23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Excessive calls and e-mails, even when you have spoken with Marine One and they have notated the account. They threaten to repossess if you dont pay in full after youve already made an arrangement. 

They are not applying overpayments to the principal of the loan when weve requested numerous times to apply over payment to the principal. 

They are taking on fees to decline card transactions, even if we pay with the same card on the same day because our bank flags this companys processing as fraud. So we have to verify the transaction and reprocess. 

The harassing phone calls and people showing up at my house when my account is only XXXX or even 30 days late. As soon as you are one day they are blowing up emails and phones threatening to recall the loan. They will send your account back and forth between your account representative and recovery and they dont communicate with one another. 

Loan documents state as long as the payment is made within the month you are not considered past due but they will blow up your phone the first day you are out of your due date and it doesnt matter if you have spoken with them they will continue to call and email every day until you process a payment. 

They lie and tell you one thing and then do another within just a couple hours. 

Ive never dealt with such an unorganized company in my life. Not apply payments and the relentless phone calls is outrageous!
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX Im Having A Problem This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 Account name - XXXX XXXX XXXX - open XX/XX/2023 XXXX XXXX XXXX open XX/XX/20XXXX XXXX XXXX XXXX open XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2023 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Mortgage

I am applying for a home equity loan and received the drive by appraisal today. The appraised value was low ( approximately $ 100K lower ). Upon review of the appraisal, I identified multiple inaccuracies in which I immediately identified ; such as taxes, not a SFR but actually a PUD with a HOA payment, incorrect tax amount, incorrect Gross Living Area, incorrect Room count, etc. The appraiser did not even attempt to validate my information against county records, XXXX or even a XXXX XXXX. 

My tax assessment value this year was {$500000.00}, my primary lender has an XXXX of $ XXXX and XXXX alone has a value of {$490000.00} as of today ; however the XXXX has submitted to the lender a value of $ XXXX. Attached you will find my tax assessment, XXXX and a full appraisal completed in XXXX. I also have the original from XXXX if needed which aligns to the XXXX. 

Of course, my lender is submitting for a full appraisal to get my value ; however, this is now a {$600.00} cost for me and the appraisal is in no way supported with all of the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXXD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I made a transfer to an account located in the XXXX ( international ). The transfer amount was {$1800.00}, and the transfer was made on XX/XX/XXXX. 
The bank, BB & T, charged {$56.00} for an " International Assessment Fee '' ( deducted on the same day ) .I complained, asking what this was for ; the reply was " This is our policy. '' There is no service corresponding to this fee. 

On XX/XX/XXXX, I made an ATM withdrawal while travelling in XXXX. The amount was {$83.00} ( XXXX Bank, XXXX ). Once again, I was charged an " XXXX XXXX XXXX '' of {$2.00}, deducted from my account on XX/XX/XXXX. There is a separate ATM usage fee of {$5.00}. 

It is difficult to see why an ATM withdrawal made from a major bank would require " assessment. '' There have been repeated charges of this type on every international transaction, always without any justification. 

I would ask the CFPB to intervene as this is a disgraceful abuse of my account.
Product: Credit card

I closed my account with Avant in XXXX of XXXX due to excessive fees and Avant 's unwillingness to waive such fees. This left me with a statement balance of approximate {$260.00}. Upon reviewing my XXXX statement suggests, I now owe XXXX dollars. XX/XX/XXXX, after careful review, I immediately contact Avant for an explanation of fees. The representative informed me I was charged a return and late for XXXX due to a reversed payment and a late fee for XXXX although my payment was direct debited and fully processed XX/XX/XXXX. I was informed by the rep at that time he would escalated my concerns for refund. I feel the amount should be credited immediately since, they are not accurate and no fault of my own.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

I purchased a one-way ticket from XXXX to XXXX to XXXX on XX/XX/2023. The authorization page after my purchase said XX/XX/2023. I received a confirmation email from XXXX ( the merchant ) saying that to please note that they changed my reservation date to XX/XX/2023. I emailed them telling them that this wasn't the date I requested or paid for. They told me that I needed to speak with the airline it was for directly ( XXXX XXXX ). I called XXXX XXXX, and they told me that I had to speak with who I bought the ticket from since they didn't have access to that information. I tried calling XXXX, but the phone just keeps on ringing. I sent multiple emails, and they just didn't respond. That's when I disputed the charge on my credit card. After sending Chase my confirmation email saying how they changed the date, they still denied my claim sending me an invoice and email from the merchant. My email is time stamped with the date. The merchant clearly just sent an email without this note on it. As for the invoice, it does say XX/XX/2023. However, they can change the date while still using my authorization. For example, I purchased from another site before this one for XX/XX/2023. The merchant emailed me and said that XX/XX/XXXX wasn't available, but XX/XX/XXXX was. They could change the date if I wanted that. I told them no and they cancelled the reservation. They weren't going to reauthorize or re-request my signature, and I wasn't going to have to re-buy the ticket. They were going to use my authorization for the XX/XX/XXXX date. This is what XXXX did for the XX/XX/XXXX date, but did not ask me if I wanted to change the date or cancel the reservation. They changed it without my authorization and charged me for it, and used my authorization for the purchase made for XX/XX/XXXX. I then spoke with someone from Chase about the denied disputed claim. She kept changing what she was saying. At first, she said they didn't receive proof from me that the merchant changed my date of flight. Then, she said they did receive an email I sent as proof, but they couldn't use it even though the merchant used an email as proof, and the person I spoke with on XX/XX/XXXX told me I could use it as proof Then she kept looking for the email I sent and had to put me on hold. She then told me that I had to reopen the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report in found there was an inquiry for BOA on XX/XX/2020. 

I wrote Bank of America twice disputing the inquiry an requesting them to remove the inquiry from my credit Bank of America responded saying that had no evidence of inquiry however it is appearing on my XXXX credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to Bank of America.
Product: Credit card or prepaid card

I filed a claim with Bank of America about a dispute for a charge in my VISA credit card that didn't have any support. I have submitted the documents to bank of America that shows that the charge was XXXX. Its was XXXX XXXX, and didn't have any specific description about the goods and/or services acquired. 
On XX/XX/2023, I received a letter from Bank of America that the Bank completed the research and have denied my claim. According to the Bank of America could be for extra miles, extra days, violations, refueling, and damages with a XXXX XXXX XXXX XXXX. 
But the Bank don't have clarity what about the specific charge is, because there are a wide and extensive range of items hat could be apply. 
I did the claim, because in my understanding the XXXX XXXX XXXX XXXXXXXX didn't specified the concept of the charge. 
The research and answer of Bank of America is very ambiguous.
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 and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : 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 can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from Goldman Sachs. I never opened an account with Goldman Sachs. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX  XXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting

I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
# XXXX - they have the filing date as " XXXX/XXXX/XXXX '' - this date does NOT exist! 
They have " XXXX CT '' for the name of the court - that is NOT the name of a court and it must be accurately and completely listed! This is also required to state bankruptcy court [ city, state ] Where liability is listed, it should state numerically - this states " A '' Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 Equifax 's response clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX XXXX that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the tax liens is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Experian All 3 of these Companies are displaying in Correct info on my Credit Reports and is causing me to not receive services from buisness i wish to do buisness with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXX XXXX  XXXX Late Date XX/XX/21
Product: Debt collection

An over ten year old debt was bought by a XXXX XXXX  XXXX XXXX and now on XX/XX/28 convergent outsourcing has flagged my account for XXXX dollars and my score is minus 49 points. 
Im outraged by this.

Im about to finish two more disputes with XXXX  and XXXX. 
Please help me.
Product: Debt collection

I received a call from  XXXX   ( d iversified consultants inc ) claiming that my account with  XXXX   XXXX  was in collects and I need to pay them today since the now have my debt. I advised them I 've never had   XXXX   service and they claim it was actually  XXXX   XXXX  which I 've never had either. I asked the man how he could ask for payment from me when he has n't even verified who I am other than asking my name? His explanation was that I gave him my name so I must be that person. I told him either the claim of a collection is false information or your committing fraud by trying to get me to pay you for a fake collection. He then said they would n't call me anymore and hung up on me, but If I owe you money why would n't you just verify the details for me? They clearly knew that I did NOT have a collection and the entire call was a scam to get money. I 've never had a collection in my 18 years of having credit and this was a attempt to illegally collect money
Product: Mortgage

Applied XXXX sent XXXX to l service they set on it for month sent it back and put down forbatrence so they called it and now dayn we didnt do. We have the original paper work was sent to us and a person they sent had different papers. And never received a copy while the ones we received in the mail with tabs to sign in our hand still. Asked XXXX provide us to papers we signed sent email to us and missing papers from what we have also we I called asked about the XXXX XXXX I believe XXXX XXXX ( very disrespectful ) spoke to didnt have as answer for it told me to call me right back this time didnt say he was on a recored line proceeds to XXXX the free money was gone and when was I making a payment ect I ask about the money tells me with a laughter its gone still faint get a answer called Texas they say they work with forbearance all the time. So. This comp at is crooks I asked for my mortgages papers I assigned also. Said give them 24hours. I Have documentation please help!!! XXXX
Product: Credit reporting

I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over 8 thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX XXXX sent this request in writting. XXXX, Transunion, and XXXX are still reporting this negative account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified XXXX XXXX that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the report.
Product: Checking or savings account

I received a text from XXXX on XX/XX/2022 saying : " CITI your checking account has been placed on a brief hold, visit us at https : //citiwebsec2.com to prevent ongoing restrictions '' My checking account is not with Citibank and I don't think I have any credit cards from them. I did not go to the website suggested nor did I call them back.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed