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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being XXXX XXXX  of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Dear XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

They contacted me about debt on XX/XX/2022. It turns out it is for a XXXX XXXX who lived at XXXX XXXX XXXX. I have never lived there. 
I responded XX/XX/2022 with debt verification request and questions from the guidance of the cfpb website. 

They communicated that they received my notice of a dispute and would pause all collection activity and said they would not resume collection activity until provided with valid documentation. However, there was never a pause and they had already submitted negative credit reporting online without contacting me first. They have also still never removed it nor have they responded to my questions that I had sent them.
Product: Credit card

My target was stolen from my work truck and it was maxed out I never received alerts till it was maxed out, and target is giving me a hard time I submitted a police report and an affidavit.
Product: Prepaid card

i was paid a benefit during 2021 which someone took out all my funds in it which is {$15000.00}. I made a call to Bank of america claim department which i filled a claim for the funds transferred out of my account the claim was paid i had my {$15000.00} back in my account. After bank america permanently credited my account back with the sum of {$15000.00} they kept the money away from me they keep telling me i need to make a in person verification which i did several times but yet still with that my card is still be blocked they wont allow me have access to my card and money. I called the XXXX department XXXX i was told they could not do anything since the money has being paid to bank of america it the right of the bank to release my money. But BANK OF AMERICA DONT WANT TO RELEASE MY FUNDS AFTER ALL VERIFICATION IS BEING DONE PLEASE COME TO MY AID ASAP. THANKS
Product: Consumer Loan

XXXX Loans in XXXX Ga brought Instaloan Loans that were found to have been illegally constructed through the usage of fraud, Not truthfully disclosed charges on the truth and lending disclosure among other founded violations by the Court of law. These loans have been found to have been predatory in their lending, However, even after consulting with XXXX Loan They insists on collecting on these illegally obtained loans. They have started clients with new loan numbers, new Finance charges and new interest rates patenting the paperwork to appear like it is a new loan with XXXX when in actuality they are the same loans from XXXX that has been shut down in the state of Georgia. These loans were illegally gained and should not have been allowed to have been brought by XXXX XXXX XXXX or any other organization.
Product: Mortgage

Loan servicing transferred recently ( XX/XX/2023 ) from XXXX XXXX / XXXX ( loan # XXXX ) to Truist ( loan # XXXX ) for property address XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Borrower XXXX XXXX, authorized party husband XXXX XXXX ( who handles the business for the loan on Borrower side ). Homeowners XXXX XXXX and XXXX XXXX. 

**Loan in good standing ( perfect payment history ) at time of loan servicing transfer - payments made through the XX/XX/2023 payment. ** XXXX XXXX documentation indicated loan can not be considered delinquent at loan servicing transfer point even if 60 day delay ( because, as you know, servicing transfers often are handled poorly, in violation of US Code and OCC/Fed . Reserve standards, and often unfairly cause problems for borrowers ). 

Truist auto-pay process would not work. 

Eventually, the " XX/XX/2023 '' payment was made in full by us via check and processed by Truist on XX/XX/2023. The " XX/XX/2023 '' payment was put in motion the same day and was paid by check and processed by Truist on XX/XX/2023. **The loan remains current. ** Truist robodialed us for weeks without our permission ( we did not realize it was Truist, thought typical scam robodialer in violation of law ). Eventually, we answered. Truist then would not speak to XXXX even though he's an authorized party. 

**Truist continues to send us documentation which inaccurately indicates the loan has not been paid and is delinquent. ** Communications to Truist have gone unacknowledged. 

Proof of status / payments is being attached to this submission. Truist needs to get is act together, stop sending inaccurate and worrisome information, and confirm the loan is in good standing.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

EXPERIAN failed to conduct a thorough and accurate investigation of the dispute I submitted on XX/XX/year>, Experian provided a response stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Despite my request for evidence supporting their findings, EXPERIAN did not provide any documentation or proof of verification. Furthermore, instead of addressing the validity of the disputed item, they increased the reported balance from {$1300.00} to {$1400.00} without offering an itemized statement, a copy of a written agreement, or an explanation of how the balance was calculated or validated with the debt buyer. I believe this response demonstrates a failure to adequately investigate the dispute.
Product: Credit card

Contacted Synchrony Bank regarding my Sam 's Club Credit card on the XX/XX/XXXX to ask for a credit increase of an additional {$4000.00}. to pay for a boiler for my home. The credit increase was approved immediately. 
On XXXX I transferred {$3500.00}. from my savings to checking and made a payment on my Sam 's account and on XXXX my husband made a payment of {$3300.00}. from his bank account to the same Sam 's account. 
Called the bank on XXXX at XXXX because the available credit balance was {$10000.00}. I was told that a hold for the {$3500.00}. payment was put on hold because I had made XXXX large payments on my account and the hold would be release after 48 hours. I did get upset on the phone since my understanding that a wire transfer from one bank to another was immediate and could not be held. The payment on Sam 's website said posted. The {$3300.00}. payment from my husband 's account made on XXXX was processed with no issue. Not sure why they put a hold on the first payment not knowing I was making a second payment for making XXXX large payments. I was also told that they can put holds on payments and did not have to notify me. The account manager said I could get another credit increase, which she processed and came back to say that I could get an increase of an additional {$1500.00}. Refused increase because it did not help out of the situation to pay for the boiler on Friday. I asked to have the terms and conditions sent to me by email that identifies that they can hold payment if XXXX large payments were made on the same account. Still have not received. She transferred me to an underwriter to see if the credit increase could be {$4000.00}. which was needed. After trying to process again, he came back and said he could increase for additional {$1000.00}. I said I would file a complaint not knowing what else to do. 
After calling no satisfaction and said I would file a complaint
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies in my credit report. I have identified multiple accounts with errors related to payment history, balance accuracy, debt validation, and discrepancies in the date of last payment or activity. Despite my efforts to resolve these issues directly with the credit bureaus, they remain uncorrected. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure a thorough investigation and resolution of these discrepancies. The following accounts are in dispute : XXXX Accounts XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested the credit bureaus provide the complete payment histories , validate debts, verify balances, and correct discrepancies in dates of last payment or activity. Additionally, I have asked for the removal of any charge-off or collection remarks where applicable. I seek CFPB 's assistance in ensuring these errors are corrected promptly to reflect a fair and accurate credit report.
Product: Credit reporting, credit repair services, 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX  Account name : XXXX XXXX  XXXX, .However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 crimes which antedates the report by more lhan seven years, 15 U.S.C. 1681s-2 ( AX ( 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. 
Also hey aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never gave an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 ( K ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME.

If you accept my request, i will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 

sincerelyXXXX XXXX XXXX 

All Rights Reserved Without Prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
Product: Credit card or prepaid card

I bought my home last year and moved in in  XXXX   XXXX    XXXX   ). I called  Home Depot to update my my address for my credit card ( from CitiBank ). I never received my statement at the new address, and kept calling them about it. At the same time, I kept making payments from my onlin e banking. I always made payments greater than what my minimum payment was, however I just found out my account is delinquent and they will not make any adjustments because they are saying it 's my fault that my account is late. I have never been late or had issues with any of my credit cards.
Product: Credit reporting or other personal consumer reports

The following addresses are a result from fraud and identity theft. the following addresses and variations are NON MAILABLE ADDRESSES and inaccurate information. 

ADDRESSES XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX the correct address is : XXXX XXXX XXXX XXXX, XXXX DUE TO THE INACCURACIES, THE CREDIT REPORTING AGENCIES ARE FAILING TO REPORT MY XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received notice that both my email address and my phone number had been unenrolled by XXXX. Over the past month and a half, I have contacted Wells Fargo a number of times to determine why my account has been restricted. I was informed that the account was restricted due to a claim from someone who sent me a XXXX for {$390.00} on XX/XX/XXXX. I did not exchange money through XXXX with this person, even though Wells Fargo or XXXX, I know not who, identified this person and a separate person as well, and suspended my use of XXXX for fraud. In short, there was no fraud ; no money was exchanged between me and this person and the other person, who was also a name provided to me, did not file a claim either. I contacted Wells Fargo and let them know that these claims of fraud were false and both persons contacted their financial institutions and Wells Fargo to assert that there was no fraud on my end nor did they file a dispute of a XXXX transaction. Despite an investigation which showed there was no fraud and a call from each of these other parties and their banks to Wells Fargo that there was no fraud and the claim should be closed, I have been unable to use XXXX since XXXX. When I contacted XXXX, they informed me that they could provide no assistance. When I contacted Wells Fargo, they informed me that they could provide no assistance. Both Wells Fargo and XXXX have been extremely unresponsive and unwilling to find any way to resolve this issue and allow me to use the service or provide any means of addressing this issue and resolving it. They continue to deflect the problem and blame each other rather than find a resolution to this issue. If XXXX can not handle disputes and issues with the financial institutions they contract with, how can customers get help or find resolution to issues that may inevitably arise when using their services? If banks can not address issues with this third-party vendor, then this vendor should not be able to do business with these financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have been writing letters, making phone calls and disputing my payment history and balance owed which reflects negatively on my credit report. Credit Acceptance originally denied my request to apply for SCRA rights when I enlisted into the XXXX XXXX. The agent I spoke with stated that the loan came before I joined so I was not eligible. After disputing that and over paying for months I finally was able to get my account adjusted and backdated in XXXX of XXXX. I then asked for Credit acceptance to update my payment history and payoff amount on my credit report backdating to XXXX of XXXX. 

They corrected 2 credit bureaus but not the third.
Product: Bank account or service

I want to report Bank of America for its ethics. I have had accounts with them for a long time. In XXXX of this year I transferred a high balance account from XXXX dept. store for a lower interest rate. When I investigated why my balance never seemed to change, the woman at the bank told me my interest rate was 24.99 %. This is higher than the balance transfer from the department store than I transferred from. After many calls and chats with the bank, they told me that 4 years ago I had an XXXX XXXX card and charged {$3000.00}. with that interest 24.99 %, I have no recognition of that. I never had a card to use all these years with that number. It could be true, but I sincerely do n't remember. 

He said they have XXXX interest payments for different transactions on my account. They have been charging this interest rate for 4 years. When I applied for the loan to pay off XXXX dept. store, they broke it up in XXXX accounts. The highest balance was put on the 24.99 % loan. After 4 years, I still owe {$4600.00}. at that rate, I was paying back about {$1.00} a month. I called them several times and, since I have XXXX loans with them, the XXXX loan has an interest rate of 9.9 %, the other is 0 % interest until, I think, XXXX of 2016. I begged them to lower the interest rate to 9.9 % since they have never contacted me to let me know of any promotions to lower the interest. I was too stupid to monitor it until I realized that the amount was never going down and the XXXX interest was less then BOA is charging me. At this rate it will take me 20 years to pay it off paying the minimum. 

I will be XXXX years old in three months. I live on SS and XXXX small pensions They refuse to lower the interest. Are banks regulated? They charge what they want to charge and have XXXX way system of charging you interest. They never tell you that. If you are late, they charge you a {$35.00}. late fee. If you can not pay on time or have no money, what makes them think that adding {$35.00}. will help the person. They refuse to help me unless I was homeless. I have spoken to several people at the bank. I made a partial payment last month in protest of the high interest that I never knew was that high, and paid my other XXXX. Now my credit score is impacted with this and all the other debt I am in. I wish SS would increase our money 24.99 % but they do n't. I think someone should look into the dishonest practices of Bank of America. These banks are under-handed and take advantage of senior citizens. They are cold and unresponsive. They have had it too good for all these years. Is there any way you can help me? I would appreciate anything you can do to help me.
Product: Payday loan, title loan, or personal loan

I opened a personal loan with this company in 2017 and have made every single payment on time for the last 5 years because it was set up for auto pay. I ensured that before I left on this XXXX to XXXX that all my finances were on auto-pay so I would have peace if mind in not missing any payment. 

Instead of notifying me about the final payment that was set for auto draft not being auto drafted they instead reported that I failed to make my final payment. This is the 21st century there are multiple means of notifying consumers that there final payment must be paid a certain way because of their own internal policy. I never received an email, phone call, vm, or text message that my final payment was not going to be auto drafted but needed to paid over the phone. 

This type of business practice is immoral and severely disadvantages the consumer. I've made every single payment on time in full and wasn't even given the courteousy to tell me I needed to pay x. There is a potential now because my credit took a XXXX hit that I could lose out on rates for my mortgage which I'm in the process of getting. This needs to stop.