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

I have a right to exercise my privacy. My privacy was violated. The credit bureaus never did any investigation or show proof of the investigation. It's been over 90 days. I will like for this to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Errors in identity data such as wrong name phone number or address. In counts account from identity theft. I am reporting all my credit reports using FLA Laws. XXXX and XXXX, TransUnion.I was hacked by XXXX XXXX XXXX XXXX which exposed all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.
Product: Debt collection

I would like to submit a complaint against ( XXXX XXXX XXXX ) regarding unknown cable account ( s ) XXXX, XXXX and XXXX for {$670.00}, {$780.00} and {$500.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( XXXX XXXX XXXX ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( XXXX XXXX XXXX ) a certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/2018 requesting validation of the account ( s ) ( XXXX XXXX XXXX ) reporting on my credit report ( s ). ( XXXX XXXX XXXX ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditor ( s ) XXXX XXXX listed on my credit report ( s ) that ( XXXX XXXX XXXX ) claimed to be collecting for. XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) with them. Which I knew before contacting XXXX XXXX. I have not had an account with XXXX XXXX for over ten to eleven years. 
I advised the XXXX representative I was speaking with via phone, that XXXX XXXX XXXX was reporting three collection account ( s ) on my credit report ( s )  claiming to be collecting because XXXX XXXX sold/assigned the account ( s ) to them. The XXXX XXXX representative advised me there was no way XXXX XXXX XXXX would or could be attempting to collect on any account ( s ) that are over ten years old and in addition XXXX XXXX has absolutely no records of assigning any account ( s ) in my name to XXXX XXXX XXXX. Moreover, the XXXX XXXX representative stated cable account ( s ) /collections are uncollectable after three years in Louisiana due to the state statute of limitations and a seven-year federal statute of limitation for reporting to consumers credit reports. Therefore, ( XXXX XXXX XXXX ) have violated several state laws, FDCPA and FCRA. ( XXXX XXXX XXXX ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before ( XXXX XXXX XXXX ) reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect debt/account ( s ) beyond both state and federal statute of limitations. 
These erroneous entries by ( XXXX XXXX XXXX ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, XXXX has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through Transunion, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.
Product: Vehicle loan or lease

I bought a car on XX/XX/year>, and it failed the emissions test on XX/XX/year> because it has a defective engine that needs to be replaced. The dealer told me he would repair it, but he didnt. I want to cancel this purchase and return the car. 
I paid {$1200.00} as a down payment and {$7000.00} through financing.
Product: Money transfer, virtual currency, or money service

Someone stole my phone and changed my cash app information to theirs. I immediately alerted cash app and told them what had happened. I have sent multiple emails asking them to close the account, if they are unable to close it, to move it back to my name. I provided them with the information they needed for the person that stole the account including user name. I have been emailing them since beginning of XXXX. They continued to have a new rep respond each time and ask the same information over, and over. then I was sent an email that it would be resolved in 30 day they had a higher than normal volume of complaint. Now they refuse to respond to a single email, they wont tell me if the account is closed, where my stimulus check is. Nothing.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid information that is hindering my credit profile. this has been a issued that ive reported multiple times an no action has been taken place. all of the information listed is reporting inaccurate an illegal to my credit report. please review an remove the listed items to help clear my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus ( XXXX, XXXX, and TRANS UNION ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
Product: Debt collection

On  XXXX / XXXX / XXXX , I received a summons fro m my county  from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from   XXXX   XXXX   XXXX   , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker.    XXXX   XXXX   XXXX   XXXX    and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On  XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a  XXXX   XXXX  business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions,    XXXX   XXXX   XXXX    team member  ( s  ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.
Product: Bank account or service

XXXX/XXXX/15 - TD Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other TD Bank account I share with my son. 

XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ). 

XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to TD banks representative which brought my negative balance to {$45.00} approximately. 

XX/XX/XXXX - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered. 

I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. 
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.
Product: Debt collection

These people call me trying to collect from someone named XXXX XXXX. Apparantly she had my number before the cable company gave it to me. 
I Have asked them repeatedly to put me on a do not call list and they assure me that they've done that yet I still get calls at least three times a week and usually from someone with a really poor attitude.
Product: Mortgage

XX/XX/18 - Contacted by XXXX XXXX XXXX at Caliber Home Loans regarding applying for a USDA mortgage. He assured me that his firm was familiar with the bankruptcy/foreclosure exceptions and exemptions for USDA loans involving regular or manual processing with or without GUS.

The property in question was not reaffirmed in the Chapter XXXX.

XX/XX/18 - XXXX XXXX reported that my mortgage application was denied due to the foreclosure. He stated, " USDA is a hard no until your foreclosure is 3 years old '' ( XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ) and " I dont think you get It! I had USDA underwriting look at it and they dont feel your reason for the hardships are sufficient enough reason for foreclosure '' ( XXXX XXXX XX/XX/2018 ). The foreclosure is an irrelevant issue as stated below in the USDA guidelines. Further,  XXXX XXXX has ignored my requests to receive further explanations from the party ( ies ) that made the erroneous decision. My bankruptcy was caused by unemployment ( layoff ) followed by underemployment, plus the three-year window has already passed for the Chapter XXXX. Again, the denial for foreclosure was an error by Caliber.

USDA Guidelines - " When a Chapter XXXX   bankruptcy absolved the mortgage debt for the applicant, any foreclosure or remaining foreclosure pending is an action against the property, not the applicant. The foreclosure action is not considered as an indicator of unacceptable credit in the applicants evaluation. A loan underwritten with the assistance of GUS will not be required to be manually down-graded when the bankruptcy discharge included the mortgage debt. ''
Product: Credit card

Chase said they sent me a request for information for my Chase XXXX XXXX by mail that I did not receive. Because I didn't respond to my letter, they closed my account. I did not realize it was closed until more than 30 days had gone by, and because of this they say my approximately XXXX Chase Ultimate Rewards points that I had earned had been forfeited. I would just like them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the two Bankruptcies with XXXX XXXX Equifax and XXXX  that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX authorize the CFPB to act on my behalf! moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU OF Opened Date XX/XX/2013 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU OF was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to privacy and i never have Possible finance permission to furnish a report on me. 
15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Possible finance never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 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 21 days before the payment due date.
Product: Vehicle loan or lease

I my car on XXXX according with the note the total cost of the car was {$31000.00} with monthly payment of {$830.00}. During the pandemic I was struggle to keep all my finances on place. I decide to do Bankruptcy during the bankruptcy the bank refuse to take payment I save the money after the discharge a give them a call I was informed I need to make a payment of {$2700.00} which I made as soon a make the payment I call them to make sure everything was in order. Per bank rep I need to pay a total almost of {$7000.00} which I explained that was not the amount I was told. Per supervisor I would be fine they have to granted the amount. On XX/XX/XXXX I decide to call the bank to verify the payoff of my car, I was informed my car was in repossessing status and I need to make a payment of {$5600.00} I ask why my car is in repossessing when I have being making my payment. Per rep the car has being in that status since XX/XX/XXXX because I failed to pay the other {$5600.00} back in XXXX. I'm being requesting to see my payment online they stated they don't have that option they can email to me. Per Credit acceptance rep I'm still owe {$35000.00} for this vehicle, do to the total cost was {$59000.00} at the end of the loan term. I verify with my financial institutions I already pay almost {$26000.00} for this car. I have stop the XXXX payment until I can get legal advice because I being pay for a car that can be picked up at any time and this people don't even send me a letter to let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the credit report I pulled on XX/XX/2020, I see at least 2 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!
Product: Debt collection

i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.
Product: Credit card or prepaid card

I currently have XXXX American Express Membership Rewards points that are frozen. I called and inquired about my account on XX/XX/XXXX, and was told by a customer service representative that I was under a spend review, which subsequently locked my ability to transfer points to an airline or hotel partner. It seemed to occur after I had initiated a transfer to XXXX XXXX in the order of XXXX or so points. On the phone, the representative assured me that the process would take between 8-10 weeks, which is absolutely ridiculous for a consumer facing company with ample resources. On XX/XX/XXXX, I attempted to perform a rewards point transfer and was again denied. After calling in again to find out what the issue was, I had no resolution until I escalated to a supervisor. However, my issue is still unresolved and my points are unusable.
Product: Credit reporting or other personal consumer reports

Hello I am looking at my credit report and these are the astronomical amount of inquiries I, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, CT did not authorize. I do not recognize these companies at all and I need all of these removed from my report. It has been hindering my ability to live a normal life and extend my credit to companies. There are too many for me to type so I attached 4 images. Please help me I have no open accounts with any of these corporations. Thank you!
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion as well as XXXX  needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX  reported correctly and transunion and XXXX has not. XXXX XXXX XXXX needs to notified transunion  and XXXX  as a XXXX balance and a paid and settled charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

There's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need XXXX  to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Product: Debt collection

This account was sold to a collection agency who does not have an account with me. I am not responsible for paying this creditor company anything. This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : 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
Product: Vehicle loan or lease

In XXXX of XXXX, I was notified that the limited power of attorney paperwork was not correct. They said it was missing my name at the top. The trouble was, it was prefilled with my name and that of the Co-Title persona name. 

They claimed I didn't fill the name at the top of it out correctly. Lie, it came populated with my name. Then they said it lacked my address. Lie. It came populated with my address. So I looked at what they had in my account for the limited power of attorney. The paperwork was blank. No car information and no notary. So I told them to send me the original paperwork back. They sent me the blank documents with a nasty note. When I called to file a formal complaint, they went through my entire application and verified everything was in order. But, they were going to have an upper manager call me back the next day. The next day came and no call was made. So I called them back. And they didn't call me back because I was going to send them te missing paperwork? And they couldn't send me the paperwork back, showing me they lied, because I didn't have a fax machine at my house! Lies and more lies. Don't do business with them!
Product: Credit card or prepaid card

Can you just believe that this crazy bank - bank of america doesn't have a regular way to make the timely payments when the payment is due for the statement balance? And this is not some coincidence but complete UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices. ) violation which can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. 
In my case I almost missed the payment for my card ending in XXXX. When i contacted Bank of America person via chat, rather than helping me, they sent me a useless email which has all the instructions to setup for mobile application. Worst thing, when the customer is on that page to follow the instructions, chat disappears. 
When I was not happy with my chat experience as it is slow and disappearing, Bank of America, Mr. XXXX disconnected the chat. 
Then i called Bank of America. Initial person couldn't solve this issue ( so one can understand how difficult it is to make the auto pay as the Bofa employees themselves are not understanding it XXXX. When the Technical support came in, they are also not very helpful, they are asking me to open some Bank of america checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the the pandemic, i wasnt able to work because i contracted XXXX. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit score