23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

someone from chase CFPB complaint resolutions department called me and imediately started Lying to me by tell me it's against federal law for her to call me at the number i listed in the CFPB complaint. she states that federal prohibits her from calling me on the number listed in my complaint. she also stated that they will resolve this complaint without actually talking to me. Perhaps you could start an investigation into why they won't call me on the number listed on my complaint. Perhaps you can explain to them that people change phone numbers and that i do not wish to be called on my work number for a complaint on my personal account with chase. Also how are they going to resolve a complaint without actually speaking to me. Guess I'll have to close my savings account with XXXX in it and switch to a different bank that knows how to read and follow simple directions. also please inform them that i do not wish to have my checking account updated to an account that has a {$12.00} a month fee and am in fact complaining about a {$6.00} fee they added to my no fee checking account and the fact that they lied about the amount of interest they would pay if i me if i had a checking account and opened a savings account with more then XXXX.
Product: Checking or savings account

I disputed a charge with the merchant first and then called XXXX if her customer service and was told that I need to talk to the merchant they didn't handle that and the XXXX said they never charged my account but XXXX said yes it is and I've never been able to get my money back no matter what I do I have money already in my account they kept that money off so besides taking the {$49.00} out there was charged to my account by some merchant I never met it's off in XXXX I'm disappointed and and the sad with the day I tried everything to get my money back some picture of my photo ID everything was good that I've been required to do my account was closed for after 4 hours after making a deposit it's XXXX in the morning after I talk to them and they told me that there was no problems in my account cuz I had him order me a new card and they close my account because of that cuz I disputed one charge I would never trust him again and never been able to give my money back it's been over a year and I'm just finally complaining about them hopefully this helps completely frustrated can't believe I'm out that kind of money and I'm just born and everything was {$500.00} in my account recoup from I think an extremely sorry that somebody told me my account some good order it's good standing order me a card as soon as I make a deposit close my account I've never been able to get my money back I need some help on this a telephone number is XXXX XXXX XXXX you bye
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year> ACCOUNTS and INQUIRIES Letters As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose, and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of it do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

A salesperson told me I should apply for an account. He did not provide e with any information and I was mislead. I did not mean to apply for a hard inquiry credit card. I did not mean to authorize an inquiry on my credit report on Monday, XXXX XXXX. Please, help me by removing it. I did not know what I was applying for. The bank is Synchrony Bank and I have notified them. I am XXXX and feel I was taken advantage of by the salesperson.
Product: Debt collection

To Whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following Information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof of an original consumer contact with my signature on it that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

LVNV Funding LLC XXXX Delete these items immediately
Product: Credit reporting or other personal consumer reports

This company is violating Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$4400.00} XXXX disputed this collection account through Experian, XXXX and XXXX on XX/XX/year> and the results were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. they failed to provide purchase agreements/ required documentation to report on my credit. I reached out to this company and they advised me that they do not have the original purchase contract with my signature to their company. I do not give this company permission to report on my credit.
Product: Debt collection

Re : Kohls Dept. Store. I made a small purchase of {$100.00} on a Kohls credit card. I paid off the balance on the first XXXX bills received, but the payments were late -- I believe that the bills came late. 

Kohls has been piling on exorbitant late fees since then, now well over {$100.00}, and further : they have been calling me **at XXXX literally every Saturday** for a couple of months, and now on Sundays as well, even though I 've told them on the phone to stop. This is harassment and a grossly excessive tactic, given the small amount in dispute. These are " live '' calls -- I also get XXXX calls daily on weekdays which I believe are robocalls. 

I charged {$100.00} at their store -- it does n't entitle them to ruin my sleep indefinitely. I will be sending them a letter asking them to stop the calls, but the very fact that they do this deserves notice and a complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts that have been disputed are the following ; XXXX XXXX XXXX  date listed XX/XX/year> & XX/XX/year>, XXXX XXXX XXXX  date listed XX/XX/year> and several others in the attachments below
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts appear on my credit report this morning, with no explanation at all. I always check my credit report, but today there were mistakes Ive never seen before. I refreshed my browser, thinking it might be a technical issue, but the errors remained. This situation is extremely frustrating, and Im asking that my documents be reviewed properly so I can feel secure that this will never be a problem for me again.
Product: Debt collection

I have been receiving letters as a result of legal action taken by Midland Funding LLC. Most recently, I received a letter this month about a attempt to collect debts that are beyond the statute of limitations. I received a letter in this month of XXXXXXXX XXXX  XXXX. These debts originate from a XXXX Credit Card account that has been inactive since XXXX. XXXX bought the debt a few years later. However, I did my research into this matter and found that XXXX account to be outside the statute of limitations for collection. Four years ago I sent documentation proving this to the major credit agencies, XXXX, XXXX and XXXX. They were in relatively a short time processed, and all of those debts are removed from my credit report. Therefore, I do not see how Midland Funding LLC has the authority to collect on a debt that no longer exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union had a case against them regarding their violations, and they continue to fraud people and violate the federal and state laws. As well as XXXX. 

Proof : https : //www.consumerfinance.gov/XXXX
Product: Debt collection

I've received an alert on my credit report yesterday that there is a collection account that is unpaid. I IMMEDIATELY contacted the collection companyWAYPOINT RESOURCE GROUP. They advised me of {$260.00} debt that is unpaid from XXXX XXXX. I advised them I've never received any notification from them advising me of the debt. I've never had any accounts with the creditor. Ive never reside at the address that they provided me. I'm requesting for some help, If i was noticed in writing, I would of been able to challenge them and write them. This just appeared on my credit yesterday and this is unethical and wrong, I'm asking for this to be removed from my credit and please send me notification.There trying collect a debt that's not mine and never sent me anything in writing. Why is it allowed for anyone to just put something on your credit? The consumer has to now fight to get something removed that's not theirs.
Product: Mortgage

I had a guest ion regular ding my foreberrance with Mr Cooper, I was told that I had to submit my guestions in writing and that they had 30 days to respond. I submitted my questions in writing on XX/XX/XXXX and I still have not gotten a response.
Product: Credit reporting

I logged into credit XXXX to get my free credit score and when I did I discovered that there are debts on there that are not mine are that is already paid so I called Equifax they would n't help me they tried to charge me to answer my questions I tried to log into their site I could n't log in because there were questions on there that I could n't answer about a home loan and a car loan that I have never had I 've never bought a car or house also they say I have opening credit cards and Retail credit cards and I do not they say I have a {$23000.00} debt from the hospital which should have been paid by Georgia Medicaid which I was covered under at the time what do I need to do about my credit report I can not get any help anywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company called XXXX XXXX. I have reached out to the bank and they verified that I have not made any late payments or settled for anything that experian should be reporting under a negative area that should be keeping me in a negative area and effecting my life. Experian is guilty and has a history of being difficult and dishonest
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of ED/ XXXX XXXX XXXX Account Name : XXXX XXXX XXXX .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.
Product: Credit card

When I changed Chase credit payment ( always in full ) from monthly check to automatic bank withdrawal, Chase changed autopay settings from full payment to minimum payment. Although I was advised in writing in the consumer advice accompanying the card that this change is automatic, I never read it -- my fault not to read the voluminous fine print. Interest charges accumulated for a few days until I realized this had happened, changed payment details to full payment and persuaded Chase to refund the interest ( {$190.00} ) which they did. So far so good. But Chase reckoned somehow that there was a residual in the second month and, despite having been paid in full on time, Chase assessed a second interest charge ( {$140.00} ) on XX/XX/2016. This charge did not appear on a statement until XX/XX/XXXX and I did not notice it until XX/XX/XXXX. My argument to 2 different supervisors that, having refunded the first payment Chase should also refund the second, was rejected because they claim the 90-day interval ( XX/XX/XXXX from assessment to XX/XX/XXXX ) had elapsed. I claim that the interval should begin on XX/XX/XXXX when I was first notified, unsuspecting that there would be any late charges because all payments after XX/XX/XXXX were made in full on time. Chase expressed sympathy and I believe would have refunded but for the way they calculated 90 days. They refused refused to reconsider, we did not reach agreement and we left the matter unresolved, except they have the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX OpenedXX/XX/XXXXXXXX, XXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Product: Debt collection

I checked my credit report and see where there has been 8 separate Collections/Chargeoff which has negatively impacted my credit score. The dates and amounts are as follows : XX/XX/21 - {$4000.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} To the best of my knowledge, I have not received any communication from RMP Services LLC regarding these collections.
Product: Vehicle loan or lease

Purchased car w financing through car mat car caught fire while sitting without anyone near it or in it within the first 48 hours. Car mart exchanged car taking responsibility for fire. They did not replace my items or assist me with medical from me burning hand while putting out fire. They put me another car that lasted less than 4 days due to it over heating XXXX Down I believe. I had to cover the towe of car back to the facility. From there they gave me the run around for two months and lied to my insurance about be not being compliant. They refused to tell me where my car was and they put me down as non payment and repossession now sits on my credit. Car mart stole car
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX # XXXX {$1000.00}, XXXX # XXXX {$14000.00}. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may  request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 inaccurate information and unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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 are 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 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 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  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

XXXX XXXXXXXX XXXX posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am XXXX and my birth certificate is from XXXX XXXX XXXX XXXX Social office will state from XXXX.