23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always been set up on automatic payment for my account but i have a late payment on my report with this one company. It is inaccurate. The company shows that the payment was on auto payment but that it was received late. I have tried disputing it with the company as well as thru the bureaus but it has not been removed. Please assist me in getting this removed any way that you can as it is hurting my credit score and it was not by any fault of my own. Thank you.
Product: Checking or savings account

My account was hacked with chime. My card was stolen and I lost around XXXX from my account. They denied my claim twice and when I got in contact again I was told my claim information wasnt even being reviewed they just denied it. I reached out to the business on XXXX about these issues I was having and they blocked me. At this point I feel as if I have been wronged to a point of needing 3rd parties I reached out to the XXXX  and they couldnt get any solution with the bank.
Product: Credit reporting or other personal consumer reports

I own a small business and applied for a business loan from Truist. 

They declined me. On a recorded call the XXXX XXXX indicated it was because of a chase card with delinquincies that they saw on XXXX. This XXXX card does not show up on any of my credit reports. 

I spoke with XXXX & XXXX neither have record of this credit card. 

It seems like they used information they did not disclose to deny my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. I do understand COVID has impacted the world but it seems as though I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Product: Debt collection

Subject : Complaint Against Collection Agency for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEMENT for multiple violations of my consumer rights under federal law. The collection agency has engaged in practices that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations by the Collection Agency : Failure to Provide Validation Information The collection agency has not provided the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection item on my consumer report. 
Denial of Dispute Opportunity I have not been given a chance to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means The collection agency has employed false, misleading, and deceptive means in the collection process, violating consumer protection laws. 
Unlawful Furnishing of Information The collection agency has no authority to furnish any account to consumer reporting agencies without first providing all required disclosures, in violation of : 12 CFR 1006.34 ( d ) 15 USC 1681-52 ( 7 ) ( A ) Requested Action : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action against the collection agency for these violations. Additionally, I ask that this collection item be removed from my consumer report until full compliance with all relevant laws is demonstrated. 

I have all relevant documents to support my claims and will cooperate fully with any investigation. 

Thank you for your attention to this serious matter. 

Sincerely, XX/XX/
Product: Mortgage

Mortgage was forged at closing. I reviewed the truth and lending document and realized that the truth and lending document was forged. It is not my signature. I checked with the law offices of XXXX XXXX XXXX to advise him of the same. However he was arrested and disbarred for mortgage fraud in NJ. I brought the same to the attention of XXXX and Wells fargo however WElls fargo said its not their problem. How can Wells fargo even consider me for a modification when the loan is bad at the root? I paid all points at closing and In the APR of the loan and interest should be the same or relatively in the same ball park. However its not. My loan needs to be reevaluated and rewritten in order to make it affordable for me as it should have ben this way in the beginning. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account. 

XXXX XXXX is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX as the account has been accommodated for by the IRS via a XXXX form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.
Product: Vehicle loan or lease

Chrysler Capital financed my auto Loan in XX/XX/2021 for approximately {$32000.00} and for 7 months has failed to secure the title for my vehicle. The car dealership has also failed for 7 months to secure the title or the tags. The XXXX dealer of XXXX nor Chrysler Capital has supplied the Delaware DMV with financial proof that the title was paid for and received within the 60-day legal guidelines nor was the DMV supplied with proof of payment for the registration fees and as a result will not issue me any more temporary tags. This has been being requested for 7 months and Chrysler capital is forcing me to pay my car payment of approximately {$780.00} per month for a vehicle they have no title to and one that I can not drive as a result of being unable to obtain my tags and registration. 

Each month I have had to pay for temporary tags and at times I have had to struggle to get the Delaware DMV to issue me more temporary tags. Multiple times I have being unable to drive my vehicle as a result of this. I have requested for several months that XXXX have their Dealer Relationship Manager, or the Dealer Control Team assist in this manner, with no results. Chrysler Capital has failed to utilize their resources to assist consumers with problems with dealers in which they finance with.

To assist me in this manner, I have also requested that Chrysler Capital put one or two payments on the back end so that I am not paying for a vehicle that to date, I can not legally register or drive through no fault of my own, but my request was denied. I have also requested that the XXXX dealer supply me with a loaner car while this is being resolved and that request was denied as well. 


Chrysler Capital is not holding their partnerships accountable and not being accountable for the things that they are legally required to do when financing a vehicle for customers. 
I have paid my car payment on time as agreed upon and am disappointed in how Chrysler Capital has handled and has continued to handle this matter. 

I have filed a complaint of Vehicle Fraud with The Pennsylvania Vehicle Fraud Department
Product: Debt collection

In XXXX of XXXX I mailed out debt validation letters to two separate companies that are showing in my credit report. XXXX and Rise both have a collection account on my credit report and have ignored my communications. Rise has mt address listed in a state I have never lived in and will not delete or show me any proof that this account belongs to me
Product: Vehicle loan or lease

I paid my car off early and i have my title already and it is still appearing on my credit report now appearing as late payments I tried to dispute it and it has came back as even later now I have all documents if you need me to send you copies thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX I attempted to place an order on the XXXX XXXX website using a payment card issued by Zip. There was a website error and though the card was initially authorized by the website, the order was never completed and the payment never actually posted to the credit card I used from Zip. I confirmed with the operators of the XXXX XXXX website that this order never went thru, and any pre-authorization should have been released within XXXX days from XX/XX/year>. I have informed Zip customer service of this, and provided screenshots of my correspondence with the website operator, however, Zip CSRs have refused to cancel the Zip order and refund the first payment I made toward the Zip order. I have waited the 13 days for a refund as stated in the Zip support article. This is not the first time I have had an issue obtaining a refund for an order from Zip. My Zip order # is XXXX
Product: Debt collection

My name is XXXX XXXX. I like to file a complaint against this collection agency for trying to collect a fraudulent debt that does not belong to me. This collection debt is listed on my credit report and this company continuously report this debt, even after I have filed a dispute with the credit bureaus about this. I have attached an Identity Theft Report with this complaint. I have never had or applied for service with XXXX with whom is listed by the collection company upon my credit report. I want this fraudulent collection removed from my credit report immediately. I am a litigious consumer. Under Federal Statue and specific remedies include : The Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), and 1692f ( 1 ) imposing liability on third party debt collectors and debt buyers for reporting false credit information and collecting amounts not agreed to by the consumer.
Product: Mortgage

This file has been in review for over 100 days, a complete packet was received/confirmed months ago. However, week after week underwriting requests documents they already have on file or clarification on thing that were already noted and provided. It is one thing after another and zero progress is being made.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> a collections account appeared on my credit report from FXXXX XXXX XXXX XXXX XXXX XXXX and being collected by Credit Management Company. 

- I have never been to the clinic in question, and or, any hospital in the past several years. 
- This company is a known scammer, it looks like they purchase SSNs and then file false collection accounts against them.
Product: Credit reporting or other personal consumer reports

This complaint to USAA SAVINGS BANK for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit card or prepaid card

We booked a vacation through XXXX XXXX for a vacation on XX/XX/XXXX. When we booked it the agent said that if the Covid-19 situation got worse we would be entitled to a refund. Before our vacation Gov XXXX initiated a travel restriction to the state of Nevada. Being high risk we could not risk our health as well as follow the 2 week mandatory quarantine. XXXX XXXX said they could issue a travel voucher but as far as a refund goes we would have to file a dispute with our credit card company. 

I filed a credit card dispute with Citizens Bank in XXXX for the amount of {$1400.00}. We were told that it was successful and we were credited {$1400.00}. In early XXXX we then received a letter stating that " a dispute form was sent to us on XX/XX/XXXX requesting specific details pertaining to our dispute '' and that the temporary credit was going to be reversed on XX/XX/XXXX. I immediately called XXXX XXXX  asking for an explanation of the form ( which we never received ). They said someone would contact me in the next 24 to 48 hours. I never received a call. I called again and was told I would be contacted within 24 to 48 hours. I never received a call. The third time I called I spoke with a supervisor and was promised that I would be called back. There was never a return call. I also made a 4th attempt but there was no return contact.

My 5th call was on XX/XX/XXXX and I spoke with XXXX ( confirmation number XXXX ) and she said the form was an affidavit that needed to be signed and that she would send another that would be received in 7 to 10 days. I patiently waited but no form was ever received. 

On XXXX I called ( 6th call ) and spoke with another supervisor named XXXX. XXXX could not provide me with any reasons why I was never contacted but gave me a case number of XXXX.
Product: Credit reporting or other personal consumer reports

I can not access my XXXX  account online they are not sending me the verification email to get into my account and they don't have the correct phone number to text me the verification code. 

I also can not access my experian account online as i keep getting an internal error message.
Product: Credit card or prepaid card

I applied online for a new Bank of America XXXX XXXX XXXX credit card on XX/XX/XXXX. The application was " pending '' until XX/XX/XXXX. On the morning of XX/XX/XXXX, I received a single call from Bank of America. I assumed this call was made due to the notation on my credit files requesting that any issuer contact me via cell phone before extending credit. I was not able to answer the call. Bank of America did not leave any voicemail confirming my assumption or to provide any information as to the reason for the call. I immediately called Bank of America to ask about the reason for their call and I was told the representative that attempted to reach me immediately declined the application for credit and that I would receive a letter stating the reasons for their denial. This representative stated they had neither the ability to connect me to the person or department that attempted to reach me nor did they have the ability to tell me the reason for denial over the phone. Bank of America did NOT provide me a letter stating the reasons for denial within 30 days. On XX/XX/XXXX, I called Bank of America to ask them to send the letter so that I could find out why I was denied. The letter arrived within two weeks time, further evidencing my suspicions that an original letter was never mailed to me. When I received the letter, my assumptions were confirmed that the call was to comply with the notice on my credit file and the letter directed me to call a specific number to verify my approval for the new credit within 30 days or my application would not be able to be processed. However, it was impossible for me to call within 30 days because BofA did not provide me the denial letter within 30 days as they are legally required to do. Now, if I still wish to open the credit card, BofA is requiring me to apply again, obtain another hard inquiry on my credit report, and hopefully not miss their singular call to verify my approval. This was both a horrible experience as well as a regulatory violation in my opinion.
Product: Credit reporting or other personal consumer reports

Opened XXXX XXXX, XXXX XXXX bank credit card balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$1200.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX balance {$1000.00} Opened XXXX XXXX, XXXX XXXX XXXXalance {$2200.00} XXXX XXXX. XXXX, XXXX XXXX XXXX balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXX XXXX XXXX  balance {$490.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX  balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXX Co XXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX  balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWD A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I WAS A VICTIM OF IDENITY THEFT. I FOUND NUMEROUS FRAUDLUENT CLOSED CREDIT CARD ACCOUNTS ON MY REPORTAND INCLUDING OPEN AUTO LOAN ACCOUNT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING MY CREDIT REPORT AND MY FEELINGS SINCE I AM PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT SOON AS POSIBLE. HERE IS THE INFORMATION FOR THOSE ACCOUNTS. XXXX CREDIT CARDS ACCOUNTS ARE CLOSED ACCOUNTS. XXXX XXXX ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/XXXX, BALANCE {$3900.00}. XXXX XXXX OPEN ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/XXXX, BALANCE {$16000.00}. THIS ONE IS XXXX XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX, ACCOUNT NUMBER XXXX. BALANCE {$17000.00}. THANK YOU IN ADVINCE.
Product: Credit card or prepaid card

I recently submitted a complaint ( complaint XXXX ) and received a response that the issue was resolved. It seems that the issue has not been resolved. 

I am unsure why I was given faulty information. 

Based on that information, I had made specific plans and was dismayed when I discovered that those plans would have to be canceled. 

After several subsequent conversations with American Express representatives, including a call back from a supervisor in the respective department handling this issue, I am no closer to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I want the account removed expeditiously.
Product: Debt collection

Despite my formal notification to the collection agency on  X/X/2016    that the charges assessed me by   XXXX   were fraudulent and the evidence I submitted indicating that the utility company actually owed me money because of the many  XXXX  and late fees erroneously assessed to me either by or because of the utility company over the course of my 14 years as a customer,  XXXX  failed to forward the charges back to the creditor -- as required by Federal Law -- and went ahead with reporting the debt to the collection agencies.
Product: Debt collection

Medical debt is not to be reported but yet this company keeps reporting different amounts ranging from XXXX dollar to XXXX dollars. Also I have exempted income.
Product: Student loan

I started paying my loans with AidVantage in XXXX of 2023, then applied for XXXX and the XXXX plan in that same month. Due to this, my loans were going to be transferred to a new servicer. The transition wasnt finalized until XXXX when my first payment with XXXX was due. 

During the time that my loans were being transferred, AidVantage continued to charge me through autopay, but had deactivated my account so I couldnt turn them off. I called them in early XXXX to have these turned off and to be refunded and the first person confirmed he saw the payments and a refund would be issued within XXXX weeks. I hadnt seen a refund, so I called again. The second person said it was being investigated, so they told me to call back. I called again and they said they couldnt find the payments in their system and said XXXX was responsible for the payments, but they werent even my servicer yet. 


I see on my bank statements that Aidvantage was the company to take it out each time. They did not apply my payments to my student loans either. This was around {$1000.00} worth of payments that I have not been able to get back and that Aidvantage just has.
Product: Credit card or prepaid card

A Hard Inquiry appeared on my credit report on XX/XX/2023. I called Synchrony Bank ( Phone number for XXXX ) about a XXXX XXXX XXXX that was opened in my name on XX/XX/2023. I was referred to the fraud department and the account was then closed due to fraudulently being opened in my name. Apparently, there were a few online purchases made on the new credit account that originated from XXXX XXXX according to the fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was put on notice that it is violating my consumer rights and federal law by reporting inaccurate, incomplete account information that is claims was re-investigated and verified. How? Clear factual inaccuracies and XXXX compliance violations are noted. The noted accounts are NOT reportable and an are act of willful noncompliance and questionable reporting, per the FCRA for which remedy should be sought pending the Experian 's next response. 
See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.