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

I recently recieved my credit report and noticed a late payment from XXXX on my equifax report. XXXX is in clear violation of consumer rights law according to Fair Credit Reporting Act 15 USC 1681 b, permissable purpose of a consumer report. I have never given XXXX the authorization w/ written instruction to report any type of transaction. This late payment should be excluded from report according to 15 USC 1681 2 A:1
Product: Payday loan, title loan, or personal loan

I opened the Self Inc loan on Monday, XX/XX/XXXX. My automated payments have always on been the XXXX of every month and I never had a problem paying them. I noticed this morning on Thursday, XX/XX/XXXX that I received a text from my personal bank informing me that {$55.00} was deducted for Self Inc. I was extremely confused, since my loan payments should have come out on Thursday, XX/XX/XXXX in the amount of {$48.00}. 

I opened my Self app on my phone and noticed some very unsettling things going on with my Self Inc loan. On Tuesday, XX/XX/XXXX {$48.00} was deducted as it should be. On Wednesday, XX/XX/XXXX, a " manual payment '' {$55.00} was deducted from my bank account from Self Inc. and I didn't even know until this morning. 

On Wednesday, XX/XX/XXXX another " manual payment '' was attempted but stated that it was cancelled. On Thursday, XX/XX/XXXX " manual payment '' was deducted from my checking account. 

I did NOT authorize this. My payments are never manually, but ALWAYS automated.
Product: Mortgage

I am writing to formally raise a complaint regarding the professional conduct of XXXXXXXX XXXX XXXX a loan XXXX at Citi Bank, who has been handling our loan application. My intention is to outline several incidents that have raised serious concerns about XXXX XXXX XXXX XXXX  ethics and professionalism. 
Initially, XXXX XXXX XXXX presented herself as particularly capable of understanding our financial situation due to our shared cultural background. She recommended utilizing the Citi Mortgage Relationship Pricing to secure a lower interest rate on our loan, with a target rate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were led to believe that depositing a certain amount of money for XXXX days was a viable option under this program. 
However, close to the final stages of the application process, XXXXXXXX XXXX XXXX informed us that funds from XXXX were not eligible for this programa crucial piece of information that was withheld until it was too late on XXXX XXXX. This omission has not only caused significant frustration but also delayed our application process unnecessarily, making us feel trapped in a deceptive scheme. 
Further complicating the matter, XXXX XXXX XXXX  then advised us to " shop around '' for better rates using an email address ( XXXX ) she provided, and subsequently to request that Citi match these rates. Before giving us the contact, she asked us to sign the " Citibank Competitive Offer Pricing Match Confirmation on XXXX XXXX She specifically instructed us to claim a XXXXredit score of XXXX and inquire about the XXXX ARM rate. Following her guidance, we received a rate of 6.125 % from the provided contact on XXXXXXXX XXXX 
I am concerned that these actions show a conflict of interest and lack of transparency that might not only affect us but other clients as well. This behavior seems contrary to the ethical standards expected of financial professionals and could potentially harm the trust and integrity clients place in Citi Bank. 
We are prepared to provide all relevant communications, signed documents, and additional evidence to support this complaint. We trusted XXXX XXXX XXXX based on her professional position and our shared background, and it is disheartening to feel misled and manipulated. 
I hope that this issue will be taken seriously and investigated thoroughly. We seek assurance that such practices are not commonplace at Citi Bank and that appropriate actions will be taken against any unethical behavior. 
Thank you for your attention to this serious matter. We look forward to your prompt response and a resolution to our complaint.
Product: Credit reporting or other personal consumer reports

LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX had a special going on where i got a discounted price on calls to international country. Called got the special and apparently the country i was calling wasnt on the special, i asked the representative multiple times before i took the special if the country i wanted to call was in the special she said yes it was so, i went ahead used the service to call internationally. went on vacation came back and my service was discontinued i called the service provider i was told i had to pay the bill because the country i was calling wasnt in the special so i told the representative that the lady who helped me assured me that the country was in the special he said " well its not so you have to pay the bill '' I said to him are you crazy where am i going to find all that money to a phone bill. From that day i never use XXXX again they are rip offs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX  and XXXX. Please remove the 30 day late payments from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i had financed a laptop for my wife for her birthday from best buy, i put more then half down i think it was XXXX $ around there, then i can back maybe a month or two after and paid it off in full in cash, either i got robbed by the person that was at the counter or best buy robbed me because i paid it off and now its on my credit score. 

NOT COOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

NEVER AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax over a month ago about them reporting late payments on a charge off account and how it is illegal and for them to remove the accounts and how they are invading my privacy reporting such accounts that makes it detrimental for me to receive credit cards, purchase a home etc. I have asked them to remove the late payments/accounts XXXX and XXXX XXXX this should not be reported on my files as they are charged off making them income.
Product: Credit reporting or other personal consumer reports

This is my another refilling of complaint to 1ST FRANKLIN FINANCIAL for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit card or prepaid card

I've been disputing these charges for over a 5 years, the charges were made in Texas when I live here it is effecting my father XXXX XXXX and my XXXX XXXX credit and I'm a young man trying to purchase a home. We've possibly determined that my brother may have used my card unfortunately he passed away last XX/XX/2020 from XXXX XXXX due to XXXX  XXXX which has been very traumatic for my family. I did not make these charges and would ask that it be removed from my credit bureau and my father 's. Our lifes have been turned upside this passed year and I'm trying to move forward from this grief. 

Thanks for your time and understanding XXXX XXXX
Product: Consumer Loan

Due to a pending divorce, my wife decided not to make the car payment for 3 months. As a result of this, the vehicle was repossessed. Ally financial, the loan originator, sent me a letter on XXXX stating their intent to sell the vehicle by XXXX. Their letter stated that I could get the vehicle back if I paid the past due payments plus late fees and towing charges. The letter instructed that I could make the payment by cashiers check, XXXX XXXX or money gram. After contacting ally on XXXX for the exact amount owed to get the vehicle back, I made a payment of {$2700.00} via XXXX XXXX by phone as instructed per their letter. 4 days later and hours spent on the phone and they still have n't released my vehicle to me. The reason they state is that I used XXXX XXXX speed pay instead of XXXX XXXX quick collect. Nowhere in their letter does it specify to use XXXX XXXX quick collect. I have paid the balance in full and ally refuses to either refund my money so I csn pay via quick collect or release my vehicle to me. Ally has stated that they will apply my payment to the remaining vehicle balance but that is not why I paid this amount. {$2700.00} was paid to ally for the sole purpose of getting my vehicle back from repossession. This is fraud and deceptive business practices. I have also contacted the Missouri attorney general to file a complaint.
Product: Checking or savings account

Fraud claim filed on XX/XX/. Our mail was stolen at work and as a result a check for XXXX was fraudulently cashed at an ATM by the criminal. 

We were told that the claim would take XXXX days which we are essentially at right now. 

XXXX XXXX XXXX is the bank that cashed the check. My bank, Wells Fargo, has reached out to XXXX XXXX XXXX to seek reimbursement so that WF could give us out stolen money back. 

I have reached out to WF again to request status but have not received any response. 

I have no account at XXXX XXXX XXXX so they wont talk to me. They did however give me a XXXX XXXX XXXX claim number XXXX so Im hoping that you can reach out to them as well. 

We are a small family owned business and this money is greatly needed to help us keep our doors open.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a credit monitoring alert stating that a inquiry had been made. My credit monitoring service noted that JPMCB card services did an inquiry. I did not authorize it.
Product: Mortgage

My loan was transferred to Roundpoint effective XX/XX/XXXX. Prior to that, Roundpoint emailed me that my existing automatic payment from my prior servicer would automatically continue to be withdrawn by Roundpoint. By XX/XX/XXXX my automatic payment was not withdrawn and Roundpoint also had not record of my loan, even though it was supposed to be withdrawn on XX/XX/XXXX. Therefore, I made a manual payment of {$1500.00} on XXXX or XX/XX/XXXX. On or around XX/XX/XXXX Roundpoint also automatically withdraw a second {$1500.00} payment, and its website shows it credited it to the account effective XX/XX/XXXX. A statement dated XX/XX/XXXX shows that {$770.00} of the second payment was credited to interest and the rest to principal. I have the following issues involving Regulation Z and UDAAP : XXXX ) Roundpoint withdrew its automatic payment late, so it is only fair that it should have credited the payment effective XX/XX/XXXX rather than XX/XX/XXXX, which would reduce interest accrual on the paid off principal for XXXX days. 
XXXX ) Roundpoint credited my XXXX  payment to {$770.00} in interest even though there was no interest ( since it was paid by my XXXX  payment ) This suggests that it held my XXXX  payment until XX/XX/XXXX, rather than reducing my principal effective on the payment date. This means it received my money without paying me interest from XX/XX/XXXX to XX/XX/XXXX. Since this entire debacle occurred because Roundpoint did not withdraw the payment when promised it must pay me interest on the money by crediting my second payment on the date it was paid rather than on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have now been in the process of trying to have items removed due to XXXX XXXX with Equifax for over a year now. I have submitted all the documentation requested and it was the same documentation that worked to have items removed in the past. Not only are the employees in the department that handles these cases disturbingly RACIST and MICROAGGRESSIVE  but their gaslighting is also an entire issue for me. I am currently still dealing with being a victim of XXXX XXXX and it makes no sense that every time I call I am being met with customer service representatives who have attitude and nasty behaviors. I feel like the reason my disputes are being denied is because of retaliation towards me. There's no reason a victim of XXXX XXXX XXXX should be dealing with this. Today on XX/XX/year>, I contacted Equifax and spoke with a representative named XXXX, she was very microaggressive toward me because I advised her that I mailed a dispute to the company that according to my tracking information was received on XX/XX/year>. I wanted to know why the letter was still sitting there and when they picked the mail up. This was met with an attitude, of rudeness and I advised her I would like to speak to a supervisor and she mentioned that she's the highest form of contact. I advised her that there was someone above her. We got into an argument and then she disconnected the call. I called back to that actual customer service line and I was transferred back to that department, XXXX answered the phone and I'm sure she knew it was because you could hear the disdain and aggravation in her voice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She then disconnected the call before I could even say anything. I called the department back and XXXX answered the phone again she sighed with aggressiveness and transferred the call to someone named XXXX. Once XXXX got on the line ; I was met with straight combativeness and an attitude. Every time I tried to speak XXXX began trying to talk over me. She then argued with me that she had just spoken with me even though I told her that was inaccurate. I was speaking in my regular tone and then XXXX began stating that I was yelling at her ( I wasn't ), I continued to try to speak and XXXX began to give me warnings and I advised her that it was very microaggressive to say a XXXX person is screaming because you don't like the tone in which they are speaking. Disgusting behavior that I did record and will be sent to an attorney.
Product: Debt collection

Someone from the Company duplicated my mobile account upon the time of first opening and I spent months and months trying to explain this to the phone company but what happened was they did nothing and I received the final bill and the letter of debt collection on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have not been able to access my free annual credit report through : Equifax XXXX  I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.
Product: Debt collection

On XXXX XXXX, 2014 I called XXXX XXXX to have my service disconnected. I also received instructions on how and where to return their equipment. Over the next couple of months I continued to receive bills for service and their equipment. I called XXXX a couple of times to rectify the situation, but received basically no assistance from the reps to correct the problem. After a while I stopped receiving bills from XXXX and I assumed the matter was resolved. 

This month I received a letter from FBCS Inc., which I have learned is a third party collection agency. I have responded to this company disputing the validity of this debt. 

Also l have learned that this appears on my XXXX credit report as an open account and owing XXXX XXXX {$410.00}. The so called open debt is affecting my credit score. 

I am at a loss to understand how XXXX XXXX can arbitrarily attempt to ruin one 's credit rating because one of their customers decides that they no longer want to use their services
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXX Trans Union 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 credit reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My wife and I purchased a vehicle for {$54000.00} in XX/XX/2023. We both have sub par credit and are working on fixing it. We purchased this vehicle with a extremely high interest rate with hopes that with on time payments we would refinance in a year. Flagship Credit Acceptance has not reported our on time payments. We've emailed and called several times and get no updates or results. This is predatory lending practices to keep a high interest rate and not allow other finance options. 
This is a {$1200.00} payment made on time every month. We even made a extra payment to principal but was never applied to the principal by the company. Now over a year later our credit has not changed due to the fact that no payment history is being reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I have no knowledge of this account it is not mine XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I have no knowledge of this account it is not mine XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I have no knowledge of this account it is not mine. 

I have repeatedly disputed these charges and have even sent in proof that I was part of the Data Breah class action suit against Equifax and my claim was valid I have recieved my portion of the settlement however these fraudulent accounts have not been removed from my credit report.
Product: Credit card or prepaid card

Chase bank changed my credit limit on my Chase Freedom credit card without first notifying me. I have had the card for over a decade and never had my credit limit automatically changed. Upon talking to them via phone they said I had opted in for the service and notified me on my statement, however I : 1 ) was never told or opted in for this service and 2 ) find the credit limit notification intentionally misleading as it is in small font on page 3 of my statement, was vague in nature and did not compare the change to my previous credit limit. Chase regularly sends me general and secure e-mails about my account regarding both spending and term changes, however I never received this important notice about a change in credit limit. As a result, I see this predatory in nature and believe that Chase purposefully hid this change from me. I only learned of this credit limit increase through an independent watchdog service.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX XXXX