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

I had a 3 year auto loan with Chase Auto on a XXXX XXXX XXXX. Account XXXX. My final statement prior to payoff on XXXX showed a principal balance of XXXX. On XXXX, XXXX was debited from my XXXX checking account which paid off the loan and left a credit balance of XXXX. I received a letter from Chase congratulating me on paying off my loan and a check for the credit balance and title. 

On XX/XX/XXXX, my account was again debited another XXXX. I called Chase and the representative verified that my loan had been paid off, but that I needed to " turn off '' the auto debit myself. I was reassured the XXXX would be returned to my account within two weeks. I waited two weeks and called again and was told the same thing. I called my bank and asked them to look out for the funds being returned from Chase. My bank recommended putting a stop payment on the extra XXXX payment and they filed an ACH dispute. The XXXX was returned to my account on XX/XX/XXXX. 

Starting in XXXX, Chase has re-opened my loan and demanded payment of the cancelled XXXX even though the loan had already been paid off. They have now reported that my loan is over 90 days past due and it has dropped my credit rating! I have talked to no less than XXXX different representatives, starting from scratch each time. They all say that the XXXX payment had been cancelled when my bank and records have verified it was the additional XX/XX/XXXX payment that was cancelled. I was debited twice!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 XX/XX/2017
Product: Mortgage

WELLS FARGO ACQUIRED BY MORTGAGE FROM XXXX XXXX ( XXXX XXXX / XXXX XXXX ) MORTGAGE START XXXX SELECT HISTORY : 1 ) AS THE WHOLE WORLD KNOWS WELLS FARGO FALSIFIED A SCAM ' OF MILLIONS OF ACCOUNTS THAT DID NOT EXIST. FINE NO IMPRISONMENT. 
2 ) ON OR ABOUT XXXX WELLS FARGO AFTER PRESSURE FROMMAYOR XXXX PUT ON A REAL ESTATE PROGRAM @ THE FORMER XXXX XXXX XXXX XXXX. A MR. XXXX TOLD ME I WAS APPROVED FOR A PRE-APPROVED LETTER. HE THEN DISAPPEARED. WELLS FARGO SHUTTLE MY EFFORTS TO GO FORWARD 3 ) WELLS FARGO IN XXXX IVITED ME TO A REAL ESTATE PROGRAM & TOP EXECUTIVES TOLD ME I WAS APPROVED FOR THE SAME & THAT THEY WOULD GET APPROVED TO APPROVE A CONDO SALE @ XXXX XXXX XXXX  THEY FAILED CLOSING DATES & I LOST MY EARNEST MONEY THEY LATER SAID THEY COULD NOT GET APPROVED OF THE CONDO UNDER XXXX XXXX. 
4 ) PRIOR TO SWITCHING TO XXXX WELLS FARGO SAID THEY COULD APPROVE & CLOSE WHERE I RESIDE NOW. THEY FAILED XXXX STEPPED IN & CLOSED. 
5 ) WELLS FARGO AFTER BUYING MY MORTGAGE NOTIFIED OF DEFICIENCIES & INCREASED BY MORTGAGE OVER {$60.00} A MONTH. 
AN EXPERT STATED THAT THERE ARE NO DEFICIENCIES. 
WITH WELLS COMBINED FRAUD - / LOSS OF EARNEST MONEY & NOW SCAM I BELIEVE THAT FEDERAL REGULATORS SHOULD STEP IN & REVERSE THIS SCAM!
Product: Money transfer, virtual currency, or money service

I am trying to close my deceased wife 's Apple Card with Goldman Sachs and they won't let me close it or provide me with any information where I can send a copy of the death certificate. They want me to search my wife 's phone to find information about her card. I am unable to do that. Previously, shortly after my wife 's death on XXXX/XXXX/2019, I called to report her death. I called again on XXXX/XXXX/2019 and offered to give Goldman Sachs any information to identify that I am authorized to close this account, including my wife 's name, social security number, address and the account number and they refuse to give me an address to send this information to them. Unfortunately, there is no paper record to help identify this card. 
Because of their refusal to cooperate with me, the card remains open, the charges continue ( because some charges were on auto ) and interest continues to accrue. I also can not close her estate or get a final bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/2022.
Product: Student loan

My new payment was scheduled for XXXX XXXX XXXX The loan servicer, MOHELA, was supposed to provide me with a bill 21 days prior to payment. I paid my minimum payment on the XXXX but as of the date of this writing, have not received a bill or an explanation of how my payment was applied. When I called MOHELA the wait times are over an hour. I am unable to wait for over an hour to talk to them because of my work schedule.
Product: Credit reporting or other personal consumer reports

DELETE FRAUDF ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Checking or savings account

On XX/XX/XXXX {$1200.00} was sent to me via XXXX XXXX to my Bank of America account. I called to check in periodically on days XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Each of those days i have been given the run around from Bank of America as to where the funds are and who to contact. I have now talked to there customer service, sales, fraud, disputes, and in person departments, and not one person has been able to tell me where the funds are located. At this point it feels as though the money that was transferred to me has been stolen and I want answers. Please help me with this situation.
Product: Credit card or prepaid card

I have an XXXX through Comenity Bank ( AKA, Bread Financial ). Comenity Bank initiated a " planned system update '' that started in XXXX ( my earliest knowledge/experience in regard to this update ). My monthly bill due date is on the first of every month. Because of their system update, I was unable to make my XXXX payment or view my transaction history through their website until the sixth of the month ( XX/XX/22 ). Since then, I have not been able to successfully use my credit card when attempting to make purchases and I am unable to get in touch with any customer service provider to discuss my account or why I am unable to make any purchases. I have never experienced such disregard for customer service with a federally regulated consumer provider. This is astonishing. Honestly at this point, I would like to cancel my account with Comenity, but I can not get any customer support to do even do that. As of recently, Comenity has not instilled consumer confidence with me as a customer and I am highly concerned that something fraudulent is occurring.
Product: Student loan

Been XXXX since 2012 and having issues obtaining information to separate out loans. Unable to obtain a Master Promissory Note through loan servicer. I contacted loan servicer Nelnet for this information and they could not provide. Nelnet suggested i contact studentaid.gov but unable to provide as well since over 10 years
Product: Debt collection

This account has been pass from one collection agency to another XXXX just I got me that you are the owner of this account
Product: Debt collection

I have spoken to the representative from First Credit XXXX in regards to a debt owed to XXXX XXXX when I did not realize my debit card linked to my account had expired. 
I would like to pay the bill but I have repeatedly asked for a written bill as there are too many scammers out there and I would like to review the months I am being billed to ensure accuracy. 
They keep telling me that I am receiving emails and that is my bill. First, I do not receive any electronic communication from them. Second, I would like a bill mailed to my house, as is my legal right. 
I have not received any communications except for phone calls and my pleas for a written bill sent through the mail are being ignored. 
I do not want this to affect my credit score and I firmly want to pay this debt, but my rights are being violated and I don't know how to go about getting a written invoice from them. 
Please help!
Product: Credit reporting

Equifax is report an item from XXXX with an open balance. This account was included in a chapter XXXX bankruptcy that finalized XX/XX/XXXX also the account from XXXX is showing an open balance when it was also included in the bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 



XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$850.00}
Product: Credit card or prepaid card

In XXXX I received a solicitation call from Wells Fargo wanting me to obtain a credit card account. I told the solicitor I would not agree to any terms over the phone, but if they sent me the terms in writing I would review them, and decide if I wanted to open a credit account with them. A few days after the phone call solicitation I received a Wells Fargo credit card in the mail. Due to my naivety at the time I activated the card and began to use it. Later I learned that the account was most likely fraudulently opened, but because I had a sizable balance I was paying off and did not want to go through the hassle of closing the account or deal with possible XXXX XXXX implications I kept the account. 

Finally, on XXXX XXXX, XXXX, due to the unfavorable terms of the credit agreement I decided to go through the process of closing the account. I went to Wells Fargo in XXXX, NJ, and told a personal banker about the unauthorized opening of the credit account. The banker had me talk on the phone to XXXX separate individuals. XXXX individual offered to allow me XXXX months without interest to pay off the balance, but those terms did not seem reasonable because Wells Fargo has already made a lot of money off interest fees from my account and I do n't think they should be making any more. Finally I talked to XXXX XXXX XXXX XXXX XXXX XXXX who told me the credit account was applied for through the mail. I have never applied for a credit card through the mail. She told me she would investigate, but I have n't heard back from her, and Wells Fargo keeps on charging me interest on my credit account payments.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

US DEPARTMENT OF EDU ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$30000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$38000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my multiple unsuccessful attempts to have certain inquiry removed from my credit report. I have made several attempts to resolve this matter, and yet the inquiry in question still remain on my report. This is causing undue frustration and negatively impacting my credit score.

On each of my previous attempts, I followed the appropriate procedures as outlined by your bureau. I have enclosed copies of my prior correspondence and the relevant documentation that supports my claim. Despite my adherence to the correct process, the inquiry have not been removed, and I have not received a satisfactory resolution or explanation. 

I am seeking the following resolution : The immediate deletion of the above-listed inquiry from my credit report.

Written confirmation that the deletions have been made.

An explanation as to why my previous requests were not addressed satisfactorily.

If this matter is not resolved within 30 days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring other legal avenues to ensure my rights are protected. Please help me remove these inquiries immediately : XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of sending dispute letters to Transunion requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Transunion chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX XXXX
Product: Credit card or prepaid card

A week before my scheduled airline flight, I realized that Chase had not sent me a renewed XXXX XXXX card ( XXXX XXXX is a perk that comes with the credit card and includes airport lounge access ). On the week of XXXX XXXX, I called the customer service number on the back of my Chase XXXX XXXX credit card. The customer service representative told me that if I did not receive my XXXX XXXX card before my trip I would be able to access any lounge and any fees would be reimbursed as part of the agreement. 

On XXXX XXXX before my scheduled flight, I did not receive my XXXX XXXX card and therefore I accessed a XXXX lounge and I charged my Chase XXXX XXXX credit card with the understanding that I would be reimbursed for the lounge access, per the customer representative recommended action. 

On the week of XXXX XXXX, I called Chase customer service to make sure that they were processing my reimbursement, however they stated that they could not reimburse my lounge access because the lounge that I accessed was not part of the XXXX XXXX umbrella. However, during my initial call on the week of XXXX XXXX, customer service did not state that the airport lounge had to be within the XXXX XXXX umbrella and only stated that any lounge access would be reimbursed. 

For my call on the week of XXXX XXXX, I asked for my case to be escalated and for my call to be reviewed. I called the following day and asked the status of my request and customer service stated that my case for reimbursement had continued to be denied. I feel that Chase is going against their word and is ducking their responsibility to, me, a lifelong customer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 60 days 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 XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the inquiries that are showing on my credit report and I need them removed ASAP 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