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

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. 

XXXX XXXX Auto : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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: Checking or savings account

In I believe XXXX of 2022 I purchased a wig from XXXX XXXX XXXX for {$36.00}. I asked for a 20 inch. When I got to my car I noticed it was a 12 inch so I went back in to exchange the wig. The store owner would not exchange or return the wig. There was no reason not to exchange the wig. The would not exchange the wig or return it. I called Chase Bank to ask for a refund or to reverse the charge. They told me they would reverse the charge and told me to return the wig. I returned the wig the next day as Chase Bank told me to do. Chase Bank told me they would issue me a credit. The credit was issued but then Chase Bank decided to pay XXXX XXXX XXXX after all. After they had me to take the merchandise back to the store. So now the merchant has the merchandise and my payment of {$36.00}. Chase is refusing to refund my money back to me or help me recover my merchandise. A fair solution would be for Chase Bank to refund me my {$36.00}. They can listen to the call, their representative told me to return the merchandise. I returned it and then they returned the money. That is unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

Wells Fargo Auto Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.
Product: Payday loan, title loan, personal loan, or advance loan

Today on XX/XX/year> approx XXXX hrs I went online to an installment app called XXXX. I was approved for XXXX $ XXXX shopped online at XXXX XXXX  upon completion of the transaction I was asked to place XXXX $ as a payment for the rest of the order to be covered in the amount of XXXX XXXX When trying to checkout the amount was denied yet I was charged and was issued a billing statement. I have reached out to this company and discovered they dont have any live agents, no XXXX  only send an email. I received a generic response stating thank you for your submission we will contact you in a few days. I went to the live chat and have yet to hear from anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

The is an account that is reporting a late pay that I dispute twice as being in accurate which it is as the loan was in deferment. However, I realize the account is more than seven years old and should not be still reporting on my account. The account is from XXXX and XXXX it is approaching the 8 year mark. I have opened an investigation per the consumer fair credit report " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I am having this issue with Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquires that need to be removed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX, at the Heights Finance office in XXXX XXXX, lies to consumers about the law and the terms of ther contract and tries to bully them into additional commitments. First of all, my interest rate is greater than what I was told it was when I took the loan. Second, my payments are due on the XXXX of the month. I have been a day or two late in the past, but never more than that. This month ( XXXX ) I notified them that my payment would be 12 days late and that I would make it on the XXXX. I was informed by XXXX that I could skip the {$80.00} payment if I made a {$27.00} payment over the phone and my maturation date would just be moved to a month later. I told her I didn't want to do that because it was another month of high interest rates. She then informed me that I was then *required* to come in to the office ( which is 40 miles away ) for a " good faith visit '' today. When I told her that wasn't legal, she said it was part of my agreement with them and I disagreed pointing out it was nowhere in the paperwork and I would not do it. Then she told me they were going to call me every day until they " got their money ''. I reminded her that at that point I was only 2 days past my due date, not 30, and calling me every day would constitute harrassment. I would pay my regular payment and any late fee on the XXXX. She told me she could and would call me every day whether I liked it or not, unless I came in for a good faith visit. She has called several times since, and I just haven't answered, but today, after she called me and I ignored it, I called back hoping for a better interaction. She informed me that if I didn't pay within 7 days of my due date they would report me to the credit bureau and I needed to come in for a " good faith visit '' or pay immedately to avoid my credit being damaged. I told her that I was already past 7 days as it was due on the XXXX and it is now the XXXX and that they legally can not report me until I am 30 days past due and I am only 10 days past due. She said I was wrong and that I had to " come in or pay right now or they'll report me. '' I told her that is not true and I know the law. She then said " You better pay on the XXXX or we'll report you! '' in a very angry voice. As I said, I am only 10 days late. I notified them in advance that I would be, and I have never been more than a day or two late with them in the past. This predatory lender lies to consumers about the terms of their contract, and tries to bully them and lies to them about the law. XXXX at the XXXX XXXX office, in particular, is rude and dishonest. I am very concerned that she will vindictively damage my credit when I have not ever been 30 days late with them.
Product: Credit reporting or other personal consumer reports

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 report containing any of the following items of information Any other adverse item of information, other than records of convictions 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: Debt collection

I have been making payments each and every month to PCS since XX/XX/2013 ( 7years ) I have not missed sending them a monthly payment, yet. 

Recently, they've decided they need to call me and email me asking where my payment is - ( it's already been sent - and the month is not over yet -but they call and email me ) I talked to them on the phone and they talk like i've not been making payments every single month for 7 long years. They act like i'm being difficult and not sending them anything, when i told her I haven't missed a month yet, why are you calling all the time now? She says i need to make a payment ( like i haven't been! ) - it's frustrating. I told the last caller to not call me anymore. So now they sent an email, which i can not reply to. I'm just annoyed. I don't need to be harassed when i'm sending you money each and every single month. I could understand if I haven't been good about making payments to them, but I have!
Product: Credit card

On XX/XX/year> I received a pre-selected credit card offer from XXXX essential reward XXXXBarclays Bank showing a {$200.00} cash back bonus offer after spending {$500.00} on purchases in the 1st 90 days. ( Offer code : XXXX ). Also I'm an XXXX  retired XXXX citizen and an XXXX member too. Because of this bonus offer I accepted the card and they approved on XX/XX/year> with a credit limit of XXXX. Until then I started to use this card and had a balance due on around {$3200.00} as of today. Couple of weeks ago I contacted Barclays bank about this offer, but they denied and said there is no such offer. Again I contacted them multiple times ( emails/calls ) and finally they requested the proof of this offer. I send them the original invitation on XX/XX/year> where the address they provided through the email. They received the original proof and unfortunately still denying the cash back bonus offer on this card. 
Also I contacted XXXX today and they said Barclays Bank is responsible. That means none of them are helping to solve this issue. Basically this is cheating, the bank took all information 's including my social security for credit check. Due to their default action I didn't receive my bonus and also my credit score lowered. So please make appropriate action against this bank to receive their promised offer. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a late payment for my car note in XX/XX/2020 for a car that was totaled in XXXX. It was declared a total loss on XX/XX/XXXX, so in order for the person 's insurance to send the total loss payment ; they needed to receive the letter of guarantee. The letter of guarantee wasn't sent in time which delayed the total loss payment being sent. I knew there would be a leftover balance because I didn't have GAP insurance, but I wasn't notified the total loss payment was made. I called them every day to verify, but I was only told that it was in the process. 

After logging into my account online on XXXX XXXX, I noticed the payment was made on XX/XX/2020, and I immediately paid the remaining balance on XX/XX/2020. It wasn't posted to my account until XX/XX/XXXX. After I made the final payment, I was given or assessed a late fee for XXXX. 

When I noticed the late fee, I immediately contacted them to remove the late fee. I was told on XX/XX/2020 that I needed to dispute the late fee in writing to have it removed from my account and credit report. I mailed the letter on XX/XX/XXXX, and I haven't heard anything since then. I reached back out to Santander Consumer on XX/XX/2020 just to verify that they had received my letter and I was then informed that I could dispute the late fee with the credit bureaus. 

I feel that I've done my due diligence in paying the vehicle off, speaking directly to their customer service agents, and sending in my written dispute to have the unjust late fee removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXXBalance XXXX {$0.00}
Product: Checking or savings account

On XX/XX/2022, I mailed a check for XXXX XXXX Dollars from the XXXX Government by certified mail for deposit into my Capital One checking account. The check was delivered XX/XX/2022. Capital One acknowledged receipt. 

Unfortunately, after more than XXXX months the funds still have not been deposited into my account. I have made multiple inquiries over the past XXXX months. Customer service staff reported that the delay is because the XXXX XXXX Department did not get a response from the payor ( XXXX XXXX XXXX, the equivalent of the IRS ). Customer Service staff could not tell me the nature of the information requested or the process for resolving the problem. Despite requests for more information about how Capital One would resolve the problem, I have received no additional information and the check has still not been deposited. 

On XX/XX/2022 I mailed complaint letters to Capital One 's Main Office and to the XXXX XXXX XXXX. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have over 100 disputes in showing them that this information is incorrect. I pay for the monitoring service from them Dispute number XXXX still reporting the wrong name on my file. My credit file number is Please update an remove the name off my file my name is XXXX XXXX I have provided my drivers license and utility bills and they remove it off then aloow creditors to mix my file with someone elses whom is not me. They close the investigation and do not send me the results I faxed and mailed them the letters information them of this. I file a dispute daily only to have them close it out overnight. I pay for a service when I log into the dispute portal using my email address XXXX it pulls up someone else file an credit report which is really not a good thing for Equifax. This is my confirmation to my credit report when I log into the dashboard which is linked to me. 
Equifax Credit Report for XXXX XXXX XXXX As of : XX/XX/XXXX Available until : XX/XX/XXXX Confirmation # : XXXX
Product: Credit reporting or other personal consumer reports

all of these accounts are fraud that i came across i now have a XXXX XXXX  that was able to help me filter through these unrecognizable accounts These inquiries were not authorized XXXX XXXX XXXX XXXXXX/XX/XXXX also same company again XXXX XXXX XXXX XXXXXX/XX/XXXX additional companies of unrecognized transactions are stated here as well XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$35000.00}.
Product: Payday loan, title loan, or personal loan

Cash Central customer service is claiming they did not receive supporting evidence of my ID theft and claim all their account information and credit reporting is accurate.

On

XX/XX/XXXX I spoke with a collector for the company and explained I was not the person involved that the debt was not mine. On XX/XX/XXXX I f
axed Cash Central a police report, and Identity theft report from Identity theft.gov. I received a confirmation of the fax.

The only action Cash central has taken has been in regards to the dispute I initiated online with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. So please DELETE the accounts listed below : XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am looking at my credit report and saw an inquiry from XXXX on XXXX th which I did n't authorize. As per XXXX their Client Mason-McDuffie mortgage ordered a credit report and I have n't authorized either XXXX Mason-McDuffie to put hard inquiry into my credit report. I request that they removed this inquiry ASAP and no more inquiries moving forwardXXXX Miscellaneous XXXX XXXX, 2013 XXXX
Product: Mortgage

We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.
Product: Checking or savings account

Since XX/XX/2021, Chase has charged me nearly {$400.00} in overdraft fees and despite asking to reverse some, I've been told they can not offer any " courtesy '' refunds at this time. Below, I have listed the dates and amounts of the fees : XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} x 2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} TOTAL {$34.00} x 11 = {$370.00}!!!! 

Chase is my primary banking relationship, where I have my paycheck deposited and pay my bills. However, it is becoming increasingly difficult to maintain as the fees are very high, often more than the cost of the paid item. And they are very frequent, being assessed multiple times per week and even per day. It makes it hard to get by when deposits go straight to covering outrageous fees. 

I understand the Bank needs to make a profit, but this is ridiculous. I would suggest regulation limiting the amount and frequency of these fees as they absolutely pray on lower income depositors.
Product: Debt collection

Vehicle sold at the auction for a different price than debt. That is inaccurate and needs to be remove as soon as possible. Thank You