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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit card

I was solicited by email, US mail, and via my online account for a promotional offer in which I would pay a fee in exchange for a 1.99 % interest rate until XXXX and/or 0.00 % interest until XXXX. This offer was presented in very large font, sent to me frequently, and sent via several methods. I had previously taken advantage of promotional offers of Chase and had decent experiences with same. 
However, as my statements reveal, Chase failed to fulfill its obligations to me. 
OFFER : Chase presented an offer [ 1.99 % /0.00 % interest until XXXX in exchange for a percentage of a particular amount of funds requested. 
ACCEPTANCE : I accepted Chase 's offer within the time prescribed in Chase 's offer, in amount permissible pursuant to my credit limit, and paid the applicable fees pursuant to the offer. 
BREACH : Chase failed to uphold its promise made in the offer ; Chase has improperly apply my payments to my account, whereby it breached the contract it provided. 
DAMAGES : Due to the breach of Chase, I incurred the following : {$460.00} [ fees paid in good faith acceptance of the offer made by Chase ] {$110.00} + interest which may appear on my next two statements [ improperly charged by Chase ] On XX/XX/XXXX, I spoke with " XXXX '' who presented herself as a manager. I have been a Chase customer for over 10 years. When I questioned the apportionment of my payment, she stated that payments are applied to the promotions with the lowest interest rates first. As you will see in the documents provided, this in NOT what happened with my account. 

I explained that I had JUST accepted the new promotions, my fees were paid, and had no concern for the fact that I JUST paid more than {$400.00} in fees for a promotional rate, and that Chase, that very month, applied my payments to those brand new promotion. She advised that there was no way for me to recover my fees. 

XXXX offered NO viable explanation and she failed to make any attempt to make this right. As result of Chase 's deceptive business practices and the callousness of Chase regarding this matter, I requested that my long term account be closed. 

Just last month I was charged a {$99.00} annual fee. In light of the above, I request that this amount also be reimbursed to me. 

In addition to the breach concerning the promotional offer made by Chase, their business practices are deceptive and the advertisements of their promotions misrepresent the material facts of its offer. These facts trigger the availability of additional damages to me, including legal fees. 

Please refer to the documents provided, which evidence Chase 's transactions and include additional information provided by me. 

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

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened Credit Card Account opened at XXXX XXXX XXXX  in the amount of {$1200.00} on XX/XX/XXXX under the account number ( XXXX ), Auto Loan Account opened at XXXX XXXX XXXX in the amount of {$17000.00} on XX/XX/XXXX under the account number ( XXXX ). 
XXXX  XXXX XXXX XXXX XXXX account opened in the amount of {$810.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account opened in the amount of {$610.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX account opened in the amount of {$670.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX account opened in the amount of {$1000.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX account opened in the amount of {$1100.00} on XX/XX/XXXX under the account number ( XXXX ) HARD INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  COLORADO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX INCORRECT PHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted all required documentation to Equifax in order to place a freeze on my minor children 's credit files pursuant to the Economic Growth, Regulatory Relief and Consumer Protection Act, on XX/XX/2018, the documents submitted included : 1 A copy of the minor partys birth certificate showing proof of parentage 2 - A copy of the minor partys social security card which provides sufficient proof of identification 3 A copy of my valid Drivers License which provides sufficient proof of identification 4 A copy of a valid utility bill verifying residence address. 
5 Completed Equifax Minor Freeze Request Form I contacted equifax and they verbally explained that the files were frozen ; however I never received written confirmation with their identification pin numbers. I have spoken with them numerous times only to be disconnected and even told that they arent allowed to place freezes on files for minor children
Product: Credit reporting or other personal consumer reports

Experian recently reduced my FICO credit score to " Unscorable '' and said it's due to me have no credit activity within the last six months ; however, I do in fact have an ACTIVE/OPEN account at this time. I have an open federal student loan through XXXXthe U.S. Department of Education .
Product: Checking or savings account

XX/XX/2020! I had rented a car for my granddaughter in XXXX XXXX XXXX and the car was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But anyway XXXX XXXX police took the car in for investigation on XXXX ( Saturday )! XXXX XXXX released it on XXXX! The car rental claimed they didnt get it for 10 days! That took the rental up to {$2300.00} and US Bank let them take it and 1 deposit from government stimulus they took it but the government took it back and sent it to me! So lastly US Bank has XXXX XXXX  me to where I cant open any accounts at any bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Numerous complaint to update this suspicious information. I think you have not validated these items and I believe they have failed to authenticate these items. I included this in my last COMPLAINT and hope that these items be verified completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

My loans are being serviced by Great Lakes and they are the worst servicer I have dealt with, They are not offering any financial hardship assistance to me whatsoever and I do not want to continue to work with this agency. I spoke with XXXX in the wage garnishment department who was rude, misinformed, avoiding to answer questions, refused to give her last name, refused to get a manager on the phone when requested and not helpful at all. I then had to hangup on her because she offered no assistance and called back and spoke with a lady who claimed she was a supervisor who the other representative claimed their were none available and I spoke to XXXX XXXX, who was not very helpful either and spoke down to me and my representative and would not offer me an affordable payment arrangement after I had given her my income information. I told her that I could not afford that and she insisted on that amount to be paid in order to stop my garnishment. I offered to pay an amount that was more affordable and was turned down to do that. This lady works off commission and gets paid if she get money from me and I just want to resolve my loans with reasonable payments so that I can feed my XXXX children and still pay my rent. This is deplorable and I want this agency to be removed from servicing my loans and allow me to consolidate since that is the only reasonable solution for me at this point.
Product: Mortgage

We opened a HELOC with TCF Bank in XX/XX/XXXX, secured by our primary residence. We sold said primary residence in XX/XX/XXXX, at which point the HELOC balance was paid off in full as part of the closing process. However, we are still being charged annual fees and the account has not been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, XXXXSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a complaint was filed with Experian. Complain ID XXXX. Based on the company 's response it shows that they are willfully failing to comply with the Fair Credit Reporting Act. In my complain I listed specific items that must be removed immediately due to them never being authorized by me the consumer. They are in violation of 15 USC 1681b ( a ) ( 2 ) by having information on my consumer file that I never gave permission to be there. Per 15 USC 1681b ( B ) ( i ) ( IV ) once noticing that the information reporting on my consumer file was not authorized by me. I immediately wanted it removed. Per 15 USC 1681a ( o ) ( 5 ) ( C ) ( i ), Experian has to notify me the consumer within 5 business days of anything that is added to my consumer report. That was never done. This is a case of identify theft because I never gave authorization to Experian, meaning that someone else used my information. If the information was not authorized by me, wouldn't that make the information on my consumer report false?
Product: Student loan

In XXXX I took 2 XXXX XXXX XXXX XXXX loans, XXXX and XXXX totaling XXXX. Loan # XXXX. My son graduated in XXXX and I began making payments and have evidence of such payments. I filed a dispute with FSA in XXXX because regardless of how many payments I made in the amount of XXXX the principal balance continued to increase and received evidence of payments but no further action was taken. When I filed bankruptcy in XXXX the loans were not included and the balances continued to increase and I continued to make payments. Now comes a company called Aidvantage that bought the loans from XXXX XXXX apparently and I still am showing a balance of XXXX which is more than twice the amount that was borrowed in the first place and gives no consideration for 16 years of payments. Please assist in getting this balance forgiven and removed from my credit report as it now shows a past due balance. Thank You, XXXX XXXX
Product: Debt collection

Written numerous letters requesting debt collector to verify debt. Spoke with rep by the name of XXXX who could not verify debt information. {$260.00} XXXX which is reporting twice on my credit report from this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all 3 major credit bureaus XXXX, XXXX, and experian a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Debt collection

I received a letter from Midland Funding stating I owe about XXXX dollars. I called them to see if we can work something out if anything since it said I have till the XX/XX/XXXX to respond. I spoke to a representative stating they cant do anything for me as the debt is under investigation. I asked to speak to a manager and they transferred me to XXXX XXXX and gave me the run around and told me to call tomorrow. I tried to settle so theyd leave me alone but it seems they want to use scare tactics to get me to pay a full amount for a debt I alledgly owe.
Product: Credit card

One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/20XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a company that ruins people credit intentionally. I had several complaints about the reporting for 4 lates on my credit by XXXX XXXX. XXXX XXXX  agreed to update to current and never late I enclosed the letter to prove it. Please update my report. Im stuck now especially I was sick with XXXX XXXXXXXX I have proof. I NEVER WAS LATE
Product: Mortgage

I applied for a XXXX mortgage through Cascade Financial Services based upon their rules and criteria as stated on their website and I received a Pre-Qualification Letter dated for XX/XX/XXXX, in the amount of {$71.00}, XXXX. The website states that a certain XXXX had to be met, minimum and maximum loan amount, single-wide or multi-sectional homes are eligible, 5 % down payment, debt to income ratios as high as 50 %, and loan terms XXXX years. 

After receiving Pre-Qualification Letter, I made a deposit in the amount of {$1000.00} to purchase a single-wide house from XXXX XXXX XXXX XXXX XXXX WV. The sales contract is in the amount of {$67000.00}. I shared with XXXX that the house would be placed on property that I purchased in West Virginia as the XXXX XXXX  is for the house only and not the property ( land ). 

The loan then moved through the Processing Department of Cascade after sending the required documents but on Friday, XX/XX/XXXX, I received a phone call from the Processing Manager explaining that the loan was denied by underwriting because of a deed that is in my name for a property in New Jersey. She also told me that underwriting denied the loan because of a foreclosure on the property. I explained a foreclosure is not on my credit report therefore your company is making up things that are inaccurate. Then she explained that underwriting denied the loan because of a past bankruptcy that was discharged in XXXX of XXXX. After listening to all the excuses for denial by underwriting, as per the Processing Manager, I believe the mortgage application was denied because of my race ( I'm bi-racial ).
Product: Debt collection

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( National Credit Adjusters ) for committing identity theft. I have never given ( National Credit Adjusters ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( National Credit Adjusters ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit Adjusters ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit Adjusters ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit Adjusters ) continues its collection efforts, I will file for litigation for actual damages caused and ( National Credit Adjusters ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. Also, the credit bureaus responded that some of my disputed items were deleted but nothing deleted nor same items can be seen in my updated report. In the event that credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9300.00}, XXXX XXXX XXXX Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX