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

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
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 XXXX 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 XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Mortgage

In XXXX I approached Wells Fargo to refinance my variable mortgage originated in XXXX at which time they refused to finance the entire amt in one conventional and required a down payment plus a 2nd loan for 10 % ( approx $ XXXX ) which they presented with a nearly 12 % APR. I read the information and was told that it was a principal/interest loan but did NOT realize it was an interest DAILY loan. I was told that as long as payments were made the payments would apply toward principal & interest, more the former as time went on and 15 years the balance would be a balloon payment due ( XX/XX/XXXX ). They just recently informed me that I would now be required to payoff nearly $ XXXX after paying them double the origination amount after 15 years of on time payments and I don't have that balloon payment. I contacted them regarding my hardship and requested any program that they would have in place due to the predatory nature of this loan and a settlement payoff amount of set value and they declined. Fact remains, Wells Fargo originated this loan during the height of their predatory lending practices and did so to take advantage & now I'm the one paying the price. They need to be held accountable. I should NOT be stuck with having to pay MORE. They knew what they were doing & I should not be further penalized for their criminal practice in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and americollect. I would like a full investigation into this accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance of {$200.00} off for XXXX for my XXXX XXXX XXXX XXXX I dont pay the balance of {$200.00} for XXXX until XX/XX/2023. Experian has added that I didnt pay my credit card or my credit card balance which then made my credit score XXXX XXXX XXXXXXXX points when I pay my credit card off before the due date every single month. I will attach statements as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

RRATIVE From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts ( XXXX XXXX XXXXXXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed an inaccurate account reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CHASE MTG ACC THAT GOT TRANSFERRED TO XXXX  XXXX   ON MY XXXX REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL XXXX TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that chase would have to delete it to call chase i call chase talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call XXXX back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from chase for them to take it off or it have to stay on my report to XX/XX/XXXX she said chase have the authority to do it. So i call chase talk to XXXX he said its XXXX  have to delete it he said that chase last report on the acc was XX/XX/XXXX so i call XXXX back and they said its chase that have to do something about it and they reinvestigate it again
Product: Credit card

I need to thank Wells Fargo for the manner in which they handled my previous complaint. Its been a welcome relief. In reality, Im submitting this complaint only because I was encouraged to do so by XXXX if I had further documentation to submit for consideration after I explained the situation. I have no doubt XXXX will provide the same excellent customer service that he did previously, so in short, I really could use some help. Ive been dealing with extensive fraudulent activity on multiple accounts along with having sever technical issues with multiple financial institutions. A missed payment or technical issues isnt the sort of thing I would generally handle through the CFPB, but it has recently seemed to be the only way I can receive assistance or a response at all. XXXX XXXX XXXXXXXX system has recently been changing my auto-pay source, not making payments scheduled, and charging me the incorrect amount. Ive had the same issue with XXXX. They contacted me today and stated because its self serve there is nothing they can do about it. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been refusing to deposit checks for multiple contradictory and/or objectively false reasons. Both XXXX and XXXX have refused to process XXXX payments for my XXXXXXXX XXXX often for contradictory reasons. XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX all refused to allow me access to transaction histories. XXXX XXXX XXXX XXXX and XXXX XXXX still do. They all with the exception of one of two accounts with XXXX, refuse to provide me with a list of manually keyed transactions as my credit card numbers are just being passed around. Ive experienced difficulty freezing or closing accounts with all of them. My list of issues is extensive. So I apologize for jumping the XXXX with Wells Fargo and resorting to a CFPB complaint without first trying a phone call. But any assistance with determining why I seemed to have such difficulty with your website or dealing with my present circumstances would be appreciated beyond belief.
Product: Checking or savings account

Chase advertised to offer XXXX reward points for opening a Sapphire checking account. I opened the account in XX/XX/XXXX and met all the requirements. But Chase posted the reward in XX/XX/XXXX to one of my Freedom credit card that Chase closed on their side on XX/XX/XXXX. So I never had a chance to redeem the reward. 

Attachment 1-5 are the details of the advertisement. 

On XX/XX/XXXX I called Chased and was told my Freedom account was closed for inactivity for 6 months. If thats the case, since I had a transaction in XX/XX/XXXX ( attachment 6 ),  the card should be closed in XX/XX/XXXX and I should be able to redeem the reward in XX/XX/XXXX. The fact is I still received statements of that card for XXXX and XX/XX/XXXX ( attachment 7-8 ). The agent I talked to said she will escalate this and probably they will be able to let me use the points. 

On XX/XX/XXXX, I send a secure message to Chase to query further. They told me a different story, that my Freedom card account was closed on XX/XX/XXXX ( attachment 9-11 ),  because inactivity for 12 months, even though I HAD a transaction in XX/XX/XXXX. If this is true, then Chase posted the reward point in XX/XX/XXXX to my account that was already closed for 2 months. 

I dont know which story they told me is true. In any case, I didnt receive any notice from Chase for account closure. In any case I had no chance to redeem the reward point that I deserve from the opening of the Sapphire checking account. 

Today I received a letter from Chase ( attachment 12 ),  emphasizing that card holder has 30 days to redeem the reward after card closure. The issue is, again, Chase put the reward in XXXX into the account that they said they closed in XXXX, hence I had no chance to use them at all.
Product: Debt collection

On XX/XX/XXXX, " COLLECTION BUR OF AMERICA ( #  XXXX ) - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX " Called and for a missed & valid payment of $ XXXX. told me it is in collections and if I pay in full, it will not negatively reflect in my credit report and made a false promise and provided me incorrect information. The original due amount came to collections on XX/XX/XXXX ( got from my credit report ). since it is paid in full, the collection item is reflected in the scoring model as a new item with a new updated date. ( FICO Score 8 model used by many financial institutions ).  The scoring model is unfair to the consumers who have taken their responsibility of taking care of the payment in full. 
This raised further questions for me ( XXXX  ) : 1. Why should the score be lowered when the collection item is paid in full? It makes sense when it is unpaid, penalizing on the score. 
2. Why should the longevity of the paid collection item and unpaid collection item be treated the same? Is the risk not different between someone who took care of it and one who did not? Why can't items be removed when paid in full? 
3. I found institutions using the same report and model and coming up with different scores? Why should it be inconsistent? 
4. When Credit reports and Scores are sold as service to the institutions based on the consumer info ( my info ), why only credit reports are free and why not the scores?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have hard inquiry pulls on all 3 of my credit reports, the hard inquiries were not authorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXInquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  : XXXX Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that XXXX, Experian, XXXX is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX   : ACCOUNT # XXXX, DEPTEDXXXX  ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, social security number : ( XXXX ), Date of Birth : XXXX XXXX. This CFPB complaint has been filed to request pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). These accounts have resulted in fraudulent credit card and auto loan accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accountd are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX
Product: Credit card or prepaid card

I was on credit karma seen that I was pre approved for credit cards and signed and got denied even though it clearly said I had n excellent chance on getting the cards it happen for several cards
Product: Debt collection

On XX/XX/XXXX I have received a letter on my name from the XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, ND XXXX ), stating that they are trying to collect a debt I supposedly owe to XXXX XXXX in the amount of {$320.00} for services on XX/XX/XXXX. I responded back to XXXX XXXX letter advising them it's not my debt, I did not receive any medical services on that date and I am disputing that my name is attached to that debt. I have requested the additional documents proofing that I have received a services but did not pay for them. Otherwise, it's sound very deceptive. 
I also contacted the original creditor XXXX XXXX regarding this issue and received a reply confirming it's not my debt but it's my deceased husband debt who passed away back in XXXX. 
Apparently the XXXX XXXX wants me to clear deceased 's debt by paying them from my personal funds.That 's why they changed deceased ' name on my name as a surviving spouse without any legitimate reasons as I think of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a negative item on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that my rights under the FCRA have been violated. 
According to the provisions of the FCRA, consumer reporting agencies are prohibited from including negative information in a consumer report unless the information is complete and up-to-date. The reported late payment on my credit report is inaccurate and in violation of the FCRA, as it does not meet the requirements of 15 U.S.C.

1681b ( 2 ) ( A ) ( i ), which states that consumer reports may not be furnished for employment purposes unless the consumer has given written permission. 
In light of these provisions, I respectfully request that you conduct an investigation into this matter and take the necessary steps to correct the error. If it is determined that the negative item is indeed inaccurate, I ask that you remove it from my credit report promptly. 
Please Fix these items, date, amounts update information to paid as agreed Accounts XXXX Account # XXXX These Late payments dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Student loan

XX/XX/XXXX, shortly after leaving XXXX with {$140000.00} in student loans, I entered the XXXX and requested my Federal and eligible loans be placed in deferment. The request was denied without explanation. Instead, the loans were placed in forbearment with interest accruing and CAPITALIZING. XX/XX/XXXX, I entered an XXXX and again applied for deferment. Again, XXXX XXXX rejected my request, even though ALL other XXXX at the same time received a deferment. Even my base commanding officer went through all the proper channels to enforce the deferment as he had never seen a rejection in 18 years of running XXXX and XXXX. These rejections took my student loans from {$140000.00} to more than {$210000.00} in debt, mostly from interest accruing and capitalizing. 

Additionally, my credit score was destroyed, going from a XXXX my entire life to less than XXXX at one point ( XX/XX/XXXX ), causing me to be ineligible for even a basic car loan. It was horrific. 

When it came time to buy an XXXX XX/XX/XXXX, my credit was so bad it almost did n't happen. However, I found a bank willing to loan me money, but at 9 % rather than the average at that time of 6 %. 

I have aggressively paid down loans with {$10000.00} still remaining. 

The damage, though, was prolific. I have paid higher interest rates on car and home loans ( 0.5 - 2 % ) over the last several years, costing me tens of thousands of dollars. More than {$100000.00} in added fees, added interest and destruction of my credit. It has taken me more than 10 years to restore my good credit and my life. 

If ever there was a poster child for malicious denial of deferments by a corporation with power, it is me. If ever there was an example of the horrendous actions and crimes committed against a good man, a XXXX of children and adults, this is it. 

It is my opinion I am due restoration. Thank you for prosecuting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection listed on my reports is totally incorrect. I signed up for a 90 day membership and only received 30 days of service, yet I'm being charged for the entire 90 days which is deceptive and not lawful. When I refused to pay, the company owner got angry and purposfully opened a collection against me even after I gave multiple attempts to come to a civil agreement which were all ignored. That being said, In accordance with the Fair Credit Reporting act XXXX Account # 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