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

I have a credit card with this company and the due date for this card is the XXXX of each month. The closing statement date is the XXXX of each month. Meaning that what ever balance is on the account on the account closing statement date that is what is reported to the credit bureaus. I paid my bill in full and there was a XXXX dollar balance on my account on XX/XX/2022 and there was still a XXXX dollar balance on XX/XX/2022 which is the account closing statement date. A XXXX dollar balance is what should be reported to the credit bureaus but they are reporting charges to the account made after the closing statement date on XX/XX/2022. 
I have attached a copy of my credit card statement to prove my point.
Product: Mortgage

XXXX XXXX XXXX called us stating they could do a refinance on our home and give us a rate of XXXX. We agreed to do business with them. We did not hear from them for a couple of weeks then they said we did not need to make our XXXX and XXXX payments. However, after 66 calls to them and only 19 responses we decided to make our XXXX payment and made our XXXX payment as we had not heard from them. They had promised it would close by XX/XX/XXXX that is why there was no need to make the payments. 
They kept promising it was about to close escrow. In the 19 calls we did speak to them they said everything was in the works, come to find out it was not. We spoke to a XXXX, XXXX, XXXX, and now today a XXXX. When I asked how to spell her name she said I could spell it anyway I wanted to. I told XXXX XXXX that I wished to resind our agreement to refinance with them. Had we not made our payments when we did we would not be current. I have asked these people to stop calling me as now it has become harassment. The whole process started in mid XXXX and it is now the end of XXXX. We have decided to go with another company and are completely satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX thru XXXX of 2020, I filed a dispute with this credit bureau about the unverified and in accurate accountXX/XX/XXXX Account number XXXX, that is a closed account that is still charging interest which is a violation of the FCRA. Note that this account was disputed with XX/XX/XXXX credit bureau and removed in XXXX of XXXX also account XX/XX/XXXX Account number XXXX which is past the 30 day investigation period and was removed from XX/XX/XXXX XXXX In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months. How is it that one credit bureau can deem an account in violation and remove that account and the other find it ok to continue to negatively report?! So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent to authorize nor benefit from the following inquiries. 
1. XXXX - XX/XX/2021 This is a violation under false pretenses and knowingly without a permissible purpose and makes them liable pursuant to 15usc1681n ( b )
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps trying to collect on an alleged debt, and continues to report debt on credit reports. The alleged debt in question is from XXXX XXXX XXXX. This alleged debt has been deemed unverifiable several times, including being found unverifiable by XXXX  which is the banks screening company. Unacceptable errors in accounting and reporting have been found as well as the original date of delinquency us in question. Too many discrepancies have been noted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is locked with XXXX credit bureau. So I don't understand how this company could run a credit search. I did not request a duplicate credit card. I received an email telling me that I was denied for a XXXX  XXXX application. I never applied for a XXXX XXXX credit card because I already have an established credit line with this company since last year. This mistake has caused a hard inquiry on my report!!! I reported this error to the credit bureau and they sent me a email telling me they found the creditor to be accurate
Product: Debt collection

On XXXX XXXX, I XXXX XXXX received a notification from XXXX XXXX  that a new collection is showing on my credit report A negative account with XXXX XXXX XXXX A collection was added to my credit report, which is damaging my credit On XXXX XXXX I contacted XXXX to get more information on this report. I was informed it was from XXXX  from XXXX  XXXX bank for a total of {$430.00}. At approximately XXXX I called XXXX XXXX XXXX explaining the information I saw on XXXX. The representative I spoke with attempted to locate my information by the following : Name, DOB, Social security and my Address and she was not able to find any information based on what Ive given her. She than spoke to her supervisor and she was also unable to locate my information. 
On XXXX XXXX at approximately XXXXhrs I contacted the debt collector once again and they do not find me in the system once again.
Product: Vehicle loan or lease

I received reviewed my credit report. I discovered that I have a late payment error on a loan that is paid off with " Universal Acceptance Corporation ( UAC ) ''.

Its a loan from Carhop " Interstate Auto Group ''. 

I REQUEST A REMOVAL/DELETION ON THE 30 DAY LATE PAYMENT. 

I REQUESTED A FULL AUDIT OF ALL PAYMENT TRANSCATIONS. 

I requested that my consumer/credit file to updated as I was never 30 late on my payment.

I asked " Universal Acceptance Corporation ( UAC ) '' a detailed audit of all my payments online or mail.

I asked have return checks copies that in the past " Universal Acceptance Corporation ( UAC ) '' refuses to applied to the principal of my loans. Cause it deem too little of a payment.

Carhop " Interstate Auto Group ''. in XXXX was penalized by CFPB {$6.00} XXXX penalty for jeopardizing consumer Credit. 

Universal Acceptance Corp/ Insterstate Auto Group inaccurately furnished information for more than XXXX accounts from XX/XX/XXXX until present day. 

I believe I'm a victim of the same tactic. 

I BELIEVE THAT WHEN A PAYMENT IS COMPLETED ONLINE IT TAKES 3-5 BUSINESS DAYS TO POSTED. NOT REFLEXING ON THE DAY IT WAS CHARGED FROM THE CONSUMER ACCOUNT. 

I believe this is a tactics to cheat consumers with late payment fees, interest etc. 

'UNIVERSAL ACCEPTANCE CORPORTATION '' / INTERSTATE AUTO GROUP ARE VIOLATING 15 U.S CODE 1666B.

( a ) Time to make payments 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

I REQUESTED A REMOVAL/DELETION OF MY LATE STATUS AND REPORTED TO ALL CREDIT REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

Someone elses Social Security number is on my credit report so it was his phone number is on my credit report and it is my ex-boyfriend from 3 years ago. I can not fix it. Also XXXX and XXXX have been pulling my credit daily. My name and addresses and phone numbers are also incorrect. It also states that my home phone landline number is XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

you can not pay this loan off early to avoid extra charges. on XX/XX/19 I tried to pay mu balance of {$340.00}, it will not let me. the only payment option day is XX/XX/19 with added fees bringing the balance to {$470.00}. this is making me pay an extra {$120.00} in fees this should not be legal that they can only accept payment on their terms.
Product: Vehicle loan or lease

I need my title and fees owed after paying off with wells fargo
Product: Credit reporting or other personal consumer reports

I have initiated a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for the complaint is XXXX. I urge your prompt attention to this matter. 
Specifically, I request the removal of the following account and inquiries from my consumer report : Account to be Removed : Company/Organization : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found out that the Bank : XXXX XXXX XXXX is fraudulent reporting a car loan under my name which Ive never done business with them besides the only car i have on my credit is a Lease from XXXX XXXX it wont make sense that i do business with a small bank like XXXX having a lease from XXXX XXXX its clearly a Fraudulent Account
Product: Debt collection

It is Bank of America again, I forgot to add one more thing from the 2nd dispute I filed recently. It applies to 1st dispute recently, also.

When I called the Bank of America to let them know that I did pay on time and it was the other bank, XXXX XXXX XXXX XXXX XXXX 's fault for not paying them on time. I paid on XX/XX/XXXX. I got to the Dept of Collection. It was my first late ( IF IT WAS MY FAULT, but it was not ). It was my first payment and already they transferred me to Dept. of Collection. That is their behavior to threaten me. I was NOT EVEN late. It was other bank 's fault as I sent you the proof that it was paid on XX/XX/XXXX. However, the Bank of America did not believe me and refused to listen. It is so senseless since it is MY MONEY I PUT INTO a secured credit card. I don't approve their behavior. This would be my first late if I was actually late but they sent me to Dept. of Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to report a fraudulent account that was not opened with my authorization. I completed an identity theft report with XXXX County sheriff office. They claim the account has been verified and is unable to fire Ish documentation that this indeed was me.
Product: Checking or savings account

Went into a branch in XXXX XXXX on XX/XX/2023. The manager told me my account was closed. She gave me the complaint number : XXXX. 

She said the Resolution Team would contact me, but they have not contacted me as of XX/XX/2023.
Product: Payday loan, title loan, personal loan, or advance loan

I have been paying One Main Financial roughly {$220.00} every XXXX weeks since XXXX for a refinanced loan using my car as collateral. They offered me the opportunity to borrow money and they just simply reworked the conditions of the loan with all of these add-on insurance products. Im still XXXX in business with OMF on a loan that should be nearly paid for. The original loan was for XXXX with all the additional insurance charges. After the high finance charge the loan was determined to be {$21000.00} that I would be paying back. In XXXX of XXXX I contacted OMF in regards to removing these additional products that they informed me I needed to have. I feel its really unfair that Im still paying for a loan that it appears I already paid for. They never explained that when they offer additional funds it starts the loan over with those products which ultimately just extends the loan and charges. I would like to be refunded for being fooled into being told these additional products where needed. This is unfortunate and a form of financial trapping. Thank you!
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I received part of the loan. I received {$2300.00} out of {$3000.00}. Was told that's just the way it is. I said to take the money back and they refused. This was on XX/XX/2021. It's been an on going feud since then. They call with harassing phone calls saying hey XXXX payments due. They refuse to send me the loan documents. They lied to the XXXX Attorney Generals office about the situation and it just keeps getting worse. They are harassing me and still won't show any paperwork validating the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit Reporting Agencies XXXX Experian, XXXX XXXX XXXX ) continue to violate my consumer rights. These agencies have violated 15 USC 1681 ( a ) ( 1 ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to Experian, XXXX XXXX XXXX with my demands after I file this complaint. 

Thank You XXXX XXXX
Product: Debt collection

This company calls my cell phone at least ten times a day, from various numbers from different states. They call before XXXXXXXX XXXX. and throughout the day until late evening, including weekends. The numbers they have most recently called from are below : XXXX ( PA ) ; XXXX ( Ohio ) ; XXXX ( Oregon ) ; XXXX ( Florida ) ; XXXX ( MA ) ; XXXX ( NJ ) ; XXXX ( NC ) ; XXXX ( Indiana ) ; XXXX ( Florida ) ; XXXX ( Texas ) ; XXXX ( Georgia ) ; XXXX ( Virginia ) ; XXXX ( Minnesota ) ; and multiple other numbers including numbers in Washington DC, New Mexico, Utah, Wisconsin, Idaho, California, and New York. They never leave a message and every time I call back, I get a message that says, " Thank you for calling Mobil Loans. ". 
I really need them to stop calling me.
Product: Checking or savings account

I deposited a tuition reimbursement check for {$1900.00} from my employer to my Chase checking account on Friday XX/XX/XXXX via the Chase mobile app. Within 20 or so minutes I received an email that stated We accepted your check ( s ), but your funds will be delayed for the following reason : Checks within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. This is the same account my employer uses for my biweekly direct deposits to this same Chase checking account for several years. My employer is a large company in XXXX and there has never been an issue with my check. 

I called customer service after the email on XX/XX/XXXX and was transferred to their holds department but they said no info on the check is visible yet and to call in a few hours. I called around 4 pm again and customer services said they did not see a hold on the transaction ( I saw a hold message on my online account ) and that my funds should be a available the next day and if not to call the holds department back to verify the funds. I called Chase again the next day, which was Saturday XX/XX/XXXX and the holds department said to call back Monday because they must speak with the bank the check is from during business hours. I called Monday XX/XX/XXXX and was placed on hold but then told that the band the check is from will not verify information to 3rd parties like Chase. The person on the phone did put in a back office request to release funds due to my positive account profile but advised that if I did not see the money available within 1-2 hours then that meant it was denied and would not be available until Mon XX/XX/XXXX. I need this money to lay this semester tuition and am struggling to understand the sudden issue with a check from my employer from their existing account which is from a major bank ( Amalgamated ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX TX ) XXXX XXXX : {$560.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$180.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$5400.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this