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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company experian, did not investigate my complaint but brushed it off.

I complained of unauthorized inquiries on my account to all 3 credit bureau 's. Two of the three have removed them. Experian 's response was the following : " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you have several unauthorized inquiries are listed on your credit report. You would like the inquiries removed from your credit report. According to our records, the disputed items does not appear on your current Experian credit report. '' Effectively telling me that they have not reviewed the report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/20, Amount XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt.
Product: Debt collection

I have asked them repeatedly for an original letter from the creditor that shows the amount they " purchased " also if they are also even able to collect debt in my state. I received only letters from their company showing my payments options to them. they acknowledge I ask for verification letters in XXXX of XXXX and every month since they have called and still only receive letters telling me my options for paying my debt through them ( I havnt had this card for 6 or so years ). Still can not receive original credit statement. Am told ( by belittling me ) that they have sent them out. Portfolio Recovery
Product: Payday loan, title loan, personal loan, or advance loan

I started the application for this loan on the XXXX of XXXX but never pushed it through completely due to the website crashing and finding a better payment option. When it deposited it into my account I immediately contacted my bank to reverse the deposit and block any payments. The reversal report was stated to take anywhere from XXXX business days. The following week when a payment was processed from Patria, I attempted to get ahold of their customer support team and was finally successful. The customer service representative told me I could settle the loan for {$670.00} and my account would be closed. I asked about the payment that was processed from my account, and that I reported it to my bank to be reversed, he said that I would have to wait for my bank to process that reversal but that was it. It was never disclosed that the payment I had reversed would have to be repaid or that interest would be accruing. I have tried to settle this over email communication and have had no luck, and the representative I am speaking with, is being hostile and not supplying with me any answers other than I must pay or the loan will continue to accrue interest.
Product: Mortgage

on XXXX/XXXX/2016 I submitted a {$25000.00} payment to Ocwen for a principle prepayment on loan XXXX. They used {$1000.00} to pay my regular payment which I did not instruct them to do. I want the payment reversed and credited as I directed all to principle payment and my payment of {$1000.00} made on XXXX to my XXXX payment. 
Ocwen is a predatory mortgage servicing company run by thieves.
Product: Credit card or prepaid card

I recently received a monthly statement from Key Bank with a {$50.00} annual membership fee. This account has been inactive for at least 5 years, probably 10 ( and the company is no longer in existence, but I am sure my name is associated with it ). I called their their listed number to get this charge/account eliminated. I spent 30 minutes on the phone in an attempt to get the account closed. I was told to visit a branch to do this and told them that is not possible. I waited on hold for 15 minutes for a supervisor, and was told that one would have to call me back.
I just want them to close this account which was never theirs in the first place. I do n't have the time or money to deal with this. 

How do I get them to eliminate this ridiculous charge and close my account?
Product: Debt collection

I took a loan out against my house back in XXXX with XXXX ; they closed and reopened under XXXX XXXX XXXX. They turned it over to XXXX. I filed for bankruptcy in XXXX. StateBridge turned it over to XXXX XXXX XXXX, XXXX an XXXX XXXX XXXX. I spoke to several people at different times at this office. One individual stated that I did not have to pay this loan back because I had filed for XXXX in XXXX. The paperwork was signed in XXXX of XXXX I did not receive it in the mail until XXXX or XXXX. The attorney filed for foreclosure against my house in XX/XX/XXXX. I requested information for a payoff ( the least amount that they would take ). Someone gave me an e-mail address and when I e-mailed them ; it came up blocked. To request a payoff to resolve this issue. Then it was stated to me that they sold it back to StateBridge. At the time I was not working after I started back to work. I got a money order to send them in the amount of {$100.00} but someone from StateBridge stated to me that they were not taking any payment. I spoke to someone at XXXX XXXX XXXX and they were not taking this type of case near where I live. I applied for assistance with VA Mortgage XXXX XXXX which is currently under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never paid late by me as it is reported. I returned the XXXX XXXX XXXX in XX/XX/XXXX and got a new XXXX XXXX XXXX. I was not responsible for pay XXXX payments. I only had a 36 months lease that is from XX/XX/XXXX to XX/XX/XXXX not XX/XX/XXXX. I paid the dealership and they was supposed to take care of the payment. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are a 30 day Late payment. The XXXX years I had lease with Kia I was never late with a payment. 
This late payment is hurting my chance to lease or buy again with you. It is also hurting me from buy a home. 
After doing so please provide me with an updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my right. 
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 a account without my written instructions.

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

The three credit companies XXXX XXXX, experian and XXXX, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. Im disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Year XX/XX/XXXX-XX/XX/XXXX various companies. I have no clue who 97 % of them are.
Product: Debt collection

BALANCE : {$10000.00} Dear XXXX, We intend to proceed with legal action to secure the balance you

owe on your Discover Personal Loan as shown above.
You can resolve this by calling us to make acceptable payment arrangements. 

If we do not hear from you by XXXX Eastern Time on XX/XX/2018, your account will be forwarded to an Attorney to file a lawsuit against you. Our representatives are available Monday-Friday from XXXX to XXXX, Saturday XXXX to XXXX and Sunday XXXX to XXXX Eastern Time. 
CALL NOW AT XXXX BEFORE YOUR TIME EXPIRES! 

Should your Discover Personal Loan agreement require Discover to provide a notice of Claim then this letter shall serve as notice of Discover 's claim against you. The transactions making up your account balance have been sent to you in your monthly account statements. 

Sincerely, XXXX XXXX Operations Director Discover Personal Loans
Product: Checking or savings account

On XX/XX/ I received a letter by mail ( dated XX/XX/23 ) saying my account was being closed and a physical check would be mailed to me. Letter did not specify reason for closure. I contacted customer support and they did not know the reason for closing the account but referred to the letter. I asked if they can electronically send my funds to me instead of mailing a check. They have not confirmed if this is possible and are saying I will receive a check within 10 days. The account had a sizeable amount and a 10 day delay equates to hundreds of dollars of lost interest where they have the funds but will not be paying me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX CARD Date of inquiry XX/XX/2021
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase on XX/XX/year> using Afterpay from their vendor for some vehicle work being done on my car. After I paid and dropped the car off the shop became unresponsive and would not return my calls. The shop finally responded and they gave me my car back. The car was returned to me in very bad condition. The electrical work was done badly and almost caused a fire inside my vehicle. The vinyl wrap is peeling and when they removed body parts and panels from my vehicle all the tabs and screws are either missing or broken. Most of the work was not complete that I had paid for. I tried reaching back to the shop to discuss what they had did but he shop is out of business and the owner is nowhere to be found. I contacted Afterpay about this issue and they are refusing to reply and help me resolve the issue. I am out of my hard worked money and will now have to pay another shop to fix all the issues. I have attached pictures of the bad work that was done on my car Please help me. Thank you
Product: Debt collection

XXXX XXXXXXXX XXXX  XXXX which is now known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what Cavalry Portfolio Services does but in this regard in conjunction with XXXX XXXXXXXX XXXX XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.
Product: Payday loan, title loan, personal loan, or advance loan

I talked to the branch XXXX in XXXX Louisiana on XXXX XXXX and he asked me can I make a payment on Monday XX/XX/XXXX I stated I could come that Friday XXXX I would have a pay check he replied No so today XX/XX/XXXX I call because I missed a call and spoke with a XXXX XXXX who told me hold so she could see what the XXXX call was in reference too ; when she got back on the line she was very RUDE and stated disregard the XXXX call the next call would be from our attorney I asked her so dont make a payment on the XXXX she said No! These people call me numerous time a day XXXX or more ; they call from personal cells and all. XXXX going to pay the loan just was switching jobs and needed to pay on XXXX but the XXXX insisted I had to pay on Monday the XX/XX/XXXX. Once paid I will NEVER get a loan form Tower Loan nor would I tell anyone to patronize this company
Product: Debt collection

After Stafford Group & Associates verified the debt they claimed I owe, I sent them a debt settlement letter ( attached ) and they have yet to respond. The letter was sent XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX we received a response from XXXX XXXX XXXX ( " XXXX '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and XXXX responded that this is a duplicate inquiry. However, this is a new complaint. XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and XXXX continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.
Product: Credit reporting or other personal consumer reports

Equifax has violated my federally protected consumer rights under the Fair Credit Reporting Act. They have violated my rights by furnishing transaction details [ 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) between the person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) and consumer ( me ) without my prior consent, pursuant to Title 15 U.S.C. 1681b ( 2 ). According to Title 15 U.S.C. 1681c ( 5 ), " no consumer reporting agency may report any consumer report containing any adverse item of information, other than records of conviction of crime '', yet they furnished negative item transactions on my report on a disputed debt. By violating 15 U.S.C. 1682b permissible purposes and 15 U.S.C. 1681c information contained in consumer reports, they have violated compliance procedures under 15 U.S.C. 1681e. Equifax has willfully violated my consumer rights and is liable to civil suit under 15 U.S.C. 1681n. They are also liable to civil liability for negligent noncompliance under 15 U.S.C. 1681o.
Product: Credit card or prepaid card

I filed a claim with Chase Bank to make use of my trip delay reimbursement credit card benefit and it still as not been processed due to miscommunication, lack of transparency, and inability to get my questions answered. Back in XX/XX/XXXX, I purchased a flight using the Chase travel portal with both cash and my points, and the flight was cancelled ( reason not provided/identified in cancellation email sent to me ) and delayed for 12+ hours. As a result, the trip delay reimbursement insurance ( up to {$500.00} ) benefit provided by my Chase Sapphire preferred card was supposed to cover the costs associated with this inconvenience. So, I booked a hotel for the night and purchased food all which amounted to less than the {$500.00} maximum reimbursable amount making this claim an easy one to file. I went to the benefits website, filed my claim on XX/XX/XXXX for this delay, which occurred on XX/XX/XXXX, and this still as not been processed. I have called the claims line each month since ( sometimes 2-3X each month ), and have received different information each time telling me what is needed to file this claim. I have complained to Chase about my issues, and they noted that they use a third party for this service so there is not much they can do, which is not appropriate as they pay these individuals for a vendor service and remain responsible for the reputational risk on behalf of the bank itself. During this process over the last eight months, I uploaded various documents multiple times now, after doing so the first time, and no one can tell me why this information is still needed or what else might be needed. I have been promised that someone will contact me within a certain number of days ( never happens ), twice I was told my claim was closed ( including today ), one I was told the claim was filed too long ago so there is nothing they can do, etc. The inconsistency and miscommunication has caused this claim to be outstanding for a ridiculous amount of time and has caused me to not fully pay off my credit card bill each month in the off chance that I finally receive {$500.00} on my credit line that is very overdue. As a result, this also means that I am paying more in interest each month by carrying a balance so I do not have negative credit if I were to FINALLY receive what I deserve. Also, I have contacted Chase multiple times about the issues I am having and no one is able to assist me. I have talked to supervisors, elevated my complaint, even filed a dispute for the airline charge to see if someone can get me something back for this problem, and was told that also could not be done because the flight was purchased too long ago. At this point, I am not sure what else to do or who else to reach out to.