23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

a XXXX XXXX at XXXX has been calling a friends phone number being extremely aggressive trying to get information about my whereabouts. I obtained the phone number and called her back. She said I took out a loan from XXXX XXXX XXXX  acct number XXXX. But the account is in collections with a XXXX XXXX XXXX at XXXX. This XXXX at XXXX from what I understand was rude and threatening ; to the point that it was harassment to the friend of mine she called. When I spoke to XXXX she also alluded to that her company would harass me on my job or phone. I would rather work out a deal with the actual company XXXX XXXX XXXX XXXX ) once I verify the loan is legitimate and this isn't a scam. I would like XXXX XXXX at XXXX and XXXX XXXX XXXX at XXXX to not get it touch with me ; I am fearful of them and fearful that they have shady practices. I should not be afraid in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Mortgage

I purchased my home at in XXXX XXXX. The Loan was through XXXX Bank who then sold the mortgage to a company called Nationstar Mortgage. This occured in XXXX and my XXXX property taxes were due to be paid out of escrow. Nationstar Mortgage never paid the property taxes and I was never given an escrow check or compensation for this failure. I only discovered this fact as I went through the process of refinancing. Nationstar Mortgage 's failure to pay property taxes when they were due, out of my escrow account caused hundreds of dollars in fees to accumulate on the account. Since I am ultimately responsible for my property taxes I paid the property taxes due from XXXX on XXXX XXXX, XXXX to include the accumulated fees and charges. To attempt to resolve this issue with Nationstar has been a nightmare. I have since received part of what is due to me out of escrow and am waiting to receive the final balance on my escrow account as my loan has been paid and closed due to my refinance. The part Nationstar will not assume responsibility for or offer payment for is the late fees and charges that built from their failure to pay XXXX taxes. My intended resolution for this conflict is for Nationstar, at a minimum, to pay the difference of {$490.00} in additional fees that were accumulated due to their error in not paying my taxes. I have attached a spreadsheet summarizing the cost analysis and included is a link to the city of XXXX property tax records to verify the information. I am thankful I caught this issue when I did because if it continued to go unnoticed it could have resulted in a tax lien on my property and potential for my own home to be sold out from under me. I had to pay out of pocket to resolve this issue initially and am now waiting to be compensated by Nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EQUIFAX furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I closed my XXXX Account, after paying what I believed was my last bill. There was another bill that was issued by XXXX and mailed out, but I never recieved it. This was verified by the postal office and XXXX that the mail was rejected, thus confirming I had no way to receive the bill. XXXX closed my online address so I could not view the bill for that account online and had no way to access this information. 


Despite regularly doing soft checks on my credit score, and having a score of XXXX on XXXX and XXXX, I was shocked to see my FICO credit score was XXXX with a severe delinquency status due to the bill at XXXX. On XX/XX/XXXX, I got access to this new information and immediately paid off my bill. XXXX has written off and closed my outstanding bill since then, but they refuse to remove my delinquency status from the credit bureau 's despite confirming that I had no way to access my final bill. This is unethical and immoral, as I have perfect credit history with my bank, to the extent that they have tripled my original credit line. I also have perfect bill history with XXXX on multiple addresses over the course of numerous years. This issue should be resolved as I have immediately paid off my bill, and have been in good standing in every aspect of my credit beyond 1 bill that was never delivered to me.
Product: Vehicle loan or lease

I XXXX XXXX are exercising my Right to Rescission 15 U.S. Code 1635 1026.23 for SIMPLE INTEREST VEHICLE CONTRACT FOR SALE AND SECURITY AGREEMENT & VEHICLE RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT established on XX/XX/XXXX, with EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I am not liable for the debt amount acquired due to this was not a Credit Consumer Transaction under 15 U.S. Code 1605 - Determination of finance charge. This information was not disclosed to me at time of sale or business.

2.

3.

My finance charge with connections to my consumer credit transaction was not the sum of all charges as provided in 15 U.S.C. 1605 section A. ( 15 U.S. Code 1640 - Civil liability, section A ) any creditor who fails to comply with any requirement imposed under this part, in
cluding any requirement under section 1635 of this title, subsection V 15 U.S.C. 81605 part A-F 15 U.S.C. 8 ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
XX/XX/XXXX, I was charged Emission inspection fee {$35.00}, Documentary fees {$490.00}, Taxable selling price {$8500.00}, sales tax {$710.00}, Title Fee {$29.00}, First Centennial Warranty Insurance {$2100.00}, GAP {$380.00}, Trade in Allowance {$500.00}, Trade in sales tax credit {$41.00}, Deposit/partial payment {$3000.00}. I paid in cash & with debit card. These charges are considered a criminal act on behalf of the creditor against obligor and were to be covered under the Finance Charge.

15 U.S.C. 8 1605-part A - F, 15 U.S.C. 8 1601-1667f, Tillman Act of 1907 ; Were violated by Exter Finance Corp & EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as highlighted in yellow on attached contract documents.
Product: Debt collection

I have full coverage insurance with XXXX. I do not owe {$1100.00} with Capio Partners and I don't know why I have this bill.
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX and the bank is refusing to mail me a debit card on the account. I have had a credit card account with Chase for years and wanted to have my banking at the same bank as my credit card. They are providing me no information why they are trying to restrict me from having access to my money, and the only thing I can think of is that are trying to use my money for the interest and not allow me access to it for that reason. All I want is a debit card, it is that simple. I am not sure if the actions by Chase are money motivated because they want to use my money to make additional interest, or if they are racially motivated.
Product: Credit card or prepaid card

I applied for an American Express XXXX rewards card, having been solicited by mail for an offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within 3 months. 

Before agreeing to the terms and conditions of the card, I explicitly asked the sales representative if I qualified for this promotion, since I have participated in others in the past and want to be sure I will still get my points after reaching the spend target within the first 3 months of opening the card. 

I was told, over the phone, that I DID qualify for this promotion, and so depending on this assertion by the sales representative, I agreed to sign-up for the card. 

A few months later, I was told that, under the T & C 's of the card, I DO NOT qualify for the XXXX XXXX XXXX points. 

AmEx should tighten-up their training of agents and improve their internal reporting tools. If this was not a training or reporting system issue, then their agents are deliberately mis-informing prospects about the qualification for promotions, and this should be sanctioned by the CFPB.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 XXXXXXXX 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 XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about late payments on my credit record. I've reviewed my records and found these late payments listed. I sent letters about this over 30 days ago but haven't received any response or satisfactory validation. I'm seeking help to resolve this issue quickly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I recieved a debt collection notice from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, c ; XXXX XXXX CA XXXX ; XXXX. I never borrowed any monies from them and so we called them. On the debt collection notice it does not have an amount due just that i have an unpaid balance with them. I called them and they would not release any information without a social security number and other information about myself. I would not release that to them because i have never heard of them and they will not release the information without it. They are threatening me in the letter they sent. I have never heard of this company, nor have i ever borrowed anything from them.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a serious complaint against Kickoff Lending for reporting a fraudulent account under my name. This account is NOT mine, and it is falsely showing late payments and a charge-off on my credit report. I have never opened an account with Kickoff Lending, nor authorized any transaction with them. This fraudulent account is severely damaging my credit and must be removed immediately. 

Account Details : Creditor Name : Kickoff Lending Account Number : XXXX Reported Issue : Late payments, Charge-Off Affected Credit Bureaus : XXXX, XXXX Kickoff Lending is in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 609 of the FCRA, I am entitled to dispute inaccurate information on my credit report. The information about this account is fraudulent, and Kickoff Lending is required to investigate this dispute and resolve it in a timely manner under Section 611 ( a ). 

In addition, the Consumer Financial Protection Bureau ( CFPB ) and FCRA require that when fraudulent activity is reported, the information must be removed within 4 business days under the Consumer Data Industry Association ( CDIA ) guidelines. The failure to act on this dispute promptly is a violation of those regulations. 

Other violations Kickoff Lending may be committing include : Failure to Investigate Fraudulent Claims Under FCRA Section 611, they are required to investigate disputes and remove inaccurate information within 30 days. This has not been done, and I am demanding immediate resolution.

Failure to Provide Notice of Reinvestigation Results Under FCRA Section 611, they must notify the consumer within 5 business days of the results of the reinvestigation, but I have not received any such notification.

Inaccurate Reporting Kickoff Lending is violating FCRA Section 623 by reporting information they can not verify as accurate, particularly since I have no relationship with them and can not be responsible for this account.

Failure to Update Information Under FCRA Section 605B, they must block any information resulting from fraudulent activity once notified of identity theft.

As part of my efforts to resolve this matter, I have already filed a report with the Federal Trade Commission ( FTC ) to document this fraud and initiate an investigation. I expect Kickoff Lending to comply with their obligations under the FCRA and rectify this situation immediately.

My demands are as follows : Immediate removal of the fraudulent account from my credit report or I will immediately take legal action.
Product: Mortgage

My family is in desperate need of your help! We were impacted financially immediately and contacted Chase regarding our XXXX mortgage Payment and had to take a substantial pay cut ( 4K ) as a result of COVId19. Couldnt reach them via telephone so sent them a message through the app ( per their instructions ) after waiting on hold for 3.5 hours three times! Was assured no negative credit report and no late fees would be imposed and not to worry that we would work something out after a 90 day support period. I contacted them multiple times to confirm we were safe and was always assured they would protect us. Fast forward to XX/XX/XXXX when I received notice that our credit score had plummeted because Chase reported us. Again I contacted Chase through the app and was told they were unaware and asked me to send the notice. Upon reviewing notice, they assured me they would correct it. XX/XX/XXXX I received a letter via USPS ( not certified/ no signature required ) informing me XXXX XXXX   XXXX would be my new note holder effective XX/XX/XXXX and I would have to contact them from that point forward. I immediately messaged Chase and again did not hear back right away. They responded to my inquiry on XX/XX/XXXX well after the required 15 day notice of transfer. 

I have since researched XXXX  and they are an unaccredited predator that stands to profit off of this global pandemic! Our note would not have been transferred had they not reported our credit or imposed late fees like their promised! Please help, we have called Chase all day today to stop this transfer as it isnt fair and could potentially end in my family losing our home! We have paid our mortgage ON TIME for 14 years! XXXX would like nothing more than to profit off of my XXXX in equity. This equity is my familys nest egg. My husband is a XXXX XXXX XXXX and I am a XXXX currently studying to become a XXXX. We are about to break, and really need help. I understand loans are transferred all of the time, but transfers should not be initiated right now, and although they should uphold the terms of my original loan, my non payment puts me in violation of contract and doesnt protect my family. Chase told us we had nothing to worry about for 90 days. We pay taxes on time, and have never been late with any of our credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to resolve an issue with XXXX, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out for your help concerning the incorrect account appearing on my credit report. This mistake has caused damage to my reputation, and I need your support. Due to the mismanagement of my credit report, Ive been deeply impacted, and my reputation has been tarnished. These errors must be addressed for the sake of my family 's well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax about a bankruptcy that is reporting on my credit report, I dispute the debt and the validity of it being verified. I mailed the letter from the court saying that no one has verified the validity of the bankruptcy and mailed it to Equifax as well. They are still reporting this information and refuse to remove them unverified information.