Citibank of the appointment by letter dated XXXX XXXX, XXXX. I provided Citibank with a copy of the Court Order and Letters of Administration and requested that the bank liquidate my nephew 's accounts. Citibank responded to my request by letter acknowledging that it held an account in my nephew 's name. Citibank 's letter instructed me to provide the bank with ( i ) my nephew 's death certificate, ( ii ) letters of administration, and ( iii ) a notarized letter of instruction from the administrator of the estate. Per Citibank 's instruction I was to either forward the documents by mail or by fax. 

As my nephew passed away XXXX, it took several months to secure a copy of the death certificate. However, upon my receipt of the certificate from XXXX ( which certificate included an XXXX Language Translation ) I forwarded the documents ( i -iii ) to Citibank by fax as instructed. The documents were sent on XXXX XXXX, XXXX. It is now XXXX XXXX, and I have received no response from Citibank to my lawful request to liquidate my nephew 's assets. 

I do n't think that Citibank has acted correctly or lawfully. I am the court appointed representative for my nephew 's estate. I provided Citibank with evidence of the same in accordance with Citibank 's instructions. My appointment is a matter of public record that can be verified independently on-line by visiting the Probate Court for XXXX XXXX, FL. My nephew held at least XXXX account with Citibank which is property of my Nephew 's estate, for which I am the court appointed administrator.
Product: Debt or credit management

One payment for my mortgage company was rejected from bank. I didnt noticed or was notify that the payment didnt go through. I wasnt aware nor did the mortgage company notify me. Credit bureaus put late payment on my credit but wasnt my fault. Ive always made my payments on time.
Product: Credit reporting or other personal consumer reports

I have disputed charge offs and collections on all 3 Credit bureaus in pursuant to 15usc 1681b ( 2 ) ,15 usc 1692 and 15usc 1681n. XX/XX/year> I wrote each debt collector requesting removal of items off of my credit. XX/XX/year> I wrote dispute letter to all 3 credit bureaus in reference to the same items on my credit report each time via certified mail. These are only 2 of the many times I have disputed these items. I am requesting all negative items to be removed off of my credit report.
Product: Checking or savings account

I made a transfer of {$100.00} from my XXXX XXXX XXXX checking account to my Simple.com ( Banking Services provided by BBVA USA ) checking account. The funds were debited from XXXX XXXX on XX/XX/2019. The transaction showed up under " Scheduled Activity '' in Simple, with a note saying the funds " should deposit into Simple on XX/XX/XXXX. '' On XX/XX/XXXX, I checked my Simple account and noticed the funds were still pending and I did NOT have access to the {$100.00}. Yet, the funds are no longer in my XXXX account because Simple has taken the funds. I called Simple to understand why I didn't have access. The customer support agent was unsure and said he would file a Missing Credit Case.  However, he could not give me a timeline as to when the funds would be retrieved. In short, {$100.00} has been taken from me, I don't have access to the funds, and the bank that took the funds can not tell me when or how I'll get the funds back.
Product: Credit reporting or other personal consumer reports

I sent the letter on XX/XX/2023, letter the reason why I sent this letter XXXX said everything was complete and accurate on my credit report. Here is my certified tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The reason why I sent this letter is because XXXX said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within XXXX days according to the law. And I haven't received anything, and it's been over XXXX days. This is very frustrating, disappointing, and stressful!
Product: Debt collection

Forbidden third party was contacted regarding a debt and details were disclosed to the party. Phone number is still being reported to various credit bureaus and is not associated. When the company was confronted they refused answering the questions or requests to remove the unassociated number, stop calling/harassing, or sharing private information to a third party. 
When requesting to speak to their lawyer, the number provided was unassociated to the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The online reporting portal states the account bearing the credit profile with my name has been suspended. Why do I not have access to what's being reported? The username and password are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all prior work/jobs on my report and old addresses, I am no longer living. Please only use my current and up to date adress.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from carmax I barely had the car for a year and had mechanical problems with it. I found out it was the engine. I took it carmax and I told them about the problem and asked them for an exchange for a different one they refuse too and on top of that expensive problem I had to replace the battery that cost me {$230.00} it had battery acid on it and it damaged some other parts of the car. They temporarily fixed the problem do once a customer drives it off the lot they know they would blame the customer for the problem even though it's carmax problem. They sold me a lemon car knowing the car had problems. I gave up the car around XXXX they have been putting it on my credit report as a charge off for five years even though they closed the account. They won't stop destroying my credit report. They know that the statute of limitations in Texas was up in XXXX but they constantly charge it off ever month and year.
Product: Debt collection

I received today a letter, dated XX/XX/2023, from J.P. Morgan/Chase , demanding that I pay a past due amount of {$10000.00}, account number ending in XXXX, stating that a payment had been made to me through an account set up by XXXX. They are asking that I wire a payment to JPMorgan Chase Bank , N.A . They do not say when I allegedly received these funds or give any specifics on any alleged application. 

I have never had an account through JP Morgan or Chase. I have never heard of XXXX. I have not applied for this credit or received the funds. 

I have not attempted to contact JP Morgan because I just opened my mail that I received today and it is past the XXXX XXXX time of their office hours.
Product: Debt collection

XXXX XXXX has placed a collection item on my credit report with the credit bureaus. That collection item showed up suddenly and does not belong to me. The name on the debt is not my name, yet was the debt was still attributed to me and placed on my credit report. This is deeply problematic as it prevents me from getting a home loan. 

On Wednesday, XXXX XXXX, 2018, I contacted XXXX XXXX ( through XXXX XXXX ) and informed them that the collections placed on my credit report with the credit bureaus represent a debt that does not belong to me. I informed them that the name on the account is not my name and I have never gone by that name, in fact, the surname is not my surname. 

XXXX XXXX refuses to remove the item from my credit report. I need the assistance of the CFPB with getting this wrongful collections item removed so that I can move forward and be able to secure a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting calls from various credit card reduction companies which actually end up taking 33 % of the payments sent in to them to be applied to a person 's credit card balance. Before being XXXX, I worked in XXXX and so understood these are not non-profit companies and have refused the services of all of them. It is difficult to remember the names of all of them and they also use different phone numbers when calling because I do have " caller I.D . '' Quicken Loans is the company that calls the most often and whom I have emphatically requested they do n't call me again. I have some high credit card balances ( 2 ) and I have already made arrangements with the one with the highest balance because I want them to eventually get all the principal owed to them. I tell the companies I have already made arrangements and not to call me again but they call several times a week. According to Lending Regulations, a lender is not to call before XXXX XXXX or after XXXX XXXX and not more than once a week unless it is a direct mutually agreed upon second call but these places do not abide by these regulations. One of the places was a power company I specifically said NO to and I was already on an energy assistance program I had waited in a que to receive. They not only changed my supplier to them but it automatically knocked me off the long awaited " XXXX XXXX '' electric program which is a wonderful, non-government program. I worked very hard when I was able to work and my health has deteriorated drastically. I am on XXXX XXXX XXXX and can not take the stress of these calls and how pushy the people are. Many of the calls are company from XXXX and XXXX. Please help me to stop these calls and calls asking for donations ( like the XXXX ) because I simply do not have the extra money for these political and charitable entities.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had account on my report. Please remove these account from my credit report they are hurting my ability to obtain credit.
Product: Credit reporting

XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution.
Product: Debt collection

I have received harassing phones calls and emails from XXXX XXXX at Global Solutions Biz, LLC in reference to my company, including contacting family members! However, I have not received any legal notice/letter of any debt through the physical verification of the original signed consumer contract according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). This is a violation of the both Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have sent 2 Cease and Desist letters to Global Solutions Biz, LLC on XX/XX/XXXX and XX/XX/XXXX and yet I received another phone call from XXXX XXXX which is now evidence of a violation of the cease & desist on XX/XX/XXXX. 

GLOBAL SOLUTION BIZ, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX You are hereby notified under the provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer needed or desired in this matter.

You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state Attorney General 's Office. I will pursue all criminal and civil claims against your company. 

Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future. 

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle my account with the original creditor, if I ever am able and the statute of limitations hasn't run out.
Product: Money transfer, virtual currency, or money service

I logged on to my bank account at Pennsylvania XXXX XXXX XXXX XXXX and selected transfer and selected the XXXX to transfer money from my account personal checking at XXXX to my personal checking account at Navy Federal Credit Union. I then added myself as a contact to complete the transfer along with my Navy Federal bank account number and routing number. The XXXX program showed my bank account as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Navy Federal Credit Union listed as the bank - appearing correct. It accepted my bank account and routing number allowing me to make the transfer. I never received the money after the {$150.00} transfer cleared on XX/XX/year>. I made multiple phone calls to XXXX, XXXX and NFCU with no resolve. I filed a dispute with XXXX and it was denied - they said I entered the account number therefore I authorized the transfer. However I was arguing I didnt receive the money. I was told that the first XXXX digits of the account number didnt match my NFCU account number. I still to this day can not see the full account number I entered on the XXXX application provided through XXXX and should not be penalized for this. I asked XXXX to return my money due to this set back with their application and still havent received the money or a return call from bot XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 my 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 XX/XX/year>, XX/XX/year> and XXXX XXXX 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 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