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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Reservation XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to repair a XXXX XXXX for {$260.00}. They sent me the photo of the XXXX XXXX  which is below safety level. I disputed with the company. Now they sent to a collection agency to collect this amount ( The Receivable Management Services LLC, Reference Number XXXX ).
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each. Financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of those. Customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer reports containing any of the following items of information. Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I hereby express my disagreement with the findings and request the utmost accuracy. I am dissatisfied with the efforts made to contact the creditors responsible for the information reported on my credit file. Therefore, I seek further clarification regarding the following items under question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I hereby request a reinvestigation and update of these disputed accounts. You are allotted fifteen ( XXXX ) days from the receipt of this communication to complete these actions, unless otherwise notified, in accordance with 15 U.S.C. Section 1681i ( XXXX ) ( A ). Failure to verify within this timeframe constitutes non-verification, mandating prompt updating of the accounts as per Section XXXX ( a ). Pursuant to XXXX U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I request notification upon the completion of updates to the items.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act the following companies - XXXX XXXX XXXX XXXX Number XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX - XXXX XXXX XXXX- Account Number - XXXX - Department of Education- Account Number-XXXX XXXX XXXX Account Number XXXX - XXXXXXXX XXXX- Account Number XXXX - XXXX XXXX- Account Number XXXX - XXXX XXXX XXXX XXXX - XXXX  - XXXX XXXX- Account Number XXXX XXXX XXXX XXXX Account Number-XXXX - XXXX XXXX- Account Number- XXXX 15 U.S.C1681 section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency account furnish account without written instructions.

I have submitted a dispute of inaccuracies and to no avail, the report has not been rectified.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed on my Chex systems report, there are several frauds/ or unauthorized information that needs to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given Chex systems permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Chex systems resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Mortgage

XX/XX/year> I am writing to express my strong opposition to the recent rejection of my loan modification application. Your decision is based on unjustified and incorrect facts, and I am providing several reasons why this decision is fundamentally flawed : Delayed Notification : I was transferred to XXXX XXXX after a two-month delay without any notification to me as the borrower. 
Ignored Documentation : The loan modification package I previously sent was completely ignored. 
Overlooked Application and Financial Information : My loan application and financial information were disregarded. 
Lack of Communication on Work Out Plan : There was a failure to inform us that a work out plan was necessary. 
Failure to D

efine Work Out Plan : We were not informed about what a work out plan entails. Poor Communication : There was a com
plete lack of communication regarding the additional documentation required. 
False Rejection : The decision to reject our loan modification package was based on lies and falsehoods, despite us submitting all requested information. 
Lack of Transparency : We received a rejection letter without any clear explanation, leaving us in the dark about your companys processes. 
Online Registration Issues : We have been unable to register online to make payments or view our account. 
Unclear Payment Information : We do not know the payment amounts or due dates. 
Ignored Correspondence : All our emails have been ignored, and we have only received form letters in response. 
Disregard for Hardship : Our hardship letters detailing my wifes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were completely ignored. 
Unjustified Payment Delays : Despite being with your company for less than XXXX months, you claim we are XXXX months behind on payments, which are already too high with a high interest rate, setting us up for foreclosure. 
Unacceptable Options : The XXXX options you offered are totally unacceptable and do not help us keep our home. Your customer service has been poor. 
Given these points, I am filing a complaint with the Consumer Protection Agency to report your mistreatment and predatory lending practices. We have been with your company for less than XXXX months, and it is clear that your goal is to take our home, especially when we are XXXX XXXX. 

I urge you to reconsider your decision and provide a fair and just resolution to our situation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have both Synchrony and Care Credit accounts and my issue is with the unreasonable length of time Care Credit takes to apply larger payments and the lack of proper notice given to customers about this delay. 

As of XX/XX/2020, I was carrying a balance of {$2300.00} on my Care Credit account with a promotion expiration date of XX/XX/2020. Anticipating that I would need to utilize all of my available credit ( {$5000.00} ) for my dog 's XXXX on XX/XX/XXXX, I paid this promotion balance of {$2300.00} online by ACH on XX/XX/XXXX. ( I made this payment from the same bank account that was already registered with Care Credit and from which my previous monthly payments had been processed by ACH. ) In doing so, I noted the following on the payment screen of Care Credit : " Please allow 48 hours for this payment to be reflected on your account. '' Prior to picking my dog up from the hospital on XX/XX/XXXX, I checked the Care Credit website only to see that my available credit had not been updated. I called customer service and spoke to XXXX who told me that it takes 7 - 10 days for a payment over {$500.00} to be credited. I pointed out that there was no notice given of this policy on the payment screen and that my bank had cleared the funds on XX/XX/XXXX. She first said that this policy is posted on their website but then told me it was included in the Terms and Conditions. She told me there was nothing that could be done. I had the same conversation with a supervisor, XXXX, ( who said the payment threshold was {$1000.00}. ) I was told that it would not be possible for me to access my remaining available credit until the payment processed 8 days later. XXXX told me I could request an increase in my credit limit. I stated that I did not want to do this because of the adverse effect it would have on my credit score. Having no other option to pay for my dog 's XXXX and be able to bring him home from the hospital, I requested, and was approved for an additional {$5000.00}. As I told XXXX, if my credit was already going to have to take a hit, I would extend the limit. 

I have two complaints against Care Credit in this situation : 1 ) Taking 7 - 10 days to credit a larger payment is far in excess of normal and acceptable ACH banking time frames. This results in tying up customers ' money for an unnecessary and unreasonable amount of time. Inducing customers to apply for additional credit to cover expenses as a result is anti-consumer. 

2 ) This delay in crediting payments should be noted clearly on the Care Credit website. Failure to include this policy on the payment screen along with the statement that payments may take 48 hours to be reflected is misleading and deceptive. 

I later looked on the Care Credit / Synchrony website for any mention of the 7 - 10 day hold and could find none. It appears that not even the Terms and Conditions are available to be read on the website, as I found a page where I could request that they be mailed to me.
Product: Credit reporting or other personal consumer reports

This account is still reporting on my credit profile, they have bad information on my report. ACCOUNT NUMBER : XXXX Past Due : XXXX XXXX Inaccurate is showing on two separate reports it's a past due showing a collection, Last Reported : XX/XX/XXXX Inaccurate XX/XX/XXXX Inaccurate are also following on my reports from this lender and on my reports.
Product: Debt collection

I received a collection letter from Stoneleigh Recovery Associates about an account with XXXX XXXX, XXXX XXXX. I notified the collection company and I have never had an account with XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/2022, I visited a local dealership to make a purchase. After getting the vehicle information. I submitted an application with Navy Federal Credit Union for an auto Loan. I was declined twice. I called into see why I was declined and was told a letter would be sent out. 

After reviewing this letter, I believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I feel like I dont want to apply for any more credit. I am losing faith in this banking system and I am considering taking my money out of the bank.
Product: Debt collection

I have requested the full complete application on several occasions from this company. I want to see my had written signature and also Any identification that was used to state that this is my account. I sent 3 letters XXXX They have failed to provide any information that validates I signed my so future and provided a picture ID or social security card to get this credit card. They sold the account and now a third party is trying to collect on a debt that is written off and closed.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was victim of the XXXX data breach. L want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted Account # XXXX XXXX XXXX. 
Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. Please delete these accounts from XXXX and Transunion as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander messed up my credit report, long story short, I fell behind on my car payment due to me losing my job which I reported to Santander due to me losing my normal income to receiving unemployment. I kept in touch and after receiving a new job and paying my past due balance, which this payments was reflected in my account they still reported my car as repossessed. So I called about this matter and they stated I needed to hand write a letter explaining this and they could fix this on my credit report which this is on ALL THREE CREDIT REPORTS. I wrote the letter and they stated they do not do acts of kindness for matters like mine. My payments since then have all gone to interest and almost nothing to principal. They have ruined my credit and I have still been paying as I should and my car has NEVER been repossessed and is still in my possession. Santander has messed my credit up so badly I can't even get my first home. And this lawsuit against them for them to pay my car off for their wrongful lending, I was never notified by Santander. I am still paying interest on a car that has jumped up so high unknown to me, that I will never pay it off! XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, Bank of America had a mortgage lender that sent me a preapproval letter that approved me for a 30 year conventional loan for a {$300000.00} home. On XX/XX/XXXX, purchased a {$280000.00} home and I had to put down a deposit of {$2800.00} for earnest money, a {$100.00} nomination fee and I had to pay for a {$400.00} home inspection fee. I paid {$3300.00} and now on the last day of the underwriting process, Bank of America has denied to finance my 30 year conventional loan for the {$280000.00} house. The bank of america mortgage lender has denied to return my {$2800.00} earnest money, he denied to return my {$100.00} nomination fee and he denied to return my {$400.00} home inspection fee. Bank of America committed mortgage fraud because they gave me a pre-approval letter for {$300000.00} and they misled me and committed mortgage fraud and now I'm out {$3300.00}. Bank of America needs to return my {$3300.00} because their mortgage lenders committed mortgage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 months, I have been writing letters to all 3 bureaus XXXX, Experian and XXXX including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.
Product: Checking or savings account

They allowed money to go in my account but wouldn't let me withdraw the money, but claim their banking services are messed up. If that were the case then why would they allow money to go in knowing I couldn't get it back out. That's corrupt. The deposit was made after there XX/XX/XXXX financial situation with other banks, it's not my problem they are under investigation but that doesn't mean you can freeze customers accounts over their wrong doings..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter a letter to Equifax disputing a PO Box address on my account that does not belong to me. I have also forwarded them a copy of my Drivers License that shows my correct home and mailing address. They have refuses to remove the address.
Product: Credit card or prepaid card

Due to 2 unhonred check payments, Capital One closed my credit card account. Prior to this honest mistake, all my payments were in full and on time in cash at the branch. I reached out to Capital One Bank to dispute this and was refused to have the account re-oppened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 JPMCB CARD RE. We need to remove this account.
Product: Credit card

When I signed up for my US Bank XXXX XXXX Credit Card there was a giant ad on the webpage promising me a " last night free '' benefit. More specifically, that benefit allowed a cardholder to receive his/her last night free when booking XXXX XXXX award stays of at least XXXX nights. Enticed by this offer, I signed up and paid an annual fee of {$75.00} in XXXX of 2014. Today, I got my statement in the mail and was told that this benefit is being eliminated effective in XXXX of 2014. I find this to be completely deceptive. US Bank heavily advertises a benefit, gets you to pay an annual fee based on that benefit, and then withdraws the benefit in the middle of cardholder year after the fee is paid. This is classic bait and switch and US Bank should be investigated for it.
Product: Debt collection

I have contacted XXXX  and XXXX  regarding collections against me from Jefferson capital system, they are trying to pass off old collections as new ones on my credit report. One of them is an old XXXX account thats over 7 years old and also a car loan they are not providing the correct amount and are trying to pass it off as a new debt of 2019 which is not accurate I have contacted both agencies and they are not correcting it. My car was bought back by the company and sold they have not included the amount they received from the car sale ... price lease help get the XXXX off my record since the XXXX account is so old it doesnt even show on my report they are trying to pass it off as new debt
Product: Student loan

I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, XXXX is has reported late payments over & gt ; 120 days which is inaccurate and causing a strain on my credit worthiness.
Product: Credit card or prepaid card

Received emails from Chase bank saying a Chase freedom unlimited credit card was opened in my name as well as a new chase private client checking account. And paperless enrollment and account phone number change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was Chase, I had gap insurance with them as well and my insurance company was XXXX.