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

I am writing to file a formal complaint regarding a disputed charge on my credit report. In XX/XX/XXXX, I was charged an exorbitant amount of {$3600.00} for a vacuum cleaner, which I promptly disputed. Despite my efforts to rectify the situation, the dispute was closed by Bay Finance, and the charge remained on my credit report as a charge-off. Bay finance reported I made a payment in XXXX, that is incorrect. 

Since then, I have observed a concerning pattern : every XXXX months, the charge is temporarily removed from my credit report, only to be reapplied as a charge-off with an increased amount. This recurring cycle has severely impacted my XXXX XXXX and financial stability. 

As a XXXX XXXX, I am deeply troubled by the unethical practices of Bay Finance. Despite numerous attempts to reach out and resolve this issue, I have been met with disrespect and evasion, including being hung up on during phone calls. 

Furthermore, the current claimed balance of {$4200.00} is unjustified and only exacerbates the financial strain caused by this situation. I implore you to intervene and ensure that Bay Finance ceases these predatory practices and removes all erroneous charges from my XXXX XXXX immediately. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Chase Bank sent an invitation to apply. I acted in reliance on their promise for a rewards program. I opened my account instantaneously, but could never use the card. Every time I call, they say my account is " under review ''. There is an rewards offer of needing to spend {$4000.00} in 3 months. It's been over XXXX month, still no news. I contacted them again, they locked my account instantaneous on the grounds that my number does not match public records. I checked XXXX immediately, and it is the same number I gave them. So, they either denied me of service on discriminatory basis, OR they obtained " public records '' via illegal means.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bank XX/XX/XXXX late payments & I called XXXX XXXX, they closed the account. I want the closed account deleted and the inquiry. Same thing with the fXXXX XXXX  ( opend XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I refinanced two of my five loans with XXXX XXXX through XXXX. Due to having made on time payments to these XXXX XXXX loans while throughout the refinancing process, the amount due was less than the amount borrowed through XXXX, resulting in overpayment of the two XXXX XXXX loans ( {$260.00} & {$380.00} ) at the time of refinancing. This resulted in a credit to the XXXX XXXX loans, leaving me in positive balance. On XX/XX/XXXX I called XXXX XXXX to request the positive balances of these two loans be applied to a loan still in negative balance. The customer service representative I spoke to replied that they could accomplish this, and I ended the call thinking that it would be handled. 

7 days later, the request still had not been completed. The positive balance had disappeared from the two loans and had not been credited to the existing loan. The transaction record for my loans showed a Credit Balance Refund for the {$260.00} & {$380.00}, but the money has not been refunded to my bank account, nor credited to any of my existing loans. Once more I called to request the credit be applied. The customer service representative stated flippantly that this was " their busy period '' and " the back office '' would need to handle this request. She stated that she would put in another request. Neither of these things were mentioned in my first call. It has now been one month since my loans were in positive balance and 16 days since I called to get the balance redistributed with no result other than the disappearance of my credits. 

As a customer of XXXX XXXX, I would prefer my requests be handled in a timely and polite manner. Neither of these elements has ever been a part of my dealings with this company. I am extremely dissatisfied with their service and actions as a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite writing two letters to XXXX XXXX to correct my payment history across my three credit cards, they continue to report no payments for XXXX and XXXX 2015 on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.
Product: Credit reporting or other personal consumer reports

FCRA viloations Not mine not my credit cards XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family not my inquiries XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it seems that the fraudulent items have not yet been removed. 

As I have emphasized before, the presence of these fraudulent entries on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and restore the accuracy and integrity of my credit report. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$660.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX.
Product: Mortgage

I bought my first house in Florida after graduating from college and securing a job. I settled down and had a family. Then, my job relocated me out of state. The housing market crashed. I had a high interest rate XXXX % and was severely 'under water ' and I could not refinance. I submitted several hardship requests to the bank asking for help with little help. I held on for the property for over 5 years and consecutively lost money every month. 
My husband lost his job and my son had health problems. I could no longer afford to lose money on a XXXX residence that I finally put the house up for sale. I bought the house for $ XXXX and sadly could only sell the property for $ XXXX. 
Before finalizing the short sale, I worked with BBVA Compass where I would pay $ XXXX of the short sale. I never received a bill or statement so I sent in a check to the normal address for mortgage billing. My check was returned with the response of 'account has been closed '. I called in several times to only get a voicemail and my calls were never returned. 
A few months later a debt collection company reached out to me with a XXXX bill. I did n't have that much money. We negotiated a {$2.00} settlement to cover the whole outstanding balance with Compass Bank. The next month I was served with court papers. I immediately hired a lawyer. I was never notified of my court date and now I had a judgment of the full balance ~ $ XXXX. 
I tried working with Compass Bank continuously since the judgment date ( XX/XX/XXXX ). Their legal team was not aware of the $ XXXX settlement paperwork. I 'm trying to get them to work with me and they refuse and want to play games. For example, they offered me a settlement option at $ XXXX XXXX 2015. I tried to accept the offer later in the year ( after securing enough $ $ ) and now they wo n't accept that offer. They continue to garnish my bank accounts and cause emotional distress to family. Their greed and business practices are disappointing and unethical. I want to terminate my relationship with this company and move forward but they will not make any counter offers or strive to make an attempt to resolve this issue. 
I 've tried requesting help from governmental agencies with no luck. There are a lot of programs available but because the loan was not underwritten by XXXX XXXX or XXXX I have n't qualified. Please help!! 
Respectfully, CBK
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX XXXX XXXX XXXXocated at XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX reported an unauthorized and unrecognized inquiry to my consumer report, I did not give them permission to do so, I have filed a fraud report with the FTC for this fraudulent inquiry this must immediately be removed from my consumer report per FCRA law to be within compliance.
Product: Debt collection

I'm experiencing issues with both Speedy Cash and XXXX XXXX XXXX, the collection agency that acquired the debt. Through my investigation, I discovered a loan opened in my name with Speedy Cash in XXXX, which was never repaid. In XX/XX/XXXX, I received a credit notification about this debt, impacting my score significantly. Upon further research, I found that this debt from XXXX was sent to collections in XXXX, violating Maryland 's three-year limit for lenders to sue for a debt. The delay in selling the debt and reporting it has reset the XXXX term on my credit report. Moreover, Speedy Cash wasn't licensed to lend in Maryland in XXXX. I've requested documents from the collection agency but haven't received any feedback yet.
Product: Checking or savings account

Wells Fargo took {$290.00} deposit and are saying they didnt get it when XXXX XXXX has sent me and then all the information showing they got it, I was using the money Friday and Saturday when I got up the account was overdrawn. They still havent given me the money, now my account is overdrawn. They also closed my savings account when I had claims open, they owe me over {$1000.00}. They wont give me my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JP Morgan Chase Credit Card reported my account balance as 30 days late with the due date of XX/XX/2020. The information was incorrectly reported on my credit report in which my balance of {$140.00} is not due until the XXXX of each month and was submitted and posted to the account on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has two bankruptcy accounts that are being reported on my consumer report, XXXX & XXXX. I have spoken with a clerk from offices of the bankruptcy court via e-mail and she confirmed that the bankruptcy courts does not provide information to any consumer reporting agency. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise their grave responsibility to respect my right to privacy. The reporting of this information has ruined my representation in commerce and has made it difficult to purchase a home. I have the e-mail attached for proof of injury. Experian will be held civilly liable for willful and negligent noncompliance for any failure to comply with this deletion demand
Product: Vehicle loan or lease

In XX/XX/year>, my vehicle was involved in an accident and declared a total loss by my insurance provider, XXXX XXXXXXXX XXXX XXXX XXXX insurance ). The insurance company settled the claim in full. However, Kia Finance America continues to report a charge-off of {$10000.00} on my credit report. 

I disputed this issue with XXXX, XXXX, and XXXX, yet Kia Finance refuses to update the account status or remove the incorrect balance. 

I also contacted Kia Finance directly and requested proof of the outstanding balance and a justification for why the charge-off remains. I have received no response from them. 

This inaccurate reporting is negatively impacting my credit score, and Kia Finance is in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting an immediate investigation and full deletion of this incorrect charge-off from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX  XXXX Date opened XX/XX/2020 XXXX : {$3800.00}
Product: Credit reporting

Please be advised that XXXX of the negative accounts listed with all of the credit reporting companies does not belong to me. I am requesting to remove the incorrect negative account from all XXXX credit reporting companies. Thank you. 
Creditor Name : XXXX
Product: Debt collection

I received notification on my credit report of a debt from XXXX for XXXX  cellphone service they continued to try to collect for that was relayed a lingtime ago it was paid at the time. It is XXXX and this company placed it back on my credit report with no bill or any XXXX formation. It is over XXXX yrs  old.
Product: Debt collection

XXXX XXXX XXXX XXXX place 2 incorrect accounts on my credit report. I requsted supporting doc from them. They only sent past due bills stating that its my account Im not aware of account so I asked for additinal info which they did not send. I asked for signed contract which they did not send. I asked to remove from my credit file an they refused.
Product: Credit card

Capital One Bank closed my deposit credit card on XX/XX/2023 and there is XXXX balance due everything is cleared. Just 2 months ago they suddenly fraudulently sent information to the XXXX credit bureau claiming I owed them {$150.00} which I do NOT even have any Capital One card in hand. I tried to reach out to them several times and customer service told me they did not what was going on about this fraudulent scam and they did NOT care. Please help me to this fraudulent scam report which affects my whole XXXX XXXX and life!
Product: Checking or savings account

Us bank can not tell me account no. Said purged a count. XXXX calling 5 weeks several times a day. They refuse to do research. Supposed to keep for 7 years. XXXX said they purged account.
Product: Credit card

Billed on XX/XX/XXXX for {$79.00} from " XXXX '', a form of XXXX  insurance which was supposed to be a XXXX TIME only charge from back in XX/XX/XXXX. They charged me again in XXXX XXXX without consent. Filed a dispute with American Express, which was decided in XXXX 's favor. Wrote directly to XXXX twice complaining about this, only to receive " canned '' emails back stating it will take them XXXX to do anything. Not acceptable.
Product: Mortgage

On XX/XX/2022, I received an email from BancorpSouth Mortgage while on vacation, asking me to contact them. Upon my return, I called ( XXXX ) XXXX on XX/XX/2022 and spoke to a mortgage XXXX She stated my XXXX XXXX payment had not been received by XXXX XXXX, so late charges applied. She stated mail is very bad now ( the truth ) and with my payment history, I would probably be waived the penalty. After we spoke, I researched the BancorpSouth Mortgage website and XXXX Bank XXXX XXXX account. Both sites showed a payment of {$2800.00} sent and received on XXXX XX/XX/2022. I also verified payment is done electronically, which is immediate- no mail. So, at XXXX pm XXXX that same day, I sent an email to the original sender, with screen shots showing they had received the money XXXX XXXX, in addition to the proof of receipt and application for payments on XX/XX/2022 and XX/XX/2022. I also included a screenshot of my XXXX account showing electronic payment on XX/XX/2022. I am retired now but when I worked, I was told at XXXX different companies to respond to emails within XXXX hours. After receiving no response as of XXXX PM XX/XX/2022, I called the XXXX XXXXrom the email. After I identified myself, she put me on hold for about XXXX minutes, then stated she would transfer me to a supervisor. After XXXX or XXXX rings ( supervisor did not pick up ), the system moved me to general XXXX. As of XXXX AM XX/XX/2022, still no email nor other response from BancorpSouth XXXX Cadence Bank ).
Product: Mortgage

XXXX XXXX, 2017 CFPB : Today I tried to initiate the XXXX Mortgage Prequalifying Process. JPMChase Website said " Welcome to Chase Home Lending ''. The Software put me into a loop, where, five ( 5 ) times, I entered the same information without progressing. I have been a JPMChase Customer for over forty ( 40 ) years. That the Software trapped me in a loop shows utmost Disrespect for me as a Long-Time  Customer. I demand that JPMChase prequalify me for a Mortgage Loan of not less than {$300000.00} USD. <P/>Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX  account. {$2.00}, XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} writte FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Debt collection

Received a notice from XXXX on XX/XX/year> about a debt from a collection agency. I have never received any notice of this debt from the agency nor the original company. No communication via phone, email, nor mail was ever received by me regarding this. Only basic information from XXXX is available as follows : SOUTHWEST CREDIT SYSTEMS Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX account starts with XXXX for the amount of {$3500.00}. 
I attempted to call Southwest credit systems, but my call was never answered. No option to leave a message was given.