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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiries in Dispute : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX and transunion are reporting a credit card account named XXXX XXXX. This account was opened fraudulently In my name I have disputed it and they have failed to proceed with a proper investigation
Product: Mortgage

We are using JP Morgan Chase as our lenders for a home mortgage loan. We have received nothing, but frustration, disappointment and anxiety from Chase team. Despite giving them the required documents and a projected closing date 6 months in advance, Chase has been unsuccessful in processing my file for closing on time. At this stage, we have no indication or tentative timelines as to when we would close. In anticipation of closing, we provided notice to end our lease agreement at our current rental apartment. This means that we are now without a roof over our heads. Where do I take my family? Chase has not given any attention to the vulnerable situation I have been put into, nor have they cared enough to return my phone calls. The XXXX XXXX manager claims that he will " look after us '' and I keep wondering how he would when he ca n't even return my calls. We have escalated our concerns within Chase as best as possible, without any success. The team informs us that they have transferred our file to an expedited status. It has been over a week now. If the expedited process takes this long, I wonder how long would the normal process take. Why should I give my business to Chase mortgage department when they have been nothing short of a reason for stress and anxiety to me and my family. I have no words to describe my disappointment and frustration with Chase over the past 8 months.
Product: Checking or savings account

XX/XX/ my debit card was stolen by a family member. {$1000.00} was took off of my card at a chase atm machine at XXXX XXXX XXXX XXXX XXXX, OH XXXX. I filed a claim XXXX as soon as I noticed money and card was missing. I was suppose to receive a temporary credit while they did their investigation I never got that. They denied my claim I appealed it they reopened the claim denied it aint again reason was I failed to protect bank pin.
Product: Payday loan, title loan, or personal loan

I have not applied for or requested any assistance from this company. I have contacted them at least three different times not to send me fake plastic cards and loan information. They are still sending me information. 

The company is One Main Financial Phone number : XXXX Phone number : XXXX Branch Manager : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX
Product: Credit reporting or other personal consumer reports

I have an address that does not belong to me on my credit report. The following address does not belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want that address deleted from my account because it does not belong to me and any accounts attached to that address please.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 {$990.00} was sent to an unauthorized user named XXXX XXXX. I was hacked and my money was stolen. My aunt sent me {$25.00} and instead of it being deposited to my bank it would go towards paying for the negative balance I have over an unauthorized transaction. I filed a police report at the XXXX XXXX and have the case # but hasnt begun because cashapp told me to in order to begin an investigation and havent heard of it for over 3 months now. This fraud happened in XXXX of 2022 and we are now in XX/XX/2022. My legal name was changed to XXXX XXXX and Im unable to speak to Cash-app representatives over the phone for security purposes. Reached out several times to cash-app support chat and still havent received a response. This ongoing investigation was supposed to be resolved by now and havent received a resolution. My privacy rights have been violated and my identity has been misused or mistolen by a different name that is not me!
Product: Consumer Loan

I am so furious at this customer service department. Its in XXXX, AZ. And they have givrn me nithing but promises and bam! Last XXXX at XXXX my csr is beingloaded up on a tow truck. Drive Time had repossessed it! After making arrangements to defer my payments to the end of the loan after faxing doctors excuse from work by my XXXX. 
I called the customer service number and they have no record of my request. NOTHING!! 
Not a phone call or log of any sort of my request on XX/XX/2015.. 
Only call they have have record of is making an arrangement for that friday XX/XX/2015 that was called in on Monday XX/XX/2015Well thats Hog Wash I have on my phone records numer calls made to them especially on the XX/XX/XXXX. And darn sure gave new phone number to update my accout. 
Now forsr they said they dont do loan deferments on new loans then it was well itstoo late bc the vehicle has already been picked up. Well imagine that. 
The number the lady respresentative gave me for a fax number that I faxed my doctors papers toisnt even a Drive Time number. Ithink its to the XXXX in XXXX. IDkBut they wont do a thing .help pleaseI have XXXX kids im a single parent we just left their father bc of XXXX have had XXXX XXXX counting XXXX tomorrow on my XXXX. Tomorrow they are schuduling a XXXX bc it wont heal. They will have to XXXX. Its been that serious. Unfortunately all this cameabout well actually has gotten worse ince my purchase and I have been off work bc of it. I need my car.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 an account without my written instructions.
Product: Debt collection

Hi, thank you for accepting my complaint and for what you do. XXXX kept sending me billing notices for a mysterious order/item ( s ) and they refused to give me statements or the bill for them. I made requests in email and I have their emailed responses. They even told me that they can't find an account for me ( see their email ). They eventually put it on my credit report for {$110.00} and I disputed it and showed the evidence that it wasn't my bill and the entry was removed. Years later, they gave the debt to JEFFERSON CAPITAL SY who refuses to remove it from my credit report. I hadn't ordered anything from XXXX and they never showed me a bill or receipts. It isn't my debt. Please investigate and correct this. 

Please tell me how to submit the emails between me and XXXX  thank you
Product: Credit card

My husband and I have the XXXX XXXX credit card through Capital One that is advertised as best for travelers, where you can get low rates for travel, and discounts on travel purchases. On the phone, their rep said these exact words when you book flights through them better rates and we have lower rates than the airlines websites. This is NOT true as we just experienced. 

I booked flights for us on XX/XX/XXXX via the Capital One travel rewards website. Using our points on one booking, the price of a flight on XXXX XXXX went from {$3200.00} to {$3100.00}. The other booking did not use points and was {$3300.00}. 

A day later, a friend was looking for the same flight but went directly to the airlines website. She found the exact same flight ( same time, same flight number, same day of week, same route, same class of service ) for {$2100.00} per person and called me. 

I feel SICK that we spent {$1000.00} more on each ticket going through Capital One Travel. I called them and they give you the runaround saying prices fluctuate, etc. etc. I could see {$100.00} difference here or there, but not {$1000.00} per ticket which is outrageous.
Product: Debt collection

I have written to LVNV ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXXXXXX XXXX, delivered by USPS confirmation # XXXX, regarding account # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

I contacted Ally financial at XXXX the beginning of XX/XX/XXXX, stating I was in the hospital for 3 almost 4 months and that I was waiting on my XXXX XXXX XXXX from work and that I also was going to get a loan from my 401k to pay my car payment to catch up what was past due. They understood and I was in constant contact with them. I called them XX/XX/XXXX stated I received a check from work and that I was going to XXXX XXXX per their request and was going to make a payment of {$2500.00} but I did not know the fee to do so was {$9.00} so I made {$2400.00} payment. I never done XXXX XXXX before so, I was very nervous about doing the payments this way. I made the payment and was given a track # XXXX and the clerk said it was sent. I called Ally Financial on XX/XX/XXXX and asked how much was left that I needed to pay on the car to be up to date on my payments. They said they sent the money that I sent XX/XX/XXXX back because it was not the correct amount and so, I needed {$4100.00} now to be up to date on my payments. They also said, that they tried contacting me when I called them stating the amount I was making was n't going to be enough. I got off the phone with them contacted XXXX XXXX at XXXX and the operator stated that Ally Financial indeed did receive the money. The operator said she would resend the money if that was the case and that she would make a note about the issue and she got clearance from her supervisor. Well, I contacted Ally back and told them what XXXX XXXX had stated and the person from Ally stated they do not have the money. I said, well XXXX XXXX said they will resend it and that you should receive the money in 24-48hrs. I also, told Ally XXXX XXXX said if they are okay taking 2 separate payments they would do 2 separate payments. Ally agreed to take separates payments. I said I am going to send the rest that you said is needed so it will get to you at the same time you get the other payment. I sent {$1600.00} through XXXX XXXX tracking # XXXX and I thought I was caught up on the payments. XXXX XXXX. I woke up to my car being gone. I thought it was stolen and I was going to call the cops but something told me car Ally first and ask if they took the car and I did and they said yes. I was upset because all my belongings are in the car. My grandson 's carseat, my work I.D., my GPS everything. I had no clue they were going to repossess my car. I did not get a letter nothing. The repo company did not knock on my door, nothing. Ally gave me a number to contact the repo company XXXX to try to get my personal belongings back. I called them and they took my name and number for a XXXX to contact me. XXXX contacted me stated I have to make a appointment to get my belongings. I made appointment ( but unfortunately have to try to find a ride ). The Repo place is an hour and half away.XXXX XXXX XXXX , XXXX Pa XXXX phone number XXXX. I contacted XXXX XXXX again and requested a refund of both transactions. I feel this was a wrongful repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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 furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The mortgage company set up an escrow account without my knowledge and without notifying me. In the mean time, I already finalized plans to make the property tax payment for 2016 but it was returned when paid. The mortgage company has added {$3100.00} to my regular monthly payment balance due. The mortgage company has removed my ability to make mortgage payments online altogether. So I am not able to bring my account current and track what is going on ( see print screen attached ). Furthermore, the mortgage company refuses to communicate with me electronically. Any question I ask is responded to with " call them '' ( paraphrase ). This is extremely inconvenient and frustrating. The only reason I can think of for doing this is because they do n't want to put anything in writing. I know from past experience the mortgage company will say when my account is current, my ability to make payments online will be restored. However, I do n't have an extra {$3100.00} sitting around to send them.
Product: Debt collection

GC Services is not correctly reporting that I am paying them in XXXX or XXXX
Product: Debt collection

The deb collector is trying to collect monies not owed. All monies owed to the City of XXXX XXXX Fire Department has been paid. I have requested the collector agency to remove my information from their system and they have refused. It appears my information was given to them in error while I was in a Low income program waiver process, appeal and under a installment payment agreement. This account has been paid in full to the City of XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> I presented myself to the Navy Federal Branch located on XXXX XXXX, at that time I opened my mail which was from the United State Treasury and signed the back of my IRS tax refund in order to deposit it into my account. The rep scan the check and then advised me that the fund would be available on tomorrow XX/XX/year>. On XX/XX/year>, I received a email from the bank stating that my funds have now been put on hold because they have reasonable cause to believe that the check is uncollectible from the paying bank ( which is the United States Treasury ) based on confidential information that indicates that the check may not be paid! Basically nicely telling me my check is fraud. I have since been getting the run around about this information. I have offered to bring them my tax transcripts as well as allowing them to access my personal information to check on the wheres my refund as well as the website to verify the funds and all has been denied. I need my money. If she told me this on yesterday I could've took the check to my other bank or even a check cashing facility. Now the holiday is approaching and the bills are here. We had a family trip planned but now I have to cancel to hold the trip money to pay bills. So unfair and the customer service sucks. No one is telling me anything. I need some assistance and understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

As I see from the XXXX, Inquiry from XX/XX/2019 by XXXX XXXX XXXX XXXX - made 6 hard enquies on the same day without my notice. I request to take action/ investigate and remove the Hard inquires from my account.

Below are the INQUIRIES made : 1. XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 2. Fifth Third Bank - XXXX XXXX ( Inquiry from XX/XX/2019 ) 3. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 4. XXXX XXXX XXXX XXXX - XXXX XXXX, New ( Inquiry from XX/XX/2019 ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 6. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a PNC Bank Rewards credit card. I called their customer service department to request a lower APR interest rate. I was told by the agent on a recorded call that my APR would be reduced 6 %, effective my next statement. 

Upon receiving my next statement there was not the promised APR reduction. I called in to PNC back asked to speak to a supervisor to lodge a complaint. I spoke to a supervisor who said they would pull the call, listen to the call and see if they could help me. 

Today I received notification from PNC bank that they were unable to offer me the 6 % APR reduction that I was promised on a recorded call. I asked for a copy of the call with the agent and was denied. 

I am filing this complaint as this is very deceptive and dishonest. I was promised a 6 % APR reduction by the PNC bank agent, and come to find out this will not be the case .... 

Please help me with this matter, Very truly yours, XXXX XXXX
Product: Debt collection

XX/XX/2020 simm associates they called me and threaten me over an alleged debt collection case against me and threaten me to legal action and constantly calling me and harassing me and refuse to let me speak to a supervisor about the complaint