23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I spoke with an employee at Pendrick Capital LLC and she was very rude. She would not give me an email address, fax number, or her full name. She over talked me the entire time so I asked to speak with a supervisor. This company has repeatedly outsourced a Medical account that does not belong to me and reporting this inaccurate information onto my credit report. A Supervisor contacted me on XX/XX/XXXX. She stated her name was XXXX. After researching the company I find out that her name was XXXX XXXX. She would not give me any transparency pertaining to the company and she deceived me with a fictitious name. She also called me from a New York area code when this company is based out of Virginia and XXXX. She also did not want to give me an email, fax number or full name. Ive been a victim of identity theft and I told this company this 2 years ago. They removed it from my credit after sending them a police report but they continue to shop this account around to different collection agencies that are putting this account on my credit report. This company has a tremendous amount of lawsuits and continue to operate in an illegal matter and needs to be shut down. There website is very vague and gives not much information. 

They have placed a XXXX and XXXX medical account with a company called XXXX XXXX XXXX and it appears on my credit report as if I opened it on XX/XX/XXXX. This is inaccurate and its breaking the FDCPA Laws.
Product: Mortgage

We paid off a mortgage on XXXX XXXX, 2015 and have been following up with a discharge since. We have not received a discharge nor has the discharge been recorded at the Registry of Deeds. Many calls have been made and every time we call, we are told the lien release is being worked on or that we will get a call from a supervisor-no return calls are received. After a loan is paid in full, the bank is obligated to issue a discharge and state law in Massachusetts requires them to do so within 45 days.
Product: Mortgage

This complaint is against Flagstar Bank N.A. at XXXX XXXX XXXX, XXXX, MI XXXX This time, got a letter in the mail asking me to apply for a HELOC. 
Then got a voice mail asking me to check status of my mortgage on line. Checking it only to find that everything was in order. 

Before this, I got letters from the Flagstar bank saying my mortgage were in the process being foreclosed. Contacting the company only to find out that due to increase of property taxes, my last payment was short of a few dollars and they had already charged my hundreds of dollars of late fees. I paid everything and they promised to reverse the late fees and they never did.
Product: Credit reporting or other personal consumer reports

A job offer was rescinded due to criminal record showed up on background report which is more than 7 years old. This negative information is about 13 years old now and furthermore it is an outdated info which impacted my employment with the new company where I tried to get hired. Offer was taken away after background check did not sit well with their internal security team. This is not the first time where I lost the job because of this issue and I no longer can change my current job to newer one due to this roadblock. I need this old outdated criminal record to be removed from my report. Need assistance to proceed further or connect with right department. Please let me know what document will be required?
Product: Credit card or prepaid card

I was informed by agents of three separate accounts that a third-party company that I had no idea or contract with had attempted to make payments on my behalf. All those payments were returned by the bank because they were not authorized by me. These banks then close/shut my account with no explanation whatsoever. 


I am a senior with fixed income and used these credit cards till they were closed. The closure of the accounts has really stressed me and put a strain on my finances. I did not authorize anyone nor any company to make payments on my behalf. The creditor refuses to re-open the account leaving me with very few options to live by.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX  XXXX XXXX Owed : {$3500.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis FS CARD SERVICES failed to give me the proper disclosures under 15usc6802, also known as the Gramm-Leach-Bliley Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to Experian on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/XXXX I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Checking or savings account

My wife had an XXXX account with Old National Bank which we were first told was closed at our request no later than XXXX. Since that time, we continued to recieve account statements and communications from Old National Bank implying that the account was still open. Through numerous contacts with Old National bank over the years since XXXX, no fewer than 4 regarding ensuring the account was closed, we were told that the account was already closed and that there was nothing else that we needed to do. Fast forward to today, we are now recieving letters from XXXX XXXX  which bought the XXXX business from Old National Bank. We are being told that our new XXXX balance XXXX account at XXXX ( which was bought out from Old National ) is inactive and will start being assessed inactivity fees. IF our account was indeed closed at Old National Bank, why was it sold, alongwith all of our personal information, to the new entity?
Product: Credit card or prepaid card

In XXXX of XXXX I was contacted by Synchrony Bank regarding the past due balance on my Care Credit card. At that time they gave me the option to make 6 prearranged, direct debit payments toward my balance in an effort to get the balance current and pay down the amount owed. I agreed to the arrangement and the payment amounts that were quoted to me. Subsequently, I have made all of the payments, on time, yet my balance has continued to go up and is now higher than it was when I began the payments. I contacted Synchrony bank on XX/XX/XXXX to try and understand why this was occurring and was told that if the payments made were not full payments, I would be charged late fees which amounted to more than half of the arranged payments. I stated that they dictated the payment amounts of the payment arrangement and all were made on time so I did not feel that late fees should have been charged. They then told me that they would file a complaint regarding the fees and would contact me further regarding the outcome. I was never contacted. I just received another statement from Care Credit and my balance has once again grown. I called again and was told again that even though I paid my arrangements on time, as they were not full payments (? ), late fees would apply. 
My initial credit limit on this card was XXXX which I used for critical dental work. I have made sincere attempts to pay off the account. I was able to check my bank statements and have the dates and amounts of the payments I have made and confirmed those with Synchrony Bank. 

XX/XX/XXXX XXXX Initial payment of arrangement XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These payments total {$590.00} yet my balance is now XXXX. They were all made on time and in the amount dictated by Synchrony Bank at the time the arrangement was made. I have paid off two other credit cards during this time using similar arrangements without any issue. I am sincerely trying to get my credit in better standing and pay off outstanding balances but Synchrony Bank continues to add fees and my balance is never reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian + XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on Experian Please look into this new complaint as soon as possible
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I was approved, online for a {$500.00} loan. The interest on the loan is 650.4843 % I have already made 8 payments with a total INTEREST charge of {$1100.00} I did make one additional principal payment of {$100.00} on the loan when I saw that the balance of the loan had not been reduced any. I live in the state of Virginia and have learned that this company is violating usury laws of Virginia where the maximum interest rate on such a loan is limited to 12 %
Product: Credit reporting

XXXX XXXX XXXX D.O.B- XXXX/XXXX/1974 SSN- *********** I have recently contacted via phone Experian regarding my credit report. There is inaccurate information, like credit limits, missed payments, accounts that do n't belong to me, and unauthorized inquires on my credit report. Experian has told me that they were going to fix it, but at this point they have not fixed anything, I have not received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Experian has inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for XXXX XXXX, it was paid off at that moment. 
Additionally, Pursuant to subsection ( A ) 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. 

I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification!

I demand ANY AND ALL late payment ( s ) be removed from the following account immediately. 
- XXXX XXXX
Product: Checking or savings account

Chronology of events : Wednesday XX/XX/2020 : I discovered two charges ( {$1400.00} and {$200.00} ) that were not authorized by me, the account holder and only beneficiary of the account linked to the debit card ending xxxx. The debit card is in my possession and was never lost or misplaced at any point.

I immediately called BofA to report the transactions, dispute the charges and cancel the card. The BofA representative cancelled the card and ordered a new one. The BofA representative did not encourage taking any further actions, as this case was now in BofAs hands and the charges would be credited back to the account in a few days. At the time of the call the transactions did not yet clear. No claim number was provided by the BofA representative. 

Friday XX/XX/2020 : I called BofA again, as I noted that the payments cleared. The BofA representative responded not to worry, the transactions were still under investigation and the money would be credited back to the account the following Tuesday or Wednesday ( due to the national holiday on Monday XX/XX/2020 ). 

Thursday XX/XX/2020 : I called BofA again, as I did not see any credits to the account. The BofA representative was not able to find any claim/dispute, so the representative started a new claim/investigation. 

Friday XX/XX/2020 : I received two letters from BofA both dated XX/XX/2020. One was for the cancellation for a duplicate request and the second was to inform that the claim was denied. 

Wednesday XX/XX/2020 : After a number of unsuccessful tries to the reach the investigation team via the number noted on the letter from XX/XX/2020, I was finally successful in reaching a BofA representative, who explained the only way to reopen the case was via a letter send via mail or fax! 

On XX/XX/2020 a letter was sent asking to re-open the case. 
On XX/XX/2020 same letter was faxed from a BofA branch to the fraud department. 

On XX/XX/2020 I called the fraud department at BofA again, who told me that the letter was received on XX/XX/2020 and that it can take up to ( 45 ) days to reopen my case. 

I would like to note that I do not recognize both of the aforementioned charges, which were not initiated by me. While waiting for BofAs resolution I reached out to both vendors the orders were placed with. Both vendors were not able to provide more details, but confirmed that the transaction confirmations were sent to emails not connected to me or my account ( in one case where I have an account ). In addition, the deliveries of the orders were both redirected to an address in the XXXX NY by an individual that the vendors were not able to disclose to me ( I included screenshots of XXXX  alerts in letter to BofA ) There is no absolutely no reason for BofA to continue to withhold MY money and deny this claim. Again which was made within HOURS of when the fraud showed up on my online account and BEFORE the funds were cleared. 

I would like to ask the CFPB to help me expedite the resolution with this case with BofA and support me in my efforts to get my funds back asap. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX automotive with XXXX, TransUnion, and XXXX. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years
Product: Payday loan, title loan, or personal loan

Seeded started A XXXX XXXX XXXX account where they were taking XXXX dollars out of my checking account every other week.The account has matured and they are giving me a hard time about vetting my money back.They gave me a so called loan for XXXX XXXX  but it works in reverse I never saw a dime of the loan but I was paying money into an account that I never had access to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumet Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to these violations.
Product: Credit reporting or other personal consumer reports

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  




HAS 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 2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

HARD INQUIRIES - I have never requested or provided services from these companies and would like them removed from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX Bank ) - XX/XX/XXXX XXXX XXXX XXXX Auto ) XXXX XXXX, XXXXXXXX XXXX XXXX  ( bank XXXX - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX XXXX Auto ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX A ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting

I called several times Equifax and sent letters and faxes concerning a judgement, collections and unauthorized inquires showing on my credit report.
Product: Debt collection

I purchased a vehicle and it was repossessed/stolen on XX/XX/XXXX. XXXX XXXXwithout following legal proceedings accordingly and sold the vehicle on XX/XX/2022. I sent a Cease and Disease but they responded only to say they did nothing wrong and did not answer the affidavit of truth and are continually trying to collect on a debt that, I the Living person do not owe. I receive a letter of balance I should pay after the sale of the stolen vehicle dated XX/XX/2022
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that Equifax will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason I have multiple inquires on my report that I did not do and accounts I did not create. I have written the credit company multiple times about the inaccurate information and they have done nothing about it.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account that has been inaccurately reported by XXXX XXXX XXXX to Equifax. The account in question is being reported as 120 days past due, even though it is a collection account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

2. Specific Violations : FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies be accurate. Reporting a collection account as 120 days past due misrepresents the nature and status of the account, violating the accuracy requirement. 

FDCPA Violation : Section 807 prohibits false, deceptive, or misleading representations. Reporting the account as past due when it has been transferred to collections creates confusion and could mislead creditors or potential lenders. 

3. Additional Concern : The date of delinquency does not appear to reflect the correct date of first delinquency from the original creditor. This date appears to have been altered or re-aged, which would constitute an additional violation of the FCRA under Section 605 ( c ).

Actions Requested : Immediately instruct Equifax to correct the account reporting to reflect its status as a collection account.

Remove the 120 days past due designation as it is inaccurate. 

Ensure that the date of first delinquency aligns with the original creditors records. If original creditor 's records are not provided to myself and Equifax to verify the date of first delinquency, please delete this unverifiable record from my consumer file or credit report.
Product: Debt collection

i have previously through the Credit Reporting Agencies, stated that this is the result of Identity Theft and Portfolio Recovery Associates, will will cooperate with me.