23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On multiple occasions with Chase bank ranging from XXXX to XXXX fraudulent charges were accrued and I was told those types of transactions are non negotiable. Then chase later closed my account for no reason and they claimed to hold their discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

After my most recent payment the company arbitrary placed me in a position to lose possession of my vehicle. These action was committed by the lender immediately after I filed the most recent complaint against TitleMax in regards how they are handling my account. 
The most recent payment of {$250.00} was submitted to the company, but the documentations of the payment is contradictory of it's related documents. 
As of this day I am placed in a position to lose my vehicle to because of TitleMax 's predator lending behavior and to now include retaliation against me by this current action due my previous complaint filed with CFPB against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Our family went on a one week vacation to an XXXX XXXX at the end of XX/XX/2018. We were offered a presentation to join the XXXX XXXX and given a list of many benefits and ultimately joined the membership on XX/XX/2018, paying a deposit of {$2700.00} with expected monthly payments of about {$200.00} for 24 months. Upon our return home we reviewed the documents regarding the membership and realized the language in the contract was vague and not consistent with the information provided to us during the presentation nor with the initial documents we reviewed. I also attempted to log into their website and was unable to. In the process I discovered a consumer website with disgruntled customers stating the benefits of the club are a scam. I reviewed the XXXX and realized their rating is an XXXX I immediately contacted the XXXX XXXX XXXX XXXX on XXXX XXXX and requested cancellation. I was told the benefits were accurate but the contract merely doesn't read that way and to rest assured it was a good program. I insisted to cancel and was asked to write an official request and email it to their member services department. I did this on XX/XX/XXXX. I also contacted my bank on XX/XX/XXXX and filed a claim. In the interim I was contacted by a person from the XXXX, XXXX XXXX, and he continued to ask me to remain a member, stated I was unable to cancel past five days of signing the contract, and no new contract was offered. I continued to express my concerns though several emails and he continued to state I was unable to cancel. My bank has now informed me that my claim is valid and my deposit monies were returned to my credit card. I emailed XXXX XXXX again and again requested cancellation based on my banks determination of my claim and no use of services. He has not responded but I am now getting letters from XXXX, a debt collector. I attempted to call XXXX on XX/XX/XXXX but they stated they needed to verify multiple pieces of personal information before they could discuss the issue at any level. I was not comfortable disclosing the information requested as I don't know this company and I have not dealt with debt collectors before. I gave them my name, address and account number listed on their letter to me and they said they still could not use that information to verify me. The call was ended as they insisted on getting additional information prior to discussing the matter. The letter from XXXX states non-payment may result in garnishment of social security, veterans  pay, wages/salary, and credit bureau reporting as they are a collections company. I would like to clarify how this company is sending me to collections for an account I repeatedly have requested closed and my bank has agreed is not a valid charge.
Product: Credit reporting or other personal consumer reports

Re : Response to Equifax Letter Regarding Inquiries on My Credit Report Dear Equifax Customer Service Team, I hope this message finds you well. I am writing in response to your recent communication concerning the inquiries on my credit report. While I appreciate your prompt response, I must express my deep concerns regarding the inaccuracies in my credit report and the potential legal actions I may need to take to address this matter. 

In your response, you have asserted that the inquiries on my credit report are accurate and factual. However, I would like to emphasize that, as a consumer, I have the right to ensure that the information contained in my credit report is both accurate and factual. It is my responsibility to protect my financial well-being and maintain the integrity of my credit profile. 

Your letter did not provide any concrete evidence or documentation to verify the accuracy of the inquiries in question. I have diligently reviewed my financial records and have found no evidence of the said inquiries being made by me or with my consent. It is my right, under federal law, to dispute any information on my credit report that I believe to be inaccurate or not in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 
According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 
And They also didnt even record the current status of the disputed information which is another violation. 
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 as well XXXXXXXX XXXX XXXX - account # XXXX violated my rights XXXX  - account # XXXXhas violated my rights XXXX XXXX XXXX  - acct # XXXX*has violated my rights XXXX XXXX XXXX  acct # XXXXhas violated my rights XXXX XXXX- acct # XXXXhas violated my rights XXXX- acct # XXXXhas violated my rights XXXX - XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 
According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 
Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 

Proof attached
Product: Credit reporting or other personal consumer reports

CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS XXXX XXXX TRANSUNION, I HAVE NO KNOWLEDGE OF THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been previously Deleted and has appeared again, I have Cfpb documents from the past year that shows the details of this dispute in which the company said that it is deleting this item only to put it back on my report a year later, this is a violation of the FCRA and FDCPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. the date on this account is not valid and it is in error please delete this account it is not accurate FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to dispute a name listed that I never went by ( XXXX XXXX XXXX XXXX XXXX, but there website wo n't let me submit the dispute and they have an excessive hold time on the phone.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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.

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! 


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

After the breach in 2012, I froze all of my credit reports including Experian. Now I need to unfreeze my Experian account so it can be visible to creditors who want to look at my credit. 

But I am unable to log in to using my existing username and password. 

When I request a new password on the Experian website, I am allowed to enter a new password. Then the Experian website forces me into a " new customer '' flow where I am supposed to sign up for an Experian Membership. There are no other options on the page ( dark pattern ). 

So I click the " create account '' button ( at this point I will pay for a stupid Experian membership if it means I will get access to my account ). 

Surprise - I receive an internal server error that says " We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX. '' I have spent the last 4 days trying to call Experian at every phone number listed on the web, including the one above. I have called at every hour of the day during Experian business hours. 

EVERY call immediately dumps me into this voice flow : " You have 2 options for resolving a dispute '', which is obviously the wrong place to start a phone tree. You can request to go to the main menu, but none of the options are " Customer Service ''. And none of the options you select lead to a real person. Every option leads to the same lady telling you she will either 1 ) give you a URL for the website, or 2 ) read you the instructions for dealing with the issue via paper mail. 

fwiw, I had a similar problem with XXXX and XXXX. It appears that in the last 2 years since I logged in, XXXX and XXXX made changes to user accounts. However with those 2 credit agencies, I was immediately able to talk to a real person who resolved the log in problem in less than 5 minutes. Then I was able to unfreeze my account. 

Many creditors ( including one of my current credit cards ) use Experian. Right now I can not apply for anything with these creditors because I can not unfreeze my Experian account. 

It is beyond ridiculous that one can not reach a person at Experian to resolve a real, pressing problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 at around XXXXXXXX XXXX. there was a hard credit inquiry on my credit report accounts from the bank capital one that I never applied for. I was checking my emails on XX/XX/2023 at around XXXX XXXX and noticed I had many of them from cXXXX XXXX XXXX XXXX XXXX XXXX notifying me about the credit report on the inquiry.
Product: Checking or savings account

I was charged alock of over draft fee, that I did not think I should have been.
Product: Mortgage

Get a cup of coffee it is very long. 
First this forclousure is on a debt that's over 20 years old. 

In XXXX of 2022 I went to work on Sundar evening as I work third shift. I opened my gate to leave and I noticed a realtor yard sign in my neighbors pasture with my address hand written on the realtor sign. I was puzzled but did not bother it. as it was on my neighbors land. So the next evening I left for work and on the inside of my gated driveway was a XXXX XXXX XXXX big thick envelope. I opened it and inside that envelope was a white envelope the was exactly like the one on the realtors yard sign. So I opened it up and it stated. 

( From XXXX ) On XX/XX/2022 there was a public auction at the county courthouse for property located at XXXX XXXX XXXX XXXX XXXX, MO. 
We have attached a copy of the sale notice that was published in a local newspaper. 
There were 5 bidders present besides the lender that ordered the sale. I think all of us were smaller private investors that buy a smaller number of properties each year. Four of the five bidders made bids at the live public auction on the home. XXXX ended up being the winning bidder. We should receive the deed in less than 30 days from the trustee. 
WE plan to offer the home and land for sale. It has always been our courtesy policy to offer the opportunity to buy the home to previous oweners first when the property is occupied at auction time. Would you have interest in buying the home? 
We have reached out and paid for insurance on the property to protect our investment. 
Wer are hoping you will have interest in buying. We would sell it to you for a lot less than we would sell it to anyone else. 
Please feel free to reach out with questions by calling or texting XXXX. Texting is usually a quicker and easier way to communicate for us but we'er avaliable for phone calls also. 

Thats the letter I got in the envelope. I had no process of service, no dunning letter from the debt collector. And no judgement filed against me or my property. None. We proved that by mailing a sunshine law request to our XXXXXXXX County Court Clerk. And we had a professional Title company do a title search to check if there were any Judgements. None. 
I hired two law firms with three attorneys handling my case and all three abandoned my case and put in a motion to withdraw after I demanded the attorneys assign another company called Southlaw as primary defendent and XXXX  as co-defendent. 

So now I have to do it myself. 

This has been going on now since XXXX of this year. I also sent off a ( QUR ) qualified written rerquest. to Southlaw, XXXX and their attorney, and everyone on the assignment that was on my title from the XXXX County Recoreder of deeds. I received nothing back from any of them as to validate the debt. 

I'll stop here and let you people do the rest. 

Respectfully XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Within the last year havent had reported several missed payments and are STILL reporting inaccuracies on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I found out from an email from Capital One that I had missed my payment that had been due on XX/XX/20. I immediately took action and made a {$300.00} payment through my online bank account. The minimum payment was {$25.00} on a {$710.00} balance. This was the first time I had missed a payment, and the first moment that I realized a payment was missed. What I am complaining about is that Capital One completely locked down my credit card over this one missed {$25.00} payment on a {$710.00} balance. I was charged a {$25.00} late fee, and I am OK with that because I did miss the payment, however, I think Capital One 's reaction of locking the card down was harsh and an abuse of a consumer. This over-the-top reaction caused me some problems when companies I used the credit card with tried to get payment for my purchases after Capital One had locked the card down. I also ran into problems trying to use the card at the point of sale as it was being declined and I still had no idea what was going on with it because I was never notified by writing, phone or text, that they had locked down my card because of a late {$25.00} payment. I have had this card for many years, and my payment history is very good, and I have never just made the minimum required payment, it has always been much more than the minimum. Nowhere can I find in the card user agreement that the card would be locked down in the event of missing a single payment, especially a low payment and low balance, and after only a few days. I ended up closing the Capital One account because of this, but how many people have they abused during this pandemic when many people will find it necessary to either miss a payment or be a little late, but still rely on being able to use their card.
Product: Vehicle loan or lease

United Finance sued my brother in law and I for the remaining balance on loan and won. My brother in XXXX XXXX XXXX had his wages garnished and the monies were paid in full. XXXXXXXX XXXX stopped garnishing wages because it was paid in full. United finance has been asked to change terms of loan on credit but are stating they havent received payment. They have not contacted anyone to follow up with where there payments are and we have completed our due dilligence on payment. Please ask United finance to contact XXXX and find out why they havent gotten payments or where they were sent to. I want this off my credit report asap!! It has been paid. I have no way of contacting XXXX since it is not my employer. Thanks
Product: Debt collection

NATIOSTAR MORTAGE IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XXXX.