23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recieved two credit cards from XXXXXXXX XXXX XXXX XXXX, issued by NETSPEND. I never asked for these cards, they were opened without my consent. I have tried to call them using all the phone numbers that I can find on the paperwork ( included with the cards ) and everytime all numbers called say hold on the line and your card will be activated. I DON'T WANY them activated, I did ask for them or want them.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit card

I made an overpayment on my Chase credit card of XXXX on XXXX XXXX after a prior payment was made on XXXX XXXX. I contacted Chase on XXXX XXXX and let them know I would like that returned to my checking account and was asked for my routing number and account number to return the funds. When the funds never came on, on XXXX XXXX, I called backed and was told that a check was mailed on XXXX XXXX and that it would take 7 to 10 business days to receive and that the first customer service rep messed up and did not inform me that a transfer of funds to my account was not possible because I did not have a Chase bank account. I then asked if there was a way for them to send another check via XXXX or XXXX and they stated that the only option was to wait for the check or stop payment and issue a new check. I have waited for going on XXXX days from the original date of the overpayment and have not seen a check and have called and talked to chase at least XXXX times with no luck and continue to get no other option other than talking to a supervisor who states the same broken line that they can stop payment on a check which clearly was never sent and issue a new one and have me wait 7 to 10 business days to see if it arrives. This is clearly a frustrating very long process of waiting for funds that they have the authority to send via XXXX or EFT at anytime but chose to frustrate and anger customers rather than do the right thing. This policy is designed to hold on to other peoples money for an extended amount of time without any recourse what so ever. The Chase system is computerized and should not allow an overpayment for a large dollar amount without warning people that a payment is already pending as it will not allow the opposite, an underpayment of your minimum balance due. I would just like Chase to do the right thing and issue an expedited check that does not involve the long dreadful waiting game for a check that should clearly be sent and received in a timely fashion, or better yet, transfer the funds via EFT to my checking account as it is clearly possible for a Banking institution that is too big to fail and is supposed to be working for the people that bailed banks out in the financial crisis of 2008. Every single time I have called the highest level I can reach is a supervisor who has no authority to do anything and simple reads from a script over and over about putting a stop payment on the old check ( that was supposedly send out but never arrived ) and starting over from the beginning in a crazy never ending waiting game with no guarantee that anything will ever arrive. If I ran a business like this I would be out of business in days and under investigation for XXXX business practices. Please help me recover my funds in a timely fashion that does not resemble a XXXX at a casino? When did the customer is a valued commodity disappear in the USA. Thank you and hope to hear from you soon!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Bank Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and TransUnion are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.
Product: Credit reporting or other personal consumer reports

I have a right to privacy. Transunion and XXXX are in violation of XXXX  XXXX XXXX XXXX { Fraudulent use or possession of Identifying Information } and XXXX  XXXX XXXX XXXX { Exploitation of XXXX, XXXX  Individual, or XXXX Individual } Transunion has published on my consumer report that I owe XXXX  {$3.00} a said amount both TransUnion and XXXX  are in violation of these state statutes. And they are in violation of 15 USC 6802 Obligations with respect to disclosure of personal information. Section b which gives the consumer the right to opt out
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate late payment information on my credit report, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the inaccurate reporting of late payments contradicts 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must ensure maximum possible accuracy in the information included in consumer reports. 

Experian is reporting incorrect information on my credit reportXXXX XXXX XXXX account # XXXX is showing incorrect information on XX/XX/year> as 30 days late. My transunion report is showing same date as paid on time. This is a major violation and innacurate reporting from the credit bureaus. I am providing documents to show proof.
Product: Vehicle loan or lease

Good Evening : I am hoping you can help. I refinanced my vehicle on XX/XX/XXXX. I was promised a seamless refinance. I received the packet from XXXX in just a few days. I submitted the completed packet as requested to initiate the refinance immediately. For clarity my original lien holder was XXXX XXXX XXXX. My new lien holder should list XXXX XXXX Bank XXXX On XXXX, I contacted Flagship to inquire if the lien release has been sent as requested. They confirmed and stated my account was closed. More time goes by and I still did not receive a title with the correct lienholder. Starting in XX/XX/XXXX, I have contacted Flagship on 5 occurrences asking them to send my lien release to XXXX. They stated they mailed and faxed the lien release on several occasions. I started contacting XXXX in tandem with Flagship starting XX/XX/XXXX to current date ( many emails to them ). XXXX stated stated on XX/XX/XXXX We received your lien release, allow time for the state to process. 
Since XX/XX/XXXX XXXX has stated : -Flagship will not communicate with us about your lien release. 
-We are still waiting on your lien release -The lien release we received will work -The state ( MN XXXX  ) will not accept the notarized lien release we have received -We need the original lien card or a notarized copy of the state form for refinance. 

As you can see, I am receiving VERY different responses. 
I work for the state. In fact, the part of the state that processes titles. A notarized statement ( from Flagship ) will work so I am not sure what the problem is. I am so beyond frustrated as I have contacted Flagship AND Upstart more occasions than I can count ( in writing and by phone ). I am so beyond frustrated I do not know what to do anymore. I refinanced so I was not paying 16.5 % interest and now I cant even get the correct title to my vehicle. 

Please help me so these two banks can figure it out. I cant do anything without a title. Please help me. 

I have only attached a few of my communications ( I have many ) I have had with Flagship and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX  '', XXXX  XXXX Bankruptcy reference number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

Good morning, on XXXX XXXX, 2017, I made an international transfer in the amount of US {$21000.00}, from my savings account in the XXXX XXXX to my savings account of CHASE Bank, the International Transfer department of CHASE registered the amount of US {$20000.00}, lowering US {$25.00}, amount not authorized to deduct from the transfer, since they only have to charge a commission of US {$15.00} and after crediting the amount sent. This is an illegal practice of this Bank.
Product: Payday loan, title loan, or personal loan

I was pre approved many times for credit cards and personal lines of credit and when I actually tried to sign up for it and entered my information I was denied and it caused my credit to drop every time
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate personal information listed on my consumer report. My correct and only address is XXXX XXXX PL XXXX, Unit XXXX, XXXX XXXX, FL XXXX, and all other addresses must be deleted to ensure compliance with 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. Additionally, my full legal name is XXXX XXXX XXXX, and any other name variations must also be removed to prevent confusion or potential misattribution of accounts. My current employer is XXXX XXXX, and any other employer listings must be updated or removed accordingly. Failure to correct these inaccuracies constitutes willful non-compliance with the Fair Credit Reporting Act and may result in liability under 15 U.S.C. 1681n, entitling me to statutory damages of {$1000.00} per violation, along with punitive damages and legal fees. I request the immediate deletion of all inaccurate personal information and written confirmation once this correction is made.
Product: Debt collection

Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my report. The report was investigated and the accounts were verified. I requested a reinvestigation into the report and to have the agency furnish the documentation. They have failed to provide any documentation and claim they are verified. 
In accord to 15 USC 1681 i ( a ) sub. 3 e investigative consumer report Improper use I sent a dispute on XX/XX/2023 and dem, anded a investigation on every piece of info on the accounts listed below XXXX XXXX XXXX  2 accounts XXXX XXXX XXXX XXXX XXXX  as of 2 accounts XXXX  2 accounts XXXX XXXX 2 accounts ok student loan 2 accounts XXXX XXXX  According to FCRA the term investigative " consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, family members or associates of the consumer reported on or with others with whom acquainted, that may have knowledge of any information. They stated they were all verified even after demanding a reinvestigation which they have not conducted a proper investigation according to law. All information is still not reporting 100 % accurate in accord to 15 USC 1681 and everything must be accurate
Product: Credit reporting or other personal consumer reports

I have no knowledge of any of the accounts I am disputing, they are not mines. None of the accounts have been validated, or verified. I wasn't given the IRS 1099 C Debt Cancellation Forms, or any purchase agreements that are supposed to be provided by the collection agencies or debt collectors. Also from my understanding and research according to the Fair Credit Reporting Act these creditors have violated my rights Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Ive never provided written instructions to furnish any of these accounts on my consumer report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report contacting information solely as to transactions or experiences between the consumer and the person making the report ; This means any information that includes transaction history, late payments, balances, etc are not to be reported. Also I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a freeze on my Experian report and the website asked me some public record questions for security. I didn't recognize two of them but it said i answered them incorrectly. When i called the Experian contact us phone number ( XXXX ) on the website their system is setup to prevent consumers from reaching customers service. This is very obvious when you try every option and are still unable to reach a representative. Online will not work forme, since they want me to verify the inaccurate information they have on file. Even the IRS has a callback wait list option. Please try to reach them yourself to verify this scenario. I don't understand how they are trusted with such an important task and they have such a poor customer service interface. Now i have no way to correct this inaccurate information. Please help advise me as to who supervises their management of public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and a fraudulent account was opened up in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's hacked system compromised my personal identifying information. I 've had to spend countless hours to ensure I am protected since so much of my information was reportedly compromised. Not only does this include educating myself fully of the situation, but also placing freezes on my credit, signing up for credit monitoring, pulling my reports and analyzing anomalies, and many hours learning how to fully protect myself ( and I 'm sure I 'll spend many more hours fighting the inevitable attempts at my identity being used ).
Product: Credit card

Dear Barclays ( Old Navy Card Services ), I was surprised and concerned to find a late payment reported on my credit report for XX/XX/year>, indicating a 30-day delinquency. 

Given my usual diligence in managing my finances, I am unsure how this could have occurred. I have always made my payments promptly upon receiving my statements. It's possible that there was an issue with the delivery of my monthly statement, or it could be related to the fact that XXXX XXXX XXXX XXXX XXXX XXXXXXXX during that time. 

In light of our longstanding relationship and my commitment to maintaining a positive payment history, I kindly request that this 30-day late payment be removed from my credit report. Additionally, I would appreciate a refund of any late fees that may have been assessed.

Moreover, I believe there may have been an error in billing under the provisions of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g. As these potential inaccuracies have led to incorrect reporting, I respectfully request the immediate deletion of this late payment from my credit report.

I value the relationship I have built with Barclays and would prefer to resolve this matter amicably and efficiently. Your prompt assistance will allow me to continue enjoying the excellent service I have come to expect from your organization. 

Thank you for your attention to this matter. I look forward to your positive response and appreciate your help in resolving this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) and the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated third party. The fraudulent accounts identified are : 1.Fraudulent Transaction : XXXX XXXX # XXXX : Balance : {$16000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX # XXXX : XXXX XXXX {$670.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXXXXXX XXXX XXXX  : # XXXX : Balance : {$4000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX XXXXXXXX # XXXX : Balance : {$740.00} : Opened : XX/XX/XXXX
Product: Mortgage

I was in the disaster forbearance plan starting XX/XX/XXXX. Flagstar Bank and I agreed to start the Loan Modification Trial Period beginning on XX/XX/XXXX where I was to make three payments. Although I started making payments in XX/XX/XXXX, I routinely made my payments through XX/XX/XXXX of XXXX, Three payments. 
I called Flagstar Bank on XX/XX/XXXX or XXXX XXXX to make my third payment for this trial plan but the person who I spoke with told me I didnt need to make this payment because I made my three payments already. I wasnt sure about this and asked the ( male ) person if he is sure and certain that I didnt need to make this payment and he told me I didnt need to and that I should wait for documents in the mail like a new modified contract around XX/XX/XXXX and that I can make my first payment in XX/XX/XXXX. So I left it at that and didnt make any payments for XXXX and XXXX of XXXX because I was waiting for a new modified contract but nothing ever arrived. 
Well now Im in trouble because of this. I waited till XX/XX/XXXX for those documents and nothing ever arrived. I finally received a letter in XXXX stating that I broke my contract because I failed to make this last payment. They then told me that I would be in a Streamlined status and I should wait for documents to be mailed to me, that never arrived either. 

Flagstar Bank will not even listen to me about this. I call at least two times a week asking for help and they wont help me. I have to re-apply for Loss Mitigation Relief. 

I know they record these phone calls and the proof is within that recorded phone call. That person who I spoke with gave me bad information and now I am at risk of foreclosure as well as negative hits on my credit. I am preparing to seek legal action against Flagstar Bank if they dont make this right. 
I still make payments and have been making payments consistently for the last four months. 
I just want to get my modified contract back to good standings, prior to forbearance Ive never missed a payment. Other than the bad advice given to me by Flagstar, my payments have been on time.
Product: Student loan

I discharged this dep't with the irs submitting my 1099 A which was approved and accepted. A copy B was sent to the CFO and to Mohela and XXXX  higher education loans indentured trustees. The account number for this loan is XXXX. I keep receiving fraudulent correspondence to collect a debt that has already been discharged and they have not sent me a copy C that discharge has indeed taken place. They continue to report on all four credit agencies which I already opted out of via a written declaration to cease reporting.
Product: Debt collection

I called the collection agency to make a payment. They refused to credit the account or even give me the collection amount unless I provided social security number. They identified the account and verified the information by address account number and name and still demanded a SSN. 

FCRA and SSA forbid the use of SSN as an identifier. The company and XXXX both refused to take payment without SSN
Product: Vehicle loan or lease

Lender has repossessed vehicle with no warning. I have been calling the company for 6 hours and no one will tell me where the vehicle is or what amount I will need to pay for it to be returned. 
The company is GMFinancial. The website will not let me log in or reset my password and the call line has transferred me twice. Given me a bad phone number to call. And told me three different times to call back since Thier " system is down '' I have been on hold for over an hour now.
Product: Debt collection

We never had XXXX account. 

They call us, vey bad manners and ask for payment right the way. 

They start collect XXXX dls, later XXXX and now they send a bill for {$26.00} that we never owned. 
They harassed us to many times. 

now the company EOS CCA is a debt collector. 
The website is not working, don't allow to dispute the charge and they don't answer the phone also. 

Please care this manner. 

The best regards. 

XXXX XXXX XXXX XXXX