23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft Report.
Product: Credit card or prepaid card

We are USAA customer and have all of our financial life with USAA. We received a promotional offer on our credit card for 0 % APR on our card for balance transfer. We called USAA to ask about the term and conditions and were told that we had to get a convenience check for us to do such a large balance transfer ( {$10000.00} ) we ordered the checks on XX/XX/XXXX and did not received them until XX/XX/XXXX. We called to initiate the balance transfer at which point XXXX from the Executive Resolution team told us " oh well tough luck. The promotion is expired and I know you got the checks late, but it is your fault! '' how is it my fault that USAA took on months to send the checks? We were promised by USAA on XX/XX/XXXX that so long that the request for checks was initiated before XX/XX/XXXX that we will be able to take advantage of the promotion which we did as we were told. XXXX decided to go against the offer, rules and regulations and said that she answers to no one that she is the decision maker, and her word is final. 

Please help, Thank you, v/r, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. XXXX/XXXX XXXX, XXXX XXXX/XXXX. As a result, I contacted the local police and FTC.
Product: Credit reporting

Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX was 30 days late. 
Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX is missing and not applicable.
Product: Mortgage

I received a notice of service transfer from XXXX in XXXX stating my mortgage was transferring to Mr . Cooper. ( FKA Nationstar ). On XXXX XXXX, XXXX I received an overnight letter from XXXX explaining that my loan was removed from the transfer and i would be remaining at XXXX. I have an ACH set up on this account, and it drafted my monthly payment as expected on the XXXX. I received an email from Mr Cooper on XXXX/XXXX/XXXX stating that my loan was now being serviced by them and that my ACH would automatically transfer to them and they would remove my payment from my bank account. I called Mr Cooper to confirm who was servicing my loan and make sure two payments would not withdrawal from my account. The associate stated she could not help me because all of my information had not been received into their systems yet, but she confirmed that they do service my loan and she was not sure why XXXX sent me the retraction letter. I asked her to escalate this as i had serious concerns - 1 with their ability to auto withdrawal from my account without my express written consent, and 2 that i needed to ensure my loan was only with one company. She said since my loan was still being set up there was no one that could help me. she then proceeded to explain that Mr Cooper is in the process of boarding XXXX loans and they are getting a lot of calls so they could n't help me for another 6 days. I asked again if there was really no one that i could escalate too as this may be affecting more customers than me. She said they 've received several complaint calls about paid in full customers that should n't transfer, but not about my situation. I again asked who i should call, I suggested XXXX and she agreed I should call them. I did call XXXX tonight and spoke with XXXX, who was extremely helpful, confirmed my account was supposed to stay with citi and the retraction letter was legit. He attempted to conference Mr. Cooper in on the line with me to get the issue resolved, but the IVR stated they closed at XXXX CST today. It was a few minutes BEFORE XXXX CST when the call attempt was made. What kind of customer service is this? I work, i do n't have time during the day to call and resolve the inadequacies of a mortgage servicer like Mr Cooper. I will now need to call tomorrow and hope I can get through to them.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Transunion will not let me file a online dispute, tried to call always put on hold up to 1 hour
Product: Payday loan, title loan, or personal loan

I took out a XXXX $ loan in XX/XX/2016. I have been paying XXXX $ a month since to pay off the loan. The balance currently owned on my loan is XXXX. I have contacted the company MULTIPLE time to let them know I have paid back this loan times already with interest. I didnt realize the interest was at 96 %. I didnt realize a company could allow the interest to be so high. I have the account tied to my main bank account so it comes out automatically every month. There has to be something that can be done to get out of this loan. There is no longer any contact information on the website to get in contact with anyone.
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXXLate/Closed Late Date XX/XX/XXXX
Product: Debt collection

Received a call from D2 management saying that I owed a payday loan from XXXX. I said that is it false and the woman said it is over 1100 that I owe. I said I know my rights and I want something in writing and she said that the have my SSN number but would only give the last four. She stated I would be in big trouble and then I hung up.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have been continuously reporting inaccurate information on my credit report, even after previous disputes. I have attached a letter that provides proof of the inaccuracies and discrepancies in the reported information. Despite multiple attempts to have this resolved, the errors have not been corrected, and no valid documentation has been provided to support the continued reporting. I request that this matter be fully investigated and that the inaccurate information be removed from my credit report based on the evidence provided.
Product: Credit card

On XX/XX/year> @ Booked online ( 4 ) refundable tickets with XXXX for {$6100.00} via American Express. 

Date of Travel : XX/XX/year> - XX/XX/year> Later on XX/XX/year> called and spoke XXXX XXXX customer service agent XXXX XXXX requesting a refund of my refundable booking due to my lack of confidence in XXXX XXXX, system issues, and discovered bad reviews ... ..which said she that the booking would be cancelled and refund processed and to wait XXXX days, she also provided refund number # XXXX. 

After 15 days, I disputed the charge since no refund was processed as assured. 

XXXX charged my American Express with not ( 1 ) total charge, but ( 4 ) separate transactions equal to the amount of {$6100.00}. 

Since XXXX, I've spent several months calling, updating, and working with American Express to resolve the simple refund issue of ( 4 ) inaccurate charges.

At this point, American Express has closed/resolved about 75 % ( 3 of the 4 transactions ) of the dispute. But unfortunately, they have yet to resolve ( the final inaccurate transaction ) this dispute completely.
Product: Mortgage

Had an escrow overage. Requested escrow analysis to get overage for property taxes but specifically asked for payment not to decrease as the first year 's property taxes were based on the lot value and would be grossly under estimated for this year, if changed. Received check. Payment lowered. 3 attempts to raise payment have been made. XXXX ext. XXXX Discussed increasing payment back to {$3600.00} on XXXX at XXXX. He is getting with the escrow department to get payment increased after the escrow analysis. Calling me back. Never received a call. Called Back and spoke with XXXX ( dialed XXXX 's ext ) on XXXX at XXXX. Was told by XXXX to call back on Friday XXXX to follow up. Asked why they can't call me? She said that the outbound calls are automated and she suggested me calling back to follow up. Offered to send the Closing Disclosure to verify estimated taxes. No go ( I have attached for verification along with the title work- Please note that this is not my XXXX when reading ). Why is there no e-mail or messages that can be sent back and forth to track progress?
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, XXXXXXXX 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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX ( chargeoff ) {$1000.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft :
Product: Checking or savings account

Good Afternoon, Chase bank sent me a marketing email offering a {$900.00} promotional bonus for opening a checking and savings account and meeting certain requirements. Those requirements per the Chase terms and conditions were : **Have a direct deposit made from my employer to the checking account within 90 days of coupon enrollment **Deposit at least {$15000.00} within 30 days of coupon enrollment into the savings account **Maintain at least a {$15000.00} balance for 90 days from coupon enrollment in the savings account. 

Per their terms and conditions, after meeting these requirements my {$900.00} bonus was to be paid into my account within 15 days. 

I opened my accounts with Chase in late XXXX of XXXX. My bonus payment should have been made by mid XX/XX/XXXX. I contacted Chase on XX/XX/XXXX that I had not received my promo bonus for my new account signup. I was transferred to an escalations team who confirmed they had been having issues with coupon codes not being correctly applied. They then claimed they were having system issues and were unable to open a case internally to look into my issue. I tried back over the proceeding days and was told the same thing. Finally on XX/XX/XXXX, I spoke with an escalations supervisor who was able to create an internal case to look into why I had not received my bonus. They confirmed that my account met all of the conditions for the bonus and that they would be reaching out in 2-3 business days to let me know when to expect payment. I was never contacted. I reached out to Chase again on XX/XX/XXXX and spoke with XXXX, and escalations supervisor. She confirmed I met the qualifications but did not have a timeline on resolution. She said the research team was looking into it and would follow up in 2-3 business days. Again, I was never contacted. I called into Chase again on XX/XX/XXXX and spoke to supervisor XXXX who said she had marked the case as " urgent '' and that someone from the research team would be reaching out within 24 hours. Again, I was never contacted. I called into Chase again on XX/XX/XXXX and spoke with XXXX, an escalations supervisor and was told that the e-coupon department was now looking into it but he did not have a timeline on resolution. I informed XXXX that it had now been almost a month since I notified Chase of the issue and that was unacceptable. I informed XXXX that I would give Chase until XX/XX/XXXX before sending a letter of demand and then filing a small claims lawsuit for the bonus amount owed as well as forgone interest on the balance and damages. Still no timeline was given. 

I have the emails and printed terms and conditions of what Chase committed to pay me for opening new accounts. I have met all terms and conditions and multiple supervisors at Chase have also confirmed my accounts met their criteria to pay the bonus promised.
Product: Debt or credit management

I don't remember the year but it was in the XXXX  I was having Lexington law taking money out of my XXXX check every month only to find out that my credit was not getting repaired. Like I said I don't know the dates but if you need my information I will gladly provide it for you or I can be reached at ( XXXX ) XXXX
Product: Debt collection

I called Keynote Consultants who is managing a collection account of mine for XXXX XXXX at XXXX XX/XX/20 The man I spoke too identified himself as XXXX XXXX XXXX Now Mr. XXXX is listed as the company 's COO and I highly doubt that he himself would be handling collection accounts or speaking to debtors in such a derogatory manner. But that's besides the point. I was looking to see how accouny could be settled. I asked if I could offer and amount to be presented to XXXX XXXX yo clear debt and update as such on my credit. The man on the phone stated " I can settle debt, but I can't remove it from your credit, I'm not even allowed to, its against the law. '' Now am I to believe that if I settle a debt I can not receive it in writing? That if I settle a debt I can't have it updated to my credit as paid? 

He proposed a question, " If i close this account for {$3800.00} but don't send it in writing and don't report it as paid do you want to settle? '' I answered " not without it in writing '' His response " enjoy seeing it on your credit for 7 years and hung up '' Someone please help the way this person spoke down to me and refused to present offers to client is very wrong.
Product: Debt collection

I have no idea about this collection. I would like to see the contract between me the original party and a debt collector. I would like to see a contract between me and the debt collector and original party. I have no idea about this collection.
Product: Payday loan, title loan, or personal loan

I have consumer portfolio services I pay monthly for my car. I paid XXXX car payment and it wasnt credited to my account. I tried paying XXXX XXXX and for some reason it kept saying failed but I knew I had the money on my credit card. So I called consumer Portfolio service and it went to someone house phone that works for them left messages. Then I called my credit card company and with transactions when the payment that was getting declined said XXXX  but also said it was going towards a mortgage payment. I called XXXX  and of course no answer let a few messages then I called my credit card company and reported fraud and canceled the card and getting a new one. I am so beside myself I am grateful that it didnt go through. I am not going to pay them with my bank account so I dont know what to do. I also want to know what happened to XX/XX/2022 payment
Product: Vehicle loan or lease

Pertaining to Vehicle XXXX XXXXXXXX XXXX XXXX, Wells Fargo has been allowing XXXXXXXX XXXX XXXX XXXXXXXX family to unlawfully credit their account with XXXX. XXXX XXXX XXXX XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX from XXXXXXXX XXXX XXXX. 

The Correct tender has been sent to said party to correct for set off Several forms of written correspondence has been sent to Wells Fargo Auto, along with endorsed contract with tender or payment for full remittance. 

Wells Fargo has violated many consumer laws. 

1099a filing to the IRS was accepted.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a phone call and a text from Citibank inquiring as to whether I had recently attempted to charge {$930.00} for clothing. I had not. I spoke with a Citibank representative on the phone and explicitly stated that neither I nor my husband, who also has a card, had attempted to make this charge. The representative assured me that all was well and that the charge would not appear on my account. On the XXXX, I looked at my account online and saw that the {$930.00} charge was pending. It appeared that my existing account was closed and another account was being created. On XX/XX/XXXX I looked at the account online again and saw that the {$930.00} charge had been posted to my account. I had a credit balance because of a reimbursement for unused airline tickets, and the {$930.00} had been deducted from the credit balance. There was no indication that the charge was an illegitimate charge. I disputed the charge online and received a text from Citi stating that I would be receiving a new credit card. On XX/XX/XXXX I called Citibank and spoke with six different representatives. Even though I explained several times that the bank had identified the charge as illegitimate and presumably had denied it, I was unable to get the {$930.00} restored to my account. Representatives insisted that I had not been charged although clearly I had. A print-out of the online account status is attached. The last person I spoke with told me that an investigation was underway and that the credit card company had a process that they were following. I have received nothing in writing about this charge from Citi either online or by mail. I have requested that the account be closed and that the credit balance be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items 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. 
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 reporting, credit repair services, or other personal consumer reports

Capital One Bank # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.