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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XX/XX/XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this, I am now asking you for more information regarding this particular account in question. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor. The account below needs to be corrected : XXXX XXXXXXXX
Product: Debt collection

receiving calls at my place of employment. had my husband call to request the name of the company and request calls to stop. the name of the company given by the person who answered the phone can not be found via internet search. I believe this may be the same company that my husband filed another complaint against due to repeated and threatening calls to our home.. they said the name of the company was High Point Access XXXX XXXX XXXX XXXX, NY XXXX
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX XXXX  creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately.

This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Wells Fargo Bank Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XX/XX/XXXX ) and XXXX and XXXX ( XX/XX/XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Product: Debt collection

AMERICAN PROFIT RECOVERY Put this on my credit report I asked to verify debit and show proof of ownership and they failed to provide it. This is not my debt no prior warning by mail or notification to dispute this before hand!!! Please remove it off my report immediately!
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute Violation of 15 U.S. Code 1681n I am writing to notify you of my dispute regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n, which governs willful noncompliance. I know Experian is not really conducting investigations because im sending in proof thats these accounts are inaccurate and not mine and i also so know they are being sued for violating consumer rights I have looked over my my Credit report several times and I have identified, inaccurate information, unauthorized access, failure to correct inaccuracies, or other noncompliance. This violation of the FCRA has caused me financial damage and emotional distress Details of the Violation : XXXX : XXXX : Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies and Date last active is reporting different XXXX XXXX XXXX : Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different, and harrassing me after i told them not contact me XXXX XXXX : XXXX Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different XXXX XXXX XXXX XXXX Reporting multiple C/O Charge offs which is illegal and inaccurate and reporting different balances across different credit reporting agencies Date last active is reporting different Under 15 U.S. Code 1681n, willful violations of the FCRA entitle an affected consumer to statutory damages, actual damages, punitive damages, and reasonable attorneys fees and costs. I expect this matter to be addressed immediately to avoid further legal escalation. 

Requested Resolution : DELETE & BLOCK Please respond to this notice in writing within [ 30 days ] as required by the FCRA, confirming your receipt of this letter and outlining the actions you intend to take to resolve this matter. 

If I do not receive a satisfactory resolution within the stipulated time frame, I will have no choice but to seek further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX we have found out that our credit card ( Chase Sapphire XXXX ending XXXX, issued by Chase Bank, anual fee {$95.00} ) was closed by the bank. We have lost XXXX accumulative reword points ( worth about {$680.00} dollars ). 

We callled the Bank card service XXXX and got no resolution. They told us it was clased by the bank in XXXX and we lost all the points. 

We went to local branch office on XX/XX/XXXX at the XXXX XXXX XXXX, XXXX XXXX, CA XXXX The bank XXXX told us that Chase has sent us a notice on XXXX/XXXX/XXXX. 
We told the officer that we have not recived any letter from Chase for the closure.

The XXXX said that he will as a internal followup. 

Later we have used the XXXX secured Email to ask for a copy of the letter they sent to us about the closure. On XX/XX/XXXX, they responded that Chase automatically closed our account due to " BANK POLICY ''. It is very unfair to us without notifying us about the closure and made us lost the {$680.00} worth of the points. 

Please help. 

Th Bank is Chase and the Crad is SAPPHIRE XXXX Card We had the card from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in 2007. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.
Product: Payday loan, title loan, or personal loan

XXXX from this office called my employer today, called my office phone today, called my cell phone and left a voicemail then called my wife 's cell phone today and left another message for me to call them. Per complaint XXXX they agreed to mark my accounts as a " Do Not Call ''. They are free to use mail or email to contact me. 

See attached letter.
Product: Debt collection

I received a letter from ARA, Inc in the mail on XXXX XXXX which was dated XXXX XXXX. I called them on today XXXX XXXX in which I asked who was the original creditor because the original creditor listed was XXXX Bank in which I never had an account with. So, the gentleman start naming other creditors names such as XXXX and XXXX. I informed that I never had an account with any of those and for him to send me a copy of the original creditor with debt owed. Then he states the orginial debt was active from XXXX and became active again in XX/XX/XXXX.He then proceeds that was an error listed on the letter in which I can not obtain the orginial creditor information and that we are going to sue you and garnish your wages. I also informed him that the last name listed for myself has never been used since XX/XX/XXXX as a child. So, he proceeds to say, we are going to sue, have a good day, and hung up the phone abruptly. Therefore, I dispute the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge off with XXXX. XXXX transferred the account to SST. I paid off the charge off in full on XX/XX/XXXX. SST said they would report to the Credit bureaus. They didn't. XXXX said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
SST 3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks
Product: Mortgage

Chase lien release complaint. 
We 've now spent well over six months battling with ChaseBank over their proper title lien position on our property. 
We ca n't refinance, sell our home, or even procure another equity loan at a lesser interest rate unless they do so. 
So far they have been nothing but obstinate and evasive, in regards to solving this issue. 
Chase has been paid, in full, by XXXX and we have proof of that. It now seems evident that Chase wo n't relinquish their erroneous first position lien as they can use it on their financial statements as an asset. 

Here is the acquisition of banks regarding our property : XXXX Inc acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX We now have a second lien which is our current mortgage held by XXXX. XXXX should actually be in 1st lien position since our 1st was paid off when we re-financed. 

Six months ago we filed an application with XXXX XXXX XXXX to procure a business equity line of credit. XXXX XXXX XXXX discovered that Chase still has a first lien upon our property that should have been released in XXXX. XXXX XXXX XXXX contacted them and requested the lien to be removed. XXXX XXXX XXXX has our signed limited power of attorney to make the request on our behalf. Chase bank told XXXX XXXX XXXX that no such lien existed and asked XXXX XXXX XXXX to prove that one did indeed exist. 

XXXX XXXX XXXX has had several months of correspondence with JP Morgan Chase. Chase would not move forward and so XXXX XXXX XXXX could n't move forward either and our request of an equity line of credit was denied. XXXX XXXX XXXX 's title department stated at this point it that we would need to request the lien release personally. 

On XXXX/XXXX/XXXX I called the Lien Release Department at Chase and asked them to provide a copy of the recorded Release of Lien. 

The Chase Lien Release Customer Research department finally admited that they had failed to release the first lien on our house in XXXX. 
At that point I was told that Chase does n't have a proper power of Attorney in order to file for the lien release Again here is the acquisition of banks regarding our property : XXXX acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX So essentially Chase is now trying to get a Power of Attorney, from themselves, so they can release the lien that they should have already released back in XXXX. 

As it has become obvious that Chase is purposely stalling the release of this lien on our property for there own gain ; we are asking that you grant us assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In late XXXX of 2023 I received an advertisement in the UPSP mail from Chase saying if I opened a new checking account and deposited money electronically by XX/XX/XXXX than I would get a {$220.00} bonus for opening a new checking account. In addition to the physical mailed advertisement I received an email from Chase also saying I would get a {$220.00} bonus if I opened up a Chase checking account and set up electronic deposits into it. I opened my new checking account and my first electronic deposit of {$500.00} happened around XX/XX/2023 followed by another electronic deposit of {$500.00} XX/XX/2023 followed by a third electronic deposit of {$500.00} that is happening right now for a total electronic direct deposit of {$1500.00}. I have not received the deposit from Chase, so I called them and the representative told me I need to look at the fine print and not look at the large bold print in both advertisements Chase sent me. In the fine print Chase says you have to deposit a paycheck directly from an employer or a government agency like Social Security to get the check. If this are the rules or hurdles Chase is going to create for consumers to receive the bonus they are promising then these rules need to be in the visible and large print of the multiple advertisements Chase is sending in their solicitations. I went to alot of trouble to open this checking account and follow the rules, and I feel like Chase is doing a bait and switch. I want them to pay me the new account bonus of {$220.00} because I followed the rules they explicitly advertised in large bold print in their advertisements inducing consumers to open a checking account. I would not have opened a checking account with Chase if it were not for these written advertisements.
Product: Credit card or prepaid card

I received an offer from this card and it advised you pay a one time program fee with access to a {$300.00} limit. I waited a while and then decided to activate it. After activating they charged another {$75.00} bringing the limit down to {$220.00}. The {$75.00} annual fee is not disclosed at all. I have copies of the misleading information I was sent. I called twice trying to get the {$75.00} annual fee back and my {$89.00}. I paid {$30.00} which is what I used reference number XXXX and was advised I owed {$100.00} ( Including their fee ) but since its 30 days I can have this closed and fees refunded. So once he put me on hold he says oh you cant get the {$89.00} back because you used the card. I activated this on XX/XX/XXXX today is XX/XX/XXXX. I havent even had the card a week and Im being taken advantage of and slyed out of {$89.00} plus {$75.00} thats not right. I paid what I owed. I want the fee of {$89.00} refunded back to me because they got that by misleading me and other customers by stating and I quote verbatim " There is no security deposit required '' " If approved simply pay a one time program fee to open your account and access your available credit. '' It does not say " Once you pay your one time fee an additional annual fee of {$75.00} will be charged and your credit limit will be minus {$75.00} ''. What am I paying an annual fee for when I havent even been a customer for a year!? I want my {$160.00} back because this is so scammy and misleading! To be honest they arent even open about how much the " start up fee is '' on their solitcitations!
Product: Debt collection

They called saying I had a US Bank credit card that was charged off in 2015. They had some of my PII and were threatening court case. They wouldn't let me contact the owner of this said debt. I never received any communications from this and never saw this on my credit report in the last XXXX  years. Either this was a scam or was opened fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only problem I have with PFS is they told me they report to all three major credit bureaus and that was almost a year ago, my loan still has not showed up on my credit. The hard hit has, but not the loan. The only reason why I bought my vehicle was to build my credit. I bought this vehicle to build my credit because I had very little. I was hoping to not even have the car this long. I was going to trade it in for something better once my score went up some. I have asked them multiple times about this and they say they are working on it that it could take another year for it show. Everyone I have spoke to says it never takes that long for a company to report your loan. I 'm sure if I did n't pay they would reported nonpayment to all three major credit bureaus in two seconds. Just very frustrating. I have made all of my payments on time with PFS even made early payments.When I went to trade in my XXXX XXXX the dealer from XXXX XXXX said my credit score was bad because I had not made any payments on my XXXX, and the credit report showed that I never owned the XXXX or taken a loan out for the XXXX. Now mind you I have proof of all my payments that I have made. They have totally ruined my credit and when I called them they said their system had been down for a year-and a 1/2 and that theyre not required to report to any credit bureaus.. please help me ... Ive reached out to them, spoke with XXXX XXXX no results. Reach out to XXXXXXXX XXXX, No results ... Im XXXX years old I shouldnt have to go through this just because I was a first time buyer. If we make an agreement it should be written in stone. Please help me. This is madness For every payment be reported to all three major credit bureaus or the corporation can have the vehicle back with no penalty or expected charges or fee due to no wrong doing on my behalf.. 

I have proof receipts of all my payments made and I also have proof of other complaints from people this year who have problems similar to mines with PFS none are good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a remaining balance on a leased XXXX  XXXX XXXX. The account has never had a late payment in 3 years. The final payment went 33 days past due and the negative mark on my credit impacted my score more than 50 points. I anticipated to resolve the issue immediately, as I have never been past due. I contacted American Honda Finance to resolve the issue, and the automated phone directed me to a collection agency. I asked the agency specific questions about the account such as " is this agency handling the credit reporting of my account '', they claim they are not. I attempted to contact American Honda Finance again, and was able to speak to a customer service representative. He tried transferring me to the finance department to agree on a solution, but the call was not transferred. Instead, he told me the finance department refuses to speak to me as they are no longer the credit reporters of my account. Simply put, American Honda Finance claims they are no longer speaking to me because they are not the credit reporters and the collection agency they hired are making the same claim. This practice is unfair to consumers and should be unlawful. Finance companies should not be able to have such an impact on credit worthiness if they refuse to resolve the issue and come to an agreement or solution that benefits both parties. My credit score will continue to be impacted until American Honda Finance speaks to me. I am asking for a full summary of this situation. An explanation as to why American Honda Finance is  falsely claiming they are no longer the credit reporters of my account and a full good will adjustment, as the negative marks on my credit inaccurately reflect my credit worthiness.