23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I've been having an issue with aqua finance, I repeatedly received, harassing derogatory called, at with I've started if I don't answer leave a message I will get back to you at my earliest convenience, plus I've been trying to get a manager on the phone for.about 5 hours, to only wait for 45 minutes and get hung up on every single time, this is also a loan shark company the deceives people in need to 20 to 30 percent intrest on loan, that I wasn't aware of at point of signing for the loan, I was overcharged and plunged into debt by this company and all they can do is hang up on me when I call
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went online to place a credit freeze with Experian on XXXX XXXX and they said it was free. That is all I wanted to do. Then they enrolled me in a monthly membership without my knowledge at {$22.00} per month and never sent me any credit reports. I called them to cancel and wanted a refund on XX/XX/2020 and they cancelled it and refunded only one month. I never wanted this and feel they take advantage of us senior citizens. I never got anything free that they advertised on their web site except for the freeze on the account. 

Tired of companies taking advantage of seniors.
Product: Student loan

Navient has added and removed my student loan from my credit report. It reports negative XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This caused my scored to drop almost XXXX points. Now it shows improved account went from derogatory to current XXXX. There has been no change in status if this account. It was in forbearance due to me having XXXX. The agency does not consistently report the account. The information is incorrect and they are not fairly reporting it. As my score increases or when an inquiry comes in they seem to report it as derogatory but then make an adjustment showing its current without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Product: Credit card

On XX/XX/year> my Wells Fargo credit card account was compromised. {$1000.00} in credit cash advances were taken from my card and XXXX checking accounts were fraudulently opened in my name and the cash advances were subsequently transferred and withdrawn, via ATM, within XXXX hours of opening the fraudulent accounts. XXXX complaints were made on all XXXX accounts on the very same day. XXXX days later after speaking to several employees, most who had no clue what they were, and XXXX which hung upon on me, I have a total of {$1000.00} balance that should reflect as {$0.00} and XXXX information as to when my account will be made good.
Product: Debt collection

I had a one year subscription to XXXX 's XXXX which was paid in full ; at the end of the subscription I chose not to renew. However, ONE YEAR LATER I received a demand from a collection agency ( North Shore Agency, XXXX XXXX XXXX, XXXX XXXX NY XXXX, # XXXX ) for a year I did not subscribe to or receive. I tried to contact them on XX/XX/2020 but it was impossible to speak to a person. 

I then contacted XXXX 's XXXX and spoke with 'XXXX  ' on XX/XX/2020 who stated that my account was closed and paid in full. Furthermore she stated that XXXX 's DOES NOT submit information to collection agencies, so this demand is blatantly fraudulent.
Product: Credit reporting or other personal consumer reports

My account with US DEPT OF EDXXXX 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 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. 

US DEPT OF EDXXXX 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: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were 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 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. ( CREDITOR NAME ) 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: Credit reporting or other personal consumer reports

I am disputing inaccurate and unauthorized inquiries on my credit report with Experian. I previously sent a formal dispute letter via certified mail on XX/XX/XXXX, requesting that Experian investigate and remove these inquiries as they were not authorized by me and lack permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Despite my request, Experian has failed to properly investigate or remove these unauthorized inquiries, violating my rights under the FCRA. I have attached my dispute letter and supporting documents as evidence of my attempt to resolve this issue directly with the credit bureau. 

I am requesting the CFPB to intervene and ensure that Experian complies with federal regulations by : ( Removing any unauthorized or unverified inquiries from my credit report. ) This issue is negatively impacting my credit profile, and Experians failure to act appropriately has caused undue harm. I request the CFPBs assistance in enforcing my rights and holding Experian accountable for its reporting obligations.
Product: Credit card or prepaid card

I spoke with Discover card customer service about fraudulent unauthorized charges on my account from XXXX XXXX  dating back to the last couple years. 

We opened an investigation on XX/XX/2018 and received a letter on XX/XX/2018 saying the investigation was completed and charges were being refunded back to my account. 

On XX/XX/2018 I requested a credit balance check sent to me for the credit on the account. 

Nothing was sent. 

On XX/XX/2018 I called customer service and once again requested the credit on my account be sent via check. The customer service dept promised it would be sent within 14 days. 

Today is XXXX XXXX and still have no received a check and the balance is still sitting there in my account. I just called customer service and they dont have a time frame until sercurity checks are over ... 

It has been 29 days since the investigation was completed in my favor and over 25 days since I requested a credit balance refund check that has not been completed.
Product: Debt collection

I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every  payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters. I have already filed a complaint on Portfolio Recovery Associates, LLC with CFPB .The complaint number is XXXX which Portfolio Recovery Associates XXXX LLC resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in XXXX
Product: Checking or savings account

On the morning of XX/XX/XXXX I woke up to a negative balance in bank from a charge from XXXX for XXXX. I checked my email and noticed an attemt at a second charge for XXXX, which was blocked. I immediately called my bank to dispute the charge for XXXX. I closed the card and filed a claim with Chase Banks fraud department. On XX/XX/XXXX I recieved a letter in my bank notifying me that they were denying my claim and would be reversing the money out of my account. I called Chase claims again and requested whatever they had so I could see for myself what happened. They sent me reservation details from booking.com. Someone created an email account from XXXX in my name and booked a XXXX night stay for XXXX people at the Hotel at the XXXX XXXX XXXX by XXXX in XXXX, NY. On XXXX XXXX I walked into my Chase Branch and spoke with a Banker who tried to help by calling Chase claims and speaking to a woman who basically told me that I need to contact Booking.com and figure it out. So I went home and have been getting a run- around with XXXX. I've been waiting about a week, at this point, to hear back. I've sent emails to Booking.com and made multiple phone calls. I still have not heard back from them. I also called the hotel to let them know what I'm dealing with to see if they could help. I was just notified by Chase Bank this morning ( XXXX ) that there is nothing Chase will do to help me because they think I made this transaction. I DID NOT AUTHORIZE THAT TRANSACTION. I don't know what else to do, other than take my banking elsewhere ( which is what I plan to do ) I just want this righted. Someone stole from me and my family and noone is helping me. I feel like they're allowing it. Please help. I even sent Chase a copy of my phone number from tmobile since the numbers from XXXX did not completely match my phone number. Please help. If there is anything else I can do or provide I am fully willing to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX
Product: Credit card or prepaid card

I closed this account and was told everything was resolved on XX/XX/2021. I was told that I wouldn't receive a bill. This is now reporting to the credit bureau that this account is delinquent. This account should have never reported to the burearus because this account was never opened. I submitted the deposit and they never sent the card. Then I finally got approved almost a month later. By that time I had called the bank to report it as fraud. I received the card and I was told that the card couldn't be used because there was no money on the card. I told them to make sure to close it and I was told that it would be closed.
Product: Credit reporting or other personal consumer reports

Heres a suggested response to submit on the CFPB portal regarding TransUnions handling of your dispute : Subject : TransUnions Failure to Properly Investigate and Address Disputed Charge-Off Complaint : I am filing this complaint against TransUnion for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) regarding the removal of a fraudulent charge-off from my credit report. Despite providing all necessary documentation and following the proper process, TransUnion failed to investigate the dispute thoroughly and instead forwarded the matter to the creditor without reviewing the evidence I submitted. 

Key issues include : XXXX. Inconsistent and Misleading Communication : Each representative and supervisor I spoke to provided conflicting information about the status of my dispute and the required documentation. 
XXXX. Failure to Investigate : TransUnion failed to properly investigate the fraudulent charge-off and instead passed responsibility to the creditor. 
XXXX. Violation of Consumer Rights : As a credit bureau, TransUnion is required to conduct its own investigation and ensure accurate reporting, which they failed to do. 

The documentation I provided included all requested evidence, yet TransUnion claimed the documents were incomplete. They then sent a generic affidavit, despite my compliance with prior instructions. This demonstrates a lack of diligence and disregard for their legal responsibility to protect consumers. 

I am requesting the CFPB to intervene and hold TransUnion accountable for failing to fulfill its obligations under the FCRA, and for its negligence in resolving this matter. I also demand the immediate removal of the fraudulent charge-off from my credit report. 
Fraudulent paycheck stubs attached were used to open this loan without my consent or knowledge with income that does not belong to me making this loan and charge off account voided and unforceable Feel free to modify or expand this based on additional details or specific requests youd like to include.
Product: Mortgage

LOANCARE LLC HAS MY CREDIT REPORT REPORTING INCORRECTLY. IN THE MIDST OF LOAN MODIFICATION THEY KEPT REPORTING LATES AND THIS IS NOT CORRECT. THIS HAS BEEN ADDRESSED SEVERAL TIMES AND WILLING TO SUE THEM FOR THESE ERRORS. I HAVE SERVED THIS COUNTRY AND THEY DON'T SERVE ME CORRECTLY. I AM SHOCKED WHEN I PULLED MY CREDIT AFTER GETTING DENIED THAT THIS WAS SHOWING THE WAY IT IS.
Product: Mortgage

During the subprime mortgage crisis, my mortgage was packaged and sold to JPMorgan Chase. When the federal government forced banks to offer borrowers the opportunity to refinance their variable-interest loans to fixed-rate loans, I submitted my application and supporting documents three times. Each time, Chase 's processing center denied receiving my package. 

When I sent the package using XXXX  with a signature and delivery confirmation, I was told that for security reasons, the processing center does not directly accept packages. When I told them that a representative of theirs had signed the application and documents, I was told that it was not an employee of the bank, but a contractor hired to collect mail from the address provided. 

The entire process was a sham. In the end, Chase never acknowledged receiving my application and supporting documents. 

Adding insult to injury, a member of my staff who also had a Chase Bank mortgage was sent a letter informing her and her husband that they qualified for a reduced fixed rate due to their on-time payment record over the past three years. I found this to be both suspicious and insulting because my wife and I had paid our mortgage on time for over six years, never missing a payment, and with an XXXX credit score.

Looking back on the entire experience, I now know that my wife and I were victims of predatory lending. We should never have been pursued to take a variable-rate mortgage when we both earned over {$180000.00} as a couple and I was eligible for a VA loan XXXX a XXXX XXXX and our home mortgage was under {$210000.00}, when at the time we qualified for a XXXX mortgage. 

The entire variable-rate mortgage debacle was aimed at XXXX XXXX  and other XXXX XXXX XXXX. The dramatic XXXX bias of subprime lending has been proven over and over again. However, I feel that the federal bodies governing these entities did very little to address the concern and are doing less not to prevent them from happening again.
Product: Checking or savings account

I have a debit visa card / checking account with Schwab- I was on vacation in XXXX XXXX XXXXXXXX XXXX 2 months ago and I believe that a merchant " skimmed '' my card for 2 transactions for a total of usd {$2700.00} on XX/XX/2023 - I reported it to Schwab / VISA and was given a provisional credit while the investigation was on. Now 2 months later I got a letter from Schwab / Visa that says they denied my credit and are taking it back. I have no idea whom took my money and how do I get it back? 

Since I originally got the money from Schwab I did not ask questions. It also happened in XXXXXXXX XXXX XXXX XXXXXXXX And i had the card with me besides when I gave it to the waiter to pay more my diner. I believe that a business 'skimmed or cloned ' my card ( - Im not sure but its my best guess } my card never left my possession. All I know is that someone stole {$2700.00} from my Schwab checking acct. all I know is that XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX money and I am clueless who this is or how I can not be covered my visa? I got nothing - Schwab canceled the card right after I called them and sent me another card how ever they are now taking the {$2700.00} Back in 5 days Please see attached letter and bank statement
Product: Debt collection

I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX