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

I have repeatedly asked for copies of my payment record that show late fees charged. Ally has yet to provide one. Now I am at the end of the payoff on this loan and I owe almost nothing but late fees. Even during the pandemic no late fees were waived and I suspect I have been charged late fees ON my late fees! In addition, Ally has charged both of my banks so many times I had to place stop payments because if the funds aren't there I am charged by my bank each time Ally tries to take the ACH debit, and Ally will continually hit the bank on a daily basis until the finds are there. No cooperation whatsoever, and I am absolutely fed up.
Product: Checking or savings account

This is for my Wells Fargo accounts. 
I own 1 business checking, 1 business savings, and two personal checking accounts. I have had to pay fees due to hold and errors. I have paid fees at atms. My old branch closed, but did nothing to help. I've called without help.
Product: Credit card

I have excellent credit - I decided to get a Citi cards travel card for the admiral 's club benefit. The annual fee for this club is XXXX. They decided to close my account after 45 days due to having an investment into a XXXX company in WA state... .which is 100 % legal. They did not disclaim that I could not be invested in a XXXX company before approving my credit card application. They said I would no longer have my benefit to the lounges and would not refund me the {$590.00} charge. I paid off my balance other then the {$590.00} charge which I refuse to pay since I did not receive the benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting a collection account with XXXX XXXX that is a medical bill and by law is not permitted to impact my credit score.
Product: Credit card

In XXXX, 2016, I submitted complaints to both Bank of America and XXXX about the fact that Bank of America was not reporting the balance on my XXXX XXXX card correctly. 

Rather than fixing the real problem, all that Bank of America has done to date is not report the card/account to XXXX. It has always been a credit account in good standing. At this point, this is causing me financial damage in that it is preventing me from obtaining better credit terms.
Product: Credit reporting or other personal consumer reports

I am writing to request my consumer report for XXXX and the current month, as well as my consumer file, to be sent to my email address.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNT : XXXX, AMOUNT {$9600.00}, ACCT XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$840.00}, ACCT XXXX ACCOUNT : XXXX XXXX XXXX XXXX {$0.00}, ACCT XXXX ACCOUNT : XXXX  XXXX XXXX XXXX XXXX XXXX {$540.00}, ACCT XXXX ACCOUNT : XXXX XXXX, AMOUNT {$110.00}, ACCT XXXX ACCOUNT : XXXX, AMOUNT {$610.00} XXXX ACCT XXXX ACCOUNT : XXXX XXXX XXXX AMOUNT {$670.00}, ACCT XXXX ACCOUNT : XXXX XXXX XXXX XXXX, AMOUNT {$2000.00} XXXX ACCT XXXX ACCOUNT : XXXX XXXX, AMOUNT {$660.00}, ACCT XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX OUTDATED PERSONAL INFORMATION XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX. 

I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this
Product: Debt collection

I am filling a complaint against Jefferson Capital Systems , LLC. I do not have a blue, wet ink signed contract with Jefferson Capital Systems , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Previous to today, I have never communicated to Jefferson Capital Systems or had any verbal or written communication. I was notified by a past employer that Jefferson Capital Systems , LLC had repeatedly called my past employer. My past employer reached out to me and informed me yesterday, XX/XX/, of the incidents. 
Jefferson Capital Systems , LLC have violated the Fair Debt Collections Practices Act that protects consumers from harassment and privacy violations by bill collectors. Jefferson Capital Systems , LLC has violated these sections of FDCPA ; 15 USC 1692c 804, 2 ,3. Acquisition of location information, 15 USC 1692d 805a. 15 USC 1692d 805a, 3. 15 USC 1692d 805b., 15 USC 1692d 805, 15 USC 1692f 807,11. 15 USC 1692h 809. Validation of debts, I have not given prior consent of, me, the consumer given directly to the debt collector, or the express permission to communicate to a present or past employer. However, Jefferson Capital Systems , LLC has contacted a past employers and spoken to them, then disclosed that I supposedly owe a debt and they are trying to collect it.
Product: Debt collection

They contacted my dad and my sister multiple times stating they are XXXX and need to talk to me about the debt. I did not provide them their contact information. They asked them not to call and theyre still calling them. I am working on one of the loans through consolidation already through spite recovery solutions.
Product: Credit reporting or other personal consumer reports

THE COMPANY IS STILL REPORTING INACCURATE, OUTDATED, INCORRECT SPELLINGS OR REPRESENTATIONS OF MY LEGAL NAME, ADDRESS, PHONE NUMBER, AND EMPLOYER.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Credit Information for Account # XXXX I am writing to dispute inaccurate information reported by XXXX XXXX XXXX my credit report. The account details are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Closed Date : XX/XX/year> Balance : {$0.00} The following inaccuracies are noted : The account is reported as late ( 30, 60, and 90 days ) after the account was closed and paid in full. 

There are inconsistencies in reporting among XXXX and Equifax. 
Equifax falsely reports the account status as 120 days or more than four payments past due despite the account being paid in full. 

Under the Fair Credit Reporting Act ( FCRA ), they are required to ensure the accuracy of the information you report. I request that you investigate these inaccuracies and update my credit report to reflect accurate information. 

Please provide the results of your investigation in writing and send me an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX concern, On XX/XX/2023 I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all XXXX major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my XXXX XXXX accurate for me and my family. I will attach documents from XXXX, XXXX and experian so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on XXXX, Transunion and XXXX.There are forms of my name and addresses that should not appear on my credit report. 

My only name is XXXX XXXX. 
My only address is XXXX XXXX XXXX. XXXX XXXX, OH XXXX.
Product: Mortgage

My former fianc, XXXX XXXX, and I applied for a mortgage from Sierra Pacific Mortgage Company XXXX XXXX a California corporation, XXXX ID XXXX. The loan estimate was issued on XX/XX/XXXX16. The loan number we were given was XXXX. The rate was locked and due to expire on XX/XX/XXXX16. I called the mortgage company today and they said that XXXX had asked them to do a different mortgage with just him and that is what they were doing. They refused to give me the appraisal that was part of the loan we were doing together. The loan officer, XXXX XXXX, XXXX XXXX XXXX, wont return my calls. The loan coordinator, XXXX XXXX, said she would call me back and did n't. We own the house together as joint tenants with rights of survivorship. My fianc has no right to put a mortgage on the house without my consent. This mortgage company appears to be doing just that, which is mortgage fraud, according to my attorney. My name is XXXX XXXX and my telephone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a dispute to Equifax on XX/XX/XXXX via mail regarding a bankruptcy inaccurately reporting on my credit file. Equifax received my letter and began processing on XX/XX/XXXX and informed me they have 30 days to complete their investigation by law. One XX/XX/XXXX I received alerts from THREE different paid monitoring sites that they pulled an update on my credit report and that the public record ( bankruptcy ) had been removed and investigaton was complete. About 7 days later, I received more alerts stating a bankruptcy had been added! How is that legal? Its stated that if a previously removed item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five business days after the date of reinsertion. This FCRA requirement is rarely followed. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have been waiting well over 5 business days and nothing has came to me in writing. This morning of XX/XX/XXXX I called and spoke to 2 different customer service reps who could not explain why this happened and said its common. I stated that although some is common that doesnt make it fair, right or more importantly legal. I finally asked to be transferred to a supervisor who was equally unhelpful which has prompted me to formally make this complaint against Equifax for their illegal business practices and unethical tactics. They are not following the FCRA and this needs to be handled. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally reporting and requesting for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against your inaction. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Consumer Loan

I took a loan from Springstone Financial now Lending Club in XX/XX/XXXX through dental office " XXXX '' in the amount of {$24000.00} for dental implants. When I signed up for the loan I was told that it is interest free for 24 months and after that the interest will kick in on the amount remaining in the account. In XX/XX/XXXX, I was charged {$6400.00} in my account. I contacted Lending Club and asked about these charges and that 's when they explained to me that these are deferred interest charges from the 24 months of their promotional plan that just expired that month. I had {$3300.00} remaining from the original {$24000.00} loan. I immediately paid this amount. I also disputed the interest charges ( {$6400.00} ) and asked to close my account. I was told that I will not be able to close my account until the disputed amount is resolved. I was also told that I do n't need to make monthly payments on this disputed amount until it is resolved. Since then, I am being charged every month finance charges ( {$160.00} for XXXX and {$190.00} for XXXX ) on amount that I 'm disputing and on the account that I ca n't close. These are very high charges that are unfair to me since I am in this financial position because the terms were not provided to me the day I signed up for this loan. I received a letter on XXXX from Lending Club rejecting my request to dispute these charges explaining to me that these are " valid ''. And that the plan information was provided to me in my monthly statement. The crucial information of " Deferred interest '' was never provided to me when I signed up for the plan for me to make a decision to take it or leave it. Also because I was not informed about this condition in the plan, I did n't not look for it in the monthly statement. I believe that I was tricked to sign up for a plan and was not made aware of its crucial condition and wo n't be able to withdraw from it if I saw it after the fact because of my dental needs at the time. 
Quick search in the internet, I found that Springstone Financial ( now Lending Club or XXXX ) has lawsuits and CFPB Actions regarding the " Deferred interest promotional plan '' that I apparently was signed up for without my knowledge because of deceitful means used to promote this plan. In the CFPB action that I am attaching here with my complaint, Springsone was ordered to refund {$700000.00} in consumer relief to 3200 consumers as a result of the deceptive marketing and enrolment practices in its dental-service provider network. Springstone was also ordered by CFPB to reimburse and notify consumers affected by these practices. I am a consumer that is affected by this program and I am finding Lending Club action to pursuit me with these charges after CFPB took actions against them unfair and unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The sad fact and opinion by experience is Americans like ourselves are being held XXXX by basically corrupt people who believe themselves the good and decent, honorable patriot and some even believers as do they who work for them and execute this fraud comfortably without a care or concern. They allow misinformation and fraud to permeate their reporting system and to boot untimely! That produces lower credit scores and financial abuse. Does all that matter- NO! This will be closed got that closed immediately waiting for these agencies to report or correct and all the while taking their sweet time. Negatives posted immediately! Here is The company has responded that it is still working on your issue. 

We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 their own confirmation-
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Debt collection

IC Systems contacted me, claiming I owed a debt to XXXX. I submitted a written request for a copy of the original debtor 's agreement, and stated that a bill generated by a purported creditor alone would not suffice as proof of a debt incurred. That any entity can generate a bill, and the creditor MUST produce evidence of agreement to enter into a creditor/debtor relationship in order to validate the claim of a debt owed. Despite my request, IC Systems simply and solely provided a copy of a bill from XXXX dated XX/XX/17. The bill indicates a " Previous balance '' of {$23.00}, with {$0.00} payment received, and " New Charges '' of {$20.00}. No payment was received because no agreement between myself and XXXX ( or XXXX ) exists. In short, I did not sign up for their service, I did not agree to be indebted for their service and I do not agree to pay for their unsolicited service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter is reporting my account balance as over 20k but on their website it shows remaining balance as {$18000.00}. I've disputed this incorrect information several times but there has been no changes. My report also shows on one part not current but my account is in good standings. This is misleading to anyone who access my report.
Product: Credit card or prepaid card

The issue involves the Apple Card by Goldman Sachs Bank USA. 
I have tried since XXXX of XXXX to resolve dispute about a balance I do not owe. In fact, 2 associates told me I have overpaid. One stated I overpaid over {$300.00}. And another said over {$100.00}. I have been on the phone with them numerous times, which usually last 2 hours, going over the same problem, despite them having individual notes from each discussion. I have been told no interest would be accrued while in dispute but it continues. I wrote a letter, thinking that would resolve the issue but I didnt even receive a response. The latest balance, according to them, is {$400.00}. I do not owe this. Each time I have called every associate and specialist and or Supervisor comes up with a different amount. It should be a simple matter of adding and subtraction This has been an ongoing nightmare and has effected my excellent credit.. 
I do not have all dates, not realizing I would need them, but I know I called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also have a copy of numerous text messages. Some people I have spoken with are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
They refuse to resolve and while they state they will send in dispute, I receive nothing. 
It took forever to close this account, another 2 hour ordeal. 
I have never dealt with such an incompetent company in my entire life. 
I hope you can get some results. The XXXX, time, and damage to my credit is beyond upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned my XXXX credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed XXXX and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when XXXX XXXX stopped reporting on Credit Wise ). 

XXXX : In XX/XX/XXXX I have been informed on CreditWise that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on CreditWise, I have found that XXXX payment was reported from XXXX, and also myXXXX XXXX XXXX reported ( only on CreditWise ) debt over my credit limit. However, my financial aid ( latest from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The CreditWise website mentioned that thay have pulled the information from XXXX credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX, and XXXX, where everything was also correct. 

To sum up, everything was completely correct, beside Credit Wise report of my XXXX XXXX account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX, which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to XXXX, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called XXXX XXXX. I have called them 3 times more to XXXX XXXX. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact XXXX XXXX again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?