23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concerns regarding the overwhelming influx of unsolicited phone calls I have been receiving since applying for a mortgage. The sheer volume of calls from various mortgage lenders received at all hours of the day, has not only disrupted my personal life but has also significantly impacted my ability to conduct business without interruption. In the span of just a day and a half, starting from Monday afternoon XXXX to Tuesday evening XXXX, I have received a staggering 59 calls on my personal cell phone and 43 calls on my business cell phone, totaling 102 calls, all of which have persisted from XXXX XXXX  until XXXX XXXX, and are continuing. 

I am baffled and deeply troubled by how my personal information has been disseminated so widely without my consent, just by having my credit run for my mortgage. This breach of privacy has left me feeling extremely disconcerted and vulnerable. 

I implore you to take swift and decisive measures to address this grievous breach of privacy with all three credit reporting platforms, XXXX, XXXX, and TransUnion. Any guidance or support your team can provide in resolving this matter would be invaluable. 

I trust that you will recognize the severity of this issue and act expeditiously to rectify the situation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I got this mortgage with chase, they report it to the credit agencies as revolving debt, like a credit card. They also tell me that I am not paying the principal amount fast enough since the first month of the loan, even though I pay exactly what my mortgage bill says to pay. I have a letter from Chase stating debt is reported as a mortgage but on my chase app it says just the opposite. Because of this I have lost XXXX points in my credit score even though my record now is better than it was before I got this mortgage. My car loan is reported the same way, with revolving debt and not as a collateralized loan. Nobody at chase I've talked to can answer any of these questions.
Product: Consumer Loan

I got an auto loan via Regional Acceptance in XX/XX/2011 for a vehiclecosting 25,000 and after 3 and a half years of payments, theprinciple on the loan has only dropped {$5000.00} after paying $ 600a month
Product: Credit card or prepaid card

I have filed a fraud complaint with XXXX and they have her recorded stating to cancel the service and now charging me XXXX for equipment she threw out against her for the XXXX and also filing criminal charges for opening a XXXX card with all my information and XXXX says she forged my signature to open the credit card. Fraud Ticket Number XXXX. 
I am on the phone with XXXX to get the application where she signed my name and will go to the police department tomorrow to file charges against her. 

XXXX XXXX AKA XXXX XXXX has open a XXXX Card in MY name without my consent and signed my name she also canceled the cable and threw the boxes in the trash without my permission she is not on either account and just found out about the credit card because its in collections.. I need help please She also fraudility gets food stamps he mom and sister and XXXX XXXX helped her do this and they all work and gte food stamps she tried to get disability until they caught her cleaning houses and now her mother XXXX XXXX is lying to get disability and all se their pain pills. XXXX XXXX and XXXX XXXX all see several doctors to gte massive amounts of narcotics
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened credit account with ExxonMobil in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from XXXX that credit score had been reduced due to delinquent ExxonMobil account. Attempted to log on to ExxonMobil website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted ExxonMobil about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't ExxonMobil notify me of a balance due before notifying XXXX? I sent several messages via ExxonMobil 's website about the above and was informed that autopay never got set up. I called ExxonMobil customer service and asked why ExxonMobil hadn't notified me before XXXX. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for ExxonMobil to let XXXX know that I was not informed about the balance due. Needless to say I have recently re-set up ExxonMobil autopay to forestall the above repeating. My account currently is paid up.
Product: Credit card or prepaid card

Dear Best Buy-Citibank:On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX store in XXXX, Colorado for pick up at the XXXX XXXX in XXXX, NC store. Payment of $XXXX was charged to my Best Buy Credit Card. Exhibit#1-Email receipt for purchase OnXX/XX/XXXXI received an email notification stating my order was cancelled due to the pickup window expiring-purchase not picked up at the XXXX XXXX, NC store. Exhibit#2-Email stating cancellation of purchase.On XX/XX/XXXX I received an email stating a refund was processed for XX/XX/XXXX purchase.To date, this refund was not processed. Exhibit#3.-Email stating refund in process.OnXX/XX/XXXX I walked in and purchased the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX, NC. Exhibit #4.-Email receipt for purchase.On XX/XX/XXXX I returned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased on XX/XX/XXXX at the XXXX XXXX, NC store, as the TV was not working as designed. Exhibit #5-Email receipt for refund of purchase. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of $XXXX.  To date, my credit card reflects a a charge 0f $XXXX. The only charge I should be responsible for is the amount of $XXXX which is the amount of the XXXX XXXX purchased on XX/XX/XXXX. I have not received a refund of my original purchase onXX/XX/XXXX that was cancelled on XX/XX/XXXX. I have faxed documents, spoke to several agents to no avail. I have been dismissed by agents stating there is nothing they can do.I am requesting a swift resolution to this issue as I am perplexed as to why this has not been rectified. This is clear issue of no one taking the time to review the document trail and understanding while the same TV was purchased twice both were returned. I should not be charged for an item I never had in my possession. Again, I am hoping for a quick resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted XXXX XXXX  and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
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. 

List of Unauthorized Inquiries : 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  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 or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report and license to XXXX, XXXX, and TransUnion. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for pre-approval for a mortgage and was informed that they were unable to pre approve me because there is a freeze on my Equifax credit report. I also was trying to get a credit increase for one of my credit cards and they told me I needed to call the credit bureau to release a credit freeze. When I asked the credit company what bureau they used they informed me that it is Equifax.

I called Equifax and they told me there is no credit freeze on my credit report. I requested to get a copy of my credit report. After answering extensive questions for 15 minutes, to no avail I was told that unfortunately you failed the security questions and we are unable to release your credit report to you, please send us a copy of your valid ID and we sill send it to you. I don't understand that if I give you what I know and who I am. Tell you the accounts I know I have.I have no car loan, I have no mortgage, I have 1 credit card in good standing, 4 bank accounts, no student loans, no installment accounts, 5 inquiries one is XXXX, no public records Why am I denied my report? 

I also called XXXX and requested my report via automated system without a problem and I have not received my report. 

I feel that there is definitely something going wrong with with my credit profile and I am not able to access any records.
Product: Checking or savings account

On XX/XX/year> I have filed a claim with Chase concerning funds that was transferred to my account unauthorized transactions and Chase Bank has stated that they reversed the funds back to the Cash App account in which that account was closed since XXXX I haven't received anything from Chase Bank and my funds has been missing since XX/XX/year> I requested that Chase Bank sent my funds to my address on file and I never received anything. Chase has false claim that XXXX XXXX has my funds as XXXX XXXX stated that Chase is lying and Chase never sent me my funds. Please send me my funds.
Product: Checking or savings account

I deposited a check received from someone I know on XXXX XX/XX/year>. Because of the amount of the check, I expected the bank 's hold times for such items. But when that time ended, I asked when the hold would be released and was told that there was something " suspicious '' about the transaction. Since then, the bank will not tell me what is wrong or when the hold will end. Further, I've been given XXXX contact person to communicate with - who seems to have no power to find answers and only defends " bank policy ''. Most recently, my entire checking account balance ( not just the amount of the deposit ) has been " frozen '' making it impossible for me to use my debit card or pay bills like my XXXX bill just this morning, which XXXX told me was declined because of " a frozen account. '' This is extremely disruptive to both my day-to-day life, but my small business and professional reputation! If I were jailed in XXXX, the police would have to charge me with a crime or release me in XXXX hours - it seems my rights here are non-existent!! How can I defend myself ( if they think I'm doing something wrong ) or force them to unfreeze my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not done a complete investigation to the wrongful reporting information into my credit profile.
Product: Debt collection

Jefferson Capital Systems , Inc.a collection agency has reported to XXXX and XXXX credit bureau 's of an alleged debt to a cell phone carrier named XXXX . I contacted XXXX and requested that they send me a detailed report of the alleged services they provided me with the dollar amount they were claiming. I was advised that those records were no longer available due to the age of the of the account. I have requested in writing from Jefferson Capital Systems to provide documented proof of this alleged debt with no response from them.
Product: Credit reporting or other personal consumer reports

THE XXXX XXXX is furnishing incorrect information to Experian that is causing my estate harm. As the trustee it is my job to ensure the heirs to the estate or not harmed. The XXXX XXXX received an application which is a financial asset for the bank and it used as the collateral interest for the notes paid out to the national bank. Since the estate owns all interest, titles, and certificates using the note that is attached to the application for profits is misuse. Since the note is pooled together and sol The XXXX XXXX and XXXX owe the estate.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, AND DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Charge off 's and or write off 's are written to the company as a profit loss this way the company gets a tax BREAK. The company is supposed to issue a 1099-C for this charge off & I never received one. This debt is still reporting I owe a balance even though the company took a tax BREAK for reporting it to my credit profile as a a charge off.
Product: Debt collection

Received mailed debt collection letter dated XXXX XXXX on XX/XX/2024. Letter from XXXX XXXX XXXX XXXX stating they were collecting {$58.00} for a charge owed to XXXX XXXX XXXX XXXX 

I do not have or have I ever had a XXXX account. 

I called XXXX XXXX Customer Service XX/XX/XXXX  and spoke to XXXX. He was able to confirm that the account listed on this debt collection letter is not mine and not owed by me. He sent the account to their Recovery Team for investigation and the account debt will be closed. XXXX said that if the collection agency contacts me again, I am to tell them that I contacted XXXX, XXXX And that they are investigating this matter.
Product: Debt collection

said debt was gaining interest ... when in fact I do n't owe anything at all. also they tried to get my SS number
Product: Vehicle loan or lease

Leased a XXXX XXXX XXXX in XX/XX/XXXX. During the COVID-19 pandemic, I deferred a payment to the end of the term. All my payments have been made on time. XX/XX/XXXX, I made a payment for XX/XX/XXXX due date. Early XXXX I called Chase as the payment had not credited to my account in full. Chase 's Agent stated that they would " investigate '' the claim and fixed the issue, as my bank reported a charge for the exact monthly amount of the lease ( {$280.00} ). On XX/XX/XXXX, I made my XXXX payment for the exact amount of {$280.00}. It is now XX/XX/XXXX, and Chase has yet to credit my account more than {$10.00} despite my weekly calls. Chase has now assessed two late fees to my account, despite my having made payment.For a solution, I would like to see the account credited the full amount of {$280.00}, as well as the late fees taken away, and my credit report repaired. It is unfair to take my money and not credit my account by the same amount I had paid. It is also unethical to damage my credit with " late payment charges '' when I had made my payment for the months in question.
Product: Credit reporting or other personal consumer reports

I've sent documents numerous times to each credit reporting agencies regarding XXXX XXXX XXXX reporting late information on my account which shows inaccuracies of days late payments. They are reporting different days late to each credit reporting agency. If this information is being reported incorrectly than it should be removed from my credit report. Experian, XXXX and XXXX have ignored my documents showing inaccuracies and have not removed reporting information from my report from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding the reporting of a charge-off on my credit report for my Discover Bank account XXXX During the XXXX pandemic, I faced extreme financial hardship as a result of government-mandated restrictions that were out of my control. I was forced to stay home, unable to work, and faced significant obstacles in meeting my financial obligations. Under these unprecedented circumstances, I believe it is fair to request the complete removal of the charge-off status on this account from my credit report. 

Account Information : Creditor : Discover Bank Account Status : Paid and Closed Closed Date : XX/XX/2021 Worst Payment Status : XXXX Days Late Payment After Charge-Off/Collection Dispute Explanation : The XXXX pandemic was declared a national disaster, and its impact was likened to other natural disasters, with widespread economic ramifications. Government-imposed lockdowns and restrictions forced millions of people, including myself, to stay home and limited our ability to work and generate income. As a result, I faced an unavoidable financial hardship that prevented me from maintaining regular payments on this account. 

I made efforts to communicate with Discover Bank regarding my hardship during this time, hoping to receive clear guidance on any assistance programs that could help me manage my account. However, the assistance provided was limited, and despite my financial challenges, I took steps to settle the account as soon as I was able to obtain funds. I believe the continued reporting of this account as a charge-off unfairly impacts my credit profile, given that the circumstances were beyond my control and were directly tied to a government-declared natural disaster. 

Relevant Rules and Guidelines : Under federal guidelines, many creditors were encouraged to provide relief to consumers affected by the XXXX pandemic, given its unprecedented impact. The XXXX XXXX and additional federal relief programs were designed to help individuals recover from the financial impact of the pandemic, with recognition of the extraordinary nature of this national emergency. Given these guidelines, I believe the continued reporting of a charge-off status for this account does not align with the intended support for individuals impacted by XXXX hardships.
Product: Debt collection

I agreed to get credit with 24 months of no interest and after 12 months they are charging $ XXXX of interest plus the credit loan amount. The total credit loan was {$2700.00} approximately. 
I agreed to pay the amount in full not including the {$800.00} for late fee. They blocked me access for my online account and could not see the balance. In addition, I didn't receive any mailed letter and I was not aware of the situation until I see my credit report in bad condition and affected because of this. The credit loan was with synchrony XXXX XXXX XXXX bought in one of their partners.