23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed several unauthorized inquiries being reported on my Equifax credit report on XXXX XXXX 2015. The response received from Equifax on the very same day XXXX, XXXX 2015 was " Inquiries are a factual record of file access ''. No investigation with the source was even attempted regarding the unauthorized inquires. 

Equifax must reinvestigate ANY dispute under XXXX ( a ) ( XXXX ) ( A ) : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXXi ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

After reviewing my credit reports from all three credit bureaus, XXXX, XXXX, and XXXX ... This collection account from AMERICOLLECT for the balance of {$450.00} was placed on my credit reports, and is reported twice on each of my credit reports without my authorization. I requested through certified mail to AMERICOLLECT copies of documentation that were used to verify the accuracy of these accounts. Under the Fair Credit Reporting Act 15 U.S.C. I have all the rights for this agency to disclose to me all the documentation that was recorded and retained in the files. I have not received no answer or anything in writing. I have been receiving harassing phone calls daily threatening to damage my reputation and credit worthiness, with these unverified accounts and distributing them to 3rd parties. These inquires add a hardship, and violates my legal rights and protections. Please help assist me with allowing this collection agency to stop victimizing me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$690.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$1100.00} Terms - On record until XXXX XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX XXXX CO CO CO XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX CO CO CO Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX.
Product: Mortgage

McCalla Raymer Liebert, LLC is attempting to collect debt that XXXX XXXX XXXX has never validated via documentary evidence ( 15 USC 44 ), per my request on XX/XX/XXXX, which violates 15 USC 1692G and discriminates against consumer rights. XXXX XXXX XXXX without the prior consent of the consumer given directly to the debt collector, or the ex- press permission of a court of competent juris- diction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, communicated McCalla Raymer Leibert Pierce , LLC my contact information without an attorney, a consumer re- porting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ( 15 USC 1692c ( b ) ). After the consumer credit transaction was completed on XX/XX/XXXX by XXXX XXXX XXXX after XXXX XXXX XXXX as a consumer and creditor, provided her credit card to XXXX XXXX XXXX, the property at address at XXXX XXXX XXXX XXXX XXXX XXXX for personal, family and household purposes is fully paid for, pursuant to 18 USC 8. McCalla Raymer Leibert Pierce , LLC has decided to disregard 18 USC 8 and request payments which is harassment, abusive and oppressive ( 15 USC 1692d ). McCalla Raymer Liebert Pierce, LLC is using false, deceptive and misleading representation of the character, amount and legal status of debt to collect debt, which violates sections ( 2 ) ( A ) and ( 10 ) of 15 USC 1692e. Threat and attempts to proceed with a foreclosure sale is a violation of sections ( 4 ) and ( 5 ) of 15 USC 1692e and 15 USC 1692f ( 6 ) ( A ).
Product: Credit card or prepaid card

USAA VISA has been witholding the use of my credit card for 7 business days per month, every month. My entire balance was {$1000.00} this month and I paid the entire balance last Thursday it was removed electronically from my bank and I can not have use of this card now until this Friday. I called numerous times in aggravation because there credit card agreement does not state they will be taking an interest free loan from consumers for 9 days out of each month, as they don't count weekends as business days. It also doesn't state that by never making a late payment in 8 years you will only have use of your card for 21 days per month. However, it does state that they will be charging you interest during this non usable time or every month, or every day of every month. So, this is a {$1000.00} credit card visa, my credit score today before writing this is XXXX. As I stated the entire balance was removed from my bank last Thursday.This is what they call there " Platinum '' card.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4
Product: Checking or savings account

Our household has been in the process over the past year of converting our household banking and finance accounts to oversight / control by a living revocable trust to avoid probate concerns. JPMC told us that we could not convert our current personal shared checking account since that would be a separate customer relationship. Accordingly, we closed our personal Chase Total Checking account ending XXXX and opened a new trust-controlled Chase Total Checking account ending XXXX on XX/XX/year>. We had to jump through all these hoops because Chase insisted we start over from scratch, but now they are claiming that the new account is not in fact a separate business relationship since they don't want to pay out a separate {$300.00} account opening bonus.
Product: Student loan

I have been trying to defer Parent Plus loan payments b/c my daughter is a full time grad student. I was getting no responses by submitting the online form. Been told different things by each rep I wait in hold to speak to for hours. Last rep said I had to wait until she attended first week of classes and it would trigger the code to show she was in fact still full time. I have resubmitted twice and I never hear anything from this lender. I get the online confirmation it was submitted, but no details and then it just disappears off their site and shows no record I even did it. I am tired of waiting on hold for hours when the website should be able to provide this information. I have been working on this since XXXX. Why tell us we have to wait if your company can not manage the processes you tell us to follow. I have also tried the press 1 to save your place in line and get a call back. No one calls back. This is chaotic and I have a job to perform and can not keep spending so much time on this, but now all my payments are past due and my great credit us going to get destroyed. What do we as consumers do when we can not contact anyone at this lender and we need help? I was also told by my personal school loans previous lender to consolidate mine and request tge XXXX payment plan or request they put me back into the deferrment I was in prior to doing that to meet that deadline, but got denied for both of those with Edfinancial. I am a struggling single XXXX trying to support my daughter in school to live. I can not afford to pay for two apts and thousands of dollars in school loans right now. This is beyond stressful. Edfinancial is the worst lender I have ever had experience with because it is impossible to reach them and their online forms and processes go nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian are reporting accounts that have been sold and inaccurate information and misleading that make accounts look like they are active when they are not .I feel like they are not investigating like they should. I get my results back as updated and nothing changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax XXXX and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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, and XXXX XXXX  Plus there are about 100 soft inquries
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account ending in XXXX is showing late payments for XXXX, XXXX and XX/XX/2021 when I had asked for a hardship deferral due to covid which was granted by the lender. However, the account was reported as 30 days late three times. I have spoken with XXXX XXXX and they have corrected ( or said they would ) and I have attached the correspondence they sent me stating they would. It has been corrected on XXXX but not Equifax or XXXX. I am attaching the XXXX results as well. This is very frustrating dealing with these credit reporting companies as I have written regarding this issue and nothing is done to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXXXXXX XXXX, XXXX ( Also listed as XXXX XXXX XXXX  ), Account # XXXX, Amount {$950.00}, Date Opened : XX/XX/XXXX 2 ) XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00}, Date Opened XX/XX/XXXX. 

3 ) XXXX XXXX, Account # XXXX, Amount {$0.00}, Account Opened XX/XX/XXXX, Closed Charge Off. 

15 U.S.C. 1681 Section 602 A States that 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.
Product: Student loan

MOHELA shows my loans are in Standard ( Level ) Repayment ; however I completed a federal " XXXX XXXX XXXX XXXX XXXX XXXX Request on the XXXX website on XX/XX/XXXX to change repayment to " Income-Contingent Repayment Plan. '' This request still shows to be in review ; however my student loan payment is due XX/XX/XXXX at the current standard repayment rate. I am requesting my repayment plan request be processed and if accepted, reflected on my statement, before I submit payment on XX/XX/XXXX. If this is not possible, I request Mohela/DoE set the loans status to administrative forbearance until the the request has been processed ( and if approved, reflected in the amount due per the updated repayment plan ).
Product: Credit card or prepaid card

Dear Capital One, I, the consumer and natural person, was unfairly discriminated against when my credit card account was closed by Capital one. I consistently use the card in good faith and have repeatedly made on time payments. 
Adverse actions against a consumer are AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. 
You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Capital one due to the account closure. 
Capital One is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but my account was closed. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One. 
If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

On XXXX XXXX we closed on our home and Planet Home Lending is our mortgage company. At closing we received {$2200.00} from seller to pay the property taxes from XXXX. In XXXX I received a letter from the county saying we didn't pay our taxes for XX/XX/2018 and sent us a bill for the whole year. I immediately called Planet Home Lending and talked with our loan officer XXXX XXXX to try to get an answer on why this was the case since we received the credit from the seller and have been making our mortgage payment every month on time, with {$560.00} going into our escrow account to pay taxes and insurance. They told us they didn't know but we had to pay the taxes and that they are taking all the money out our current escrow to pay the taxes! Also that our mortgage would go up {$270.00} a month because now our escrow was delinquent. We sent numerous emails and called numerous times to try to get this resolved, they would only send us letters stating they were looking into our account and they kept extending the period of resolution. They finally reached out now and told us that they would refinance us with a lower percentage rate but are charging us {$5000.00} in fees, some duplicated from what we already paid in XXXX and then they try to make it better by saying they will give us {$2500.00} in lender credits. No matter how I look at this it just doesn't make sense or add up. They clearly made a mistake and admitted to it and now trying to get us to rush and sign the refinance paperwork. I don't know what to do at this point, I don't trust that they have our best interest at hand. We can't afford this increase and feel we shouldn't have to pay for their mistake but also feel like the refinance is just benefiting them and charging us for their mistake.David told me that his branch manager would be handling our case his name is XXXX XXXX, I have called him and he told me someone else would call me back. So then this guy named XXXX XXXX sent me an email about applying for a loan?! I called him and he had no knowledge of our account or the issues that they have caused with our escrow account! They are completely ignoring our complaint and their mistake! This is ridiculous and they should not be in business! I have all emails and correspondence saved and can produce if and when necessary.
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. 

1 ) XXXX XXXX  : Account Number XXXX  XXXX 2 ) XXXX Account XXXX  XXXX 3 ) XXXX XXXX XXXX : Account XXXX XXXXXXXX 4 ) XXXX  Account XXXX  XXXX 5 ) XXXX XXXX Account XXXX  XXXX 6 ) XXXX  Account XXXX  XXXX 7 ) Account XXXX  XXXX 8 ) XXXX XXXX XXXX XXXX  Account XXXX  XXXX 9 ) XXXX XXXX Account : XXXX  XXXX 10 ) XXXX XXXX Account : XXXX  XXXX has violated my rights. 

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 XXXX 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

I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by Capital One Bank on XX/XX/2022. The 2nd inquiry was made by XXXX XXXX XXXX on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX
Product: Checking or savings account

Date : XX/XX/23 Amount : {$2200.00} + {$25.00} Wire Fee Detail : My computer was hacked on XX/XX/23 and the hacker was able to remote in and log into my Chase checking account ending in XXXX and gain access to my XXXX text messages, including the one-time code sent by Chase. The hacker initiated a {$2200.00} domestic wire transfer to XXXX XXXX Bank, an entity I have no knowledge of. Attached is a copy of my XXXX checking account statement Bank Response : I reported the fraudulent wire transfer to Chase on the same day the transaction occurred. I received the claim denial letter dated XX/XX/23 ( attached ) from Chase on XX/XX/23. 

Follow-up Action : I contacted Chase on XX/XX/23 and reiterated that I didn't authorize the wire transfer on line nor am I a recipient of the transfer. Chase again denied my claim.