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

I already consolidated my student loans and have 1 payment. The other student loans reporting are now closed and are reporting on my credit report and I don't want them on there. Experian has told me they can be there for 7 years.
Product: Checking or savings account

I XXXX XXXX XXXX made a check for XXXX XXXX XXXX for the amount of {$1500.00} on the date XX/XX/year>. XXXX XXXX went to his bank, ( CHASE Bank ) in XXXX CA, to deposit the check. XXXX XXXX deposit the check through the ATM on the date XX/XX/year>, the next day he found out his account was block. He called the bank and they told him it was because the check he deposit on he date XX/XX/year> need to be verify by me. On the XX/XX/year> we both i and XXXX XXXX went to the CHASE bank to verify the check, it took us more than a hour speaking to the bank associates. After all the work before we left they told me and XXXX XXXX that in XXXX to XXXX business days XXXX XXXX was going to receive a check with his priviest balance plus the check he deposit for the mount of {$1500.00} because they close his account. XXXX days pass he receive a check by CHASE bank with only his previous balance before deposing the check I made for him of {$1500.00}. So he was missing the {$1.00}, XXXX XXXX went to the bank and once again they told him that the check need it to be verify by me. Once again we both went and the same story, we went like more than 10 time. I even took a interpreter just in case if i was misunderstanding something, my nephew XXXX XXXX went with me and it was the same thing. So I ask CHASE bank to please return that money back to my account and I'll just pay XXXX XXXX cash. The Bank CHASE hasn't fixed this problem, they don't want to return back my founds back to my account, they have ask me more than ten time to verify the check, they have cashed the check and nothing has happens. I had to pay XXXX XXXX again {$1500.00} in cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about Equifax. Since XXXX last year, I have been trying to manage my freeze online with no success! To freeze my account, I had to call in, wait on hold for hours, get diverted from one department to another, and finally got my account frozen. I was then able to log in online and see the freeze, but to my surprise, I couldn't manage it. It was always giving me an error message, every time I was trying! I again spent hours and hours with agents over the phone, to get it resolved so that I can freeze/unfreeze online as normal. I then got tons of empty promises that it would be resolved, and got a case number : XXXX. 
On XX/XX/2019, at XXXX XXXX  they sent me an email stating that it was resolved. I logged in to find I still can't manage the freeze online. I responded to that email but since then I have never heard from them. 
Trying to resolve this over the phone ( back then ) was a nightmare because of waiting times and poorly trained agents. I simply want to be able to manage my freeze online the way it is meant to be. 

Thanks. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX # XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$56.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Product: Credit card or prepaid card

When the pandemic hit I signed up for Covid-19 waiver with this waiver not supposed to get fees for missing payment as payments delayed. I have tried resolving issue through company with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a XXXX 's XXXX account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX Transunion. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. XXXX 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the unresolved fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing significant distress and financial harm. 

As outlined in my previous communications, I have diligently provided all necessary documentation and evidence to support my claims of fraudulent activity on my credit file. However, it appears that these efforts have been in vain, as the fraudulent items continue to tarnish my credit history and reputation. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes appropriate measures to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the steps being taken to address the fraudulent items and a timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX Freeze on all XXXX Credit Bureaus. I gave authorization for XXXX XXXX for an inquiry to XXXX Bank on XXXX XXXX, 2017. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX Bank exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( XXXX times ) in the past month when only XXXX time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, 2017 by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, 2017 and my first payment isnt even due as I was approved, yet their company couldnt explain why XXXX more were done. I need XXXX, XXXX and Transunion to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a XXXX  Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX Bank did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Debt collection

I am writing to dispute the validity of a collection account that has appeared on my credit report. The account is listed with account number XXXX, and I have no knowledge of this account. It has come to my attention that this account is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ), I have the right to request detailed information regarding this alleged debt. Specifically, I request the following : 1. The original contract or agreement pertaining to this account, along with any application bearing my wet signature.

2. Documentation proving that I am responsible for this debt.

3. The complete account history and transaction records associated with this account.
Product: Credit reporting or other personal consumer reports

Delete all these hard inquiries that appear in my credit report and I don't recognize : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I applied for a line of credit on XX/XX/22 and was approved for {$1500.00}, which resulted in a hard inquiry on my credit report. I was told I could expect my card within 7-10 business days ( by XX/XX/22 ). 

I contacted the company to follow up after two weeks and was told they simply can't issue and manufacture cards. They have no idea when the card will be available to me, despite my application approval. I submitted an inquiry and received no follow up or communication. 

It's been a month now and there is still no estimated deadline for issuing a credit card. 

I have received a hard inquiry on my score for a line of credit I have no access to, or no promise of access to. It's incredibly unethical to accept applications and pull credit for cards and funds this company has no intention of providing.
Product: Mortgage

Rocket Mortgage failed to apply payment from XXXX account in XXXX- did not notify ( XXXX was available to pay ) called multiple times to fix issue starting in XXXX, was promised that it would be fixed, and now they have charged me for gap coverage due to their issue, and have not returned money even though they were the ones that failed to make payment.
Product: Mortgage

XXXX XXXX XXXX # XXXX was helping us with a cash out refinance and after we paid for the appraisal we decided to cancel and not move forward with the entire process. ( I attached the documentation when I let XXXX know twice and even called XXXX ) I never received a response from XXXX and because of that they went ahead and contingently approve the loan which means they were never told this loan was withdrawn at our discretion. XXXX never let anyone else in XXXX department know as they confirmed they were not aware. XXXX is breaking XXXX agreement with having an NMLS and not doing what the consumer wants and truthfully it seems XXXX proceeded with the loan to collect gains, as in maybe XXXX receives incentive kind of like XXXX XXXX. I am extremely disappointed and upset over this situation with XXXX and the company and XXXX needs to be watched as XXXX is not aware of how lending works and how important having an XXXX really is
Product: Debt collection

When I cancelled my service with att and finished laying everything off. They sent me an additional bill for {$2500.00}. I asked for itemization on the bill since I didnt know what it was for. They sent another bill and it just said I owed money but didnt explain what for. I went to the closest store and they couldnt help me. Said I needed to go online. So I did and they sent another bill that was supposed to be itemized so I could see what this mystery charge was for. The bill was again not itemized so I have no clue what the charge is for. I explained I am not going to pay a mystery bill with no explanation as to what it is for. Then they sent it to collections. While dealing with them I was told I could get an itemized bill. I never have received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 Section 602A 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 account without my written instructions.
Product: Debt collection

Date : XX/XX/2021 Amount : {$550.00} Action Taken by company : I.C. Systems reported a fraudulent account on my report. Never received a dunning letter.
Product: Vehicle loan or lease

" My personal information was compromised in the XXXX XXXX data breach. As a result, an unauthorized auto loan was opened in my name in XX/XX/XXXX. I discovered this issue after reviewing my credit report in XX/XX/XXXX. I immediately disputed the account with XXXX, as I did not authorize the loan. Despite submitting a dispute and requesting the removal of the fraudulent account, XXXX has not taken action to remove it from my credit report. I have also provided XXXX with supporting documents, including an FTC Identity Theft Report and proof of the data breach, but the issue remains unresolved. I am seeking resolution and the removal of this fraudulent account from my credit file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 Section 604 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} 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 XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$500.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I've had this LOC for almost 2 years and never missed a payment. I've paid it down and used it regularly. This past XX/XX/year> I had to max it out to help pay for wedding stuff. I got behind and was unable to make full payments. I asked what could be done and they said to make " promise to pay '' partial payments and that would keep me out of collections and keep good standing. I have made regular small payments of XXXX every week or XXXX since mid XXXX. I looked on my report today and I saw they have reported me XXXX days late and over the limit killing my credit score. I have worked hard to build my credit up to XXXX and now it's ruined because of them. I spoke to XXXX different people and they just say " that's the way we do business. '' This company is a scam and now I'm stuck in this mess.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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

My credit card was stolen in the month of XXXX and I open up a fraud Dispute on it and I noticed that capital one rebill me for XXXX XXXX for the amount of XXXX they said that XXXX has credited them but capitol one rebill me and holding me responsible for it and I should n't be paying for it and they would take it off my bill
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently found accounts on my credit report that I did not open. Please ensure these unauthorized accounts are removed promptly.
Product: Consumer Loan

My complaint is against VW Credit. I opened a loan at a VW dealer with them on XX/XX/XXXX. The dealer is another story which has to do with the finance department whose best practices are terrible. They did not even go over the paperwork with me which is why i got, excuse me, screwed. If you think that would be a good complaint, then please let me know. But for now, lets just take VW Credit. I worked in the computer banking service bureau environment for over 25 years starting in the late XX/XX/XXXX, so i know all about banking which includes credit bureau reporting. I worked with XXXX and XXXX in the dark ages and know how reporting is supposed to be done. The credit bureau reporting of VW Credit is horrible. It is not consistent ( monthly ) reporting and some fields are inaccurate and field accuracy is different between what they report to XXXX and XXXX. A big problem has been that they keep reporting my monthly payment wrong and also the date of last payment, and did i mention they have sporadic updates? yes i know i did. I have a very good credit rating ( high XXXX ) and have made a couple of bad financial decisions and under normal circumstances, i would not even report this, but these people need some talkin ' to about their procedures. Their monthly statements do not even have a stmt date on them! As for the monthly payment, originally it was {$320.00}, but when i decided they screwed me on the Extended Warranty and Gap insurance ( this was a 3 year lease that came back that i bought ), that was taken off and it went to {$270.00} and every since it has been reported wrong. It is all wrong and i have the copies of the credit reports to prove it. Like I said, this has been exasperating to me. I am at the point where they told me now I have to send them a letter to be sent to the upper management. A special letter. This was after XXXX or XXXX attempts to have them correct their procedures. I also must say that this has made me go to a credit union and I am in the process of taking the loan away from this probably by next week. I talked to a CFPB agent and she told me that would not matter. This is a HUGE lending company and they are so far out of compliance it is not funny. So I will follow what i am supposed to do next to provide the documentation. Thank you.