23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My business severed its relationship with Bank of America in early 2016. At the time, we had a {$0.00} balance on all of our accounts. In XXXX of 2016, Bank of America sent us a collection notice for merchant services. 

We informed Bank of America at that time that the debt was invalid and that we do not have any open accounts with the bank. 

Bank of America provided no response to that letter, but today I received a collection notice for merchant services. 

I have enclosed our correspondence with Bank of America for your reference.
Product: Payday loan, title loan, or personal loan

The company Lending point only requires a XXXX score my score is a XXXX points higher and they declined me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX XXXX XXXXXXXX ( Account # : XXXX ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with XXXX XXXX XXXX XXXX Account # : XXXX ). Despite my previous disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Experian has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case. 
Discrepancies The following discrepancies have been identified : Date of Last Verified : Experian has failed to provide a last verified date for this account, leaving it blank. 
Date of Last Activity : Reported as XX/XX/XXXX, which is inconsistent with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information with TransUnion several times in regards to this fixing my public records TransUnion has refused to correct this information several times. They are violating me by the FCRA I made a complaint to the third party agency also that supplied the information to TransUnion which was XXXX they also sent me information that I have attached to this complaint. TransUnion is refusing to fix this issue after several complaints that the information is in fact inaccurate. I will continue to dispute this with the CFPB until the issue is corrected. I filed bankruptcy in XXXX and I was granted a discharge, case # for that case is XXXXXXXX XXXX XXXX  discharge in XXXX which TransUnion is not reporting that one but the one I filed in XXXX case # XXXX that was denied a discharge they are reporting that one as a XXXX XXXX  discharge why by law if I was granted a discharge in XXXX I was denied a discharge in XXXX because I was not eligible.
Product: Vehicle loan or lease

On  XXXX   XXXX   2017, I  applied for pre-approval for an auto loan from my bank, USAA. I was preapproved for a range from {$40000.00} - {$6000.00}. Right on the web site it said that this was only a preapproval and I was not guaranteed any specific amount until I selected a vehicle and finalized the loan with a USAA loan officer while I was at the dealership. The next day  XXXX   XXXX     2017, I did  every step that USAA said to do, went to the dealership, and finished by talking on the phone with a lady who represented herself as  a USAA loan officer whi le sitting at the dealership. I gave the loan officer the VIN number of the vehicle, permission to pull my credit report, and all the other information she requested. At the end of the conversation she guaranteed me a final loan amo unt ( {$43000.00} ),   term ( 84 mon ths ), and rate ( 3.8 4 % ). I asked her to confirm the rate and term several times in front  of the dealership financial manager. Based on the guaranteed rate and term provided by the USAA Loan Officer, I closed the deal and purchased the vehicle. After four days ( when it is too late to return the vehicle without penalty ), USAA sent me a document entitled " Addendum to Note, Disclosure, and Security Agreement, '' with a completely different rate and term than the ones I had finalized with the " Loan Officer. '' I immediately called USAA, and they refused to adjust the rate and term to the one agreed to by their representative, because they said I had already agreed to a rate and term the night before I went to the dealership, and the " Loan Officer '' had no authority to supersede that on the phone. I understood the work I had done the night before to be a preliminary preapproval and that the loan terms would be finalized on the phone with the USAA Loan Officer just as we did. Otherwise, what would be the point of the phone call? I believe this to be a fraudulent, " Bait-and-Switch '' tactic to switch people into whatever rate and term are most advantageous to USAA after the loan has been negotiated.
Product: Mortgage

This is in regards to Loan #  XXXX  with  Plaza Home Mortgage Inc .   On  XXXX   XXXX   XXXX ,  XXXX , the home owner completed and submitted a loan modification packet with the assistance of a housing  counselor to Plaza Home  Mortgage. On  XXXX   XXXX , the home owner informed the housing  counselor that Plaza  Mortgage was requesting updated information, and the home owner and housing cousnelor submitted the requested information/documents On  XXXX   XXXX ,  XXXX . On  XXXX   XXXX , writer spoke with a representative from  Plaza Home Mortgae , and the represntative stated the homeowner will need to resubmit the entire packet with updated documents  (  bank statements, pay stubs, etc ) as well as have updated signed documents. On  XXXX   XXXX ,  XXXX , the documents requested by  Plaza Home Mortgage were emailed to the loss mitigation Dept. of Plaza Home  Mortgage. On  XXXX   XXXX ,  XXXX , housing counselor spoke with a representative from  Plaza  Mortgage. The representative provided the housing  counselor with a list of items needed for the loan modification. Housing counselor noted that some items identified by the representative have already been submitted to Plaza Home  Mortgage. The representative stated that the forms needed to be signed and re-dated. On  XXXX   XXXX ,  XXXX  the documents requested were emailed to P { laza  Home Mo rtgage. On  XXXX   XXXX ,  XXXX ,  Plaza  Mortgage was requesting yet again more documents/information from the home owner. This was submitted via email by the housing counmselor on  XXXX   XXXX ,  XXXX . Finally, On  XXXX   XXXX ,  XXXX , housing  counselor spoke with a representative from Plaza Home  Mortgage and the representative stated the application is missing documents. Writer asked the representative to identify the documents needed. Housing counselor noted that the documets had been submitted via email over the months of  XXXX   XXXX  and  XXXX   XXXX , and the documents were submitted by the housing counselor on the home owner 's behalf.
Product: Credit reporting or other personal consumer reports

This is my second time submitting this complaint to XXXX XXXX  and I do need it resolved as soon as possible. The previous response I received says that because I submitted my information, I gave them authorization to report a hard inquiry. This is absolutely not true. On XX/XX/24 I did a PRE QUALIFICATION check for XXXX XXXX  through XXXX XXXX. It specifically said it would not affect my credit and would not be a hard inquiry. This was written in big letters, before I submitted my information, see attached screenshot of website. I now have a hard inquiry on my Equifax credit report. This is impacting my credit negatively and I did not authorize this. I need this removed as soon as possible please. Thank you!
Product: Mortgage

I am a XXXX XXXX XXXX teacher and have been in the process to purchase a home since early XXXX. I was cleared to close Monday XX/XX/XXXX with caliber home loans. While I was at the closing table the lender found out that I just went on XXXX leave and wants to deny my loan. I have had multiple letters written by my supervisor and human resources stating my pay and that I will be paid at 100 % during my leave. I feel as if everything was fine I was at the closing table and as soon as they found out I had a baby they wanted more documents and pay stubs. I send in the documents and it doesn't seem to be enough. I am now waiting until I am paid again on XX/XX/XXXX to hopefully close then. My lease it up XX/XX/XXXX. So I will now have to move in 1 day with a XXXX week old XXXX XXXX. I feel as if I am being punished for having a child and I am experiencing a lot of stress making sure we will have a home next month.
Product: Student loan

I called Navient and the customer service representative misrepresented the company when I called I ask if this was in regards to my student loan and she said no I need you to verify information before we can talk to you. I refuse to do so because I know that Navient is a government contractor for the federal student loans department. My current loan is with a in good standing with XXXX. I have no desire to transfer or do business with Navient. They are harassing my harassing me at work by making phone calls and harassing my spell by calling his cell phone. I asked that they remove my work and husbands phone number and to not contact me any further. The representative said the calls will continue but she will mail a letter explaining the reason for the call. I know what Navient is proposing and I do not want their service. I want them to stop harassing me at work and my husband. I want all communication including phone text work mail correspondence I want it all to stop immediate.
Product: Debt collection

XX/XX/XXXX I contacted XXXX XXXX XXXX, IC Systems and XXXX XXXX XXXX ( XXXX ). These companies are reporting a debt that is NOT mine ; the SAME debt actually, just separately with two different amounts. I verified the social security number with each of these companies and it was confirmed that its not mine. When asked to speak with a XXXX, I was told the SSN doesnt matter, its up to the credit bureau as to whether or not they report it under your name! This is fraud and Id like my credit report updated and corrected immediately!
Product: Debt collection

I have been a victim of Identity theft. I have sent in FTC reports and Police reports but the results of the investigation has been verified. I need these collections validated. I have no knowledge of XXXX XXXX XXXX XXXX, OR MIDLAND CREDIT MANAGEMENT. I have no debt with these companies nor the companies they represent. No one has been able to provide me with a contract verifying the stated debt. Please have it removed immediately. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested In processing disputes on my credit report to help remove negative items on my experian credit report. checking my file ive noticed alot of inaccurate information on my credit report with experian. review the items in the files an remove the data listed asap.
Product: Student loan

I have XXXX loans with Sallie Mae. When applying for each loan, I asked for a fixed rate and both loans are variable rate.
Product: Checking or savings account

I went to make a payment in a chase branch Friday, XX/XX/XXXX The branch manager came to the window, gave me a case number and told me all of Your account will be closed effective XX/XX/XXXX. I asked for a reason she said you can call the number on the back of your card. I called them. They said the decision is final no reason provided that includes my personal checking savings account personal credit cards few of them business checking account business credit cards few of them Credit card merchant account The case # they gave me XXXX
Product: Debt collection

There are collection debts on my credit report, and the credit bureau isn't providing me the information requested according to 15 US Code 1692g. I have sent them Identity theft and police reports, and no action has been taken to remove the error from my credit report.
Product: Checking or savings account

So today XX/XX/2024 when I tried to see how my investments are doing I get a message saying my account is restricted I cant use it cant transfer my money out nothing when I talked to a representative all she told me was it under review and thats it I need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account information with these collection companies and credit bureaus. 

This collection companies is violating the FCRA mandates Inaccurate Information-Errors include incorrect activity dates, account status, ammount owed, past due amount, date of last activity, etc Incomplete Information-Fields are left blank Unverifiable information-There is no contract with these people. My identity has been stolen and I have so many inquiries into my credit report from companies. I have misspellings of my name. 

This company must STOP reporting this account on my credit report immediately.
Product: Debt collection

This weekend, I learned that an account I had with Macy 's department store, financed by Citibank, was made an active collection account. This account was included in XXXX XXXX XXXX  almost three years ago. When I contacted the company to learn what happened, I was told I could only obtain information concerning the account if I could provide an account number/transaction amount/last payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar/Mr. Cooper shows late payments on an old, closed, fully-paid-off mortgage. These were deferred payments offered by them during Covid. As I understand it, there should have been a code identifying this as Covid-related so that my credit report/score would not be adversely affected. I believe my score has been negatively affected by these " late '' payments on my history. 

I have raised a dispute, twice this month, with XXXX, but other than different months marked late or different final payoff amount, I don't see any change in my creditworthiness. I am still considered being a late payer with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 was a fraudulent charge of {$43.00} to XXXX made on my credit card after I didn't use my card over a year on XX/XX/2023 I realized the fraudulent charge after citi cards called me that I'm late on payment I told them I didn't used this card over a year how I can be late so they told me about the XXXX charge I dispute it and they credit me back the XXXX charge plus all interest and late fees. Then I realized that they reported that I'm late over 30 days on my credit reports so I called them up a lot of times and telling them that its was a fraudulent charge and I didn't use this card over a year and I realized this charge after they called me on XX/XX/2023 so they should take off the late reporting on my credit reports but they haven't
Product: Mortgage

We closed on a home equity loan. When we went to activate the loan and get a check for the closing on a property we told the teller that we wanted to lock in a fixed rate. She gave us the rates that day and we selected 20 years fixed. The check was issued and sent. We thought we were done. 
The first few months the bills came and were what we expected. The next month the amount went up. I asked the bank about it and she said you must have read the wrong line and over paid. The next month the mortgage payment was way higher. I went in to the bank. She looked up the loan and she said you have an adjustable rate. I said youre wrong I told them it is a fixed rate. The manager looked up paperwork and said I didnt sign papers with the teller so I have an adjustable rate. I said the teller did not give me papers to sign. The manager then my issue in to the complaint office. When the corporate people called me they said the teller could not give me papers to sign because the check had to clear first. Corporate said the bank should have told me to come back in 3-5 days after the check cleared and at that time the manager should have given me the papers to sign. I went back to the bank and told the manager what corporate had said. She replied that No One Ever Told Her That. I asked how do we fix it now. She said we could lock in a new rate that day but it would take 2.5 months to activate. So now we are paying a rate that is going into effect next month and we have already paid thousands more than we should have and will continue pay thousands more over the course of the loan. How can the people of the local bank not be trained properly to close a home equity loan or do they do it on purpose to make more money????
Product: Debt collection

Has Chase changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Chase allowed multiple payments in a very short time by thief who then exceeded credit limit and then blamed me for making the false payments.
Product: Credit card or prepaid card

I returned two items to Nordstrom via USPS on XX/XX/XXXX, tracking for the returned item/package states it was received on XX/XX/XXXX. Through multiple contacts to Nordstrom chat and customer service line Ive been given different time frames for when my return will be processed. Its now been 34 consecutive days and 24 business days since I provided my return via usps, the FAQ section on the Nordstrom website states returns are proceed 10-14 business days, we are now 10 business days past the maximum business allotted to a return as per the FAQ section. On my Nordstrom card I keep receiving a charge of interest for this purchase when I do not have the item with me and I returned it once I received the return label. On XX/XX/XXXX I was told via a chat with the Nordstrom customer service that I should expect a return by Tuesday XX/XX/XXXX, it is now Tuesday XX/XX/XXXX and I place a call to Nordstrom customer service only to be told that only one item was returned and I should be receiving a gift card in the mail for it ( WHEN I PAID VIA A NORDSTROM CARD, I should be refunded in the method of which I paid ) and that the other item that was returned together, had not been processed and THIRTY days later they could still not tell me why. With a pandemic in place Im unsure where the logic of giving a gift card makes sense if I made a return because I didnt like the item and the item was approved for return because Nordstrom provided me a tracking label, that means I need my amount cash/credit paid returned as it was provided not at the choice and discretion of Nordstrom as they please. Im saddened by Nordstroms customer service and lack of communication between staff and towards the customer. I have not received any update on this return, not one email after I was sent the tracking number. And each time I call customer service each person I speak to is lost on the matter and does not understand why Ive been made to wait so long on a return.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 card or prepaid card

I tried to sign into my bank account on XXXX. I was not able to get in so I called my bank. My pin number, email address, username, phone number and address were changed without my permission. While I was on the phone with my bank, someone transfered {$480.00} from my savings to checking, then {$480.00} from checking to a XXXX account using a debit card I am not familiar with. Their own fraud dept called me asking if I changed my address and I told them I did not. I disputed the transaction immediately. I was informed on XX/XX/18 that my dispute was denied and I was sent an email saying " Our records show that the transaction was initiated from a phone number, IP address, or device linked to you. '' They sent me detailed IP transaction records. Someone else 's phone was used to steal my money.
Product: Debt collection

On XX/XX/2020, at approximately, XXXX, I received a return phone call from, XXXX XXXX , Chief Compliance Officer, current creditor for Pendrick Capital Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. My goal was to get the correct contact information of Mr XXXX 's agencey. He brought to my attention an issue that led me to filing this complaint. 



Initially, he stated that he listened to all of the phone calls at his agency along with the Debt collector phone calls and stated that they all identified themselves and stated what company they were calling from however l brought to his attention that that was not true and encouraged him to go back and listen to the phone call made on XX/XX/2020 at XXXX XXXX, where the representative did not identify what company he was calling from or who he was calling on behalf of and was very rude and nasty and even went so far as to say when asked, " what company are you calling from? '' he stated " Never mind what company I'm calling from, is this XXXX XXXX!!!!! '' which is attached to this complaint. I did inform Mr. XXXX that I'll be more than happy to accept his apology after hes listen to the recording.

The concerns I raise are Abusive and/or Unfair Practices violate the FDCPA : Calling or contacting you without disclosing that they are debt collectors trying to collect a debt