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

I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Mortgage

Atlantic Bay is breaking the law by making their website inaccessible to me and continuing to charge me PMI even though I asserted my right under law to have the PMI removed, and Atlantic Bay is legally required to do so since I have perfect payment history and my property has appreciated in value. As a person of XXXX is a historically disadvantaged part of town, I hope Atlantic Bay is not engaging in redlining.
Product: Credit reporting or other personal consumer reports

Try to obtain my credit report and Equifax says that the information that I'm putting in does not match their system which does that make any sense but anyhow I want to update my profile in the system I have a new number so I am attaching my XXXX  bill and verification of my address and the new number that I have my new number is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2021, I was refinancing with XXXX XXXX XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage XXXX [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for XXXX year.. I even filed a dispute witXXXX XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!
Product: Checking or savings account

CapitalOne banks have withheld direct deposits for thousands of people across the country for going on four days with absolutely XXXX  updates via email, social media, or public statement. The fact that when you call customer service, the system automatically hangs up on you is by far the most unbelievable thing I've ever witnessed. Thousands without money for the long weekend ( banks dont reopen until Tuesday XX/XX/year> ) an

d no answers or status. Thousands of delayed bill payments, late fees incurred, and I guarantee there will be no compensation to come out of the stress we are all dealing with because of this. Egregious behavior for this multi-billion dollar company and we plan on starting a class action after closing our accounts.
Product: Mortgage

the company XXXX XXXX XXXX withdrew my mortgage of {$1200.00} twice this month first on XX/XX/18 and again on XX/XX/2018 the one on the 8th not being authorized. i then called them and they refused to help  citing i have to email them my bank statements and wait 5 business days to see if they will refund me the money which i need to pay other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN. Attached is a screenshot of the unauthorized inquiry from XXXXXXXX XXXX XXXX This company pulled my credit without my written consent! I disputed this inquiry and Experian did not remove it from my credit report. XXXXXXXX XXXX XXXX can not provide Experian a certificate stating that I gave them permission to pull my credit. I have contacted XXXXXXXX XXXX XXXX by phone and they said they did not pull my credit. 

I also have a sercurity alert on my Experian credit report. I did not receive a call notifing me that XXXXXXXX XXXX XXXX was pulling my credit report. 

Experian is violating consumer law 15 US code 1681b.
Product: Debt collection

I pulled my credit report and discovered many inaccurate items listed. I contacted the creditors, and nothing has been done about it. Please have the credit bureaus remove all inaccurate items.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Vehicle loan or lease

IN XX/XX/2020 AMERICAN CREDIT ACCEPTANCE CHARGED OFF MY LOAN WITH A BALANCE OWEING {$9500.00}. Since then I have paid off the balance and over {$2000.00} more since they say that there are interest charges. I recently found out that after a vehicle is charged off, it STOPS occuring interest. I have also provided them with my bank statements, receipts and their confirmation emails of all payments made since the charge off and, they still haven't sent the title to my car, but instead, they sent it out for repossession.
Product: Debt collection

This is not a duplicate complaint, this is a entirely different complaint.PRA informed me on a previous complaint that I was property notified of this alleged debt.PRA provided document with the address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.That is not my address and I have never lived at that address, my address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXPRA continue to report this account to the credit reporting agencies.they are in violation of the early warning clause section 623 ( A ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed on XX/XX/XXXX a bankruptcy being listed on my account to verify it and how it was verified. I received a reply that it was verified but I was never told how. I disputed it again for accuracy and to let me know how it was verified a second time, XX/XX/XXXX. I received an automated response back to let me know it was verified again but never was told how they verified it.
Product: Mortgage

I pay my mortgage in halves because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and because I get paid every other week. So like every other normal American mortgagee, I'm doing it in a way that works in my budget. Furthermore, I had fallen behind in XXXX and when I was sending payments, they were not being cashed ( putting me further behind ). So - one day they sent me a bunch of my payments in XXXX and told me I was in foreclosure. I took money out of a XXXX and paid off the outstanding amount with TREMENDOUS fees and here I am - back in my mortgage. 

I paid my mortgage in XXXX. Then I paid the first half of the XXXX payment on XX/XX/XXXX. I paid the second half of the XXXX payment on XX/XX/XXXX. I noticed that my account was still saying I owed my XXXX payment- which is INACCURATE. I tried calling- never could get through ( XXXX minute hold times ). I tried XXXX about the misapplied payments and kept getting canned replies to telling me to provide proof of payment. I would reply and get the SAME RESPONSE BACK ( to provide proof of payment ). I then tried calling AGAIN - XXXX min hold time, but I gave my number for a callback ... .callback never happened. Then here we are a week later, and I get a call from the mortgage company - so I answered only to get a recording telling ME TO CALL BACK. I'm at WORK, mind you. So I got up from my desk and found a conference room to make the callback. I sat on hold for XXXX MINUTES ... XXXX. Only to get someone who COULD NOT FIGURE OUT WHAT THEY WERE DOING WITH MY PAYMENTS. So I said I could not sit on hold while she looked at it any longer- I needed a callback or an email with the information. She tells me " there is no way '' she can do that. My only choice was to speak to her supervisor ... .so I had to sit on hold AGAIN for over XXXXXXXX XXXX. The supervisor tells me that on XX/XX/XXXX, the {$1200.00} I paid that was sitting in reserves was USED to pay some unknown fee that she could not explain to me. She THINKS " it has something to do with the foreclosure. '' I have not been notified of any additional fees ... I paid a LOT in fees to reinstate my mortgage in the fall. So- they suddenly found a " fee '' that needed to be paid that miraculously matched the {$1200.00} I had in reserves waiting for my XXXX half of my XXXX. payment ....??? Sounds pretty sketchy to me. 

So - BIG complaints about how they can not be reached and this is a HUGE burden to people who have to WORK and get their jobs done to pay the mortgage. 
ANOTHER big complaint about how they mismanage the payments ... and suddenly coming up with a fee to charge me that I was never told about??? This seems pretty corrupt to me. 
Now here I sit, with a late mortgage payment because they are XXXX XXXX
Product: Credit card

I applied for a credit card on/around XXXX XX/XX/year>. The card was never delivered to my house. 

On XXXX XX/XX/year>, when I tried logging on to the Bank of America app, I was shown a notification telling me that there was fraudulent activity on my credit card, which I never received or activated. There was USD XXXX charged to it. The charges were made at a XXXX and at a XXXX XXXX XXXX  in XXXX NY on XXXX and XXXX XXXX, respectively. 

I immediately informed the bank of the same. The bank blocked my card and I was told by the bank to file a report on identitytheft.gov, as well as file a police report. I filed a complaint report with the XXXX XXXX Police Department on XXXX XXXX and I filed an updated report with identitytheft.gov on XXXX XXXX. 

I faxed the same to Bank of America, with my written statement, explaining the entire ordeal, around XXXX or XXXX XXXX. I could not fax the Police Report at the time since XXXX requires that a Freedom of Information request be made to get copies of Police Complaint Reports. 

I was contacted by the XXXX detective on the case on XXXX XXXX, where she informed me that the police has a picture of the person who used the stolen credit card and asked me to identify him. The person was unknown to me, and I informed the same to the detective. 

I filed a Freedom of Information Request with XXXX XXXX Police Department ( XXXX ) on XXXX XX/XX/year>, and received a copy of my Police Report on XXXX XXXX, 2024. 

I mailed the same to Bank of America 's credit card claims department in Texas on XXXX XX/XX/year>. 

The Bank of America closed my claim on XXXX XX/XX/year>, with the charge still on my account. I immediately contacted the bank. They told me that they had not received the Police Report and so the claim was closed. When I told the bank that I already sent the Police Report, the associate on the call confirmed that they had in fact received the copy of the Police Report that I had filed. I was informed that the bank will reopen my claim, and the same will be resolved within 3-5 days since I have provided all necessary documentation.

It has already been 3 days since then and I have not heard back from the bank. When I contacted by the bank today, XXXX XXXX, I was told that it may take up to 2 billing cycles for my claim to be resolved. It has already been more than one month since I have been trying to get the unauthorised charge, made from an unactivated credit card ( which the bank allows to be used for some reason ), removed and I still am unable to get that done.
Product: Credit card

In my second complaint ( XXXX ), I asked a third party to look at the issue impartially. I didn't need a response from the company I was complaining against because they had ill will toward me. In their response, they even said, " We may close or suspend your account for any reason or for no reason. '' Such a statement allows them to open a window to harm customers. 

The grounds for my complaint are as follows : I have several XXXX XXXX XXXX. Why didn't other XXXX XXXX XXXX didn't close my accounts but only this XXXX XXXX XXXX XXXX closed my account? I have strong reason to state that this credit card company aims to abuse my situation, harm my interests, and harm XXXX 's business as well. So, I seek the CFPB or another third party to give financial protection and settle this issue. I don't want to hear any more from this credit card company. Thanks for the CFPB 's help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX   they REMOVED this account and I sent them the same Documentation What makes Experian so special I would really like to know? 

I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my Experian account as with a Past Due balance which is a clear violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report recently and I was extremely puzzled which caused XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, TRANSUNION and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer. -15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercises their grave responsibility with fairness, impartiality and respect for my right to privacy -15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. Here are the errors as follows : 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 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
Product: Money transfer, virtual currency, or money service

Its been 3 months and contacting both Discover and XXXX because my XXXX account is locked. Discover tells me they have no control over the account being locked and all they could do is send an email to XXXX to unlock it. I called XXXX and they refer me back to Discover saying only Discovers team has access to the account. I keep getting thrown back and forth with no resultsvery frustrating!
Product: Credit card or prepaid card

On XX/XX/XXXX I had a payment scheduled that was denied due to NSF. 
On XX/XX/XXXX I spoke with a company rep and made a payment arrangement over the phone in the amount of {$84.00}. It was my understanding it would be credited to XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$250.00}. I expected it to be the XX/XX/XXXX payment. 
My credit report is showing that I did not make a payment in XX/XX/XXXX. 
I just called the customer service number and the lady was all over the place. Did not seem to know what she was talking about and couldn't keep straight what I was saying. 
She went so far as to say the company never reports incorrectly. 
I am trying to get a mortgage and this reporting is very damaging to my credit report. 
I really dislike being led to believe one thing and then something completely different happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I was provided a payoff by Chase the lender. The payoff clearly states that I can pay off the loan by XX/XX/2021. 

On XX/XX/2021 Chase decided to charge off my account. How can you charge off the account a day before the payoff deadline provided? 

on XX/XX/2021 ( day of payoff ) a REPO person showed up on my doorstep trying to reposes my car. I showed him a copy of my check and a copy of my payoff and he said he would extend for 1 week. a few days later he let me know my repo account is closed.

I sent in documentation to them to show their mistake but I am getting a run around being bounced from one dept. to another as I call in to rectify this situation. 

Chase did get my payoff amount and says the account is closed and there nothing to do. Also they are stating that they don't have the odometer declaration form. Even though I mailed that form along with the check for payment. They obviously got the check for payment so why are they giving me the run around on providing me title to my car? 

I am including the payoff that I was provided and what I used to mail the check to pay off the loan. As well as my letter to Chase stating that I want my credit fixed.