23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I located a debt being reported to all three credit bureaus by JH PORTFOLIO located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Via certified mail, I made contact with the company requesting a validation of debt. This was mailed on XX/XX/2018. Please see provided documents for proof of delivery. As of XX/XX/2018 I did not receive correspondence from JH PORTFOLIO in reference to my alleged account with them. I mailed a second letter via certified mail on XX/XX/2018 advising them they failed to validate the debt and demanded a removal of inaccurate information from my credit report. As of this date the information has not been removed and I am requesting assistance in having the inaccurate information removed. Please see attached forms for exact letters mailed and certified mail receipts
Product: Credit reporting

XXXX XXXX has placed a report on my XXXX bureau files claiming to be the assignee of my former landlord " XXXX '' located in XXXX, AZ. they claim I owe rent from when I move during XXXX 2011. They have never produced a document claiming to be the assignee and have advised me over the phone they have no intention of suing me for they know they can not prevail. Despite this the bureaus continue to report this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I 've not only contacted Equifax about inaccurate & erroneous regarding addresses to Which ive never lived in! I have even sent notorized doucments proving that i didnt live at the address, supposedly those addresses have been deleted but yet the remain on my Equifax credit report. This hinders my chances of obtaining credit, verifying who i am when i apply including getting turned down because of this. Please inform Equifax that im now seeki ng Legal Consumer Protection Council if this inaccurate information stays on, and that i will seek Legal remedies via Lawsuit. attached i have provided dispute results from Equifax and Todays File which still shows the Supposed '' Delet ed Addresses ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report to all three credit bureaus. In fact, the information being reported is different on each bureau for example on Experian they are reporting three open leases which were started in XXXX and XXXX but on XXXX and XXXX they are reported as closed. It is now the year XXXX which is more than 8 years laster and these accounts are falsely being reported as open by XXXX which makes no sense because what kind of auto lease lasts for 8 years? I will attach proof to show these accounts were being reported as closed to XXXX and XXXX but XXXX though it would be a good idea to leave them as open on Experian and after disputing this with Experian multiple times they simply take XXXX side because XXXX has bigger pockets than the average consumer who doesnt have millions of dollars like XXXX XXXX pay Experian to support their lies. I dont have any open accounts with XXXX and they have caused me huge financial problems because they are false stating on my credit that I currently have three open vehicle leases with them and I dont own any XXXX nor do I have three cars to my name.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and Ive noticed accounts that are fraudulent. I am requesting these accounts to be removed because they are hurting my credit.
Product: Credit card or prepaid card

I upgraded my XXXX credit card to the XXXX XXXX card in response to an offer solicited by Chase. I received the card and the welcome packet clearly says I will receive {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I followed the instructions and registered my card with XXXX. However, I never received the XXXX XXXX. I called Chase 3 times. They said they will inquire about that. However, I received a letter from Chase saying that they acknolwedge that I am supposed to receive the stated benefit but they are " not responsible for fulfiling it ''. The letter says I need to contact XXXX for that. I called XXXX, and of course, they have never heard of that Benefit from Chase and did not know anything about that offer and told me I should contact Chase. 

This is clearly an advertised offer made by Chase and Chase should be responsible for fulfiling it. It is really ridicoulous that Chase says XXXX should be reponsible for that, not them.
Product: Credit card or prepaid card

WHILE WORKING ON MY CREDIT CARD ACCOUNTS TO SEE THE MONIES THAT HAS BEEN SPENT I CAME ACCROSS XX/XX/12 XXXX XXXX XXXX CHARGE OF {$2600.00} A CHARGE I DID NOT HAVE ANY CONNECTION TO. I CALLED TO REPORT IT TO XXXX AT NAVY FEDERAL XXXX. XXXX I SPOKE WITH XXXX AT THE BANK AND SHE TOOK THE XXXX CLAIM SHE SAID IT WOULD TAKE ABOUT 90 DAYS TO RETURN MY MONEY AFTER THEY ARE FINISHED THE INVESTIGATION. I GAVE HER ALL THE INFORMATION I FOUND ON THE WEB ABOUT IT WAS A SCAM, AND THE PHONE NUMBER AND THE BUSINESS NEVER ANSWERS. SHE WAS NOT VERY NICE. SHE ASK ME WHY DID ID JUST FIND IT. I EXPLAINED I WAS SEARCHING FOR MONEY I HAD SPENT IN THE PAST 5-6-7- YEARS. 
I AM NOT ASKIING FOR ANYTHING BUT MY MONEY RETRUNED TO ME. 
THIS WAS A SCAM AND I WAS THE VICTIUM. I WANT MY MONEY CREDITED TO MY ACCOUNT. YES I MISSED THE CHARGE BUT IT IS STILL A FRAUD AND I WANT MY MONEY RETURNED TO MY CARD.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because, in spite of my multiple disputes, they have consistently reported false information on my credit report. My rights under the Fair Credit Reporting Act ( FCRA ) are being directly violated by this. 

All of the aforementioned creditors and collection agencies are obligated by the FCRA to look into disputed material within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.
Product: Credit card or prepaid card

I opened a credit car with Bank of America. Once I received my first statement, I set up payment options through the online banking website, and set up an automatic payment from my bank to Bank of America. 

No automatic payment has ever been deducted from my bank account and applied to my credit card. I went online back in XXXX and attempted to pay my card via the website, but was not able to. I was able to pay via telephone, and began working with Bank of America to fix the issue with making payments from the website. 

Bank of America has not addressed the issues I have making payments online : I am not able to pay my credit card using the website, and I am not able to set up an automatic payment. I continue to receive an error that tells me " We can't complete your request at this time. Please try again later. '' ( attached ) The only way I can pay is to call in every month and make a phone payment, which is not how Bank of America advertises their service. 

Calls to the department at Bank of America that is supposed to be working on my issue are not returned, and no one I speak to on the phone is aware of my issue.
Product: Debt collection

On XXXX/XXXX/2015 I reached out to Midland Fund to settle a debt. It was agreed that a payment of {$1400.00} would settle the debt. A letter was received shortly after dated XXXX/XXXX/2015 that confirmed this information. I signed it, made a copy and sent it back. They continue to report this balance. I 've talked to the department handling the account which can be reached at XXXX and they confirmed the balance was paid. I was then directed to call XXXX who asked if I wanted to settle the debt. I am getting the run around and no one at this company seems to know what is going on, they 've been affecting my credit for 8 months and getting this matter resolved is not something they are interested in doing.
Product: Debt collection

Received a phone in XXXX of 2023. From a third party of handcock/whitney bank . About a debt, offered to make payments. The representative refused the payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer reports via XXXX and Equifax, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.
Product: Credit reporting or other personal consumer reports

XXXX XXXX seems to have predatory practices they use to try and bully the consumers. It took me over 2 years to resolve a fraudulent warranty placed on my vehicle. Once that was resolved, they decided to never update my account status to showing paid in full and closed. Now that was resolved, they have retaliated once again and decide to mark my account with 30 and 60 day late payments. It's laughable, I have all of my receipts. I intend to file a complaint with XXXX XXXX XXXX XXXX  and have an attorney file a lawsuit for violating my rights. These predatory practices are a disgrace and I can only imagine what they do to the uneducated consumers.
Product: Credit reporting or other personal consumer reports

AI Chat AI Video AI Chat AI Chat is an AI chatbot that writes text. You can use it to write stories, messages, or programming code. You can use the AI chatbot as a virtual tutor in almost any subject.

Chat History Are u familiar with consumer laws Delete Yes, I'm familiar with consumer laws, which are regulations designed to protect the rights of consumers when they engage in transactions for goods and services. These laws cover a wide range of issues, including product safety, false advertising, warranties, and the right to return or exchange products. Consumer protection laws vary by country and jurisdiction, so if you have specific questions about a particular aspect or region, feel free to ask!

Copy Search Web Summarize Delete Ok using consumer law 15 US 6802b write me detail dispute paragraph stating how according to this law all late payments on my consumer report is inaccurate because I never opted out or was giving the option to opt out even tho they state I opted in to having my information release XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ), individuals have the right to control their personal information and may opt-out of allowing financial institutions to share their data. It has come to my attention that my consumer report reflects several late payments reported by XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, I did not opt-in for my information to be shared with these entities, nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such, I request an immediate investigation and correction of my consumer report to remove these erroneous late payment entries, as they do not accurately reflect my payment history and have been reported without my consent.
Product: Credit reporting or other personal consumer reports

The company is urged to promptly remove the unauthorized inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since hiring the XXXX  XXXX XXXX to represent me to sue companies like Equifax and the nearly 42 creditors who I have enclosed in this report is sad when Equifax doesnt care to follow the FCRA. I have enclosed a FTC report and local Police Report and I am just ignored by the same company that has distorted and continues to frivolously report a collection account after making multiple disputes and over 42 fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity thefts fraudulent paperwork tampering with records XXXXXXXX XXXX XXXX XXXX XXXXXXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXX XXXX XXXX XXXX XXXX an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement
Product: Vehicle loan or lease

My vehicle is leased through U.S. bank. It was involved in a hail storm and was damaged. I sent the insurance check to U.S. bank over a month ago and it has still not been sent to my bodyshop to cover the repairs. Everytime I call I get a different story. First they told me the check was sent back to me and I should receive it in 7-10 business days. After I didn't get the check I called back and they told me they sent it out on XXXX to my body shop. When I contacted my bodyshop, they said they had not gotten the check. When I called the 3rd time they told me they still had the check and needed a repair order that matched the ammount of the check. I asked if they could contact my bodyshop, they said no. I told them I would have my body shop contact them, they said that would not work either. They said I had to " FAX '' the invoice to them, I asked if I could email it to them and I was told that was not an option. I faxed the invoice to them on XXXX and included my account # ( XXXX ) so that they could notate the account and release the check. I contacted them today XXXX and they said the account doesn't show anything about receiving the fax. I was told they would look into it and contact me within XXXX. This has been dragging on for over a month and I need it taken care of. I don't see myself EVER leasing another vehicle, or doing ANY kind of business with U.S. Bank in the future. It's not like I'm trying to get them to send ME the check, I just want the bodyshop to be paid so I can pick up my truck. Attached is the fax confomation that was sent on XXXX to U.S. Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my Transunion credit report. The inquires were made with XXXX XXXX, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither XXXX XXXX, nor Transunion seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agency will not update my XXXX  XXXX XXXX card as paid off
Product: Debt collection

My complaint is againt Equifax. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information.

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days.

1 ) Equifax misplaced my private identification documents 2 ) Equifax lied about expediting the removal of negative credit information 3 ) Equifax gave me the run around when I tried to get this taken care of
Product: Mortgage

XXXX of XXXX, i was unlawfully discriminated against an provided a horrible customer experience by wells fargo and its representative agent. i did in fact apply to refinance my mortgage loan, which i was qualified to do so. wells fargo and its representative did not allow me to refinance my mortgage loan despite the fact i was qualified to do so. The wells fargo representative kept requesting i re send the same documents over & over. Even going as far as to speak with an request information from my supervisor at my job. This process went on for weeks. After a couple of weeks of disparate treatment discrimination. I found another lender, who i sent the exact same information, who then approved my refinance loan in 3-5 days. After my approval with this other lender, the wells fargo rep was still calling me an requesting i re send documents that had been sent at least 5 times. i requested this matter to be escalated at wells fargo and never heard back from them until i placed a call XX/XX/XXXX, And was told there was not anything that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX BANK NUMEROUS TIMES, ZERO RESPONSE. XXXX BANK FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE XXXX XXXX SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE XXXX AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX BANK FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX BANK NEGLECTING TO RESPOND. THANK YOU
Product: Checking or savings account

I am working so hot .So open citi bank cheking account online. 
I make application on XXXX, citi bank sent email to me ( Thank you for your recent application on Citi Online or Citi Mobile for an account. Citi needs you to provide more information in order to open your account. Please click the Review Document link to provide the requested information. ) this is email onXXXX. I finish Document to them. 

But for some reason, the XXXX XXXX closed my checking account soon after. 
I called their department concerned to consult.They said they didn't receive my Document.Email can't be filled in OnlineI Don't understand. Why do they still have email to fill in for me? 

I hope to be helped to get a public solution. Thank you
Product: Debt collection

Incorrect amount being reported on credit report- the account was fully paid off but its being reported as a charge off with XXXX dollars being written off! incorrect data
Product: Credit card or prepaid card

I opened Capitol One Venture X credit card account for the sole purpose of utilizing the advertised benefits that the card was offering, specifically but not limited to the use of Priority Pass and all inherent secondary attributes. Capitol One Bank vigorously advertised the Venture-X credit card in this manner in order to attract business. 

After opening the account, paying the substantial annual fee, and applying a modest balance, I used the card successfully for approximately 1 month. Shortly thereafter, locations which accepted Priority Pass benefits intentionally forbade and denied said benefits to its members ( in good standing and without warning ) that utilized the Capitol One Venture-X Card. Furthermore, Priority Pass discriminated against ONLY Capitol One members and no others, placing the onus of ethical integrity squarely on Capitol One Bank. Priority Pass offered no recourse and instead blamed Capitol One for its denial of advertised benefits. 

After reaching out to Capitol One to rectify the situation, which now was clearly misleading if not a blatant violation of implicit contract, perceived, real, or otherwise falsely advertised, Capitol One refused any relief. 

As such it is reasonable to assume through a preponderance of evidence that Capitol did engage in unethical and nefarious predatory lending practices in order to attract a specific customer base, capture substantial windfall monetary profits in annual fees and balance accruals, and thenceforth deny the benefits used to attract said customer base. Payments to a non-credible, malicious lender have ceased until a resolution can be obtained. 

Caption One has since engaged in a campaign of harassment, collection agencies, unrealistic fees, interest rates, and numerous negative credit reporting in order to extort the consumer into paying. 

Capitol One has has refused to rectify the situation despite the consumer ( me ) reaching out in a good faith effort to pay the balance to zero without penalty and relief from the contract which no longer is as advertised. I have verbally advised Capitol One Bank of my intent to file a regulatory complaint, to which they did not change their position.
Product: Credit card or prepaid card

XX/XX/XXXX ; 2023 Spoke to representatives named XXXX, XXXX, XXXX and a few other reps who constantly transferred me, failing to help me dispute a cash advance fee placed on my credit card by XXXX. I did not get a cash advance from that merchant. I made that clear to Barclays XXXX. They refused to remove the charge and did not allow me to dispute it. They continued to place me in this vicious cycle of transferring me from one person to another. Then they removed the dispute charge link from my access to block my ability to dispute this charge. I am so traumatized by this business shenanigans. The fee is erroneous and I made that clear. Their associates refused to allow me to dispute it which is my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my Equifax account for the past XXXX months. Ive called the company at least once per month to speak with a representative about handling this issue. The representative attempted to reset my password on their side and that does not fix the problem. After about a 30 minute phone call the representative tells me that they will send my issue to the technical department and someone will get back to me. That has never happened. When I apply for funding, Im told that they can not see my credit score from Equifax. I have been told by an Equifax representative that I do not have a credit freeze or fraud alert on my account. Ive written several letters and sent the information to verify my identity to asked to reset my account and that has not worked.