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

I am a victim of identity theft through several data breaches which were XXXX data breach XXXXXXXX XXXX  data breach and Ticket master I've also attached a copy of my identity theft report with all listed fraudulent accounts and inquiries because it is against the law to report fraudulent accounts on consumer credit reports. 

Experian Fraudulent Account and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I had an account with Walmart. The account was sold to XXXX and then again to XXXX XXXX. I have paid this account in full to XXXX XXXX and Walmart will not remove/update this information with the credit bureaus. They are telling me that XXXX XXXX has to report it when in fact they ca n't report a payment that they never reported delinquent. The person reporting the delinquency has to report the payment.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan for XXXX in XX/XX/year> with an interest rate of 12.47. I called SOFI to get a better rate after they sent me a preapproval for a lower interest rate. I asked them to recast my loan after making a lump sum of XXXX. The 1st account manager told me she could not give me a rate and term until after I made the payment on a recorded line. I explained to her that I was NMLS licensed and I was confused as to why I couldnt get the rate terms or payment. I asked to speak with the legal department and was refused. I made the payment and waited for the portal to update. The outstanding balance was updated but not the rate term or payment. I called back and spoke another account manager and they transferred me to a supervisor who then told me that the interest rate was to remain the same as for my request it was denied. I still have never received any documents stating that a denial was issued. I called back again today to confirm what my new payment would be. The AM said I needed to respond to a secure email to re amortize the loan. I explained to her that a payment of XXXX. On a loan balance of XXXX was outrageous and she said again on a recorded line that she was unable to give me the payment and I would need to wait yet again for the payment to be adjusted. To be clear the previous supervisor I spoke with a week earlier was also unable to calculate the payment. I then explained the interest rate, current term 7 years and outstanding balance would equate to roughly XXXX using the information provided by her. She agreed yet did nothing. My payment has remained unchanged. I decreased the loan with additional lump sum payments and the additional payment was not applied to principal alone. It was also applied to interest yesterday. The process is very deceptive to say the least. There is no licensed person to speak with to discuss rates and terms. I am not understanding why SOFI is permitted to operate in a manner that violates the very basic rules of fair lending. I have perfect credit and an XXXX credit score. I am NMLS licensed. I would be remiss not to mention my credentials and credit worthiness. If SOFI can take advantage of me, I can not imagine what they get away with the general public.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and do not belong to me : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a copious amount of hard inquiries placed on my credit report that I did not authorize. I have tried rectifying these issues with the reporting credit bureau agencies and directly with the listed agencies. These issues have not been rectified. I have attempted to contact these agencies via certified US Mail and telephone calls, but to no avail. 
XXXX  XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX, Credit Bureau Disputes, XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 a account without my written instructions
Product: Mortgage

1. I financed my home XX/XX/XXXX for Approx {$290000.00}. 
2. I had a loan modification back in XXXX with XXXX. they only lowered my payments by approx. {$33.00} per month. my original payments were around {$2700.00} per month. 
3. I am a XXXX  employee who was furloughed back in XX/XX/XXXX. At that time I applied for another modification. My payments were lowered to around {$1400.00} per month. I was told that my payments would be stretched out for 40 years, but I could pay it off earlier. 
4. My mortgage was sold to Ditech. When I checked with them about a refinance, I was told I had a balloon payment of approx. {$90000.00}. 
5. I went to my credit union ( XX/XX/XXXX ) instead to have my home refinanced. when I asked for the payoff, I was told I owe {$290000.00} still. When I I asked how do I owe more money after paying a mortgage on my home for almost 10 years. I did not get a sufficient answer. 
6. when I go online to the Ditech website, it says that my principle balance is {$200000.00}. But they sent me something saying that I still owe a balloon payment of {$90000.00}. 
7. I am not sure how I owe more money 10 years after I have been making payemtns on my home. 
8. The Ditech representative ( a male ) was very rude and disrespectful. 
9. I am trying to refinance and leave Ditech all together, but I am not sure why my payoff is more than what I purchased the house for after 10 years. It is my idea that I only should owe what the my statement principle balance states ( {$200000.00} ). Even the credit union representative who is helping, me to refinance says that something is not accurate.
Product: Money transfer, virtual currency, or money service

I received my Tax Refund on XXXX/XXXX/2022 it was deposited into my Cash App account at XXXX, I re paid Cash App {$14.00} and {$21.00} those are the only transaction I authorized on my cash App account, around XXXXXXXX XXXX Cash app allowed someone to withdraw {$4000.00} from my Cash App account, I began to call them to find out what happened, I open a dispute claim, not long after I open the dispute they said I sent the money, I have never heard of the person, my account was also locked when the money was removed. I have filed a dispute at least 4 times with Cash App because they keep saying it was me. I have attached documents that will show different times that I sent the money. Please help me get my money back. I am a single mother of one child with no help. Cash App know they missed up but don't want to admit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry from XXXX on my Equifax credit report from XX/XX/2019 that was not authorized. I attended a spring fair around that time and one of the vendors was XXXX. I did stop in front of the booth and look at their display. The sales rep asked me if I had a home security system and I told him yes we did. He began to explain the XXXX system and pulled out a piece of paper and wrote down a list of equipment with pricing. He told me he would call his supervisor and see if he could provide the equipment for free and asked me to complete the personal information at the top of the form. I told him I was not interested and he said he understood and then asked me to complete the personal information again because credit for just speaking with me. I did provide my name however I drew a line through the lines address and social security number and specifically stated I would not provide that information because I was not interested in switching security systems. He thanked me, gave me his card, and told me to call him if I ever wanted to switch. I didn't keep the sales reps card because I wasn't interested in the XXXX  security system. Upon reviewing my credit report a few weeks ago I see there is an inquiry from XXXX a day after I was at the fair. There was no reason they should have requested a copy of my credit because I was very clear I wasn't interested in their product. Also, how did they request my credit when I didn't provide them with my social security number and I intentionally marked through those items on the form? I tried contacting XXXX and a representative was supposed to call me back however I haven't received a reply. I want this inquiry removed and would also like to know what options I have for compensation from XXXX.
Product: Checking or savings account

Tenant sent payment via CHIME online application. By the time I set up CHIME account, the payment was marked expired but the funds were not returned to payer. After repeated contacts to CHIME customer service, CHIME has not returned the {$1200.00} payment to the payer or released it to payee :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all three Credit Bureaus regarding XXXX XXXX XXXX XXXX Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine Trans Union is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the Credit Union Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since then, the account has been repeatedly updated as a charge off every month. This is an update on the payment history. The charge of account should not include an active payment history. this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you that I have been a victim of identity theft. Unauthorized transactions and accounts have been made in my name without my knowledge or consent. As a result, my personal and financial information has been compromised, and I request immediate action to correct the situation
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yelow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Money transfer, virtual currency, or money service

Pnc bank will not accept my XXXX XXXX account for money transfer
Product: Credit card or prepaid card

Discover is refusing to resolve a transaction dispute in my favor, despite me providing evidence of theft and fraud committed by the merchant. XXXX sold me a defective garage door opener. Then they sent an incompetent contractor to install it, who completely botched the installation and then stole my old garage door opener. I attempted to resolve this with the merchant, XXXX customer relations, for weeks before eventually contacting my credit card company as a last resort and filing a dispute on this purchase that I made with my Discover credit card. XXXX then lied to my credit card company about what happened. Shockingly, Discover sided with the merchant on this dispute. Now I'm left with a non-functioning garage door opener, which I can not reasonably disassemble and return to their store. According to the notice I received from Discover on XX/XX/, the only documentation they used to base their decision on was XXXX 's refund policy, which unsurprisingly does not include any sections on fraud and theft committed by XXXX and their contractors. This was after I provided Discover with weeks of emails from XXXX acknowledging that they had sold me a defective product, that I am physically unable to return to them, and then refusing to fix the issue. This is fraud, and I am well within my rights and the law to have this charge reversed. If I don't get my {$310.00} back, everyone involved in this going to court.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Capital One Accoun XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Two Accounts were Charged Off in XXXX and XXXX of XXXX. 
JPMCB, aka Chase Bank, Never Provided Me with My 1099C to complete My Personal Tax Return Accurately, which amounts to Tax Fraud. 
Approximately {$1300.00} should have been included on My Gross Income with The IRS for the XXXX Tax Year. 
Additionally, both of these accounts were Sold to a Collection Company. 
Additionally, Chase continues to mail me a Bill Attempting to Collect this Chargrd Off Account Totaling some {$1300.00} to this day. 
I just received- in XX/XX/XXXXXXXX  - ANOTHER set of letters for each Charged Off Account. 
JPMCB, aka Chase Bank, Received a Tax Break in the form a Write Off / Business Deduction for their XXXX Corporate Taxes, Earned Income from Selling the Charged Off Debt to another Party, and Is STILL attempting to Collect the Charged Off Amounts from Me. 
How Many TIMES does JPMCB Chase Bank expect to Get Paid for these Charged Off Accounts? 
None of this Seems Legal. 
I believe that My Next Step is to Seek Legal Counsel and Bring all of this In Front of a Judge, where I will seek appropriate damages for this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX   that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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 a account without my written instructions
Product: Credit card or prepaid card

Hello - Hope you are staying well in these trying times and thank you for receiving this complaint. 

I am writing in response to not receiving usable credit card bonus miles from Citi for the Citi/ AAdvantage Platinum Select World EliteMastercard, despite meeting the terms of the offer from Citi XXXX 

I have opened the Citi AA MasterCard mentioned above and initially received the bonus points from Citi, per the terms of the welcome offer ( see link below for an example ). On XX/XX/2020, Citi 's partner XXXX XXXX informed me that they were shutting down my XXXX XXXX ( XXXX XXXX frequent flyer account for " abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. On this date, they unilaterally confiscated my points, to the tune of XXXX miles ( ~ {$29000.00} cash value ). 

I would like Citi to confirm and explain how : a. ) I abused the Citibank AAdvantage card bonus eligibility restrictions b. ) How Citi can re-issue the miles in accordance with the credit card application that we both entered into per the terms of each agreed upon application I have attached the letter from XXXX ( to which they did not reply ), and I look forward to resolving this amicably. I can be reached at : Cell : XXXX Email : XXXX Link : https : //creditcards.aa.com/
Product: Credit reporting or other personal consumer reports

BMW of XXXX XXXX and BMW financial services checked my credit without my authorization XXXX XXXX XXXX and XXXX XXXX XXXX XXXX checked my personal credit without my authorization XXXX XXXX checked my credit file without my authorization
Product: Debt collection

Complaint against XXXX XXXX XXXXXXXX, who is the owner of XXXX XXXX who " accrued '' fake company XXXX XXXX XXXX, XXXX from XXXX, XXXX, XXXX and demand for disclosures under TILA who is the owner of the obligation who paid money for the debt under XXXX Art XXXX and who authorized servicing transfer to Specialized Loan Servicing, LLC on XX/XX/XXXX. I am a XXXX veteran and this unlawful demand for payments violated American with XXXX Act and XXXX ILCS XXXX ) ( was XXXX ILCS XXXX ) Financial exploitation of an elderly person or a person with a XXXX. 
In XX/XX/XXXX XXXX XXXX XXXX, under leadership of Bank XXXX XXXX has entered into a definitive agreement with XXXX XXXX to acquire XXXX Mortgage XXXX XXXX and certain affiliated companies, including XXXX XXXX XXXX XXXX, for a purchase price of approximately {$720.00} XXXX. Following the close of the transaction, SLSs portfolio and operations will be transitioned to and managed by XXXX XXXX ( XXXX ), a XXXX portfolio company. We are thrilled to welcome SLS to the XXXX family. Our track record of acquisitions in the mortgage servicing space continues to deliver value not only for our shareholders, but also for the millions of consumers we serve, said XXXX XXXX, chairman, CEO, and president of XXXX XXXX. XXXX, the entity behind businesses such as XXXX and Caliber Home Loans, Inc. ( sham conduit of XXXX XXXX funds ) On XX/XX/XXXX I received unsigned computer generated Letter of " Servicing Transfer '' where faux company XXXX will purportedly collect my payments starting from XX/XX/XXXX This is my QWR, DVR and demand for disclosures under XXXX XXXX XXXX ( f ) ( XXXX ) to provide me the name and contact information for the owner of the obligation who paid money for the debt as required under XXXX XXXX who authorized transfer of servicing to SLS on XX/XX/XXXX. I demand disclosures who was entitled to receive my money and who owned the account receivable due from me. 
I demand a respond from the real human authorized employee who has personal knowledge about my transaction and whom I can contact to discuss my questions in person. No unsigned artificial intelligence from a " team ''. It is a violation of XXXX XXXX, XXXX, XXXX