23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Chase Auto Finance-Loan # XXXX XXXX XXXX Trust issued a check to Chase Bank Auto Finance XXXX, AZ on XX/XX/2019. Chase Bank claimed the check never arrived. XXXX XXXX issued a stop payment, re-issued a check on XX/XX/XXXX via XXXX XXXX overnight. Chase Auto Finance signed for and received the check on XX/XX/XXXX, XXXX. Called chase auto finance at least 10 times and finally received confirmation the check was found by? department on XX/XX/2019. Chase Auto Finance employee # XXXX said verbally the check would post to the account in 24 to 48 hours. As of today, XX/XX/2019 the check hasn't posted to the account. Called chase auto finance -talked to employee # XXXX who said no the check hasn't posted but will in 10 to 14 days. Chase continues to add late fees to my account, affect my credit report and lastly do a very poor job handling their customers.
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 am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. Mohela Has had me on it since they bout out the original debt. Please help update that amount.
Product: Vehicle loan or lease

I went to a dealership to buy a car. I intended to pay in cash. The salesman assumed because I was XXXX  I would need financing, and ran my credit without my permission.
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 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

I had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted Experian and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on Experian and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS ACCOUNT CHARGED OFF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I sent a letter to the collection agency to validate this alleged debt. On XX/XX/2018 I received a letter saying they " verified '' it but determined that my " dispute '' didn't contain sufficient information to resolve the matter. I do not owe this company anything. The original debt from, XXXX SOLD this account to the collection company, XXXX  XXXX. In the US law  encyclopedia, XXXX   XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
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 XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 USC1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 r4easonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and Inquiries On Credit Report. 


1. XXXX XXXX XXXXXXXX {$1300.00} 2. XXXX {$6200.00} 3. XXXX XXXX {$4000.00} 4. XXXX XXXX XXXX {$520.00} 5. XXXX {$280.00}
Product: Credit card

This company made me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact you numerous times and conveniently you are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Your agents have asserted that they will not return my money. This entire ordeal is sketchy! It has been my experience, while speaking with other companies such as Impact Knowledge. During the month of XXXX, my full time employer was working me XXXX hour shifts per day, six days a week. I made the executive decision to suspend my coaching sessions wherein a representative would XXXX XXXX XXXX train me on how to build my website my coach agree. My sessions were nowhere near completion. Then without notice you switched my coach. The new coach ONLY mission was to encourage me to register new credit cards my XXXX name, so I could be stuck in more debt, instead of starting business, appropriately. To date, I have yet to receive the product as described. 
I advised my credit card company of the situation, and the simply refuse to open up an investigation on my behalf. I even told offer this company the opportunity to remedy this situation directly. They told me they were XXXX company but charged me as a completely different company. Please get my credit card company to consider this matter seriously.
Product: Credit card or prepaid card

Purchased a dryer online through Sears using a Mastercard. Sears charged the card for {$930.00}. My card was immediately flagged for fraud alert by Citi MC. I called and confirmed the charge. My receipt said " Scheduled for Delivery : XX/XX/XXXX. We'll call you the night before your delivery to confirm your delivery window. '' No call received on XX/XX/XXXX. No call on XX/XX/XXXX. When I called Sears, the representative said that I HAD to call to schedule delivery. This is NOT stated anywhere in my receipt, on the Sears site, nor in my confirmation email. I waited on the phone for an hour. My credit concern is -- - Sears is violating the terms of their vendor agreement with Citi MasterCard by charging my card and falsely stating the delivery procedure. Furthermore, the procedure stated by Sears is false and misleading. I still do not have the dryer and there is no date scheduled for delivery. But, my card has been charged {$930.00}. I still need the dryer. MC is allowing vendors to operate outside of the terms of their agreement - stated here : https : XXXXXXXX. I am concerned that if i cancel the purchase - i will be charged by MC for confirming then cancelling the charge -- and Sears will hold me liable for the purchase.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Had XXXX XXXX for years. Bought something for {$18.00}. They on their own, said they decided to send bill electronically. Never got. Saw my XXXX drop from XXXX to XXXX so called to find out why and was told about XXXX. Called XXXX and complained. They dropped late fee and I paid the {$18.00}. They refused to take the delinquent notice off my credit report. 
Contacted credit report companies and was told XXXX had to do it. Given the run around for a year. I want the bureaus ( 3 ) to take this fraudulent info off so my credit report reflects the truth.
Product: Mortgage

Reopen case XXXX and XXXX. Fidelity did not send me a response to my letter of inquiry directly. I discovered their answer on the CFPB website. The answers furnished by XXXX XXXX to my six questions are incomplete. Their company has no grounds to not honor their policy as there was no " purchase. '' The company is obligated to honor the policy as XXXX XXXX ( My former name ) and the XXXX XXXX XXXX XXXX as it is me. This company through XXXX XXXX XXXX failed in their fiduciary responsibility to disclose the trust and trustee ( question 3 ) or the financial asset account number generated from the sale of my securitized 2005 note. XXXX XXXX asserts she has no knowledge of any trust? XXXX XXXX claims Fidelity has no responsibility for the actions of XXXX XXXX XXXX yet answers for them. Fidelity, XXXX and XXXX XXXX XXXX used the XXXX system to hide the trust and financial asset they created which still remains undisclosed to me. XXXX XXXX lacks standing and XXXX XXXX  never gave me a loan but they got paid three times over and beyond on the sale of the securitized instrument governed by XXXX and mistakenly tied to the collateral my property XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my XXXX XXXX XXXX is XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX.I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with BK OF AMER was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

BK OF AMER Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XX/XX/2022, {$37.00} purchased a XXXX tights online. The product was received brand new but defected. So I contacted the merchant and merchant confirmed item was defected. However the merchant refuse to provide a return. Thus I file a claim with Chase return protection comes with my credit card benefit. The item fits the description on the advertise site on Chase that eligible for return protection. I attached a copy of their benefit page with this complaint. 

The bank rejected my case by 2 reasons : 1, Your item was not received in like-new/good working condition. Which is false, the item is brand new. Since it is defect it would never be in going working condition, and it is the whole reason I file the claim. Also on Chase benefit website there is never mention anything about 'good working condition ' in the first place. 

2, Items purchased outside the United States are not covered. Which is also false, it is an US website charged me USD. Chase is saying the company is headquartered on XXXX. However, that make no sense and if it is the case then all purchases from XXXX, XXXX, XXXX, and etc. are all not going to qualify for this protection? I never purchase this item outside of US and there was no currency exchange involved. 

Chase is giving me invalid statements to reject my claim which they advertise they provide you 'return protection '. This is not acceptable. When their customer spends XXXX  and trying to use one of the protection they advertised they turn them away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was a victim of identity theft. Someone took out a personal loan from Customers Bank through XXXX. I contacted Customers BankXXXX on XX/XX/year> and again on XX/XX/year>. They provided me with a package to complete for there investigation. I was able to provide everything they requested with the exception of one. They were requesting a note from the bank ( XXXX ) stating that the account that the funds were transferred to showed fraudulent activity. The bank would not provide this information, which I explained to XXXX. I also requested that the contact the bank directly as a part of their investigation, which they did not do as far as Im aware since the bank stated over the phone to me that there was fraudulent activity and the account has since been closed. They concluded their investigation stating that the loan is valid. I did not take out this loan and now my credit score is being negatively impacted. I also reached out to them via email on XX/XX/year> communicating the same thing. I received a letter on XX/XX/year> that their investigation determined that the debt is valid since they didnt receive the letter from XXXXXXXX XXXX showing that there was fraudulent activity associated with the bank account ending in XXXX. I communicated to them multiple times that XXXXXXXX XXXX  confirmed that there was fraudulent activity on the account and closed it. However, they would not provide me with a letter. Therefore I requested that Customers Bank contact XXXX directly as a part of their investigation. If they were concerned with conducting a thorough investigation I would think they would contact XXXX. I dont believe that happened and therefore their investigation is incomplete. Lastly, in my initial discussions with XXXX, none of the personal information matched mine. Different address and phone number. So Im not sure what the vetting process is for them but this didnt make any sense. Why wouldnt this raise a red flag? I think that probably needs to be reviewed as well.
Product: Credit card or prepaid card

Hello, I was scammed out of {$30000.00} on XX/XX/2022 using my checking account and savings account and credit card.
Product: Credit reporting or other personal consumer reports

I am writing to formally communicate this inclusion of the following bankruptcy records on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting an immediate investigation and removal of these inaccuracies : XXXX. Chapter XXXX Bankruptcy Filed XX/XX/year> I have received a letter from the bankruptcy court confirming that they do not provide information to credit reporting agencies. This means that Transunion has not directly verified the accuracy of this information with the bankruptcy court. Therefore, I request that this item be removed from my credit report immediately, as they can not be properly verified. 

Additionally, as outlined in 15 U.S.C. 1681, negligent noncompliance with the Fair Credit Reporting Act can result in civil liability. If this matter is not addressed promptly and accurately, I reserve the right to pursue legal action for any damages incurred as a result of this inaccurate reporting. 

Despite my request for an investigation and removal under the Fari Reporting Act ( 15 U.S.C. 1681 ), These inaccurate items remain on my report, negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Product: Credit reporting or other personal consumer reports

There is a collection on my report that isn't mine.