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

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # 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 can not furnish a account without my written instructions
Product: Credit card or prepaid card

Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.
Product: Checking or savings account

Back in XXXX on the XXXX which was a Saturday I deposited a check into my checking account in the amount of {$14000.00} from a discrimination lawsuit the XXXXXXXX XXXX. I was told some of the money would be available that fiolllowing Tuesday on the XXXX is my 2nd time addressing this and I have gave Wells Fargo more than enough time to address this but they havent. I was discriminated against by the bank many at Wells Fargo located at XXXX XXXX XXXX XXXX XXXX  TX XXXX his name is XXXX. I informed Wells Fargo that I will be seeking a lawsuit for damages but I will hold off and give them time to talk about any reasonable money offers. Just a day or two ago I explained this to a rep that called me and she said let her get with them and she will call me back with a resolution. I miss her call she sent me a secure message and my concern was completely ignored. Wells Fargo is really trying to insult my intelligence thinking maybe Im just a XXXX XXXX XXXX  person. I refuse to just let this go Im tired of the discrimination. Out of all this time Wells Fargo hasnt given me one offer and has not even attempted to solve this issue. So Wells Fargo is just gon na get a way with discrimination against me? So its okay that their manager the one they hired to be XXXX toward me and other XXXX people? I want justice and I want to be paid for being discriminated against like I told their agent or rep on this week I will listen to all reasonable offers. But if I go ahead with a attorney its gon na be much much much much more I will seek because this after should have been resolved. Everyone that Well Fargo have to call me just ignore the XXXX  fact that their manager broke laws when he discriminated against me. So their manager can treat XXXX people like were not important? Is it okay that were treated like XXXX? Well Fargo established had been XXXX against lots of XXXX people and I want justice Im tired of my concern being push to the side I dont care if this has to go federal I need this matter taken care of if I was white this XXXX  matter would have gotten priority treatment from Wells Fargo . If well Fargo want a long legal battle then so be it if not reach out to me with a resolution and stop playing these XXXX games with me and lets handle this situation at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Vehicle loan or lease

I originally obtained the loan through America First Credit Union ( AFCU ) located in XXXX XXXX for my RV since XX/XX/XXXX and made payments for 1 year. On XX/XX/XXXX, I decided to trade it in for another RV, everything went well at the dealership XXXX XXXX ( XXXX ) in Utah. Not until I came back to XXXX, AFCU told me that they can not accept XXXX payoff for the trade-in RV yet because there is some issue with title and they had to fix with NV DMV . Im writing this as of XX/XX/XXXX and this issue has not been fixed. Multiple attempts have been made in-person as well as over-the-phone to understand the issue and why it takes such a long time to finish everything. Im still stuck paying for the loan even though i no longer in possession of the vehicle. Every time I had to call and lied to or being treated rudely to ( one phone rep XXXX told me in the most matter-of-factly that it could take months or years if it needs to resolve itand her supervisor XXXX at the same title department promised to call me back and did not try to ) Now I know paperworks can take a long time but this is ridiculous. They had 1 year before the tradein to discover and fix any issue with the title, then now almost another 13 months to do whatever they need to resolve it ( if they even try to ) If this is the business practice, i suspect that they did not try to do things right and make the customers ( me in this case ) suffer and keep paying for the loan to collect interests. 
Though the business responded with due to privacy laws and did not provide details, the desired outcomes were very clear and attainable. 1 ) getting the title job done with DMV - so far they are only half way done with this and this progress has not even gotten here if XXXX has not stepped in due to my complaint. Thus shown the companys lack of due diligence and neglect dreading the matter on their part 2 ) due to their gross negligence and making mistake in the title with previous owner, i had to suffer emotional and economical burden to continue paying for a loan ( and interest ) for a vehicle i no longer owned for almost a year coming this XXXX. I did my part and continued paying since i don't want to get bad credit and so far they negotiated to pay me back half of my interest. I would if I was the one making the mistake in the title to begin with, which i did not. So it is logical to ask for all the interest to be waived, not just the half they tried to put it like charity. The company is acting in bad faith and did not want to own up to their mistake. Even though a lot of thought was put into negotiation of the interest, no ETA is given since now everything is up to the Nevada DMV. I guess my next move is just blame the government for everything- nope! So, none of the 2 objectives are not achieved yet and clearly I have expressed clearly : 1 ) get the title job done with NV DMV 2 ) i will not pay for any interest due to reasons mentioned above and I would like them refunded.
Product: Checking or savings account

I received a targeted email promotion from PenFed.org for opening a checking account with my stimulus payment. Successfully opened the account and met all conditions but the checking account was never credited {$200.00} for opening account promotion as advertised by targeted email on XX/XX/XXXX. 

After meeting all conditions for the promotion, specifically the 90 days post deposit, but not receiving the funds, I called in to inquire about said promotion. Was told in late XXXX, on a phone call to Penfed, that I did meet all said conditions but they would get back to me on why I didn't receive the funds yet. 

With no communication from Penfed for almost a month, I called again and spoke with XXXX on XX/XX/XXXX at XXXX ( case # XXXX ) and was told the promotion was cancelled before I opened the account ( but within the eligibility of the original targeted promotion ). 
I then asked if the promotion was cancelled why was I still allowed to open the account with the specific targeted link. XXXX had no answer to the question. To further the point of the targeted link, when I click the link now, it states the promotion is no longer eligible. Thus, they fixed this after the complaints were lodged. 
XXXX said this was final and hung up.
Product: Debt collection

This company Lockhart, Morris and Montgomery Inc claims that I have a medical debt based in Tennessee opened on XX/XX/XXXX. I have informed this company that this debt is not mine, after it placed this debt on my credit file/record at the credit bureaus. I have not had any communication or business dealing with any company in Tennessee, nor have I lived there, but this company has disregarded my informing it that this is not a debt that belongs to me. This debt is a result of identity theft and this company is promoting fraud. I have informed this company to removed this reported amount of {$780.00} from my credit file/report from the credit bureaus but it would not, nor would they take my complaint seriously. I have been monitoring my credit file/reports daily, and all of a sudden this debt appeared without my knowledge or understanding, as I have never heard of, or been to, a company called XXXX XXXX XXXX Tennessee. Furthermore, this company has called me in regards to collecting this debt, and I have told numerous agents of this company that this debt is mine. On one particular instance, after asking for a supervisor, it appeared as though it was the same agent trying to disguise his voice stating he can have this debt removed if I agree to cooperate by paying a fraction of what is " owed. '' Additionally, this company refuses to tell me what account number is affiliated with this debt, so I can dispute it. This makes me believe even more that this is fraud, and this company is trying to extort money from me by any means without consideration or investigating that this debt does not belong to me. Upon further research, I figured that this same company tried to use this same debt on my credit file/report at the credit bureaus under a different company name in XXXX. After they removed it, the company has placed the debt again in XXXX, in further attempts, to use a fraudulent debt to extort money from me. In XXXX, this company stated that it was a different company I owed for the same {$780.00}, also another company that I had never heard of or had any dealings with.
Product: Student loan

I called Bass and Associates in XX/XX/XXXX and XX/XX/XXXX. The company claim to have my student loan debt which has been defaulted or for a overpayment. Currently my account is in good standing with XXXX XXXX. I am in my 2nd year of college and shouldn't be paying student debt until XX/XX/XXXX. I have been calling but no response from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Hello I keep disputing with XXXX XXXX , XXXX XXXX , and XXXX inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-XXXX XXXX XXXX -SW XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the credit reporting act XXXX XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Checking or savings account

I deposited a payroll check from XXXX XXXX XXXXXXXX XXXX XXXX, on Friday, XX/XX/2018. Bank of America froze {$430.00} of it. They have put a 14 day hold on these funds, stating they will not be able to be used or withdrawn until XX/XX/2018. I have talked to a branch manager and a customer service representative of the bank. I was told that since the check was from XXXX XXXX, I would have to talk to them about expediting the release of funds. I called XXXX XXXX and was told that they never hold checks for more than 7 days. Bank of America then told me that due to excessive overdrafts, that they would not be releasing my funds any sooner than the 14 days. I have banked with Bank of America for years and have only had two overdraft fees, which they reversed. 14 days is excessive and it is my money. I have to pay bills, buy groceries, gas, etc. Never have I ever experienced such difficulties from them. I need that money. How am I to survive without my payroll? I work hard for that money and CAN NOT wait another pay period to receive my money. I am very unhappy and once this is resolved, I will no longer be banking with them. They have had my business for an excess of 10 years and I have never, ever incountered this problem with them.
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. 

15USC 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 under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all XXXX credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXXXXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}
Product: Debt collection

I owed Ally Bank fees for excess mileage at the end of my lease. Ally issued my final statement o n  XX/XX/XXXX which was paid by me on  XX/XX/XXXX  Since  XX/XX/XXXX  Ally has called me or my family members constantly. I or another family  member have informed Ally on multiple occasions that this debt has been taken care of but they continue to call and harass and insist the debt has not been paid despite my having confirmation numbers and bank statements to corroborate this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XX/XX/XXXX Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX Request for Goodwill Adjustment Late Payment Removal Dear Credit Acceptance, I am writing to express my gratitude for the opportunity to have been a customer of Credit Acceptance. I am pleased to confirm that my account, # XXXX was paid in full as of XX/XX/XXXX However, upon reviewing my credit report, I noticed late payment marks associated with this account. I take full responsibility for those missed payments, which occurred due to unexpected financial difficulties. I regret those circumstances and have since taken significant steps to ensure my financial health and timely payments moving forward. 

Given my positive history with your company, aside from this issue, and the fact that the account has been settled in full, I kindly request a goodwill adjustment to remove the late payment marks from my credit report. This gesture would help me immensely as I work toward improving my credit profile and financial goals. 

I understand that you are not obligated to accommodate this request, but I sincerely hope you will consider it as a goodwill gesture. I greatly value the relationship I had with Credit Acceptance and hope to continue recommending your services to others. 

Thank you for taking the time to consider my request. If there is any additional information you require, please do not hesitate to contact me at XXXX ] or XXXX Sincerely, XXXX XXXX XXXX
Product: Mortgage

AmeriHome Mortgage Company, instead of sending one monthly bill on a set schedule, sends out a new bill every time you make a payment. When a lender sends me a bill, I pay it. As such, I have made 31 payments to AmeriHome Mortgage in the last 25 months ( 6 extra  payments to this company ). In both XXXX and XXXX XXXX, I made 2 payments each month. I made 3 payments in XXXX XXXX, 2 payments in XX/XX/XXXX, 2 payments in XX/XX/XXXX and again in XXXX XXXX. I have made 2 payments in XX/XX/XXXX. As a consumer, I should be able to expect to receive one bill each month on a set schedule. I received a statement date of XX/XX/XXXX, with the payment due XX/XX/XXXX. It stands to reason that the statement date of XX/XX/XXXX should have a payment due date of XX/XX/XXXX. No, they put the payment due date as XX/XX/XXXX in both XXXX and XXXX, giving me a 2-day window to pay the XX/XX/XXXX statement ( thank God it's leap year, so I got that one extra day ). They charged a {$38.00} late fee, although they're payment system makes no logical sense and I'm 6 payments ahead of schedule. I believe AmeriHome Mortgage should send consumers one bill per month on a set schedule. Again, I have made 31 payments in 25 months, based upon their wacky billing system.
Product: Debt collection

It says the balance is {$2500.00} and the original amount was {$2600.00}, and that Ive paid 2 % of the total so far? I have never signed any documents or agreed to any terms and I have no idea as to how theyre saying that I have authorized payment And I did not sign any contracts opening this account on XX/XX/2021 I want a copy of the contract and a full un-redacted copy of the purchase agreement
Product: Student loan

I was unknowingly enrolled into paperless statements when my loan was processed. When I had to take time off of college due to an error done to my financial aid I was not notified that I had to start making payments to my loan. I only realized i had to make a payment when I saw my credit score go down 150 points, once I contacted the lender they it was up to me to know when I was supposed to make a payment although I was unknowingly enrolled into paperless statements. I asked if I made the payments if they were able to remove the late payments from my credit report because it was a miss understanding not an unwillingness. And I have not an any missed payments since than.
Product: Credit card or prepaid card

CapitalOne is blocking 3rd party apps from downloading data. This makes XXXX impossible to use as well as services like XXXX. I have a right to my data.
Product: Checking or savings account

My name is XXXX XXXX they closed my account so I dont have an account number. However Ive been waiting for my check for more than 2 months and I was told that because I didnt know the check was sent back they were going to keep it. Now I have to resubmit a form to send the check but that will take another 15 days. I have so much bills I need to pay and Chase does not care they just want to keep peoples money. And the person I spoke to was the rudest person ever they dont even let you talk.
Product: Credit reporting or other personal consumer reports

Please investigate this information, they are wrong. 

Account Name : XXXX Account Number : XXXX XXXX