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

So I had a weekly lease for the vehicle to drive for work from Fair. I had the vehicle for almost 2 years maintaining the {$200.00} a week with no problem. On a day a payment was due to be taken out it didn't come out of my bank account. I called the company and they told me my account was in good standing and that they would have all the problems fixed. Then the corona virus hit and I wasn't working as much, and they still weren't taking money out of my account weekly and there was no way on the app to pay for the vehicle. I then returned the vehicle since I wasn't driving for work because of covid. They started calling me at about a few months of not taking a payment telling me I needed to pay about {$2500.00} and asking me how I would like to pay this. I continually asked them to please send me a bill so I could work things out with them. They assured me they would. But then started calling me every single day up to 10 times a day. I had to block them because it was a nuisance, all hours of the day, weekends, holidays, from different numbers. I never got a detailed bill on how I could even begin to make payments or anything. They call me and tell me the same exact thing, and I just stopped answering because nothing is being done. It's becoming harassing and I don't answer the phone to any numbers I don't know now. I'm not even sure of exactly what I owe them because I never got a detailed bill. It seems different every time they called and I talked to someone. The calls seem to be threatening, and I've even ended up in tears and getting upset when I did talk to them. So I stopped answering and I never got a bill in the mail.
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  - XXXX XXXX Account Number : XXXX I listed above all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.
Product: Mortgage

Foreclosure occurred while a modification process was in effect. I will incorporate documents showing lender engaging in a loan modification process and failed to comply with civil codes XXXX by auctioning my house while a was negotiating a repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

After my previous complaint to which I provided a response today I have anther reason to file complaint - unauthorized closure of my membership with Sam 's Club. My membership was paid with XXXX XXXX credit card and not Synchrony bank credit card which I obtained much later. Yet I received a notice from Synchrony bank that my Sam 's Club membership had been closed effective XXXX XXXX, XXXX  due to inability to " automatic renewal. '' Since payment as made with a credit card from XXXX what authority Synchrony bank has to cancel my membership unliterally?!
Product: Checking or savings account

Complaint involves Synchrony Bank. I have a CD I want o close at its maturity date in XX/XX/2021. I get a letter telling me I can only close account by calling Banker. 

Call number printed on letter, XXXX XXXX after XXXX minutes on hold, I give up. XXXX another number, call that number. After 10 minutes on hold I get someone who proceeds to ask me every possible question to verify my identity. I answer all correctly. 

Then he claims he has to send me a code, on my phone, however its a link to something that doesn't open. Does this twice, then claims the " system isn't working correctly '' So he will call me on my number. Of course that doesn't work either. I ask for a supervisor and am told I will be on hold for a long time. 

So Synchrony has set up a system to discourage and ensure that people can't close their accounts. Oh and he also mentioned the amount in my account, so if I was a thief, now I know how much I can steal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my right. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instruction. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously wrote to Equifax to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Product: Money transfer, virtual currency, or money service

I deposited money into GEMINI TRUST App on XXXX by creating an account which it is holding indefinitely and not allowing me to move, withdraw, add to, or reinvest, because it's awaiting " verification '' which was supposed to take 2 weeks. It's been months. Multiple attempts to reach the company have gone unanswered, and the money sits in an account that GEMINI holds that I can't use. I can't do anything. I want it resolved so I can get the money out. It feels like fraud. I've lost money over the time that it's sat in the account because the market is shifting and GEMINI won't let me use the service as it advertised. They're just using my money for their ledger.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My XXXX insurance is paying my truck payment and every three to four months I have to get paperwork signed by my doctors. I had an appointment with the doctor in XX/XX/XXXX and my next appointment could not be scheduled until XX/XX/XXXX. I contact my insurance company to tell them my next appointment but I had to get documentation signed by my doctor after XX/XX/XXXX. Fifth 3rd bank contacted me in XX/XX/XXXX and I explained that my next appointment wasn't until XX/XX/XXXX. They said okay we will notate this in our notes but I will be contacted in two weeks again. I was contacted again and I explained the same information to collections. On the XXXX of XX/XX/XXXX, I saw my doctor and discussed XXXX XXXX XXXX XXXX in the near future and got my documentation signed and submitted to my insurance company and the insurance company submitted payment to Fifth 3rd bank on the XXXX of XXXX as my payment is due on the XXXX of each month. I contacted the Fifth 3rd bank after discovering that I had missed payments on my credit report. I explained that the payment had been sent to the collection department and they stated that they did not make that report, but customer service filed the report. I asked them did they file my corresponding in my file. They explain yes but customer service and collections do not contact each other or correspond with each other on accounts. I ask what can I do to get the report removed and was told to contact customer service and they can remove the false reporting and that was on XX/XX/XXXX. They then transferred me over to customer service and I explained the situation and the agent explain that she could remove the missed payment but it had not posted yet so wait until it does and call back. On the XXXX I called back and was told that I was in delinquent payment and it will not be removed from my account. I explained that the payment was sent on the XXXX of XX/XX/XXXX and there has been a delay in the mail. I asked to speak to a manager named XXXX ID # XXXX and explain my situation again and the manager stated that a phone tract will be conducted to prove my statements and he will contact me on Thursday the XXXX of XX/XX/XXXX. On Thursday I received a call from a young lady calling for XXXX that he said that my account will remain delinquent even though my account was paid up because they had received payment. I explain and said that was not fair for me to have an account in delinquent and the account is paid up. I told them I would report this matter and now I'm submitting this report. My insurance has been paying for this account since XXXX with no problems until now.
Product: Credit reporting or other personal consumer reports

XXXX incorrectly reported several late payments on my student loan account during the periods my loan was in forbearance. I contacted XXXX and was told to contact the consumer reporting agencies directly. I disputed the incorrect late payments with XXXX and Experian. I sent them my account history that was received from XXXX which shows the dates of forbearance. However, the dispute results from both companies continues to show multiple inaccurate late payments. They have not resolved my dispute and continue to report incorrect information despite having correct information. They are willfully harming my credit score and ability to obtain credit and fair interest rates.
Product: Debt collection

Please read attached notice I received. On XXXX XXXX2020, Harris & Harris Ltd violated my consumer rights by not letting me know that I could dispute this debt. They also retrieved my location information without my consent. They also contacted me without my consent. They threatened to boot and seize the vehicle if I didnt pay the debt. Its apparent that they were unfair, deceptive and abusive. I paid the collection because I was not informed that I could dispute and I was scared that they would continue to take adverse action.
Product: Credit reporting or other personal consumer reports

am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB XXXX XXXX, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit card or prepaid card

I did a Balance Transfer, was charged a fee, to receive a zero percent APR on that balance transfer. 
I continued making purchases on that card but always made on time payments in excess of purchases to take down that balance transfer. 
As per the credit card agreement, for purchases I am supposed to receive a 24 to 30 day grace on interest on purchases. The way the credit card allocated the payments, they would allocate my payments against my balance transfer so that I wouldn't pay my purchases for the month in full, and as such allowed the credit card company to continue charging me interest. My understanding is that payments should be made against the higher rate balances first, which would be my monthly purchases, and then apply any additional payment against the 0 % balance transfer. When that wasn't being done, I asked the credit card company to explain how my payments was being allocated and so I can avoid the interest. They would not furnish this information to me on my request. As a result, I have been assessed hundreds of dollars in interest charges over the 0 % APR promotional period. I think the bank is not acting in good faith and given they wouldn't disclose how my payments were being allocated, that is a deceptive tactic. I should be compensated for the interest charges I have been assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a data breach in XX/XX/2017. This breach compromised my personal private information. I have NEVER given Equifax Expressed or Written permission to report or obtain ANY information about my consumer. 
Since the breach, Multiple attempts have been made to open bank accounts and credit cards using my information without my consent aka identity theft. It has led to my detriment, injury, and harm to my consumer rights. 
This breach has also compromised the integrity and accuracy of my consumer report impacting my financial health and my ability to obtain additional credit. 
Equifax has negligently violated the FCRA, Gramm-Leach-Bliley Act, and my rights to privacy. 
This has caused me undue stress, financial loss, and injury. 

VIOLATIONS : 602-15 U.S.C. 1681. Congressional findings and statement of purpose ( 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.
Product: Debt collection

Affirm and XXXX ; This letter is being sent to you in response to : XXXX. AResponse to alisting on my Credit Report DEBT VALIDATION XXXX. 
XXXX. Improper response and delay tactics under the FCRA. 
Lack of previous Debt Validation requested via CFPB Complaint # XXXX XXXX. XXXX. 
XXXX. 
XXXX. Verification that no validation has been received on multiple prior occasions via CFPB complaints that are on file with the agency. 
XXXX. Acomment was added to my credit file saying that adispute was resolved this is fraudulent and should have never been added this reporting must be removed immediately. 
Be advised this is not arefusal to pay, but anotice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT arequest for verification or proof of my mailing address, but arequest for VALIDATION made pursuant to the above-named Title and Section. Irespectfully request your offices provide me with competent evidence that Ihave any legal obligation to pay you.

At this time, Iwill also inform you that your offices have reported invalidated information the XXXXmajor credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, since negative marks are found on my credit reports by your company or the company that you represent, Iwill not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. The items you are reporting must be deleted immediately.

Under 15 USC 1692g the following must be provided immediately : XXXX. Adetailed list of the history of payments made by me on this account. 
XXXX. Chain of title of this debt stating that you have the ability to collect on this debt. 
XXXX. Asignature that Iput on acontract guaranteeing that Iwould pay this debt.

4. Asignature on any modification of acontract guaranteeing that Iwould pay this debt. XXXX. Astatement stating if an insurance claim has been filed on this debt. 
If your offices are able to provide the proper documentation as requested in the following Declaration, Iwill require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, Iwill consult with my legal
Product: Debt collection

The original creditors were predatory loans that I took out for a family member. I was contacted by NCA several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that NCA had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XX/XX/2018 ). I sent e-mail messages and sent letters through the US Postal service and NCA has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and NCA has confirmed and updated the accounts with inaccurate information.
Product: Mortgage

I HEAD 6 LINE OF CREDITS WITH BANK OF AMERICA, AND ALWAYS PAID THEM ON TIME SINCE XXXX, ALL OF THEM WAS ON AUTOMATIC PAYMENT. IN XX/XX/XXXX I CHECKED MY CREDIT HISTORY AND WAS SURPRISED TO FIND OUT THAT BANK OF AMERICA REPORTED LATE PAYMENT ON XXXX FOR ONE OF THE 6 EQUITY LINE OF CREDITS, I CONTACTED BANK AND ASKED TO INVESTIGATE THE MATTER, STATING THAT IT IS IMPOSSIBLE, I COULD NOT HAVE A LATE PAYMENT ON 1 OF THE 6 LINE OF CREDITS BECAUSE ALL OF THEM WAS SET UP FOR AUTOMATIC PAYMENT. PLEASE HELP. THANK YOU.