23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018 I initiated an online payment to my mortgage company Sierra Pacific for loan number XXXX in the amount of {$1900.00}. My bank sent off payment and debited my checking account for that amount on the XX/XX/XXXX. In XX/XX/XXXX I received several " automated robot calls '' telling me to call Sierra Pacific,  having left no reason for calling and the vague nature of the calls, I assumed these calls are a scam I did not return the calls. I got back from vacation and found a past due notice from Sierra Pacific. 

I contacted Sierra Pacific on XX/XX/2018 and supplied a screen shot of my account showing that the check was sent and debited from my account. They responded that they needed a copy of the check front and back OR a electronic transmittal form, they also mentioned that they cancelled my ticket #. I sent in the electronic transmittal form to Sierra Pacific and called them up. The lady mentioned that my ticket was closed, but the investigation was open. I sent in my mortgage payment for XX/XX/XXXX on XX/XX/2018 and I am worried that that might be lost as well. 

I am uncertain what to do and I am worried about the negative impact on my credit. Sierra Pacific is non-responsive. Please help me if you can.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.
Product: Credit card

Chase is closing my oldest credit card from 2005 without any reasons. Because of this my credit score will suffer. We are looking to buy a house in the next XXXX month. It looks like nobody at Chase care abut consumer. Please look into this practice from Chase. I would prefer to keep this account open. Thanks
Product: Checking or savings account

I applied for and was approved for the Chase Sapphire Credit Card in XXXX of XXXX because of all the incredible perks. I loved working with Chase so much that I wanted to switch from XXXX  XXXX XXXX to Chase. I attempted to open to open a checking account and a savings account with Chase. Once opened I transferred {$2000.00} to these new accounts to try and start the process of changing banks. About 2 days later I went to login to my Chase account to confirm the transfer has been successfully made but I was locked out of the account and told to contact chase with the number provided. After speaking to 4 or 5 different reps we learned the accounts were being closed because of suspicious activity. We later learned someone had used my social security number and personal information to open an account with Chase is XXXX of XXXX. I filed an identity theft claim with Chase. Since learning this information I placed a fraud alert with all credit bureaus, and filed a police report. I was just exploring my XXXX profile and found another account that was opened with JP Morgan which I disputed through XXXX.
Product: Prepaid card

I purchased XXXX {$200.00} prepaid VISA gift cards through XXXX. 
A day later I noticed that someone used all the cards at the exact same time with the exact same merchant for the total amount on each card ( {$200.00} ). 
I immediately called Incomm customer service ( card issuer ) and reported the fraudulent transactions. 
They opened up XXXX disputes regarding each card for {$200.00} each and temporarily blocked all cards. 
Dispute ID 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They told me the investigation would take 90 days and I should get a resolution by that day. 
On XX/XX/XXXX and XXXX I received an email regarding each dispute case about the resolution. As a reminder each of the XXXX disputes was about the same/similar transaction with the same merchant at the same time and the same amount on each of the XXXX cards. 

Incomm determined that dispute ID XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has been granted and resolved and a check of {$200.00} for each dispute will be sent to me within XXXX weeks. A couple weeks later I received XXXX checks for {$600.00} each meaning the XXXX dispute altogether has been resolved. 


However dispute ID XXXX, XXXX, XXXX has been denied with no explanation, even though all disputes have been opened the same day with the same issue. 

I believe that Incomm failed to investigate in those XXXX cases about the disputes and refused to resolve it with no further explanation. 

I would like to get those XXXX cases resolved and get the stolen money back to me either via another refund check or any other method. 

After I only got XXXX dipsutes resolved and the other XXXX rejected I contacted incomm on their customer care address on XX/XX/XXXX, but got no response for my request. 

Please see attached the resolution letters by incomm for each dispute.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with XXXX, XXXX, and Experian and no resolution. I have disputed this account directly with the creditor, XXXX XXXX and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Transunion on XXXX occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per XXXX XXXX XXXX XXXX. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.
Product: Credit card

Regarding a XXXX credit card and it is through CitiBank. I use my XXXX cc monthly especially for gas. Recently I used a interested free check to pay for a plumbing bill I had recently. When I make a payment which is the exact amount of my monthly current charges plus additional to go towards my outstanding balance they in turn decide how they want to credit my bill. I have called 3 times to complain with no success. They tell me this is how they do it. This month when I received my statement this is totally wrong. Last month my current cc charge was {$230.00} and outstanding balance {$2300.00} and I paid them {$600.00}. They credited my regular cc charges {$400.00} which will give me a credit towards this months charges of {$200.00} so I only owe {$38.00}, BUT then they only credited {$190.00} to my outstanding balance. What is actually happening they are giving my monthly credit card charges more of my payment for future charges and not crediting to my outstanding transfer balance which I want paid off before the due date. They have already charged me {$120.00} for the use of this interest free funds, but it is not right that they can decide how my monthly payment is credited to my balances. I would like to know if this is legal. If I was not a detailed consumer and didn't realize this was happening it will be harder to pay off my outstanding transfer balance before interest would kick in. This is not fair or right. Please let me know your thoughts.
Product: Vehicle loan or lease

I just recieved information as to WellsFargo paying out to there consumers due to illegal actions. I was just reaching out because I have not recieved anything in reguards to my back account with them or my loan that I have.
Product: Debt collection

They are trying to this account 2X charging me 2X reporting on my credit report 2X.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX     USDOE/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX  TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX  XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with NAVY FCU was never late! I have had exceptional payment history with NAVY FCU and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

NAVY FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows My correct name and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never used any of them .

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX
Product: Bank account or service

I told First Merit Bank employees on XXXX XXXX that my wife and I would file complaints against it with the CFPB. Simultaneously, I presented a corporate dividend check for {$3.00}, cashed it, and then deposited the money into my checking account, as has been the pattern I have utilized cashing and depositing for the past five years. However, in retaliation, First Merit Bank employees at the XXXX XXXX, Ohio, branch afterwards put a hold on the check. Since no holds were ever placed previously on at least 99 % of my checks, it is obvious that First Merit Bank maliciously placed the hold in retaliation. Moreover, no employee of the bank notified me that there would be a hold placed on the {$3.00} check. First Merit Bank 's practices are against the interest of the public From the bank 's website re my account :. Date Type Description Withdrawal HoldXX/XX/XXXX HOLD {$3.00} HOLD ON {$3.00} DEPOSIT {$3.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plans as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL MARKED MY ACCOUNT AS 30 DAYS LATE. I HAVE NEVER HAD A LATE PAYMENT WITH THEM IN ALL THE YEARS I HAVE HAD THE ACCOUNT. I MADE MY PAYMENT ON XX/XX/2019. XX/XX/XXXX WAS A SATURDAY AND MONDAY WAS XXXX XXXX. NAVY FEDERAL DID NOT POST MY PAYMENT UNTIL TUESDAY XX/XX/XXXX WHEN I MADE MY PAYMENT BEFORE XXXX ON SATURDAY XX/XX/XXXX. I HAVE CONTACTED NAVY FEDERAL SEVERAL TIMES BY PHONE AND I WAS ADVISED TO DISPUTE IT WITH THE CREDIT BUREAUS. I HAVE CONTACTED THE 3 CREDIT BUREAUS BY PHONE AND MAIL AND THIS ISSUE HAS NOT BEEN RESOLVED. I WANT THIS LATE PAYMENT REMOVED FROM MY CREDIT IMMEDIATELY AS I WAS NOT 30 DAYS LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

When it comes to the following Credit Bureaus [ XXXX, Equifax, XXXXXXXX XXXX XXXX XXXX XXXX but not limited to them only ; I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens [ 281 SW 715, 719 ] there is no proof of the alleged debt, nor therefore any such debt [ s ] in fact that exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank/Target offered a payment plan in XXXX of {$81.00} due on the XXXX of every month starting in XXXX. Payments to be automatically debited. Payments were made on time XX/XX/XXXX and XX/XX/XXXX. 

As of today, XX/XX/XXXX, they have reported me 60 days late in XXXX, XXXX and XXXX. I have disputed several times with XXXX and with XXXX showing documentation and it has not been resolved. XXXX payment is not even due for XXXX more weeks! 

This is ruining my credit and needs to stop! I am paying on time as agreed in the plan that they offered.
Product: Mortgage

I lost my job in XX/XX/2020 after working there for 6 years, business slowed due to the Covid Pandemic. I started to get behind on my mortgage, I called them repeatedly to try and catch up on my mortgage I eventually got {$8000.00} behind I called and told them I can pay {$7000.00} and try and get the other {$1000.00} within the next month but the refused to take payment unless it was the whole {$8000.00} payment. I only owed XXXX on the house and my land and it appraised for XXXX I had a potential buyer when I learned that XXXX mortgage went behind my back and bought it from XXXX sheriffs office for only {$50000.00}. My kids and myself our now trying to make rent bc I spent all my money trying to sell my home because I had so much equity in the house. I cant take much more as a single dad with no financial help, I work 7 days a week for {$9.00} an hour. Im so stressed that I almost wish XXXX would just take me I Cant hold on much longer Im beyond stressed that me a XXXX year old man cant fully support my babies Id getting to the point Id rather be XXXX. I dont know who to ask or what to do for help.