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

This company is violating Arizonas Statutory limits of 3 years of credit card debt. The company is utilizing higher ups to coerce payment and exercise stall tactics in order to continue to violate my consumer rights as a United States citizen.
Product: Checking or savings account

XX/XX/2021, I called BBVA Customer Service to request a new Debit Card. I was advised that I would receive it ... ASAP. I again call BBVA customer service in or around XX/XX/XXXX to inquire about my debit card. I was asked to visit my local branch, which I did to request ANOTHER card. XX/XX/2021 I again call BBVA to find out the status of my card and I was told to visit the local branch AGAIN to request the card. I called the local branch, and I was advised that NO ONE, WENT ON XX/XX/2021 TO REQUEST a card. I will start acquiring late fees because of BBVA failure to provide me the means to pay my bills, which all of them are ONLINE and only can be done thru debit/credit card. Last thing I was told by customer service locally was that they apologize again for the inconvenience and that they will not assist me to find a quick remedy to my problem, which is one that they created in the first place.
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history. 
Inquiries : XXXX XXXX XXXX  report number XXXX date XXXX XXXX XXXX report number XXXX date XXXX XXXX XXXXXXXX report number XXXX date XXXX XXXX  XXXX XXXX XXXX report number XXXX Date XXXX XXXXXXXX XXXX  report number XXXX date XXXX XXXX  report number XXXX date XXXX XXXX report number XXXX Date XXXX XXXX report number XXXX date XXXX XXXX XXXX report number XXXX date XXXX XXXX XXXX XXXX  report number XXXX date XXXXXXXX XXXX XXXX XXXX report number XXXX date XXXX XXXX XXXX XXXX XXXX report number XXXX date XXXX XXXX XXXX  report number XXXX date XXXX XXXX XXXX XXXX report number XXXX date XXXX XXXX XXXX XXXX XXXX report number XXXX Date XXXX
Product: Credit card

I have sent multiple letters to this address " American Express, XXXX XXXX XXXX, ATTN XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX '' regarding my issue and I have gotten the same automated message in writing in return. I've also sent a Claim Notice to the address " American Express ADR c/o XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On multiple occasions I tried calling customer service to connect me with someone of higher position or understanding to their SEC filings regarding the XXXX, Prospectus, and the indenture trust agreement dated XX/XX/year>, and yet have I received remedy. There are unjustified violations that American Express are committing to me as the Beneficiary and investor towards the company from breach of contract, breach of fiduciary duty and Securities Fraud. Behind everything I have said I have reason to believe they are committing organized crime without my known knowledge as well. Yes, I am the Note Holder, and I will attach proof of that as well as my letter and supporting documents. Please fulfill your fiduciary duty and fix this issue immediately or I will be reporting American Express to the XXXX XXXX XXXX and all other proper authorities and seeking all civil penalties.
Product: Mortgage

I started a refinance with Paramount Equity in California on XXXX XXXX. It is now XXXX XXXX and they keep stalling about the settlement. They told me 4 weeks and 2 weeks ago that I would have it settled by now. I have not heard from my worker and suddenly I have an email that I have to have another appraisal. I have no explanation about what this is about. 

I have immediately sent them any papers they requested. The only thing that I was late on was my income tax. My income is so low that the tax preparer told me that I would not have to do an income tax since it does not vary. Anyway, I immediately filed the income tax. I finally got a copy of it and sent it to the person handling the case then. She said she did not get a copy. Then she said she did not get a copy from IRS. 

The above incident took time. I contacted the woman who sent me my return at IRS. Still nothing was sent to this woman at Paramount. I did not hear anything more from her so I assumed she had obtained the Tax return. Valuable time was lost because of this. I eventually went to my Congressman, XXXX XXXX. He got the tax return. 

They sent me a letter saying they were denying my refinancing. After I complained to the organization itself, they wanted to work with me again. They said they did not need my tax return. It sounds like they might have lost the tax return. 

They promised me they would settle today. Instead I get a request from a person to call them to have another appraisal done. The last appraisal cost {$400.00} dollars that I borrowed from my son. I paid XXXX dollars to have my house cleaned as then I had a XXXX XXXX. 
I can not afford XXXX dollars now. If they had worked consistently and gave good customer service, it would have been done by now. We probably would not have needed the appraisal. 

They told me that I could get a cash out of XXXX XXXX and XXXX XXXX to cover my debts. Then two weeks later another person calls me and said no way I could get a cash out as my debt to earnings ratio is not great. 

I expected this to be over by XXXX at least. By that time I would have my debts paid and able to live on my income. I had to take out XXXX other credit cards as I was not able to live on my income because I had to pay debts. 

I have asked Paramount Equity and the whole list of people I have worked with : XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX to let me know what is going on and do not leave me stranded.
Product: Credit reporting or other personal consumer reports

I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. XXXX, Equifax and XXXX are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law.

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).
Product: Debt collection

Oliphant USA Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Oliphant USA never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy, accuracy and confidentiality under 15 USC 1681 and 15 USC 1692 ( c ). I am refusing to pay any collection debt and I do not want any of the merchants contacting me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this is on my experian credit as of XX/XX/year>. 
These companies all provide inaccurate and incorrect information. As of 15USC1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled an unknown amount of my personal information putting me at risk of identity theft. OnXX/XX/XXXX2017, I was listed as a potential victim on their XXXX.com website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017- MIDLAND FUNDING as they are wrongfully reporting to my credit report. I've sent multiple letter to the credit bureaus to remove. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 an account without my written instruction.

15 U.S.C. 1681C ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information " ANY '' other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been requesting that XXXX XXXX  close my online savings account for several weeks. Two requests were via the bank 's internal email on XX/XX/XXXX and XX/XX/XXXX. Two were phone calls to the bank 's customer service line ( XXXX ) on XX/XX/XXXX & XX/XX/XXXX. XXXX told me that the department that closes accounts is very busy. But I find this silence and lack of follow through highly unusual. My savings account is still open ( with a XXXX balance since the beginning of XXXX ). I also placed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX with no results. XXXX XXXX  has not replied.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to use a XXXX XXXX XXXX XXXX ATM in XXXX XXXX, Kentucky with my USAA debit card. I put in the XXXX XXXX ATM {$1600.00} all in {$50.00} increments, so a total of XXXX {$50.00} bills. The ATM cancelled the transaction and read that it was unable to complete the transaction and that it was returning my money. The ATM then read that it was unable to return the funds and to contact my financial institution. I immediately went into XXXX XXXX to raise the issue. They stated that I needed to submit a dispute with USAA ( my bank ) in order to get the money back. I have tried to do several disputes with USAA but because the transaction was cancelled, they are unable to see the transaction and therefore can not the transaction. I have went to XXXX XXXX several times in attempts to get my money back, but each time I go, they tell me that USAA has to dispute the transaction. Both financial institutions are telling me that I must go to the other to get the money back. XXXX XXXX verified that there was an overage at the ATM I attempted to use on XX/XX/XXXX. After multiple phone calls with a higher up manger in the XXXX XXXX Customer Department, she stated that their hands are tied and they can not release my money until USAA sends something on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXand XX/XX/XXXX I have reached out to the credit reporting agency and bureaus reporting report on my credit file. As of today, I have failed to here back from either Bureaus. No action were taking on there part but he creditors did leave remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. This account was already removed Off on XXXX and Please honor all request of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XXXX XXXX 2020. As of today I have not received any response from Experian, XXXX or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.
Product: Vehicle loan or lease

Summary : Chrysler capital keeps paying property tax bills for a closed account, and we can not get a direct line to anyone to try and fix the title issues with the state. 

The biggest issue here is that you can not get assigned an agent or anyones direct line, so you are routed at random whenever we try to speak with someone about a recurring issue. I had leased a truck through Chrysler Capital, and sold that car- with the existing loan being paid off in full - in XX/XX/XXXX. The car company that purchased the car did not correctly change the title, so the state sent an erroneous tax XXXX to Chrysler capital. Even though the account is closed, XXXX paid it, and then billed me for it. Trying to get this bill removed from our account, we spent hundreds of hours, both with the state and with Chrysler Capital, explaining the situation. They refused to give me a direct line to anyone, so when I would call, I would have to stay on hold for an hour, and then get routed to a random representative. I would have to explain what happened over and over again, only to be told someone was looking into my case and would give me a call. If I missed that call, they would tell me to call the national line again, where the process would repeat. It was impossible to get a real answer out of them. When the state needed forms faxed over to try and close the registration, they took a weeks and we continually received the runaround. 
Finally, We had confirmation in XX/XX/XXXX that our Chrysler Capital account was closed. 
Now we received another bill in XXXX of XXXX with another state property tax bill. We thought this was resolved with the state, and are working on that separately, but ultimately, why is Chrysler Capital still paying bills for a CLOSED account? They should never have paid the bill. We want to be completely removed from their system, but unfortunately can not get ahold of anyone to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided Experian with two copies of my FTC identity theft report regarding XXXX XXXX XXXX collection agency attempting to collect a fraudulent debt. Experian responded back within 2-3 days of the dispute with the fraudulent account not being removed from my consumer report. Experian initiated an investigation that was not thorough and only took them one day to again, leave the fraudulent account on my consumer report. I'm a victim of the XXXX data breach which has resulted in the fraudulent account and various fraudulent inquiries and addresses being listed on my credit report.
Product: Debt collection

I received a letter from American Coradius International stating that I owed XXXX  {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted XXXX support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other XXXX users are getting the same fraudulent letters from the same company.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and found several hard inquiries that do not belong to me and I did not authorize.
Product: Credit card

I was thinking about a credit card and got information but never decided to go with it
Product: Vehicle loan or lease

Dear Ladies and Gentlemen, due to the COVID-19 hardship we had requested to lower the amount of our monthly car payments with Carmax Finance. On the phone, the representative had told me this was no problem at all, that we should just pay what we can. 
However, after paying only {$100.00} last month XXXX XXXX XXXX, we received a letter from Carmax stating that our amount is past due and a late fee charge was also added and they are also threatening now that they may report this information to the credit bureaus if the payment is more than 30days late ( which it will be on XXXX ). This should not belegitimate during a pandemic where people loose their jobs, work less hours, have to stay home to homeschool children and do not have the money to pay all bills, especially after this was discussed with Carmax before and we were assure it would be ok to make any payment we are able to.
Product: Credit card or prepaid card

Good Afternoon ; I was shocked when I reviewed my credit report and found late payment during this year between XXXX and XXXX of 2020 for 30 days late. Each credit bureaus are reporting that i was late different months. It's not consistent. Something is not correct. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, A HARD INQUIRY WAS MADE BY HONDA FINANCIAL SERVICES ON MY CREDIT REPORT. I DID NOT MAKE THIS INQUIRY NOR DID I AUTHORIZE ANYONE ELSE TO MAKE THIS INQUIRY. XXXX XXXX IN XXXX XXXX, MS WAS WHERE THIS INQUIRY TOOK PLACE. I SPOKE WITH GENERAL MANAGER AND THE FINANCE MANAGER AND BOTH AGREED TO HAVE IT IT REMOVED FROM MY CREDIT REPORT. ONE MONTH LATER IT WAS STILL THERE. I CONTACTED BOTH OF THEM AGAIN AND WAS INFORMED THAT ONLY HONDA FINANCIAL SERVICES COULD REMOVE IT, NOT THE DEALERSHIP. THEY GAVE ME A CONTACT NAME AND NUMBER. I CONTACTED SEVERAL DIFFERENT PEOPLE OVER THE NEXT 3 MONTHS. I FINALLY REACHED A MAN WHO SUPPOSEDLY WAS TOP OF THE FOOD CHAIN IN THAT DEPARTMENT. HE SAID HE WOULD TAKE CARE OF IT. I FOUND OUT THROUGH ANOTHER WOMAN IN HIS DEPARTMENT THAT HE DEMANDED HIS NAME AND NUMBER NEVER BE GIVEN OUT AGAIN. HE REFUSED AFTER THAT TO HAVE ANY CONTACT WITH ME. AFTER THAT ANOTHER WOMAN IN HIS DEPARTMENT TOLD ME TO CONTACT THE LEAD HONDA FINANCIAL SERVICES CUSTOMER SERVICE SUPERVISOR. HER NAME IS XXXX. FOR NOW. I SPOKE WITH HER SEVERAL TIMES IN XX/XX/XXXX AND SHE CONTACTED CORPORATE LEGAL IN CALIFORNIA. THEY TOLD HER TO CONTACT EACH ONE OF THE CREDIT BUREAUS AND HAVE IT REMOVED AND IF I HAD FILED A POLICE REPORT ( WHICH I DID XX/XX/XXXX ) TO SUBMIT THAT AS WELL AND THEY GAVE HER THE CODES TO USE SO THAT ALL 3 CREDIT BUREAUS WOULD COOPERATE. SHE DID NOT GET A RESPONSE FROM XXXX ... .THEY SAID THEY WOULD RETURN AFTER THE XXXX HOLIDAYS. XXXX WAS VERY RUDE AND TOLD HER THEY NEED A LETTER, A POLICE REPORT, ETC AND THEY WOULD NOT ACCEPT THE CODE TO REMOVE IT FROM MY REPORT. XXXX WAS UN-COOPERATIVE AS WELL. SHE SAID WE WOULD TRY AGAIN ON MONDAY, XX/XX/XXXX AFTER THE XXXX HOLIDAYS. I CALLED HER THAT MORNING AND STILL AS OF THIS DATE ( XX/XX/XXXX ), I STILL HAVE NOT RECEIVED ANY RESPONSE FOR THE 15 + CALLS I HAVE MADE TO HER. ON XX/XX/XXXX I CONTACTED CORPORATE LEGAL IN XXXX, CALIFORNIA AND SPOKE WITH SEVERAL LEGAL TEAM MEMBERS WHO ADVISED ME TO REACH OUT TO ( XXXX. ) CUSTOMER SERVICE SUPERVISOR AGAIN AND REMIND HER OF HER COMMITMENT TO HELP ME RESOLVE THIS ISSUE. I CALLED AGAIN TODAY, XX/XX/XXXX. I  LEFT A LENGTHLY MESSAGE AND STILL NO RESPONSE. I DO NOT KNOW WHAT ELSE TO DO. 
I DISPUTED THIS HARD INQUIRY WITH ALL 3 CREDIT BUREAUS AND THE LETTER I GOT BACK STATED THE INQUIRY WAS CONSIDERED FACTUAL AND ONLY THE CREDIT PROVIDER COULD REMOVE IT. 
THE GIRL IN THE XXXX XXXX MADE THE INQUIRY ON HER COMPUTER AT HER KIOSK. AT FIRST SHE DENIED IT THEN SHE SAID SHE DID IT AFTER GETTING MY HUSBAND TO GIVE HER MY SS # FOR IDENTIFICATION PURPOSES ONLY. NOT FOR CREDIT INQUIRY OR CREDIT WORTHINESS. I REPEAT I WAS NOT THERE. I HAVE NEVER BEEN THERE AND DID NOT AUTHORIZE THIS INQUIRY NOR DID MY HUSBAND. 
PLEASE HELP ME ... ... ... ... .I WANT HONDA FINANCIAL SERVICES/ AMERICAN HONDA FINANCE OFF MY CREDIT REPORT