23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2016 I sent inquiry to Chase regarding corporate fees and cost accessed to my loan. On XX/XX/2016 I received a response that I was n't responsible for corporate fees accessed XX/XX/2016 and XX/XX/2016 that they are non recoverable. I am concerned as to why fees and cost are being accessed on my loans when it is current. These fees were from XX/XX/2006. I had a loan mod and successfully completed the mod remaining current since that date. Why was n't these fees removed or rolled into the loan at that time? Why are fees and cost still on the loan XX/XX/2016? And if they were not recoverable why are they on my payment history in XX/XX/2016 10 years later? They are in violation of RESPA ACT. I also request recorded documents and letter dated XX/XX/2016 indicate they were unable to locate assignment of mortgage to Washington Mutual and WAMU to Chase. If those documents are not available how was Chase able to began foreclosure proceedings on my loan prior to XX/XX/2006 without proper documentation. Chase was violating many acts. I am demanding all recording documents including my executed modification. Being advised to go to the court house to obtain these documents are unacceptable ask have been paying this bank thousands of dollars. If my recorded docs are not available then where is these docs stored and can they retrieve these docs from that location. 
I would appreciate a response within 30 days. 
XXXX
Product: Debt collection

Ive never heard of this company. Nor do I owe them or anyone else money. They never even contacted me they just placed this bogus debt on my credit report. No written documentation stating what this is or proof its mine! Company is singling me out & questioning my integrity. This company has not helped me in any way when contacted. This is not mine!
Product: Debt collection

In reviewing my credit report in late    XXXX   XXXX  ,  I saw a negative entry on my report from  XXXX  collection services. I sent a written letter to this company on    XXXX   XXXX   XXXX    asking for verification of this debt or a copy of my contract with this company. As of this date,  Franklin Collection  Services has yet to respond or provide proof.
Product: Vehicle loan or lease

Re- XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX 2017 XXXX XXXX XXXX XXXX XXXX XXXX I am having problems with my Auto Loan. 
Despite that I had in many occassions attempted to resolve this matter with XXXX XXXX XXXX, but of no avail. 

The main issues in question is that when I summit payments with additional principal. 
XXXX XXXX XXXX would not apply my funds to principal. Instead they would apply my additional principal as advanced deferred payments. This is wrong!
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Reference to Federal and North Carolina FCRA Identity Theft Laws Dear CAPITAL ONE, I am writing to address a significant concern regarding the unauthorized reporting of information to my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as North Carolina laws pertaining to identity theft and fraud.

It has come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, a fundamental requirement mandated by federal law under Section 1681b ( a ) ( 2 ) of the FCRA.

Furthermore, North Carolina FCRA identity theft laws explicitly emphasize the severity of unauthorized access and misuse of personal information. Any unauthorized reporting of information to my credit report violates my rights and constitutes a serious offense under both federal and state regulations.

I want to emphasize that I have not provided consent for CAPITAL ONE to report any information to my credit report. This lack of explicit permission is a clear violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws.

I demand that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and North Carolina FCRA identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those pertaining to identity theft and fraud.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and North Carolina laws. Compliance is non-negotiable, and I expect CAPITAL ONE to promptly rectify these violations, respecting my rights under federal and state laws. 

I anticipate your immediate attention to this matter and expect prompt resolution to ensure compliance with federal and North Carolina regulations protecting consumers from unauthorized and damaging credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Debt collection

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained and what information and see if it's legit. Please note that I don't a verification but a validation containing the information listed in the letter
Product: Debt collection

This debt is being reported as a car repossessed in my credit report when what actually happened was that this car was totaled by Hurricane Irma in XX/XX/2017, and the amount that was still to be paid on the loan was paid by progressive insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit because the creditor can not access my Equifax credit report and score. The creditors were able to obtain my XXXX  and XXXX files with no issue. I have contacted Equifax on several occasions over the phone to resolve this issue. I am in the midst of a home acquisition process, and the mortgage officer needs the 3 credit scores to proceed the home loan approval. So, TIME IS OF THE ESSENCE. 

This problem started in early XX/XX/2019 when I initially tried to pull my Equifax report from XXXX. The website asked me security questions totally unrelated to my credit history ( loans that I never had ), and afterward informed they were unable to access my file. So, I tried to pay and pull my credit file directly from Equifax website, with no success ( had the same identity verification issue ). So, I decided to call Equifax Global Customer Care ( XXXX ), which requested me to e-mail ( XXXX ) a cover letter with personal data, copy of DL and SSN in order to verify my identity, which I promptly did on XX/XX/2019, XX/XX/2019 and XX/XX/2019 and ( Case # XXXX, Case # XXXX, Case # XXXX ). 

A couple of days later after many back and forth e-mails and getting no response, I called the CSR back again, and I was advised that I should MAIL or FAX, and E-MAIL was not acceptable ( which made me wonder why the customer rep requested me to email the docs in first place ).

Again, I promptly did and faxed Equifax my DL, SSN and other personal data ( DOB, address, phone number ) on XX/XX/2019. Equifax mailed a confirmation letter # XXXX on XX/XX/2019 acknowledging the receipt of the cover letter and informing my credit file was updated with the information I provided. 
At that point, I thought the issue was resolved, but after a couple of weeks, I tried to pull the report with no success. For the 3rd time, I called the Global Customer Care on XX/XX/2019. The customer rep informed they received my cover letter, but my credit report was still unavailable (???? ), and to make things worse, the CSR requested me to mail AGAIN a cover letter! 

I did it again on XX/XX/2019. This time I attached several bills ( gas, electricity, water, internet, credit card, mobile ) with variations of my Last Name. I wonder if this issue is because as I have 3 last names ( FirstName Middle1 Middle2 Suffix ) and Equifax report only considers 1 last name ( FirstName Middle1 ), while XXXX  and XXXX  consider my all 3 last names.

So, I am being diligent and taking all types of actions on my side to resolve this issue as quick as possible. I am tired of sending them letters, personal documents and nothing seems to move.

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN fail to investigate items on my credit report
Product: Mortgage

2016 $ XXXX Fell behind on mortgage Loan modification requested Denied
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiry on my credit report, which I submitted on XX/XX/2024. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting this changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$1000.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$1000.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

My phone was stolen and a XXXX payment was sent to someone else acct without authorization from netspend
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request a formal investigation and verification of several late payment entries, the removal of outdated employment information, and an address update on my credit report with Equifax. My concerns include multiple entries across several accounts, specifically for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where reported late payment dates may not accurately reflect my payment history. I believe these entries contain potential inaccuracies that may violate the Fair Credit Reporting Act ( FCRA ). 

I am also requesting that Equifax remove any outdated or incorrect employment information and retain only my current address, XXXX XXXX XXXX, XXXX, TN XXXX, on my credit report to prevent misrepresentation of my location. Additionally, I am seeking transparency on the method of verification used for each disputed entry, in accordance with FCRA 611 ( a ) ( 7 ), to confirm compliance with reporting standards.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to address a critical issue regarding my recent disputes with your bureau. Despite filing 4 rounds of disputes and requesting thorough procedural investigations, inaccuracies remain on my credit report. My previous disputes were reportedly verified, but the following inaccuracies persist. After 4 rounds and asking for reinvestigation reporting this account, your investigations have failed to correct these inaccuracies, indicating that the investigations did not properly address or rectify the issues at hand. The continued presence of incorrect information on my credit report not only violates the Fair Credit Reporting Act but also demonstrates a lack of due diligence and fairness on your part.

Given these unresolved issues, I demand the following actions that this account is deleted and removed from my credit report immediately! 
The failure to accurately report and correct this information impacts my credit standing and financial stability. I expect prompt and accurate resolution to this matter and will consider further actions if these inaccuracies are not deleted and removed. 
Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. The credit bureaus have not did their job nor their due diligence. Theyre not being fair and theyre not being accurate in the reporting of my credit report. Heres the following inaccuracy that exists in this reporting and Im DEMANDING a DELETION of this account from my report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitation You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX. Account is repeating Charge off as if the debt is new and open 2. Reporting different payments date and missing payment dates Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX XXXX resident of XXXX, MN and here is my complaint : Personify Financial has been sending me numerous advertisements and pre-approval notices by postal mail for at least 6 to 8 months now. I have thrown them away each and every time. However, in XX/XX/2019 I thought to myself to give it a chance since I wanted to pay off some credit cards since the holidays are forthcoming. I submitted the application to personify financial under the impression that personify was the actual lender. After accepting the loan, I discovered through NMLS consumer access that Personify Financial is not the lender, but it is a debt buyer which means they are not regulated at the federal level. The lender was Applied Data Finance LLC who is not registered to do business in the state of Minnesota. Apparently this is how these so-called debt buyers get away with illegal interest rates. I have attached the documents below regarding the loan, and please give me a call directly at XXXX for more details, or you can also reach me by email at XXXX Please help me take action against these under-the-table-wrongdoers.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I travelled to XXXX, XXXX for business. On one night on XXXX XXXX I went to a restaurant and when I left I realized I had lost my wallet. I came back to the restaurant and found my wallet but XXXX individuals from the establishment stopped me and wanted me to pay more money but since I had already paid what I owed in cash I did not want to pay anything else. Forcefully, they put me in a room and would not let me leave. When I tried to run towards the door, they held me and XXXX. After approximately 2 hours they took me to another room and took my wallet from me. They ran my cards - XXXX of them went through and they would not let me go until I signed the vouchers. XXXX of the cards was a credit card from XXXX and the other XXXX was a debit card from Chase. After I signed the vouchers - trying to sign with differences to my true signature since I was not authorizing these charges - they released me and I left to my hotel in a taxi. At the hotel, still traumatized by the experience I call XXXX and Chase and reported my cards lost/stolen. I felt afraid being in a foreign country like XXXX where the news about corruption did not make me trust going to the police. I reported the incident to my supervisor upon my return home and I am fighting the credit card charge with XXXX - this was a corporate credit card. The XXXX investigation is still on-going and since I came back I wrote them a letter with the full story including the abuse from the merchants. The first Chase investigation concluded on XXXX XXXX and they stated the charges were correct. I called Chase and they told me the card used was authentic and made with chip technology transaction ( chip card and terminal ). I explained them over the phone the full story regarding the abuse I suffered and they re-opened the investigation. On XXXX XXXX they concluded the same as with the first investigation - that the card used was authentic and made with chip technology transaction. I called them and explained that since the beginning that has not been in question. What is in question is the unauthorized use of the debit card. Still they told me Chase could not do anything more and that I had to pursue other avenues outside of Chase. On XXXX XXXX I sent a letter to Chase asking for the documentation they used for their investigation including the documentation that will support that the merchant bypassed the use of PIN for my debit card.
Product: Credit card or prepaid card

I applied for a care credit account, and they approved me for XXXX dollars I never used it because of the pandemic know they I do not know who took the money out and they can not tell me who took it, I was supposed to use it for XXXX XXXXXXXX in XXXX. Can you please help me find out who took the money. Please and thank you. 

I can be reached at XXXX or XXXX SS # XXXX DOB XXXX