23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/2015, I initiated a stop payment with J.P. Morgan Chase on my checking account for any transactions from XXXX Cash. On XXXX XXXX, 2015, XXXX Cash presented an ACH Debit Card transaction for {$180.00} which J.P. Morgan Chase Bank paid. I disputed this with J.P. Morgan Chase citing the stop payment I had initiated on XXXX/XXXX/2015. They investigated the matter and concluded that the transaction was appropriate and are now charging me for the {$180.00} that they paid when they should not have paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Citibank closed my account in XXXX and refuses me access. I have been trying again the last few months with XXXX XXXX branch and I have to chase them down and they respond cant find account when I literally give Citibank papers with account number. They LIE.
Product: Debt collection

I receive frequent calls to my recently established phone ( i.e. it is a new phone number for me ) from TSI/Transworld Systems Inc. ( www.tsico.com ). The calls are an " attempt to collect a debt '' and I have verified that I do not have the debt they are trying to collect, and I have previously requested to have TSI correct their records and remove my phone number ( XXXX ) to stop the unwanted/erroneous robo calls.
Product: Money transfer, virtual currency, or money service

I won on a trade using the crypto.com app according to the current XXXX price on the main page of the app as opposed to the current XXXX price showing in the strike options page. I'm confused. I based my trades off the current XXXX price on the main page to be told to check the XXXX price on the options page.
Product: Credit reporting or other personal consumer reports

Just saw this on my credit report and trying to remove. I know nothing about this account. Where they are located, how I would of requested this loan, Where and how I recieved this loan, etc. I know nothing about this. Shows balance XXXX on XXXX and payments layed as ok but yet they sold it to someone else. I'm totally unaware of this company or loan. And I would like to know how where, and when I recieved this money, if I ever did.
Product: Student loan

Discover Student loans purchased loans I had originally taken out with XXXX. I have not missed a payment since I 've started paying on them. They have published list of criteria to qualify for cosigner release. First that you loan is a prior XXXX loan, next that you are XXXX, that you are a US Citizen, that you 've made the requisite amount of consecutive monthly payments on time ( which I did ), that you make more than {$1500.00} in gross monthly income ( I make {$10000.00} ), and that you have satisfactory credit ( they said the score they pulled for me was XXXX ). I applied for cosigner release and was denied a couple days later. I was told my income was too low. I followed up with Discover and they said the reason for the denial was that I did not provide proof of income. I followed up and provided the requisite information even though they do not specify on their release application that that information was necessary. I was denied again XXXX day later, again because they said my income was too low. I contacted them but was not able to get a clear answer on why I was having the same issue. I thought having a cosigner released would be easier than consolidating. I was able to get a consolidation loan within a half hour, with better rates. I will never use Discover again.
Product: Credit card or prepaid card

XXXX, Received a Visa pre-paid gift card in XXXX from this company that charged a XXXX $ monthly service fee starting at " activation. '' The deceptive component to this is that I did not activate the card until trying yesterday. I discovered that the card was activated upon purchase unbeknownst to me because I didn't even take it out of its card board packaging therefore I didn't notice the sticker with fine print stating the card was activated already. 
This is the first and only time I have experienced a " pre-activated '' visa charge, debit or gift card and always in the past having to physically make the call for activation. 

Then on the back side of the card and in even smaller print is a notice that a XXXX $ fee for " inactivity '' will be deducted from the amount of the card monthly even though the expiration date of the card is another 5 years away in XX/XX/XXXX. 

Seems deceptive and illegal.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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: Checking or savings account

Ive called TD Bank several times to close an account they allowed to be opened in my name. TD Bank allowed an account to opened online using my information. They refused to provide information as to how they allowed that to happen!! I informed them that I want the account closed! TD Bank then tells me I need to physically go into a TD Bank location to verify who I am! But its confusing because TD Bank allowed an account to be opened without verifying!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 day late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this illogical status. Otherwise, CORRECT this account ASAP. 

XXXX XXXX
Product: Debt collection

A XXXX XXXX debt for {$110.00} was discharged under my bankruptcy in XX/XX/2016. Its been re aged and put back on my Experian Credit report as a charge off but in collections.
Product: Credit card or prepaid card

The XXXX washing machine that we purchased on XXXX has a severe washer cycle dysfunction when the '' heavy cycle is needed. A repairman came out two times for that same problem. The agitator makes this large unbearable noise while it is suppose to be washing, then the rinse cycle goes on for another hour, using excessive amount of water, then it takes all day to drain, then it cycles again. My wife and i went out to the store in person XXXX XXXX NC, and we were told, that the repairmen must come out to see and that it is stated in our Warranty, it is nowhere in the warranty it states any 3 time repair rule. On XX/XX/XXXX, a rude customer service agent named " XXXX '', Gave us an ultimatum, " the repairman has the last decision. We asked to talk to the manager, and she said FINE! - she is not here today. but here is her name and number " XXXX XXXX XXXX it is a general store number. That is how deceitful they are.
Product: Checking or savings account

On XX/XX/2018. My brother and I went to M & T bank in downtown XXXX  NY to open detect deposit accounts to receive a XXXX bonus like the ad we brought said. Well a lot more than 500.00 has been deposited. And the bank is now telling me after two days of email and calling that the wrong promo code was entered. The person who can fix it is unavailable. We would have never opened the accounts. Except for the offer of the bonus.we are both XXXX  and the bank is further away than the previous bank.
Product: Debt collection

I received a loan account ending XXXX & XXXX with XXXX as my direct loan advisor and Lender. XXXX put me into unfair predatory lending that was illegal as no possible way to pay the negative amortizations on XXXX XXXX in XX/XX/XXXX. 

By XXXX by mutual agreement with XXXX informed me to not pay, and within the next months called Due by Affirmative Act of Acceleration of the Maturity Date to XX/XX/XXXX. There was never any deceleration of the debt obligation called due. The maturity Date never changed. California Law provides Civil Code 880.020-882.040 and provides the debt obligation is no longer enforceable by any means, nor is the enforcement of the power of sale in the deed of trust. The deed of trust is VOID. Satisfied. Payments were made during XXXX and refused when they were to provide a loan modification under NMS agreement XXXX XXXX XXXX XXXX XXXX  closed down in XXXX. By XXXX, Six years after acceleration no litigation no bankruptcy the Accounts all of them were removed " off from my credit '' and Accounts were Closed by XXXX - AND THOSE WERE XXXX BALANCE DUE. NO CREDIT TRANSFERRED. I HAVE PROOF OF THE CREDIT REPORT BEFORE FILING A BANKRUPTCY ON XX/XX/XXXXXXXX 
BY XXXX XXXX transferred to Shellpoint Mtg LLC and later turned to NEW REZ LLC - The IRS Form from XXXX had no outstanding balance due. NEW REZ LLC hires Attorneys to make up the law to AID and state that the lien and debt is owed and forced me to file Bankruptcy and presold by mock auction opened up " Escrow '' on XX/XX/XXXX by a well known " investor '' buyer. And Shellpoint is making up FALSE DEBT that is not owed. 
More than FIFTEEN YEARS since the last due date recorded indebtedness XX/XX/XXXX. No Litigation ever but for short total of 1.3 Months of Bankrutpcy after the debt was no longer enforceable. NEW REZ LLC hires out of state attorney 's to make false debt claims. My Identity has been the link to create their fake debt claim and I have called the FBI/FTC and will update to the IRS and OIG of the Social Security XXXX They are now claiming a new Sale Date of XX/XX/XXXX and have caused me to file ruin and destroyed my life and credit for a FAKE False Misleading phantom debt " False Lien '' Scam to take and steal my equity, my real property using FALSE DEBT using my Identity. 
I have recently uncovered the scam since being a victim of Title Theft and this opened up to show me that this is Identity Theft. The entire debt was CLOSED XXXX DUE since XXXX. NEW REZ LLC has made up false debt that is to take over XXXX XXXX with false statements of FAKE FALSE IRS FORMS now using my identity claiming I owe when no legal rights exist. There is no In Rem and No Rights this violates CA Marketable Record Title Act Civil Code 880.020-882.040 and no preservation of any interest recorded. More than Ten years, More than 15 years since last Due recorded ascertainable. I am harassed by fake debt by Attorney 's hired to AID in GRAND THEFT.
Product: Checking or savings account

My problem is with XXXX XXXX handling my XXXX income direct deposits. Ive had the account for 3 years and havent had to report any errors. In XXXX my card was used with out my concent spending aprox {$440.00} dollars by the XXXX of the month. I made contact with XXXX XXXX to dispute the transactions. XXXX XXXX made 2 suggestions to complete the dispute request 1 via postal mail after signing their documents & the other my own document explaining my reasons in detail to my knowledge of the occurance. I have called multiple times and am advised that my faxed documents sent 2 times via fax have not been located or received. 1 by mail that also has not been located or recieved. Here its XX/XX/2019 and the disputes have been closed and not satisfied. This is odd being there was never additional attempts to contact me or allow other options to be sure my money is returned. The reps just seem to quick to not wan na rectafy the disputes in my favor. Please assist.
Product: Checking or savings account

First national bank purchased my accounts from XXXX XXXX XXXX transferred my non fee based accounts into fee based and then subsequently drafted service fees until the account was empty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with XX/XX/XXXX Experian, and XX/XX/XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then 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 a reasonable cause to believe the information is inaccurate
Product: Mortgage

I applied my home equity of credit line in XX/XX/2022 and they denied XX/XX/2022. They gave me a hard time during the application processing time. They pulled my credit report 2 times and I spent my time and energy as much as I could. They mishandled and mislead my application. I have doubt with those two employees who were handling my application, he did intentionally mishandled my application. They are two employees one is manager and another home service specialist who were did something wrong on my application. I did everything from my side. I am depressed and mentally tortured from it. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 1. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. DEPTEDXXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Made purchase at Best Buy in XXXX for {$27.00}, never received a statement, went to Best Buy to inquire balance & pay, in XXXX unfortunately they were closed indefinitely due to COVID-19, i tried to navigate the computer system & was denied, .I called & was stuck in the phone system going around in circles, I finally received a statement from XX/XX/XXXX, that I received on XX/XX/XXXX, late of course, Best Buy / Citibank feels I should pay close to {$70.00} in late fees. Ive called several times explaining this & they are unwilling to accept my original payment due of {$27.00}. This is completely unfair
Product: Vehicle loan or lease

Through numerous phone calls to GM Financial, I am unable to get a copy of the contract or anything in writing from them. 
My car was totaled and my last 10 payments add up to XXXX. I owe from XX/XX/XXXX to XX/XX/XXXX. 
Upon attempting to pay off the car GM is trying to get {$4400.00} from my insurance company. With no explanation other than it's interest.

GM also refuses to account for over 2 years of payments in which every month I paid {$350.00} instead of {$340.00}.

Usually when you pay a car off early it's cheaper, not more expensive. Can someone please help me as GM is obviously trying to take advantage of it's consumers and refuses to communicate via email. GM will only communicate via phone and I get a different answer every time I speak with someone at GM. This time I am trying to deal with the " total loss department ''. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I issued a dispute with Experian concerning my XXXX XXXX XXXX  account reporting inaccurately. The XXXX XXXX XXXX  account was charged off in XX/XX/XXXX and sold to XXXX. However, XXXX XXXX XXXX  was reporting the CR as if there were late payments. I also asked the account to be updated to a paid charge off as I had paid the XXXX account as requested. On XX/XX/XXXX, I disputed the account once again to remove the late payment activity and on XX/XX/XXXX Experian updated my account indicating yet another failure to pay account activity for XX/XX/XXXX and that in fact lowered my score that day 14 points. I have since disputed the times again over three times with both companies to have the issue resolved. XXXX XXXX XXXX  should not be reporting any recent activity as they were paid in XX/XX/XXXX when they sold the account. Each company keeps telling me to dispute with the other and the results continue to be the same with no correction. I was told that the decrease in points was due to my dispute and the update to my account. Experian is reporting the balance was updated to {$0.00} on both months but that is not a change as the balance reflected that in XX/XX/XXXX when XXXX took the account.
Product: Credit card

I have disputed with Capital One with the bureas neither the bureas or Capital One put the account under dispute on the credit reports. Violation of FCRA. I have forwareded this to my lawyer for further review.