23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, I got a notification from XXXX XXXX that my XXXX score has changed, when I double checked it through XXXXXXXX, it showed that Central Portfolio Control Inc has reported a medical bill to credit bureaus which has negatively affected my credit score immensely. I have not received any written notice, voicemail, or even an email regarding this bill. I was never given proof that this debt exists and I never had the opportunity to have this debt validated. I also never consented this company to have any information about me or my medical records. I have every right to be informed in writing and given ample time to look into this before such drastic action was taken against me. I have a very good credit history and this is the first derogatory mark in my record. This wouldn't have happened if Central Portfolio Control Inc has done their due diligence to inform me of this alleged debt.
Product: Credit reporting or other personal consumer reports

My first time checking my credit report because of a job requirement and I notice things on my credit report that are not mine. Now that I need to take courses that align with my Career path I am hindered because of these accounts. I have made disputes to Experian credit bureau already to have these charges removed. I am currently waiting on a status.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credi
t reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit card

Fifth Third Bank has now TWICE allowed their employees to go into my account and change my address. They were NOT authorized to do so. Both times they removed my unit number from my address. This caused my initial credit card to be sent who knows where. After a lengthy phone call including an escalation, we were able to resolve this. I was told that AFTER they had already approved me, a manual verifier went into my application and updated my address likely via copy/paste, and forgot my unit number. I thought this would be the last issue. 

This second time happened XX/XX/2023 XXXX XXXX. I was able to find out from their representative that one of their branch employees went into my account to make this change. They deleted my unit number from my account yet again. I went in and manually updated it back to normal. The customer service representative was unable to state which branch did this and instead advised I go to " the nearest branch '' to resolve this violation of my account via unauthorized use. This is my 2nd complaint against Fifth Third Bank, which is displaying gross negligence in privacy practices. How are unauthorized employees allowed to go into peoples accounts? Does 53 allow them to borrow money too? It's unacceptable.

Furthermore, this unauthorized security breach which is clearly the norm, can cause consumers to miss payments as we need a bill to know when to pay. Are you purposely doing this to collect late fees?
Product: Debt collection

I have disputed this account with this company on different occasions, I even disputed the account with the credit bureaus in XXXX and again in XXXX. This account is not an account that is my account or is it a valid account that they have put into collections. They are falsely reporting this on my credit reports and it is affecting my chances of getting a home.
Product: Credit card or prepaid card

Summary : Chase bank refuses to look into a disputed transaction ( simply indicating the transaction is valid ), even as I submit to them the evidence that they ask for. Evidence indicate that I never received the service. Chase claims that the claim has been timed out and they will not look into it. 

Extended summary : I disputed a transaction, that was made on my Chase credit card. Chase denied my dispute. I called Chase. Chase asked me to send evidence. I sent evidence immediately. Chase then sent me a letter saying that the disputed transaction was valid. I called them for clarification, they indicated that the case had been timed out so the evidence was not even considered. Chase then asks me to send a letter to request them to re-open the case. I do that immediately. Chase once again says they will not look into it since the case was timed out ( i have no idea why would the case be timed out since I sent them evidence indicating that the merchant never provided me with the purchased service immediately and per Chase 's request ). 


Time line : XXXX : on Chase 's portal, i disputed a transaction that was made to my account, by XXXX ( XXXX ). This was a for a service that XXXX ended up not providing, even as I did everything that XXXX asked me to do. I have email communication from XXXX. 

XX/XX/XXXX : Chase sends me this msg : Here 's an update on your dispute ( s ) XX/XX/XXXX : Chase sends me this msg : We consider the disputed charge ( s ) valid XX/XX/XXXX- I called Chase to ask why are the charges valid, given that I never got a product. They said to write and submit a letter to Chase and they will consider looking into it. 
XXXX XX/XX/XXXX : I resubmitted more docs, physically, in their Chase Branch. 
XX/XX/XXXX : I called Chase and confirmation was made to me that they got the documents and they will look into it but that the case is timed out and I will likely not have a result. 
XXXX XXXX, XXXX : Chase sends a note : We're researching the charge ( s ) you disputed recently XXXX XXXX, XXXX : Chase sends a note : We confirmed that the transactions you disputed are valid XXXX i called Chase to ask how did they conclude that the transactions are valid? given that I gave them evidence to the contrary. Chase, once again, asked me to reopen the case by sending a new letter. Chase said that the second time that I sent documents ( XXXX ), things were never investigated because the case had timed out. ( in other words, they received the evidence but decided not to investigate ) XX/XX/XXXX : I sent a new letter, as directed, via Chase 's upload document center. 
XX/XX/XXXX I called chase, they opened the case. But still said its timed out and likely will not look into it. 
XX/XX/XXXX : chase sends a note that they are looking into the case XX/XX/XXXX : chase indicates that they disputed transaction is valid and they will no longer look into it.
Product: Credit card or prepaid card

On XX/XX/2022 XXXX charged my card XXXX, when they were only suppose to charge XXXX. On XX/XX/2022 capitol credit my XXXX, however, there was No available credit, and it just basically keep my account from becoming negative. ( I didn't spend any of the credit that was applied to my account. ) XXXX XXXX told me to call the XXXX to fast track the process. Which I did and XXXX refunded me XXXX and I also made a payment for XXXX. This left me with an available balance XXXX and I got a cash advance for XXXX and made ah couple purchases adding up to XXXX. If I wasn't able to spend the credit on XX/XX/XXXX, why would they charge me on XX/XX/XXXX the XXXX and XXXX had already been paid XX/XX/2022.
Product: Mortgage

I had a house fire back in XXXX. I am with Mid America mortgage company based in Texas. I hired a contractor to do the repairs and so far he has only received one payment out of three requested from this Mortgage Company. My insurance company has paid out to this Mortgage Company all the funds for the repairs. But my contractor has been trying since XXXX to get a second and now a third draw for this money that is owed him. Now, since this mortgage company has not paid, my contractor has stopped working on my house. it has been 3 weeks with nothing further getting done. Last inspection put us at 95 % complete, but he can not finish because this bank will not pay him. Now my insurance company is saying that they no longer can keep me in my rental house past XXXX because ample enough time has been provided for repairs and the bank delaying payment is not a good enough excuse to continue rental lodging. So now we are going to have to find another place to live at our own expense because Mid America mortgage hasnt paid my {$65000.00} contractor in months. This is a really poor bank process and I do not know why they are delaying funds to my contractor. I don't know how else to complain about this to make them pay any help would be appreciated thank you
Product: Debt collection

I dropped the class and the XXXX XXXX college is saying I did n't drop the class and is charging me for the class.
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice was sent several times to XXXX, XXXX, Equifax. I humbly requested XXXX, XXXX, Equifax to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, XXXX, Equifax to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand XXXX, XXXX, Equifax are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, XXXX, Equifax are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, XXXX, Equifax must comply with my written instructions. I have given XXXX, XXXX, Equifax written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

XXXX, XXXX, Equifax has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX XXXXXXXX XXXX  XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX  / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX XXXX XXXX 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 had a XXXX XXXX credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. XXXX issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a XXXX representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore XXXX said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the XXXX account back to my credit file. 

I called an XXXX XXXX at TransUnion ( XXXX ) and he confirmed TransUnion had indeed removed the XXXX account from my file but that he could not reverse that action without a request from XXXX. 

I called XXXX at XXXX ( XXXX Ext XXXX ) and asked her to request of TransUnion that the file be unblocked and to reinstate the XXXX account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

TransUnion advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with XXXX as I would lose some XXXX points for air miles with XXXX 's XXXX XXXX. Additionally, although I still owe some money to XXXX on the old account ( not due until XX/XX/XXXX ) XXXX refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me XXXX can not communicate with me by mail any more. I have not yet received anything at all from XXXX in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.
Product: Debt collection

Somebody used my information to rent an apartment without my knowledge or permission. 
This company claims I owe {$1700.00} to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for failing to resolve inaccuracies on my credit report. Despite multiple attempts to request a re-investigation, the incorrect information remains on my credit report. The previous complaint was closed, yet no action was taken to correct the discrepancies. 

I believe these credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i They failed to properly reinvestigate the disputed information, leaving inaccurate details on my report.

FCRA Section 1681e ( b ) The agencies have not ensured the maximum possible accuracy of the information reported, as the inaccuracies still persist.

FCRA Section 1681i ( a ) ( 1 ) ( A ) No appropriate investigation or resolution was conducted after my dispute, violating my rights under the FCRA. 

These failures have resulted in inaccurate reporting, and I request that the CFPB investigate the matter and take corrective action to ensure the credit bureaus comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Money transfer, virtual currency, or money service

Zelle did not explain that once money was sent it could not be transferred back if a mistake was made.
Product: Mortgage

In XX/XX/XXXX I contacted Everbank, the servicer of my mortgage, requesting a modification of its terms in an effort to avoid default. My monthly mortgage payments had recently escalated 24 % when the loan converted from interest-only to a conventional ARM -- an increase that was unanticipated ( as interest rates had actually fallen substantially since the mortgage was originated ) and unsustainable given my financial position. Frustrating conversations with Everbank, the loan 's servicer, eventually yielded a response : my mortgage had been packaged and sold and could not be modified. I subsequently attempted to contact the loan 's " master servicer, '' XXXX Bank, via their Securities Administrative Services Department, in an effort to identify a staff member with whom I could discuss my circumstances. This task proved impossible. I then made a fruitless effort to reach the " trustee '' for the loan, XXXX, which, in turn, represents the actual owner of the note : XXXX. Asset Backed Pass-Through. 

As to my personal circumstances : in XX/XX/XXXX, the recession having taken its toll, I closed my business and am now in the early stages of a new venture. My resources are finite but, with the cooperation of Everbank, XXXX, et al I could make reduced payments, avoid a personal credit crisis, and render foreclosure unnecessary. I have listed the mortgaged property for sale in order to fund a loan pay off -- but the market remains soft in my area and at my price point. 

It is my full intention to satisfy my mortgage obligation. I simply need to reduce the monthly payments until the property is sold or my new business begins to generate revenue. My difficulty is that I can not locate anyone at XXXX, or any of the other entities involved, to initiate a negotiation for the modification of this mortgage. My complaint is that the financial services companies involved with my mortgage are inaccessible and unresponsive.
Product: Vehicle loan or lease

I got a loan of {$6500.00} with higher interest of 33 % with turner acceptance corporation in XXXX Illinois on XX/XX/2018 with a payment of {$260.00} with an annual finance charge of {$4500.00} It was my first loan to get a car and my time to come to USA .I don't know how it working and I was looking for building my credit score so I accepted and signed all documents now am realizing that the try to make me paying double.after interest the charge me monthly payment fees which is added on every payment am making each month.after calculated everything for {$6500.00} loan am paying more than {$5000.00} more..which means each month I'm paying the loans plus interest plus an financial charge.i said no am gon na pay the loan with interest but not annual financial charge am supposed to pay my loan with interest like we set it on my schedule. 
It's when I got another loans from another company am realizing that the try to steal me.
Product: Consumer Loan

I received a plastic credit card from XXXX not long my bankruptcy had been granted. I called them wanting to know how long was the card good for and how much it was for. The person I talked to took it upon himself to do all of those inquiries.I did not give him permission nor asked about buying a car, ( I just got my drivers license back in XXXX of last year ) .i lost my license almost 20 years ago, why would I attempted to buy an auto if I could n't drive it? After joining XXXX I received several notices about the inquiries and after investigating I found out that the salesman at XXXX had been making all of these inquiries. I immediately called him and asked him what the XXXX was he doing, I did n't want a car I called asking questions and he knew that. As you can tell by the dates of the inquiries they were made on the same day.If you need proof of my license situation I can send you proof. I feel that these inquiries should be removed from my reports because I did not request them nor was I trying to buy anything.