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

XXXX XXXXXXXX Opened XX/XX/XXXX {$900.00} XXXX XXXX XXXX. 
Opened XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX {$800.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} Unauthorized Inquiries XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) These address 's do not belong as well : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Please remove them My information XXXX have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law XXXX That, in itself, is fraud.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX  Original Creditor : XXXX  ) XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX I was email saying I owe {$310.00}, which was my monthly charge. That made sense. I used Nelnet 's " Pay By Account '' feature on their website which said I owed {$310.00} by XX/XX/XXXX or something near the end of the month. I paid that on XX/XX/XXXX, which processed just fine. Everything seemed fine. 

On XX/XX/XXXX I got an email saying my account were past due. I Immediately called Nelnet. Which I waited on hold for over 2 hours, seems wild that a student loan provider company cant have reasonable customer support. ( Check reddit, almost everyone has 1-2 hour wait times ). I then got a representative that did not know why my account showed past due and couldn't support me. I waited on hold for another half an hour for them to say my payments were allocated only to two of my loan groups. So now I dont owe money on those groups till XXXX and XXXX. Not only that, I checked XX/XX/XXXX ( was paying off some parent plus loans ), and it said I didnt owe any money till XX/XX/XXXX. They company wrongfully allocated my money, failed to tell me I owed money, and then charged late fees for a payment they screwed up. They are going to reallocate my payment to be on all groups, but im lucky I could afford to sit on a phone call for over 3 hours, not everyone can. 

This is completely unacceptable behavior for a company. They have a bug with their code where the " Pay by account '' feature and paying your monthly due payment, actually wont pay your account dues, and randomly allocate that money to only some groups. They then dont tell you that you have a payment soon, just so they can make extra money on late fees. This should company should be investigated and audited. This is the same company that in XXXX was found guilty of fraud, and now they are using these same tactics to exploit student loan borrowers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Guarantee Rate Branch Manager/VP of XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX NMLS ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and Guaranteed Rate to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX  ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested by phone my credit report from all XXXX reporting agencies. I first contacted them about 6 months ago and each bureau stated it would be in the mail. Nothing came. so XXXX weeks ago I contacted all XXXX reporting agencies again. They also told me again I would receive my report in XXXX to XXXX business days. Still no reports
Product: Credit reporting, credit repair services, or other personal consumer reports

A LEASE WAS EASTABLISHED WITH ACIMA DIGITAL FKA SIMP ON XXXX THE XXXX WAS PAID IN FULL AND IS NOT NEGATIVE. XXXX IS THE ONLY REPORTING AGENCY ACTIVELY REPORTING THE ACCOUNT.
Product: Prepaid card

This complaint is for re-open the  Case nu mber :  XXXX .   It 's more th an three  months now. I still did n't receive my  XXXX  repaid card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is preventing me from removing a security freeze from my credit report by any method bu t US mail. Aside from taking many days for US mail to work I am extremely worried about putting all of my personal information into just a ty ped piece of paper that would make it very easy to steal my identity. Both  XXXX  and  XXXX  make it simple to remove the freeze online or by telephone but Equifax is making it very difficult to deal with my security freeze. I have no choice on which bureau credit checks go through therefore I 'm at the mercy of Equifax. I feel as if I 'm being punished for using a credit freeze with Equifax.
Product: Debt collection

XX/XX/XXXX - I received a phone call from a lady stating that they were trying to serve me court documents. I asked for what? She said some company filed a judgment against me but couldn't provide any information. She gave me a claim number and a phone number. I called and spoke to someone named XXXX. She stated Santander filed a judgement against me. I explained to her that can't be true because the debt is really old, from XXXX. Also, it was sold to another company and discharged in a bankruptcy. She stated for to review my bankruptcy discharge and give her call back. I did, she then stated, I have to take the items to court, I can't send her anything. However, she did say I can pay her restitution. Which is strange, I've never heard of that involving a debt. She stated that Santander tried contacting me to no avail. I said that's a BLATANT lie. I asked for her to explain how she can collect on a debt that was discharged. She transferred me to someone else, I don't remember his name. Very rude. He lied and said the debt is still showing that I owe Santander. I explained, I check my credit regularly and that's not true. He stated because the debt was removed in XXXX but I still owe. I couldn't get him to explain how the debt was sold to XXXX XXXX and then discharged, now being sold again to XXXX XXXX XXXX. He couldn't answer and stated he doesn't know what else to tell me. I disconnected the call. I googled and found that this company is notorious for predatory practices. I called back again and the same guy answered. I asked gor the company 's name and address. He asked who I was and I told him, he gave me the name but refused to give me an address. He proceeded to tell me that he can no longer review my file and that he transferred it over and he hung up. These people have my personal information and are trying to use scare tactics to force me into paying a debt that I don't owe. The phone XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting a block on the false reporting of a late payment on my account under 15 USC 1681c-2 ( a ) due to violations in disclosure requirements and false documentation. Per 15 USC 1637 ( b ), I am entitled to receive specific disclosures mailed or delivered at least 21 days prior to any payment due date. According to 15 USC 1666b, without these disclosures, there is no legal basis for a late payment. Since I did not receive these disclosures, any reported late payment is unsupported, making it a false entry. Under 18 USC 1001 ( a ) ( 3 ), knowingly submitting or maintaining false information is prohibited. Reporting a late payment without compliance with disclosure laws constitutes a materially false entry. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an email from Chime ( XXXX XXXX XXXX ) stating that my account was to close on the same day as the letter. Within minutes i was locked out of the banks app while trying to transfer my balances. No reason was given for the account closure. When trying to contact the bank via telephone, the automatic system recognized my phone number and instructed me to reach out through email to their support department, and disconnected the call. Upon emailing them, I received a generic generated response from a supposed 24/7 live support center. I tried using my card to make a payment, also tried using just my account and routing numbers from chime, and everything is declined. They are holding my money ( almost {$6000.00}!!! ), and none of the correspondences stated how they planned to return it to me, only that i should cancel any future deposits to avoid delays in receiving the deposited funds. I had a SECURED credit account with them, containing {$420.00} ; and a checking account containing {$5300.00} at the time they closed it. This contained monies is my rent, gas money for work, food money, and payback money to the Small Business Association for a PPP loan! Please help me! My rent is due on the first, amongst other interest-accruing accounts which will now be late, and for no reason at all!
Product: Debt collection

CKS Prime Investments LLC/ CKS XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.
Product: Credit card

Capital One Card reports my XXXX score as XXXX, but the actual posted score reads XXXX.
Product: Mortgage

Civil conspiracy in the ILLEGAL FORECLOSURE PROCEEDINGS against our home -- AUCTION SALE XXXX XXXX, XXXX. PLEASE HELP! 
QUALITY LOAN SERVICE CORPORATION.. 
1. Issues a Trustee Sale postponement Notice with Trustee Sale # that is ambiguous. 
2. Internet Listing shows XXXX..yet Quality 's information is surreptitiously imbedded within the XXXX listing provided by XXXX. 
3. Aware that Alleged Account with XXXX is NON-existent. Reason it blacks out this information from its copy of Note allonge in XXXX XXXX. 
4. Collection attempts with Fake trustee Sale # in XXXX, harassment and threats of sale even without a Notice of Default on Record. 
5. Subject to Mail Fraud by its " correspondence using XXXX letterhead '' but mailed from its XXXX XXXX headquarters. 
6. False Claim as a trustee in XXXX in its foreclosure attempts with no proof. Substitution Trustee recorded later in XXXX - also no proof, evidence of robosigning, CA XXXX XXXX XXXX. XXXX XXXX. 
7. Fails Debt Validation requirements. Subject to Collateral Estoppel. Ignores cease and desist Notice pending resolution of alleged debt. 
8. Reasons " it is the trustee '' -- and has no responsibility for Debt Validation. 
9. Reasons the Court will resolve XXXX complaint herewith ... YET -- it files a non-monetary status.. '' excusing itself from an Answer and further participation in the lawsuit.. '' 10. Continues its deceptive tactic of internet postings " Listing Provided by XXXX '' on XXXX ... but its information is surreptitiously imbedded within the page. 
This internet listing continues to attract " buyers unawares '' with the upcoming foreclosure auction sale XXXX XXXX, XXXX. 
Please find attached Complaint details, in parallel with Complaint filed against XXXX XXXX XXXX, XXXX, CFPB Case number XXXX. Also please reference CFPB case file XXXX lodged XXXX XXXX, XXXX -- before Quality " wilfully and deceitfully '' records the Notice of Default XXXX XXXX, XXXX -- for a DISPUTED Debt. 

Thank you for your urgent investigation and appropriation of enforcement action.
Product: Checking or savings account

I am the owner of a cash / investment account # XXXX at XXXX XXXX XXXX have been for over 10 years. Six weeks ago I was erroneously advised that I could not transfer from or to this account from any of my other accounts. After the restriction was removed I am still unable to transfer to or from this account to my other accounts on line as I was before the restricting was applied, as XXXX  advertises you can & evidently as all their clients can. XXXX XXXX, my Premium Elite Relationship Manager, has been telling me for six weeks he is  working the problem but obviously he is getting nowhere and there is no indication he has made or is making any progress.
Product: Credit card or prepaid card

I wanted to LOWER my credit card LIMIT on my Chase Southwest account to {$500.00}. I called Chase & was told this is possible but I would need to pay off the existing balance first as it was over {$500.00}. Once the payment posted, I would need to call back to LOWER the LIMIT. So I called back XXXX XXXX, 2017 & spoke with a supervisor. She assured me the LIMIT would be lowered. I called back around XX/XX/XXXX to check to make sure the LIMIT was set for {$500.00}. I was told it was. Next, I get a bill for {$1100.00}. I called Chase & asked how this is possible since I LOWERED the LIMIT. I was told I have an access line - so to prevent embarrassment they do not decline transactions. So what was the point of jumping through all the hoops to lower the limit if they are n't / do n't honor it? Not one employee or supervisor mentioned anything about being able to go over the so-called limit & there is no limit to the limit! I was told they are not obligated to tell me this. I was told if I want to increase the  limit I would need to re-apply- what is the point? I have since closed the account but wanted to bring this to your attention as I find the practices used by Chase as despicable. The charges are mine & I paid them but the point is I was expecting a bill for {$500.00} not over double.
Product: Checking or savings account

I opened my Chase XXXX Checking and Savings accounts on XX/XX/23 via a {$900.00} bonus offer email from Chase. The email ( attached ) clearly stated that " Coupon code applied when you click 'Open both account ' '' button in the email to open the accounts. 

The terms said I should have received the {$300.00} portion of the promotional bonus 15 days after having a direct deposit into my checking account -- but it had been over a month and the bonus had not posted. 

I contacted Chase via secure message on XX/XX/23 to ask for help having the bonus credited and verify that the remaining parts of the offer ( {$200.00} for opening the savings + {$400.00} for doing both checking and savings offers ) were properly attached to my account. 

I received a reply via secure message from Chase on XX/XX/23 stating that : " a promotional offer wasn't applied to your accounts. We're unable to add a coupon code for the promotion. The account is no longer eligible for this offer since it has been open for more than 21 days. '' I responded to Chase via secure message on XX/XX/23 explaining that I had clicked the button in the email that said the coupon code would be applied when opening my checking and savings accounts. I asked for the bonus to be manually applied to my account. 

I received a reply via secure message from Chase on XX/XX/23 refusing to add the coupon code and rudely stating : " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, XXXX, Equifax. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.