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

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX  {$250.00} Account name : XXXX XXXX XXXX {$500.00} Account name : XXXX XXXX XXXX {$9800.00} Account name : XXXX XXXX  Account # XXXX {$2100.00} Account name : XXXX XXXX Account # XXXX {$180.00} Account name : XXXX  XXXX Account # XXXX {$320.00} Account name : XXXX XXXX Account # XXXX {$520.00} Account name : XXXX Account # XXXX {$270.00} Account name : XXXX XXXX Account # XXXX {$250.00} Account name : XXXX Account # XXXX {$180.00} Account name : XXXX XXXX XXXX XXXX Account # XXXX {$1500.00}
Product: Credit card or prepaid card

I did have an account with XXXX XXXX Credit card company on 2004 last time, I went in to hard financial times and I was not able to pay I believe was {$200.00}, now around 15 years later they are trying to collect {$1400.00}. According to a website ( https : XXXX ) they can not try to collect my debt after 4 years, in the last two years they have ceased ( frozen ) my bank account three times, by getting a judgment, so my question is ; do they have the right to do this after all this time? the case number is XXXX, and the issuing county is in XXXX XXXX CA. XXXX XXXX. thank you
Product: Payday loan, title loan, or personal loan

I was offered a loan by Prosper with a low APR, had a hard inquiry on my report generated ... and I was denied a loan before I was able to upload supporting documents, all within 2 hours - online. I believe the lead generation practices of Prosper.com are misleading and result in damaging the credit worthiness of prospective customers. The adverse action emails generated by Prosper.com are intentionally meaningless and not indicative of what information was used to deny the application. 

On the website XXXX, I was offered a 'pre-approved ' loan product from Prosper.com at a lower rate than several of my credit cards. This looked like a good deal for a debt consolidation loan. I applied for a loan from Prosper through the XXXX website at the amount and rate indicated on the CreditKarma site. While I was uploading documents to verify my identity and income to Prosper, my loan application was denied. The email I received stated : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' Just before receiving this information, I got an email indicating that : " Congratulations, your application for a {$25000.00} loan at X.XX %  APR is almost done! But, first we need your help providing a bit more information '' I had not had time to upload documents before the application was denied. The documents I would have uploaded would have demonstrated significant income and assets. 

The application resulted in hard inquiry to my credit that will have an adverse effect on my credit. The company ( Prosper ) indicated it was impossible to remove this inquiry.

The adverse action letter I received from Prosper did not provide any meaningful information and the representative I talked to from Prosper indicated that because they do not want to expose any information about their proprietary risk model Prosper makes their adverse action letters as generic and meaningless as possible.
Product: Credit card or prepaid card

Dates and amounts are included with the uploaded documents. 

I have made multiple attempts to resolve this with XXXX XXXX and the property. XXXX XXXX corporate will do nothing, saying it must be adjusted by the property. 

All attempts to deal with the property have been unsuccessful. When I call them, they say they will have the property owner call me back to resolve but I never receive a call.
Product: Credit card or prepaid card

Re : Case # XXXX ( which also see ) Chase has not responded appropriately to this complaint of the erroneous charge to XXXX XXXX for a gift card : 1. ) In my initial disputed charge report by telephone to Chase I was told to contact XXXX XXXX to have the {$24.00} charge reversed. I explained that I had no contact or relationship with XXXX XXXX and that therefore they would have no information about me or basis on which to reverse the charge ; that the error was made by XXXX who would have to reverse the charge, whom I had contacted and whom had not responded, and whom Chase would have to therefore contact for the dispute. 
Nonetheless, I did contact XXXX XXXX, who, as I had said would be the case, had no information about me or my CreditCard and therefore had no way to be able to reverse the charge. 
2. ) Chase sent for me to fill out a form which is irrelevant to the billing error which was made ( as explained to you in the Case # XXXX and above ) and therefore the form is useless for the disputed discription. 
3. ) A representive from the Chase exectutive office, XXXX XXXX ( XXXX ) XXXX XXXX left a message on my ( unlisted, private ) phone on Monday, XX/XX/2018 requesting I return her call. I have subsequently called back leaving a message for XXXX XXXX XXXX times and to date, Saturday, XX/XX/XXXX, XXXX XXXX has not returned my call. 
4. ) I have spend a great deal of time trying to resolve what should have been a simple matter. The bureaucratic run around by Chase has prevented a timely resolution, to wit : That Chase would not follow up in an appropriate way after I fully explained the situation, that Chase continues to deal with the matter in an ineffective if not just plainly incompetent manner, and most of all, XXXX XXXX 's not following up with any resolution and flagrant discourtesy in not returning my calls to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX 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 Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$21000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, In accordance with Fair Credit Reporting act XXXX  account # XXXX has violated my right 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 instruction.I sent a letter to XXXX, XXXX, Transunion, on XXXX its been well over 30 days i still have not received anything back according to 15 USC 1681 ( a ) (! ) ( A ) XXXX, Transunion and XXXX have 30 days to respond to my dispute This is a violation of my right. According to 15 USC 1681. I have the right to privacy and i did not give XXXX, Transunion, XXXX written permission to furnish these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This Consumer Note 3rd official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXXXXXX XXXX XXXX compliance since, per XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed the above listed items on my credit file and noticed that they are not even XXXX XXXX COMPLIANT WITH THE STANDARDS FOR FURNISHING DATE TO A CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been charged off. However, I did not authorize this company to report this this information on my credit report.

According to 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. 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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.
Product: Credit reporting or other personal consumer reports

The List of inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following inquiries on my reports are unauthorized and not mine, : THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 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: Vehicle loan or lease

Originally, I was 2 months behind with my car payments. I called the lender to make arrangements to pay 1 month 's payment on XXXX XXXX and then the next month that I was behind on XXXX XXXX. The lender agreed, said no problem. I made the payment on XXXX XXXX of {$450.00} which was 1 payment. As of XXXX XXXX, the lender filed repossession and my car was removed on XXXX XXXX, even after telling me I was not in danger of repossession as long as I made the 2nd payment on XXXX XXXX. When I called to discuss the previous arrangement to pay the remaining payment on XXXX XXXX, they did not respond to that question and instead asked me if I wanted to begin the process to get my car back. In response to that, I asked how much I would need to pay to get the car back. They advised they would not tell me until I began the process to get it back ( I did n't know if I could get it back so I needed to know the cost first ). Next I asked how to get my personal belongings out of the vehicle and was then advised that I would need to pay to get the vehicle back. The lady was very unprofessional and was cursing at me over the phone. At this point, I feel as though I do not want the vehicle back because they will come repossess at any time even if I do make arrangements. I do still need my personal property from the vehicle ( XXXX XXXX in overhead compartment ) and would like to see a copy of my loan history notes.
Product: Debt collection

XXXX XXXX XXXX keeps reporting the wrong about and ruining my credit even thought the debt is under my bankruptcy. My attorney has tried to reach them. I have sent the paperwork over and they refuse to remove the debt even though its illegal
Product: Credit card

Synchrony Bank continues to lower my credit limits. They started doing this when I was going through issues with my mortgage lender. I have no late payments on any of my cards with them or any of my other credit cards. Now that my issue with my mortgage lender is resolved I also have no late payments with my mortgage lender. Despite this, my credit is ruined because I have multiple cards with Synchrony. Each card systematically gets reduced to the nearest {$100.00} increment above the current balance which makes the card maxed out. Even if I make a large payment, they lower the limit to just above the current balance and cite balance to available credit proportion as the reason. The reason that they created by lowering my limits!
Product: Credit card

After ( at least ) over a year of consistent, on time, payments to Citi Cards for my credit card, I was assessed as being two days late on my credit card payment XX/XX/XXXX. I have been charged {$27.00} for a late fee. I requested a waiver of the late fee, which Citi Cards has refused to grant. This seems highly unfair - other companies are willing to waive a late fee in situations where the customer has been consistent in making payments. I would like Citi Cards to waive the fee.
Product: Mortgage

We bought our home XX/XX/XXXX. We got approved through Axos Bank, they currently hold the mortgage. Everything was going smoothly up until XXXX of this year XXXX. We were paying the payments over the phone on the Banks automated phone which gave no confirmation number just said payment was accepted. Now in the second week of XXXX we received a default letter stating we did not make our XXXX payment. We then had to send in double payments for XXXX and XXXX which caught us up, the error was Axos Banks error. We thought that the problem was resolved because Axos bank stated that they were having computer issues. From this time on we stopped using the phone and found the internet site to make payments and since we have been receiving confirmation numbers. We have been trying to talk with Axos bank and resolve this but every time we explain where the error started to make it easy for them to correct we get told we will be contacted within XXXX to XXXX hours on this issue and no one ever calls back. We did not realize that from XX/XX/XXXX until now they were putting our monthly mortgage payment as a partial when inturn we have always been making the full payment. Every month they meaning Axos Bank keep sending us default letters and added charges up now over XXXX dollars. A few months back we received a check for XXXX as a rebate from the escrow which makes no sense to us. Our bank records show all of our payments have been current since we first started the mortgage. We get paid the fourth Wednesday of every month as we are retired. Axos bank on the fourth Wednesday of every month gets paid for the next month when the payments are due on the first of every month. The mortgage is paid any where from four to seven days early. We have never missed a payment. We found online a few weeks ago an email address for Axos bank and we emailed them and we were told in email that a lending manager would contact us and noone ever did. They also meaning Axos bank hit our credit which was very good before this now they show on the credit report we are behind a month and the credit went down XXXX  points. We have zero credit cards and we are down to 2 payments remaining on a 6 year car loan and have never missed a payment. This problem all started with Axos banks payment error. They will not correct. Weve contacted them every month when we get the default letter, we even give them the date and month of there error to make it easier for them to correct. Our bank records are our proof of payment every month. This has put an awful strain on us considering we took the loan in the heart of Covid 19 when the country was shut down and noone was working. All we are asking for is this issue to corrected and our credit restored. We can provide all bank statements from when we first started the mortgage to present.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX in clear violation of fora places a collection account on my Experian report falsely stating an account with XXXX is in collection. 
I have never had a credit account with XXXX, upon further investigation I discovered that XXXX XXXX is falsely claiming credit for a returned purchase to XXXX. 
I disputed said account with Experian and it was deleted in XXXX. 
On XX/XX/XXXX in another clear violation with fcra laws XXXX places same said account under collections with Experian by falsifying account number and dates. 
Experian in violation fcra law that requires 5 day notification before said account is listed and without information to confirm said debt, placed derogatory information on my credit report to my detriment again after it was deleted in XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Using Dovenmehule Mortgage Company : XXXX XXXX. I started an initial loan remodification ( FLEX modification ) in XX/XX/XXXX. 
2. I was told by the company to make 3 payments of the monthly amount and it would be completed. 
3. I followed up in XX/XX/XXXX, and was informed the remodification never started. 
4. They started the re-modification again. I was approved and had 3 trial monthly payments. On the last payment, the representative asked me to pay the approved trial amount NOT the current monthly amount ( short by less than {$100.00} ) and the remodifications was declined from their rep 's inaccuracy. I gave the date and time of call to the Loan Remodification officer I was working with, XXXX XXXX. She informed me she listed to the call. 
5. With the help of XXXX XXXX XXXX  who offers this company as a loan for mortgages, senior XXXX XXXX XXXX, wrote to them because I was being sent foreclosure letters. 
6. I applied for HAF assistance and uploaded proof of mortgage arrears. 
7. The loan modification was approved on XX/XX/XXXX with the condition that I mail in affidavits of identify, interest rate of 3 % and it's XX/XX/XXXX. They say it's effective and approved but have not yet mailed me or the other loan borrower any documents to sign notarize and mail back. 

I need the remodification papers mailed to me : XXXX XXXX XXXX, XXXX NY XXXX My Name : XXXX XXXX My # : XXXX My Email : XXXX My Loan : XXXX XXXX Contact : XXXX XXXX : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}
Product: Consumer Loan

My ex-wife and I divorced XX/XX/XXXX I was court ordered to gave my ex XXXX the vehicle, I was ordered to sign the car over to her, with the court order she was to pay the loan, after 5 years of not paying, now the loan company is going after me to pay loan, In the last years, I 've not heard a word from the loan company about any of this, the loan company did not repo the vehicle, she still has the vehicle to my understanding, XX/XX/XXXX when I received my pay check, the loan company garnished my wages without me knowing, I received nothing in mail or a certified letter stating they were doing this,
Product: Credit card or prepaid card

I received an email, XXXX XX/XX/2021, apparently from my Chase credit card, about a promotion offering a reward for use of the tap payment method. Please see attached copy of email. Within the next month, I used this payment method the allowed XXXX times. The promised bonus never appeared on my credit card statements. When I called Chase to ask about this, they claimed that there was no record of them having sent this email or offered this promotion. When I offered to send them a copy of the email as proof, they said they were not able to accept such emails. Thus, they refused to honor the promotion. 

If this actually was not their email, I deduced that there might be a third party engaged in phishing, and that this third party had accessed my Chase credit card account information. So I emailed the copy of the promotion email to the Chase phishing report email, but they never responded. 

The reward lost was only {$10.00}, and was not money that I had in the first place. But it will be difficult for me to have any confidence in Chase in the future.