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

XXXX XXXXXXXX XXXX XXXX account is reporting inaccurate information. A dispute was initiated with TransUnion. The account information was still not corrected. The incorrect reporting shows missed payments for XX/XX/XXXXXXXX  and XX/XX/XXXX. Now, the account is also reporting a missed payment for XX/XX/XXXX. The monthly payments also change back and forth from $ XXXX. to $ XXXX.
Product: Credit reporting or other personal consumer reports

I have filed so many complaints and this company refuses to fix the problem LET ALONE do a proper investigation. This company is reporting improperly to the credit bureaus. How am I 150 days late, no reporting, CO then back to 120 days late then CO again? According to 15 USC 1681i, you did NOT complete a thorough investigation within 30 days of my complaint to look for any errors and the account now must be removed. See screenshot. I'll also be sending a XXXX document to the IRS for an account audit as well as a complaint to the attorney general and you're next letter will be litigation ill be filing tomorrow. I told you my intent was to litigate and you've given me all the proof I need that you're not doing proper investigating into problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reach out to XXXX and ask them about a dispute that they had investigate and the said the account was verity and i ask them to provide me with the method of verification under the FCRA sec 611 ( a ) and 7 Texas Attorney General
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my Rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,
Product: Payday loan, title loan, or personal loan

Security Finance in XXXX Louisiana Im behind because i lost my job. They called one of my references and left a voicemail discussing my loan amount how im behind and how much money I am behind. they did not ask how to contact me or where i work but told them about my loan.
Product: Debt collection

I am writing to formally dispute and contest the actions of Amsher Collection Service in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations.

I hereby declare that I dispute owing any and all debts to Amsher Collection Service and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between Amsher Collection Service and the original creditor pertaining to the said debt.

It has come to my attention that Amsher Collection Service has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Moreover, I assert that Amsher Collection Service is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ).

In light of these violations and discrepancies, I am formally revoking all rights of Amsher Collection Service to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately.

Furthermore, I request that Amsher Collection Service provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities.

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed. Your prompt attention to this matter is greatly appreciated.

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Product: Credit card or prepaid card

My XXXX XXXX account sent emails asking about my new card. I did not apply for a new " XXXX '' credit card, nor heard of it. I called the card company and the account opened was under my ss # on XXXX. The card company closed the account and are doing an investigation for fraud. No charges were made using the card as per indigo. They recommended I file an official complaint and said the will mail me verification of closed account. They were very nice and helpful.
Product: Debt collection

XXXX   XXXX  reported an account to the credit bureaus without advising that they planned to do so or providing me an opportunity to dispute the debt. I did not receive notification from  XXXX   XXXX  prior to reporting a charge off to my credit report.  XXXX   XXXX  is not in compliance with the FCRA and other guidelines with reporting information on an individuals credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still after several complaints reporting an old address of : XXXX XXXX XXXX XXXX, XXXX  XXXX. Account name : XXXX XXXX XXXX ( Please See Attached Complaints ) Current Address. XXXX XXXX XXXX XXXX, XXXX  XXXX I request you to provide accurate Address information. I am entitled to accurate reporting information. Fair and Accurate Credit Transactions Act of 2003 ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 3 times the following information with the 3 major credit bureaus, XXXX, XXXX and TransUnion, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following incorrect information :
Product: Credit reporting, credit repair services, or other personal consumer reports

The current ten-year HELOC was set to expire on XX/XX/XXXX. XXXX XXXX instructed us to apply for a new HELOC as the expiring HELOC product was no longer available. The new HELOC application was completed and submitted on XX/XX/XXXX, XXXX XXXX responded as follows : > Credit Score created on XX/XX/XXXX through Credit Reporting Agency : Experian > Special Credit Score Disclosure Form > Housing Counseling Agencies Notice > Declination letter dated XX/XX/XXXX > Contacted XXXX XXXX Consumer Lending Department upon receipt of declination letter only to learn that the department generates their own custom credit score using credit reporting information obtained from Experian ONLY! This was the first time an application for credit has been denied for either one of us. Despite debt/income and loan/value ratios exceeding the requirements, the declination determinate was XXXX XXXX custom credit score fell ten points below the banks required minimum score. This news ensued with disbelief as are FICO scores continuously reported within a range of 760 to 820. Further investigations produced the following : > My individual credit score obtained from Experian within days of the declination resulting in a score thirty-nine points higher than the referenced initial credit score from XXXX XXXX. > Credit scores calculated by the other two national credit reporting agencies were ninety and one hundred ten points higher than the referenced credit score from Experian/XXXX XXXX. > On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order Administrative Proceeding File No. XXXX against XXXX  XXXX, XXXX and companies for deceptively marketed credit scores to consumers by misrepresenting that the credit scores it offered and provided to consumers were the same credit scores lenders use to determine creditworthiness, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), U.S.C. 5531, 5536 ; and. Per review of the Experian Credit Report dated XXXX XXXX, unpaid medical bills are listed as current collection debts without any reference to their validity, date of service or expiration via Florida Statutes of Limitations. These same medical bills negatively impacted the initial credit score from Experian/XXXX XXXX despite creditors being prohibited from obtaining or using medical information when making a credit decision per the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

I received an email from Chase credit card company thanking me for opening a new credit card. this was an email sent to my email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, TOYOTA FINANCIAL SERVICES, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid Of my PennyMac loan. Took weeks to show on credit report as paid off. 
Added 3 late payments to credit report which did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XXXX I got a letter that my vehicle loan had been purchased by Santander and that 's when the problems started with Santander. If I was late with payments, Santander called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to Santander to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. Santander wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a charge-off in the amount of {$860.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have no idea what this account is in reference to and/or who this creditor is. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Product: Credit card

I had a Credit Card with Ollo Financial Services. Ally bought/took over XXXXllo Financial Services and I continually received emails that I didn't have anything to worry about my account, I wouldn't have to do anything, Ally would handle the changes. In XXXX, I expressed my concerns with Ally because : 1 ) In XXXX, XXXX, I had completed an interest fee balance transfer to Ollo, paying off a different credit card ( {$2200.00} ). When Ally took over my Ollo account, interest was charged on that balance transfer. I inquired with Ally about the interest being charged. In XXXX, XXXX, interest was charged on this balance transfer at a rate of 27.24 %, but Ollo previously indicated the interest rate on the balance transfer was 24.24 %. Ally failed to respond to my inquiry about the interest. 

2 ) I paid off my Ally credit card account because they ignored my inquiry, but believed I was being charged a fee to retain my account. I inquired with Ally about this as well at the same time ( but they never responded ). I do believe I was in error about them charging me a fee. 

3 ) My account has been in a " HOLD '' status since Ally took over. I had automatic payments coming charged to this account by when Ally took over, those payment were declined because of this HOLD status. I also inquired about the HOLD status of my account since Ally had sent several emails that I had nothing to worry about, there was nothing I needed to do with my account, Ally was taking care of anything. But since they did not responded about the above, they also did not respond about this.

4 ) My Ollo credit card does not work and I was never issued an Ally credit card. I also inquired about the status of a new card but no response on any of my concerns was just that, no response. 

I inquired again in late XX/XX/XXXX about these items and indicated to Ally that if they did not provide me with the details about my inquiries above, I would file a complaint with the CFPB. Ally responded with a letter that I could call them if I had concerns. I do not wish to call them. I tried calling when I first noticed the change to my interest rate and it was impossible to get hold of someone. I want a written detail ; how did they determine the interest on my balance transfer when I was an Ollo Customer? Why has my account been on hold since they took over my Ollo account and why were my auto-charges I set up declined? Why have they not provided me with a working credit card. 

I was very happy with my account with Ollo Financial Services, since Ally took over my account, I have not been able to use it or get answers from this company. Since I was led to believe there truly was nothing I needed to worry about, why has this turned into such a communication nightmare and why were changes made to my account that I was unaware of ( like being placed on an infinite HOLD ). 

I did not document my communication with Ally as thoroughly as I should have because I've never had a Credit Card company completely ignore me.
Product: Checking or savings account

We put in {$50000.00} into a priority account to receive {$700.00} bonus. 
After the time was up to pay us Citi refused-they sent us the attached letter that they would review ( see attached ). We were finally paid the {$700.00} 2 months late in XX/XX/2021. 

We were very upset that Citi tried to cheat us an CLOSED OUR ACCOUNT immediately after XXXX ( see attached ) we were told to write a. check for the balance to close. 

We have received over 10 messages to call them about a problem with our account- we tried to call them over 10 times waiting as long as 3 hours to speak with someone who could not help us. 

We have been charged : money market account fees ( we do not have a money market account ) late fee 's and other fees, overdraft fees amounting to over {$160.00} for XXXX, XXXX, & XXXX after the account was closed. 

Fund balance was {$50000.00}. we closed the account writing a check to close the account for $ XXXXnow we owe according to them {$160.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX {$830.00} date opened XX/XX/year> this company claim that this account is mine but they did not show any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information are 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 accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a savings account with Capital One Bank ( Acct. # XXXX ), which was set up as a traditional IRA. Without any notice to me and without my consent, Capital One transferred the account to a company called XXXX XXXX XXXX, which was something I did not request or want. I only discovered this occurred when I received a statement in the mail from XXXX XXXX XXXX for this account that had been with Capital One 11 months after my money was transferred. 

The problem is that my savings account with Capital One had no fees associated with it and was FDIC insured. However, XXXX XXXX XXXX is charging me maintenance fees, statement fees and says they will charge me an account closure fee if I move my money to another institution. I never agreed to be charged any fees for this account because I opened a fee free savings account with Capital One. These fees are eating away at my savings, despite the fact that I never agreed to my account being sent to a company who would eat away at my savings by charging many fees. 

I contacted Capital One about this on XX/XX/23 and they refused to do anything to refund the fees, saying the account was closed and they could not refund fees charged by XXXX XXXX XXXX. My complaint is not about XXXX XXXX XXXX, but is a complaint against Capital One as they should not be allowed to just send my savings account to some other place that is not even a bank, is not FDIC insured and is charging me a ton of fees that my Capital One account never incurred. I set up this account to save for retirement, but this transfer by Capital One is meaning I am losing money.
Product: Vehicle loan or lease

For starters American Credit Acceptance is saying that I don't have any payments made on the car loan for a XXXX  XXXX XXXX  from XXXX XXXX. But if you go to their website and put in the same email address and password that I used to register with you guys, you will see under their transaction history that some of the payments were not returned to my friends who thought I was getting a raw deal. Under their transaction history there are XXXX payments of XXXX which total to XXXX then they are XXXX payments of XXXX which total to XXXX with both of them together total to XXXX and when you subtract from the price of the car there remains an overpayment of XXXX. Since I made two payments with my chase account and my friends all used XXXX  XXXX XXXX they are saying that I didn't make any payments for the car which I did. I expect to receive the refund by cashier check and the title of my car within the next week or two since it shows that they are in complete error of their data unless they are hiding something from me that they are not showing on their website which is fraud that in itself. Please help me out with this. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credict report and noticedi had fraudulent accounts on my report. please remove these accounts from my report they are hurting my ability to obtain credict.
Product: Mortgage

OnXX/XX/2020 I applied for a refinance of my mortgage with Amerisave. I was provided a personalized rate quote to refinance my first mortgage balance with XXXX and a home equity line of credit with XXXX. Upon reviewing the rate, I agreed to proceed and paid the application fee of {$500.00}. 

For the next few weeks, I worked with Mr. XXXX from Amerisave to provide all the relevant documents that they have asked for, including the payoff statement from XXXX on our HELOC. On XX/XX/XXXX they notified me that our loan is ready to close. However, upon reviewing the terms, the cost of the loan, I noticed that both the interest rate and the cost had changed to much higher than it was originally quoted. I contacted the company and was told that they have made a mistake and because the loan is now classified as cash-out refi that the rate and cost changed. I informed the company rep who I was working with and said that his explanation made no sense because I was notified by XXXX ( HELOC ) that a request for the payoff of the loan was received and approved. At this time, I told Mr. XXXX that I am not going to accept the revised rate and terms and would like to receive my deposit back. 

On XX/XX/20 I was contacted by Mr. XXXX, MrXXXX XXXX supervisor and he reiterated the mistake and offered me a new rate and cost. At which time I shared with them that since I rejected Amerisave new terms, I have applied for and locked a new loan with XXXX. I inquired about my request for a refund of my application and was told that it has been processed. 

Since then, I have contacted the company 3 additional times and each time I was given different answers but still no news as to when to expect the refund.