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

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire or even do an investigation. This is a violation.

The letter sent back was dated XX/XX/19 past 30 days. This company willfully violates the FCRA.
Product: Credit card

I received a Navy Federal Credit Union Credit Card on XX/XX/XXXX but due to Natural Causes ( Hurricane Maria ) I lost my job which led to became delinquent for this account XXXX. The total amount is {$1300.00}. The account its been reported to continue on record until XX/XX/XXXX, despite that the first day of delinquency was XX/XX/XXXX. 

According to FCRA 623 ( a ) ( 5 ) the furnisher shall notify the agency the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Please, I would appreciate this record to be removed at the earliest convenience, according to the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  New Inquiries on my credit report ( XXXX, TransUnion ) that are fraudulent. The companies making the inquiries are XXXX ( XXXX times ), XXXX XXXX, and XXXX XXXX XXXX. The fraudulent inquiries were made XXXX  XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On the first week of XXXX I noticed XXXX transactions on my Bank account at First Horizon Bank XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX which I did not recognized. I immediately went to the bank to inform them and dispute the charges. The clerk informed me that my debit card had been compromised. She took my debit card and destroyed it and issued me a new debit card. However, she did not cancel the compromised debit card. 
The new card was never activated. 
On XX/XX/2022 the bank send me an email informing me that my account had been overdrawn. I immediately went to investigate. I asked the manager to provide me with a statement. It was 9 pages long! Upon examining the statement I informed her they were not my charges. We talked and the manager asked me to file a police report, and the Bank said they would start an investigation once they receive the police report.

I provided the bank with the police report. No one had requested it only told me they were waiting A week - 10 days - later the bank presented me with a check in amount of {$8000.00} as a replacement - I think for cash withdrawals. 
The last XXXX  days, I have contacted the many times over and over again concerning the matter ; only to be told we are investigating and can not give you a date when it will be completed. 
Please investigate and assist me in how to get my funds back from the bank
Product: Mortgage

I closed on my mortgage on XX/XX/XXXX with Finance of America, LLC ( FOA ) for the loan amount of {$400000.00}. I confirmed with my lender that I can make a principal payment at any time after XX/XX/XXXX with no penalty, even if it is before the first payment was made. On XX/XX/2018 I  received a letter from FOA informing me that my loan has been transferred effective XX/XX/2018 and they will stop accepting payments from me on XX/XX/2018. 
On XX/XX/2018 I called FOA to inquire about making a {$200000.00} payment via wire transfer. They told me that they could not process my payment and advised me to wait until XXXX and send it to the new company. I told them that XXXX was three weeks away and that interest for {$200000.00} over 3 weeks at 5.25 % was a significant amount and that I wanted to pay now so I would have to pay that interest over three weeks. They told me that my account was inactive so they had no way of processing my check and advised me to hold onto it because that is all they would do with it if they received it ; they would hold onto it and send it to the new loan company at the end of the month. I told them that this was unacceptable.That my contract says I can pay a principal amount at any time. It does not say that there could be a three week waiting period in which you no longer will have a active account with any loan provider and thus will be without service during this time. I also believe that it is against the law to do this. They basically disabled my account and are refusing to service me, which will end up costing me hundreds of dollars in interest. They should have to process my payment because that's what my contract says. And if they can not do it -- or are unwilling to do it -- then they at the very least they should compensate me for the interest that I will be paying because of their negligent service. I would also expect to get some compensation for having to take hours out of my day to try to deal with this. so far I have spent three hours on the phone with them three times ( trying to get someone who could help me ), an hour on this page and XXXX  page filing complaints, and probably more lots more time until I get this rectified.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and i found this auto loan with a bank in XXXX XXXX i don't live in XXXX XXXX. 

XXXXXXXX XXXX - Account # XXXX
Product: Money transfer, virtual currency, or money service

I purchased a dog from an online XXXX  They accepted card or zelle payment. I selected zelle think it would be safer incase I was being scammed. I paid {$13000.00} for the dog, which was a tri-color Xl bully with green eyes, I was scammed. When I called my bank, XXXX XXXX to report the scam, they told me because it was zelle, I had to contact zelle. I reached out to zelle and they told me there was nothing they could do because I sent the money. Because zelle was fairly new, and attached as a payment option through my bank, I tried to request a a stop payment due to fraud because I never got the dog and gave proof to show emails to the online XXXX  asking for a refund because I never received the dog. My bank denied the request stating that because it was through zelle, I would have to ask zelle to return the money. Zelle once again told me that they cant because I sent the money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt XXXX, which falls under trafficking according to Trafficking-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never notfied me of what was going on i never knew i was 30 days late when i found out there was problem with account i made everything right with it and now am straighting it out s i should be good with it in a few they never called or emailed me with clear ackwolegement as toproblem with acount i found out what was going on by looking at bill and seeing account doubled up to XXXX a month they took my normal payment and kept it separate till i made it good with extra amount due i wouldnt have been 30 days late if they added two payments togetor to take care of XXXX and when i found out i made it current
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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX is a 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 institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' XXXX XXXX  XXXX XXXX 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. ' XXXX XXXX  XXXX XXXX the financial institution and the Consumer reporting agencies XXXX 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 XXXX  XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( 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. ' XXXX XXXX XXXXXXXX XXXX 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 ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ' 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 1681e 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 1681b of this title. ' XXXX is not maintaining reasonable procedures. XXXX is obligated by the FCRA to report accurate accounting. FTC XXXX report is being filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the information was indeed authorized by the consumer, I will be filing form XXXX Treasury XXXX forms to audit consumers account. XXXX is securitizing consumers data yet falling to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 Section 602 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't furnish an account without my written instructions. Under 15 U.S.C 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 


For the Month of XXXX and XXXX The amounts each month are {$560.00} Both are paid
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 15 U.S.C 1681 Section 602 A. States : I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section XXXX States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Product: Checking or savings account

I received 3 overdraft fees in the amount of {$35.00} each for debit card transactions. I opted out of overdraft over a year ago to avoid fees, but they continue to charge fees. They refunded two of the fees leaving one because it was their policy not to. The call was escalated to the executive office, but they responded today that they would not refund the fees either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX years old. South Carolina XXXX Loans then sold these same 3 loans to XXXX XXXX XXXXXXXX. These 3 loans need to be removed too as they are the same debt. Selling the same loan over and over to destroys my credit and is against the law to do. Equifax has all 3 XXXX XXXX XXXX still on my report last dated XXXX/XXXX/XXXX which XXXX has sold to them and need to be removed. I have previously asked that they be removed. We were warned by the refinance agencies that Equifax would be difficult to deal with and they were right. 
I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues. XXXX and XXXX had the decency to remove them. Why has n't Equifax done so? 
Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly.
Product: Credit card or prepaid card

If I have recently made a payment the SYNOVUS credit card website will not allow me to make another payment. I have other CC accounts that let me pay on them everyday if I so choose. I have spoke to SYNOVUS several times about this issue but I get no response.

They have even declared me dead, closed my account, took away all of my rewards points and I never even got an apology.

Back to the payment issue - it is my understanding that a creditor can not refuse payment of a debt or am I misinformed?

I really do not understand their behavior, I have never been late and I always like to pay my balance early so I do not accrue any interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. Equifax advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove a negative reporting from my credit report after repeated phone calls, mailed documents and online disputes. The item that is currently in violation of the FCRA section 605 ( a ) ( 5 ) is a XXXX XXXX XXXX account # XXXX showing a redeemed or reinstated repossession. By law, this account which did not result in a loss to the lender or the sale of the vehicle to offset the loss, does not fall under FCRA section 605 ( a ) ( 4 ) or section 605 ( c ) but under section 605 ( a ) ( 5 ) which only allows the adverse item to be reported no more than 7 years from the date the adverse item occurred. I have attached a detailed payment summary from XXXX XXXX XXXX showing the date of repossession and subsequent reinstatement as well as the fact the account is paid in full with XXXX balance with no loss to the lender. The repossession and subsequent redemptions latest occurrence happened on XX/XX/XXXX which would mean the reporting of the repossession and subsequent redemption should have been removed after XX/XX/XXXX. There were also no further 30/60/90 day delinquencies reported on this account after this date as well. This item still remains as a negative reporting as of this date despite repeated attempts to have it updated to no longer reflect the repossession, reinstatement or delinquencies. XXXX and XXXX have XXXX  updated their files to correctly reflect the paid in full status with no repossession, redemption or delinquencies since the redemption date ofXX/XX/XXXX. At this time, Equifax is in violation of section 605 ( a ) ( 5 ) and subject to civil sanctions if this reporting is not corrected to reflect the proper status of " paid in full with no delinquencies '' to be consistent with the law and what XXXX and XXXX are reporting.
Product: Debt collection

First, I had sent a debt validation request that specifically asked for the " assignment contract '' and they refused to provide this, and they documented their refusal in a letter they sent me. 

Second, I requested a financial hardship discharge on XX/XX/year>, pursuant to XXXX  form XXXX and XXXX. They completely ignored this request, and I have proof of service. 

Third, they are reporting to the credit bureaus while the debt is being disputed, and after I requested the financial hardship discharge.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial deceptively up sold me on products for a car refinance loan that they claimed I could cancel at anytime. When requesting my debt validation they only sent me a copy of the contract that did not list any of the products that they added on and only refunded part of one product. They then told my that the refund would make no difference to the loan. They refuse to refund upwards of {$15000.00} because of their deceptive and unfair practices.
Product: Vehicle loan or lease

Ive banked with cadance bank in XXXX al. For years. Even before they bought the bank when it was people state bank. Now they say I still own over {$10000.00} on a loan that they dont have any thing on the note other than a XXXX  XXXX XXXX that they gave me permission to sell over 9 years ago. I dont owe them this money. They have been debiting my bank account which is not their bank for over a year on this so called loan. Please help me get this resolved. The payment is or has been over {$700.00} a month and I cant afford this. Thank you!!
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX, payment was mailed to original creditor and they returned check by mail and in XX/XX/XXXX they informed me to notify collection agency. I then mailed collection agency 3 payments totaling the full amount. Each check included pay to delete contract and memo for pay to delete if checks were cashed. Agency cashed checks and failed to delete with all three credit bureaus. Checks were held and not cashed for weeks.The agency then reported the the debt to all three bureaus which seemed ridiculous, uncaused for, and malicious. Proof of mailed checks, cashed dates, etc. attached.
Product: Debt collection

I received some collection calls regarding a debt who does n't belong to me. I want the calls to stop and the debt removed from credit reports immediately. I ca n't keep received some calls of treated daily.
Product: Credit card

i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending XXXX was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted XXXX on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for someone to check it since i can not wait on hold all day i wanted XXXX line now there is a hit on my credit card line.
Product: Mortgage

Today, XXXX XXXX, XXXX XXXX people came to my home and refused to leave after I informed them they were trespassing and loitering. Not only did they not immediately remove themselves from my property, the adult male proceeded to walk around the exterior of my house and peek through my windows, a classic peeping tom move, and contined to jiggle my door knob trying to open my front door. These are the same XXXX of the XXXX people who came to my home on XXXX XXXX, XXXX. I told these XXXX to leave and not to come back. After the adult male told me I have to leave ( meaning I must vacate the property ), I told him if they believe they have a right to place themselves on this property to take the matter up in California XXXX Court, but to cease and desist bothering me about it by coming to my home harassing me. I have made it clear to these people I have nothing more to say to them and anything they may have to say to me is most appropriately said in court, not on my porch. 

XXXX ) Invasion of Privacy. 

Bank of America has caused all manner of folk to come onto my property since the unlawful recording of the Notice of Default of XXXX XXXX, XXXX as dual tracking is prohibited since the modification process has not yet been completed. And now I am being told to get out of my own home. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.