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

I found wrong negative information from XXXX  on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong to me
Product: Vehicle loan or lease

This involves Fifth Third Bank and XXXX XXXX in XXXX, Texas. Our Automobile was totaled and we had Gap insurance. The gap insurance paid their amount however XXXX XXXX did not pay their share of the bill. Accordingly the bill kept appearing in the mail that we owed {$1300.00}. We called XXXX XXXX and told them that they have to pay the remaining amount due to Fifth Third Bank. They acknowledged that they will in fact pay it. In the meantime the bills kept coming to our address and we kept calling XXXX XXXX and telling them that they still need to pay the bill. They kept saying that they will take care of it. However come to find out that because of this Covid-19 situation they never got around to paying it. In the meantime the bills kept coming and finally I noticed that Fifth Third Bank was turning us in the credit agencies that we have late payment on record. XXXX to be precise. This took my credit from a XXXX down to the high 600 's. Finally XXXX XXXX payed the bill but in the mean time my credit score is terrible now. 

My objection here is that somebody needs to fix my credit score and take those three late payment off my record. If you check my record you will see that it's clean with the exception of these 3 late payment. My social security number is : XXXX. Please check. 

Regards, XXXX XXXX -- Co XXXX XXXX XXXX -- Car Owner Thank you in advance. 
XXXX
Product: Credit card or prepaid card

I made a payment to my credit card. This was the first payment. I made a payment of {$600.00} to a maximum limit of {$1000.00}. I made a payment with a direct payment from XXXX  XXXX XXXX linked to my bank account. Capital one tells me they will not give me the available credit for a week. I am of the opinion that if I had known in advance this would happen that I would not have made the payment. XXXX tells me that payment posted. The money is out of my account. I am telling Capital one that if they don't like the money they can return it. We can stop it all right here. I beleive that capital one is pulling a scam of course making a little money on the side. This is ridiculous. I will put a stop payment on the payment if Capital One doesn't like the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Hello, I recently summited a complaint to fraudulent accounts under my name and I placed a fraud alert. There were several accounts by XXXX  XXXX that were opened fraudulent. This letter is to emphasize on the account opened XX/XX/scrub>XXXX XXXX XXXX  for {$1000.00} credit. This account is still showing on my consumer report. Please remove this fraudulent account. XXXX XXXXXXXX ( XXXX ) for {$1000.00} XXXX
Product: Credit reporting or other personal consumer reports

In Experian, my credit report shows two different amounts from XXXX XXXX. I have emails from XXXX XXXX confirming one of the amounts, but my report shows much more than they confirmed. I disputed it with Experian and they denied it. They claim they only enter what XXXX XXXX tells them. They kept both amounts on my credit report. Both Experian, and XXXX XXXX keep sending me to talk to each other with no resolution. This additional amount shown in my Experian credit report is affecting me and nobody is helping me resolve the issue.
Product: Checking or savings account

Hello I bank with Chase and I recently had my savings account of {$800.00} completely drained by a wire transfer to a Chase representative. Chase stated they would help me even while still having the funds in process by switching it to a new account - the following day they transferred them from the new account anyway and after opening a claim they denied me within 24 hours. They have the instance recorded by phone and refuse to investigate or refund me my {$800.00} due to failing to do a wire recall with their shoddy process.
Product: Credit reporting or other personal consumer reports

I have been the victim of Identity Theft and as a result there are fraudulent accounts and inquiries reporting on my Cheksystem consumer report. On XXXX/XXXX/XXXX  I contacted Cheksystem by letter notifying them of fraudulent accounts and inquiries due to my identity being compromised and requested these fraudulent accounts be removed. The letter included the information that I was disputing along with a FTC Identity Theft report ( XXXX ). Cheksystem responded to my dispute stating the FTC Identity Theft report was insufficient and needed to be signed by the police. This response is not in compliance with the FCRA and I am requesting this matter be investigated.

I have included all correspondence sent to Cheksystem regarding this matter.

Thank you for your attention concerning this matter.
Product: Vehicle loan or lease

I lost my job on XX/XX/2020. Last week I requested to defer payments for my car loan and was approved to defer the next payment to XX/XX/2020. The lender send me an email confirming this on XX/XX/2020. This morning XX/XX/2020 the lender submitted a debit against my checking account for the payment that was scheduled for XX/XX/2020. I contacted the lending institution to inquire and they advised that while I was approved for an extension of the due date the auto pay function in their system had not been disabled and had to be requested separately. On XX/XX/2020 I requested to have the auto bill pay functionality turned off. The lending institution advised I would have to dispute with my bank. Note : When the request for an extension of due date was made verbally the lending institution did not advise that the auto bill pay function had to be requested to be disabled separately and the email received confirming approval of change in due date did not advise that the auto bill pay functionality had to be disabled. On XX/XX/2020 I contacted my bank to initiate a dispute and also put a hold to decline any future transactions from the auto lender ( which I will have to have removed when am able to resume payments ). My bank also advised this hold may or may not  stop the current payment and if does not will have to wait 3 to 5 business days before disputing. I have no concerns with the handling by my bank. IMPACT TO ME : Currently I have XXXX XXXX  available in my bank account. While I have filed for unemployment and am actively looking for work I have no idea when or how soon I will get any income. FEEDBACK TO LENDER - when an approval is made to extend payments your system should be able to recognize this regardless of if the consumer is enrolled in auto pay. You as a lender have an obligation to either 1. Ensure the auto pay function honors the new due date, 2. cancel auto pay without requiring consumer to request, and/or 3. Advise the consumer they must request to cancel auto pay.
Product: Checking or savings account

Navy federal has let people transfer money take money out of my account every dispute or fraud claim I have filed with them has been denied after I filed police reports and provided documentation showing this was not done by me they again was not protecting my account my code word was supposed to be used if anyone calls or try to access my account and they have not done that they have made there mistakes mine and now Im suffering Ive had over a half million dollars in there bank but yet they have tried to belittle and also called me a liar the leaders over these departments are very rude and not understanding at all navy federal has not so much of givin me a provisional credit and its like they have my account on front so when I call these people lie and are very rude they took my debit cards made me pay off accounts that I didnt compromise and did not do proper investigations or have so much of sent me any kinda notice of these actions that there taking or have taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this as a follow up to my dispute regarding the the fraudulent inquiries that are currently appearing on my credit reports. They continue to negatively impact my credit scores and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I respectfully request that the following inquiries be immediately removed from my credit report : EXPERIAN : 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. I would like to remind the EXPERIAN, XXXX and XXXX Credit Bureaus that under the FCRA, credit bureaus are required to investigate and respond to consumer disputes within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed that my information was compromised due to the XXXX hacking and found fraudulent transactions on an existing credit card i suspect but cant prove may have been related. So i was trying to get my annual credit report that is intended to be used to get my credit report from all 3 credit burrows and found that i was not allowed access to any of my reports. XXXX & XXXX both stated after going though the verification that i was not going to be provided my credit report due to the XXXX hacking incident. XXXX did not even let me go though the verification and simply stated that their system is down with no other explanation. 

To say the least i am very upset that i am unable to get access to my information when i need it the most and was under the impressions that the credit companies are required to provide me with my credit report in a timely manner and they have been unable to do so.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Consumer Loan

I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX. 

Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
Product: Payday loan, title loan, or personal loan

I've applied for and received a personal loan in a small amount. I was employed at the time and and was making payments. However I unexpectedly lost my job and currently unable to make payments. I have let multiple staff know and informed them I am working with a debt consolidator to help me pay off my debt. This company refuses to take the information and are now harassing me, calling repeatedly, late hours of the night, calling EVERYDAY! they call from local numbers and unavailable numbers. I have already made a complaint to the main call center, but nothing has been done
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the eXXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX
Product: Mortgage

Received a bill from Penny Mac with a {$15.00} fee attached to it. Tried to call on XXXX2021 and held for 14 minutes. No one came to the phone. Sent a secure message from the website on XXXX2021 at XXXX XXXX  with a print out showing I have been 15 days earlier than the due date on each payment and asking why this fee has been charged. Still no response. Tried calling back today at XXXX and held for 15 minutes with no customer service agent coming to the phone. Looking for an answer. No payment has been past the due date. Not even a day. Communication is poor. Sorry I have to go to this measure to get a question answered...
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX account on my credit report and asked for a contract. Transunion and the creditor opened this account and reported this account late. It took dropped my credit score by XXXX XXXX and my on-time payment went from 100 percent to 99 percent. The company can not falsify the status of this account and change the statues from closed to open if the account is closed. 

Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 
Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX gave me a hard inquiry on XXXX XXXX, 2021. I have spoken to XXXX and transunion a few times about this matter which they agreed to remove it off my file as this is fraud/identity theft and was never authorized by me in anyway.
Product: Credit card or prepaid card

I made a charge and cancel the service the next day within the merchant cancellation date. Called Citibank, credit card company, to dispute claim and they would not take dispute until posted. I used the mobile app in which it does not give me a selection to say I never receive merchandise so, I selected return. After speaking with customer service in dispute center I faxed in my cancellation contract. Next notice I received from Citibank is that they have resolved the case and reverse the charges to my card. I called an spoke to a supervisor and as the letter said, trace over contract and state whether I received items or not. I sent in a new fax Monday and supervisor called Thursday that a fax was not received. I faxed in another copy and then called merchant to get cancellation receipt and faxed in another copy of the trace over cancellation contract, a statement that I have not received any items and, cancellation receipt from merchant. I am unable to resolve this issue with Citibank dispute center. I have also mailed in a copy of the cancellation of contract to Citibank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax Information Solutions has reported a fraudulent account on my credit report. I am attaching an FTC report that supports my claim, that I am a victim of identity theft. XXXX is also reporting a fraudulent name ( XXXX XXXX XXXX ) that has been corrected by the Texas Department of Public Safety. I am also attaching supporting documentation that proves my identity.