23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a credit builder account with Chime in early XXXX. The way it was advertised is that if I deposit money into it, I use the card like I would a debit card to pay bill etc. They would then report to the credit bureau. I began depositing 50 % of my checks twice monthly with an average of XXXX XXXX going to that card. This card is supposed to act like a prepaid card. Whatever goes on it, is all that is available to spend. At some point I believe in XXXX, I noticed that my credit score was just dropping instead of increasing like they had promised in their advertising and when I checked XXXX, it showed a balance of {$1600.00} which appeared as though my available credit was negative and dropped my credit score over XXXX XXXX  I then stopped depositing money on that card or using it, and the balance still shows {$7.00} Now the issue is they're saying I owe them {$560.00}. No one was willing or able to clarify where the {$560.00} came from. Since this is not a traditional credit card, there is no total available balance for me to have over spent on that card. I can only spend what I have deposited. Now not only is it showing a balance that is impossible to have, per their advertising, but it is also showing 2 late payments which just hit my credit score again. So despite paying off all of my credit cards and most of my debts, I now have negative payment history effecting my score rather than it improving by getting myself in a better financial position. 
When I've talked to Chime about this, the only thing I've been told is to check monthly statements and they don't understand what I'm asking.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear SYNCB/LOW, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-XXXX ( a ), the XXXX Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that SYNCB/LOW has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, XXXX  state law, specifically Section 44-3301 of the XXXX Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the XXXX Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SYNCB/LOW to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SYNCB/LOW immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SYNCB/LOW will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

I applied for a Home Loan with Wells Fargo on XX/XX/2020. I was contacted the following day by the home mortgage consultant. I had already been pre-approved by Wells Fargo for {$400000.00}. I found a home for {$160000.00} that I decided to make an offer on and started the purchasing process. 

After communicating with the home mortgage consultant through XX/XX/2020 I was then handed off to a loan mortgage processor who began requesting my financial information which I provided. on XX/XX/XXXX, I was told the underwriter was reviewing my file. 

I requested status updates throughout this process and did not receive a response until XX/XX/2020 at which point I was told by the consultant that himself and the processor were working to get the loan approved and closed. 

I was again left without any updates until XX/XX/2020 at which time I was told they " would be in touch ''. I was sent an email about getting a " Rate Lock '' for my loan on XX/XX/2020. 

At no point during this entire process was I informed that my current employment was " insufficient '' for my loan application. I am a veteran who also receives VA Compensation. From my understanding this is also supposed to be considered as regular income. 

I work XXXX  currently for the US Military and according the Wells Fargo this is not a " reliable source of income ''. I do not see how this type of employment is any different than any other employment in an " at will '' state. 

We were set to close on this property XX/XX/2020. We had to get an extension on the purchase agreement because of Wells Fargo not responding to emails or calls about the status of the loan. 

On XX/XX/2020 I was told my loan was denied. The only reason being " employment income is temporary or not regular ''. I have guaranteed VA Compensation and my employment is not any more temporary than anyone else that is employed in an " at will '' state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to an account established with XXXX XXXX Bank for an amount of {$850.00}. This account was established with her information without her consent and is an issue of true named fraud and identity theft. An official dispute of this account was provided to XXXX XXXX XXXX ( MCM ) office XX/XX/2018 and was received as verified with a return receipt. Shortly after XX/XX/2018 MCM sent a second " pre-legal notification '' concerning this attempt to collect. MCM has violated the FDCPA and the FCRA in their failure to not conduct an investigation into this matter and still they tried to collect this debt. In addition the original creditor XXXX XXXX bank was also notified XX/XX/2018.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, MO XXXX Dear, MOHELA/DEPT OF ED FINAL NOTICE I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance send certified mail return receipt requested you deliver to me the following : provide a validation of the debt, that, production of account and the general ledger statement. 

Verification of your claim against XXXX XXXX, that is, a signed Invoice. 

A copy of the Contract binding both MOHELA/DEPT OF ED AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 

A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 

The CUSIP number under which my loan was securitized to. 

Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15> CHAPTER 41> SUBCHAPTER V> 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC.

You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank you, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

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

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

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 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 XXXX  consumer report containing any of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

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

XXXX XXXX, XXXX I have had an issue with Ocwen since they bought my loan from XXXX XXXX when the banking system went south. Ocwen holds payemtns, sendthem back and when I fell behind they charged me false charges. Every month I get different mail from them with different totals and even a foreclosure notice on a loan paid to date. It is a continuing battle. I ca n't get on the website to view documents because it never works. They are behind in updating information and charge because of it. 4 times they have returned my payment to me for no reason. It is frustrating. I called again today and XXXX my case manager says I am up to date and he will send me information regarding charges. Thats fine but they should n't have charged me. All I can say is be persistent. Also it is not the employees fault it is the system they use. I have stopped answering phone calls from them because it is hard to understand them. I only deal with XXXX. 

Charges are dated XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$140.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$130.00} ( XXXX charges XXXX day ) Property Evaluation XXXX/XXXX/XXXX {$300.00} Titel Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$0.00} ) Property Evaluation XXXX/XXXX/XXXX {$10.00} Title Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX charge XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$7.00} Title Fee XXXX/XXXX/XXXX {$7.00} Title fee again
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a job offer from XXXX XXXX, who then ran a background check on me through First Advantage. 

I graduated with a XXXX XXXX XXXX  on XX/XX/2018, but my background check came up as " DID NOT GRADUATE ''. Obviously this is a serious problem and I don't want my employment offer to be retracted based off this incorrect information. 

The contact method they used shows up as ( XXXX ) XXXX, which when googled, comes up as " XXXX XXXX XXXX '', a third party student data website. The background check should have conducted the search through my school ( University of XXXX  ), not a third party website that clearly has outdated information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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/2021 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 may 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. 

XXXX XXXX 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

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. The dates shown on my credit report for this account are not accurate. The date last reported for TransUnion shows XX/XX/2023, XX/XX/2023 for XXXX, and XX/XX/2023 for XXXX. Last payment dates for Transunion are XX/XX/2023, XXXX XX/XX/2023, and for XXXX XX/XX/2023. With these incorrect dates, my credit report also shows an inaccurate 30 day late payment on XX/XX/23. Also, TransUnion shows the account as closed, while XXXX and XXXX shows the account as paid. 

Account name : XXXX # XXXX 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 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.

These inaccuracies are stopping me from getting the credit funding I need for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 

3. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit card

The company illegally automatically charged my card without my consent on XXXX On XXXX I was charged a late fee of {$41.00}. My bill was due on the XXXX and the balance was paid on XXXX Yet Im still being charged an outrageous late fee which is the amount of the monthly charge. The company is continuously adding unnecessary fees causing the credit card balance to increase! The company is a fraud and is dishonest!
Product: Credit reporting or other personal consumer reports

LVNV/reseervent has failed to provide proof of contract on a charged off debt from 2014 California 's statute of limitations on debt is 4 years, per the state 's Code of Civil Procedure 337. A statut This needs to be deleted from my credit report
Product: Credit reporting or other personal consumer reports

The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent XXXX {$430.00}, Experian {$430.00} and XXXX shows {$300.00} Date opened shows inconsistencies XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XXXX shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a XXXX XXXX XXXX XXXX XXXX  Experian- XXXX XXXX XXXX and XXXX shows All Banks Creditor remarks shows says XXXX- Cancelled by credit grantor/, Experian XXXX has been closed due to inactivity and XXXX shows Closed or paid account/XXXX  balance/account is closed by XXXX XXXX all show signs of inconsistencies Last payments show that XXXX and Experian has a last payment day of XX/XX/XXXX while XXXX shows a last payment as of XX/XX/XXXX XXXX XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
Experian : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as XXXX. 
XXXX : Reports a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested XXXX XXXX XXXX to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and XXXX XXXX XXXX to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XX/XX/XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to Equifax to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted Equifax and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to Equifax and second to send me a letter stating that they sent this request to Equifax. After a couple of weeks, I contacted Equifax again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and Equifax keeps not receiving it.
Product: Bank account or service

I have a checking and savings account with Wells Fargo and was the victim of fraud due to a roommate going through my belongings and taking a check that was not given to her nor dated but made out to her and signed. A new check replaced the check stolen. XXXX police reports were taken and a detective assigned to the fraud case. A new account was formed and monies transferred to the acct. Fraud unit had an agent working the case. 
XXXX XXXX of Wells Fargo Risk Mgmt contacted me after receiving contact from the detective for evidence to prosecute the person for theft, uttering, etc. XXXX XXXX did not at any time tell me the bank was taking back the temporary credit ; yet, she told the detective. 
Wells Fargo believes that since the check was signed, it does not matter what means were taken for the check to be in the hands of the suspect. The fact is a date was added to the check, unlike any of my writings, and will go forward to the district attorney. 
I learned from another police officer after he read the detective 's supplemental report that the monies were going to taken from my account as a reversal. Never once did XXXX XXXX let me know her decision. She was anxious to get off the phone to the detective. The police knew before I did that the money would be taken from my account. 
Dealing with Wells Fargo is a risk unto itself. XXXX XXXX did not have the integrity or ethics to tell me of her decision. I am the customer, the victim and this woman made me out to be the wrongdoer simply because a loose check that was never given to the woman who went into my room and took it amongst other things, chose to date it and after I moved out walked into a Wells Fargo branch and received the monies. 
Devastating to be treated in this manner and it caused such anguish I had dispatch contact another police officer to talk to. XXXX XXXX made me think I did wrong. She made me feel like a victim all over again. She is without compassion, honor or integrity when it came to handling my situation. I wish the CEO to know of how I was treated. I have to wait until the woman is tried and restitution ordered a few months down the road. My account was compromised, lost time driving 2 hrs to the bank to get new account info to my employer, etc. Egregious conduct which shocks the conscience. Wells Fargo fraud has no conscience. Many people write a check and do not disburse it and so that means the writer of the check did wrong because someone altered the check to make it cashable? Forgery and uttering is a crime across the nation and 3rd degree in Utah. Wells Fargo treated me abominably and XXXX XXXX needs to be held accountable for treating me so abominably and not telling me what factors come into the decision. No one has the right to steal or use theft by deception or alter a document in any manner. This is fraud, theft by deception, uttering a forged instrument and I am the victim.
Product: Credit reporting or other personal consumer reports

My credit report shows billing errors and late payments that dont match my payment history. Please fix these inaccuracies and update my account.