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

In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.
Product: Prepaid card

I purchased a {$50.00} Amex gift card. I have tried using it at several retailers, and it gets declined every time. 

I searched online about this problem, and the problem is widespread -- there are thousands of reports that these cards are not honored anywhere and Amex refuses to resolve customer issues. I don't want to spend several hours on the phone with Amex only to have them deny any claim. I want my money back.
Product: Payday loan, title loan, or personal loan

Car was repossessed on Wednesday. Payments were made on Wednesday and now I ca n't get the car back from repossessions people. Ive been calling them for 3 days and car was taken out of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review.

My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete the following addresses : 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the third party because XXXX XXXX XXXX can not be reached but you all are facing multiple violations. 

To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie Transunion, XXXX & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named Transunion, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization named Transunion, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA. PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT IS NOT MINE AND IT REPORTED 30 DAYS LATE ON MY CREDIT REPORT I HAVE CONTACTED THIS COMPANY SEVERAL TIMES I HAVE FILED AN IDENTITY THEFT REPORT FOR THIS ACCOUNT. AS WELL AS XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX AND XXXX XXXX ACCOUNT # XXXX IF THIS SITUATION IS NOT RESOLVED I WILL HAVE TO TAKE OTHER LEGAL ACTIONS. THIS IS NOT FAIR THAT I AM BEING HARASSED AND THAT THESE ACCOUNT ARE AFFECTING MY FINANCIAL STATUS ON MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )
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 : Balance : {$1500.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$5500.00} Account Name : XXXX FCU : Account Number : XXXX : Balance : {$20000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$3600.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX : Balance : {$4600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX 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: Checking or savings account

I made an in person check deposit at the Bank of America at XXXX XXXX & XXXX XXXX. I was told the funds would be available in my account the next business day. The funds were made available the next business day and I began paying bills that were due using these funds. Bank of America then decided to place an extended hold on the deposit and withdrew the funds of the deposit causing payments for bills to be returned. I was assessed late fees. Bank of America refuses to release my funds or credit me for the late fees. Bank of America has done this previously and has been the subject of other CFPB and OCC complaints but has not changed their practices which harm consumers.
Product: Debt collection

XX/XX/2021 I ported my phone services from XXXX to XXXX XXXX XXXX. I had a final bill from XXXX which I paid off in the amount of {$1700.00}. This was paid off from bank card with XXXX XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 XXXX XXXX alerted me that I have a collection from Convergent Outsourcing original Creditor - XXXX. I have contacted XXXX and they have told me that I need to contact Convergent Outsourcing. XXXX refuses to go over the bill with me and Convergent Outsourcing just keeps asking for payment. At the end of XXXX I did receive a paid in full balance receipt from XXXX which I did not keep because I did not think I would need it again. I have attached a copy of my bank statement showing Ive paid them. I marked in RED showing the debit from my account. I have also attached a copy of my XXXX XXXX XXXX initial bill showing when my services were transferred over. Please remove this debt because I owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 Valley National Bank ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Product: Checking or savings account

I am writing to add to feedback to complaint # XXXX. I have consistently communicated with this company ( webster bank ) about the financial struggles I was having to bring this account current and had been consistent monthly payments for several months at the time their decision to offset my checking account, I also made it known to them that I would make extra payments, when possible, to catch up. They knew I was struggling financially and still proceeded to execute an offset amount that completed depleted my account and left me with a - {$450.00} balance in my account and left me struggling to meet all aspects of my basic needs. In their response, they said they were sorry for any inconvenience their actions have caused, but I feel this was just a gesture to pacify a greater, disturbing problem. If they were truly sorry, I think they would have considered the fact that had been making consistent monthly payment at the time of their actions and trying to catch up, and to make a better decision about the amount they took from my account to offset ( {$1000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX. Equifax and XXXX credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX  was provided my drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility
Product: Mortgage

I 've been trying to understand the process for termination of the PMI based on LTV and am getting an unsatisfactory answer.
My understanding is that the LTV is based on the appraised home value or the value of the house that the loan was based on and not the original loan amount. Currently all responses whether called or emailed or mailed have all referred me to the original principal amount ( which was a refinanced amount ).
I 'm looking for the true LTV please. What was the appraised value when the loan was originated ( I keep receiving by mail the original borrowed amount ) and why ca n't we determine value based on the current appraisal by an independent appraiser, or even the current tax bill?
This approach seems deceptive and it seems to obfiscate responsibilities by M & T Bank for additional years of PMI.
Product: Money transfer, virtual currency, or money service

I purchased a Cashier 's Check for {$1700.00} on XX/XX/XXXX from Suntrust Bank. The check was not used for the intended purpose and was misplaced until XX/XX/XXXX. On XX/XX/XXXX, I presented the check to Suntrust Bank, XXXX, GA XXXX XXXX XXXX  for refund. I was told the check needed to be deposited into my account, but I closed my XXXX accounts at Suntrust Bank in XXXX due to poor customer service. In researching my accounts, I was told XXXX of my checking accounts was charged off for {$270.00}, which I disputed as I closed all XXXX accounts at the same time, in the branch. I was told that an item for {$49.00} presented for payment AFTER the accounts were closed. The account was RE-opened by the bank and the item was paid, followed by the assessment of several overdraft fees. The account was eventually closed again by the bank, this time with an overdrawn balance of {$240.00}, and a {$30.00} charge-off fee was assessed. The bank manager informed me that I would need to pay the charge-off, open another account at Suntrust and deposit the cashier 's check in order to get my money back. I requested copies of the account statements covering the payment and fees associated with the charge-off. I was told the statements would be sent in XXXX business days. It has been XXXX business days and the statements have not been received, but what I did receive was a bill for the {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Bureau refused to conduct proper investigation & have these errors deleted from my credit report. I have called this morning, regarding debt collector the bureaus reporting the amount {$820.00}, no contact information is available & unavailable to call or send mail to debt collector but TransUnion refused to delete this creditor. I have a certified letter, returned back to me via USPS.
Product: Credit card

On XX/XX/XXXX, XXXX I attempted to pay my bill for {$1200.00} with my other account and wanted to pay {$5000.00} towards my account and the company denied the payment and closed my account. I was already struggling to pay my bills due {$50000.00} to the economy and inflation and the federal crisis, war and so many other issues surrounding life. Since the company closed my account my quality of life has plummeted.
Product: Checking or savings account

I closed a joint account at XXXX XXXX XXXX XXXX, and opened a single account on a phone call. The bank rep never told me I had to change the funding account and when Ally Bank tried to transfer {$300.00} to that new single account, it showed as a closed account. This was XX/XX/XXXX, and I was told originally it would take XXXX hours to unsuspend the account. Then I was told it takes XXXX business days, and after that, I was told today they need a couple more days twice now. the latest being today. 
In the mean time I cant pay any bills from my XXXX XXXX XXXX account, because I need to transfer the money from Ally. 
They just keep moving the time needed to resolve this issue every time I talk to them. I can't believe it would take this long to unsuspend an account ion the XXXX century!
Product: Credit reporting or other personal consumer reports

Dispute of inaccurate reporting To Whom It May Concern, Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7100.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Chime mailed an unsolicited visa debit card to my home. I had no idea what Chime even was nor did I ever submit a financial application. I immediately contacted Chime at XXXX requested the card be closed and a letter of closure be mailed out. I also requested basic info about the card but was referred to XXXX which sent auto responses unrelated to my requests. I tried corresponding with XXXX unsuccessfully for days. On XX/XX/XXXX I received yet another card in the mail. This one was a visa card and immediately called Chime to report the XXXX card as fraud as well and ask questions on how an additional card would be issued when I just spoke extensively with Chime on XX/XX/XXXX. Chime stated they shut the visa card down and confirmed the debit card was also closed. I requested card closure documentation to be emailed to my attention and I would remain on the phone until email was received, but was told the Chime system would not allow email to go out until we ended the call. I also requested a trouble ticket number and was given # XXXX. No email was ever sent regarding closure. 
Each time I contacted Chime they request personal identifying info such as social security number, name XXXX street address and email before given very vague information regarding the cards created in my name. They would not provide simply info such as when accounts were applied for, how many accounts are open, how much is charged etc Chime is DELIBERATELY CREATING ADDITIONAL FRAUDULENT ACCOUNTS IN MY NAME AFTER VEHEMENTLY REQUESTING THEY CLOSE ALL AND PROVIDE DOCUMENTATION FOR MY RECORDS AND ADDITIONAL REPORTS. At this point I fear more accounts will be opened and additional cards sent out to WHOMEVER is applying. This is identity theft with Chime equally accountable with aiding in this theft by not closing unsolicited accounts upon verifying my identity and upon request. Instead of closing cards Chime continues to propagate the fraud by creating additional accounts. I want it to stop.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unverifiabe late payments reported on my credit file. ( These accounts are listed on the attached document ). The reporting violates the Fair credit Reporting Act ( FCRA ), which mandates maximum possible accuracy and requires proper verification of reported items. Despite my attempts to address this matter directly with the data furnished and credit bureau, no adequate proof has been provided to justify the reported late payments. 

I have attached a detailed dispute letter explaining my case and referencing the specific legal violations, along with supporting documentation. I am requesting immediate removal of these inaccurate entries, as their continued presence on my report cause undue financial and personal harm.
Product: Debt collection

The property owed debit is not supposed to be on my credit and the apartments have sent me the ledger and a email with their letter head stating that the debit is no longer owed and is not valid on XX/XX/2024 and I have a picture of the money order prior to giving the money order to the apartment complex.I then started a dispute with XXXX on XX/XX/XXXX and they stated to that they couldnt resolve my dispute because of the collection agency saying that the debt was valid. I reached back out to the apartment complex on XX/XX/XXXX and she said that she reported to the collection agency that the debt is not valid and should be deleted off my credit report. She advised me to wait 15 days and it should be removed. I waited until XX/XX/XXXX and I reached out to the collection agent. I was advised by XXXX XXXX to submit proof from the apartment complex that the debt was not owed. I submitted the proof that day. Its now XX/XX/XXXX and the debt is still on my credit report as an amount owed.
Product: Credit card or prepaid card

An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. Multiple dispute letter has been sent and company failed to response and failed remove item from my credit file All document has submitted to the company.
FTC Report Number :  XXXX
Product: Credit card

Citi Master Card - XXXX XXXX XXXX ending XXXX. I paid {$590.00} on XX/XX/year>. But, it failed to process again. I contacted the City Credit Card but, I have not received their response to my request. 

it failed to process when I took my trip to XXXX in XX/XX/year> through XX/XX/year> and it failed to process XXXX week ago again.
Product: Credit reporting or other personal consumer reports

My credit report is showing an error that is affecting my payment history on one of my accounts. I have asked the company to correct this but they have been ignoring me and now this is affecting score and I am being denied for a home loan.
Product: Student loan

I was impacted by the subprime loans distributed by Sallie Mae/Navient by for profit school , XXXX XXXX XXXX . Both companies have be held accountable for causing financial harm to students by closure or lawsuits ( XXXX XXXX XXXX ). 

Navient has not been rehabilitated and continues the same deceptive practices.

I've still been paying my loan faithfully but Navient failed to process payments according to our auto agreement, which caused a chain reaction leading me to fall behind and owe more interest. It's been devastating to my finances, dropping my score XXXX points. My rate reduction ended but they were to still pull the updated payment from my account as promised. They did not pull the payment, marked it late and reported unwarranted negative activity on my credit file, even after payments were made.

No matter how much I pay, I can not see any progress on the loans. My federal loans from XXXX XXXX XXXX  ( Same account ) are in the process of being forgiven and refunded because of the disruptive and deceptive practices of the institution. Navient is still attempting to collect on the same deceptive accounts. They have defrauded myself and family for years and are currently putting me at risk of financial ruin.

The current cost of my loan is exponentially greater than the original balance, they are egregiously benefiting from the interest on debt that should be discharged ; the company not processing payments as agreed is just the cherry on top.