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

All of the below companys have used my credit report improperly. By law, if I refused to pay a debt a collection company has to stop all contact including reporting to my credit agencys. Also do not have any debt with the companys below nor have I signed a contract with them. I have disputed these account several times. Also I have not received a contract of debt from any of the following companies and would like proof of any contract I signed from there company and proof of validation of debt. Also they are reporting late, missed payments when I never agreed and actually am denying debt owed to them. These are the accounts below I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I leased a Vehicle in XXXX from XXXX with an option to purchase at the end of 100 payments. My final payment was XX/XX/XXXX ; however instead of invoicing me for the {$3400.00} purchase amount XXXX added it into the payment plan at the end of the lease. This account was not reported to the credit bureaus until XX/XX/XXXX and the information has not been corrected. I have sent documentation supporting my case however Equifax refuses to correct the problem and tells me the creditor verified the information as being correct. This has really damaged my credit significantly. They claim I have missed payments which is not true now they are claiming I owe a balance of $ XXXX. Equifax knows the correct balance I sent them documentation from XXXX to backup my claim ; however they refuse to correct the information on my credit report.
Product: Vehicle loan or lease

Us auto sales went under and I guess westlake portfolio took over which is even worse I think and I asked for records of what they received from us auto and they said they have none. How do I know what they are saying is right. Thus is so unprofessional. I am not sent any XXXX as overwork from westlake or us auto sales to make sure my acct is right. Us auto sales reposed my car in the past when I wasnt behind. And I did not receive one notice from them. Westlake sends nothing in the mail Please help XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I recently discovered Spotloan C/O Blue Chip Financial is a tribal lender and not authorized to extend loans to California residents. I sent a letter offering to pay the principle balance of the loan even though I am not legally required to do so, and received an email refusing my offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX is inaccurately reporting a balance of {$2900.00} and past due amount of {$480.00} on my credit report for an account that has been charged off since XX/XX/2019.
Product: Debt collection

This company has been calling my phone repeatedly. They refuse to tell me what debt this is for what company they are collecting for what the amount is or any other information they just keep calling my phone thinking that its a XXXX game and then XXXX a toy to be played with so XXXX a keep calling their XXXX phones on auto dial doing the same XXXX cause I dont know who the XXXX these people are what the XXXX they want
Product: Credit card or prepaid card

I have a Banana Republic Card through Syncrony Bank that I rarely use. I recently paid the bill in full but making the payment was almost impossible. I tried to pay it online but it would not let me login. I tried to recover my account information online, it would not let me do that. I then had to call to make the payment after trying to pay online for several days. I made the payment in full and the amount was applied in time to the account however I am not being charged yet another bill though the last payment was made in full. I can not login online to recover my account and view my bill and the IVR system has made it extremely difficult to recover my account when I call.
Product: Student loan

I have been trying to contact HESAA regarding my student loans for the past three weeks-their phone lines are down and no one has replied to my emails sent to their Client Services email address. I emailed them three times, as well have been receiving assistance from the New Jersey Department of Banking and Insurance, who also has been calling and emailing them and not getting a response. 

My account currently states that HESAA has not received my last scheduled payment and my account is delinquent. My last payment due date was XX/XX/2020, and I made a payment on XX/XX/2020 of the full amount. The payment history is reflected on the HESSA website, and I have the confirmation and credit card statements with the payments as well. 
I was hoping to get clarification about the delinquency of my account. 

As I have not received a response from HESAA since I began contacting them mid-XXXX, the payment I made for the month of XXXX was my normal payment, not the double amount which my account currently states I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage company sent to the credit bureau a wrong amount that was short from our mortgage. 
The mortgage company stated that we were 2 months late which we were not. 
This has effected our credit score over 100 points.
Product: Credit reporting or other personal consumer reports

In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I contacted Transunion XX/XX/2012 about removing XXXX tax liens from my credit report. I was a victim of identity theft and a business was opened in my name. The business then failed to pay State Sales Tax resulting in tax liens filed against me. I was told I had to provide a police report which I have multiple times to get these removed from my credit report. XXXX was able to remove them with no issue YEARS ago from my credit report. Every time I speak with Transunion I am told the exact same story, that the documents have not been received and they 're unable to remove anything without them. Despite multiple faxed copies, that show as being received by the fax receipt and mailing multiple copies including certified copies, the company still claims they have not gotten the needed information from me. The company refuses to provide me with a direct contact or direct email address of where I can send this information. This issue has been on going for FOUR years doing damage to my credit and is not expected to be removed for another 2-3 years. This is completely unacceptable. I have sent in the requested documents multiple times only for them to be " not received ''.
Product: Checking or savings account

On XX/XX/2020 I opened up an account with {$25.00} under my business name XXXX XXXX XXXX XXXX with Chase Bank online as local branches were not open to customers. On XX/XX/XXXX and XXXX I deposited {$2500.00} into my account for a total of {$5000.00} to cover business checks I wrote to cover contractors. On XX/XX/XXXX the contractors in which I wrote the checks too contacted me to tell me my checks bounced and they are getting returned check cost. I contacted Chase to why checks bounced and i was unable to access any of my accounts online. The Chase representative stated my account was restricted and being closed, When I asked why she told me she didn't know and by law doesnt have to tell me. I asked how to retrieve my money that I have deposited and owe my contractors, she directed me to banks that couldn't help me even after I explained the traveling expense involved. She told me that she spoke to the location and its all setup for me to withdraw my money, half way to the location i get a call from the location stating they cant help me that i need to go to another location. I did travel back across toll bridge to other location to receive to withdraw my money. When asked about reimbursement for my contractors bank fees i was told they cant do anything about that. My account was funded and had enough to cover my checks, i wasn't notified that my account was restricted until my contractors told me my checks didn't clear. I personally feel this was retaliation for submitting 2 CFPB complaints on Chase over the last few months. Consumer XXXX should not be allowed or tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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 filed a dispute on XXXX for hotel charges that were made in violation of the cancellation policy that I was provided at the time I booked the room. I was told to file this dispute by XXXX because they were unable to get the hotel that I made this reservation with to refund the money they charged when I didn't actually stay in the hotel. I was held to the policy that was only provided to people who booked directly on that particular hotel 's website, but even under that policy I should have gotten most of my money back. Per that policy I was supposed to get a refund for the nights that they were able to rebook the room, I checked to see if the room was available after I checked out and it said it was sold out. I provided a lot of evidence, including all the emails and screen shots that I took showing both policies and the fact that the room was rebooked. Simple did not appear to review the information I provided and instead went by what the hotel told them. They did refund {$110.00}, which they say was for two nights, but they still owe me {$700.00} per their cancellation policy. I just want simple to review my documentation before they close out my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX, have both violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am XXXX XXXX and XXXX. I was sent a letter from the medical company for a bill that was from XX/XX/XXXX. I responded with a letter ( XX/XX/XXXX or XX/XX/XXXX ) stating that I believed I had already Pais this debt, asking for proof. I heard nothing back from he medical facility. 

I received a letter in XX/XX/XXXX from a debt recovery firm claiming that I owed this debt. I called them and spoke to a young woman who was very accommodating I explained that I thought the debt was paid and panicked because I just moved and my files are not yet organized. I was sure I paid this debt and was concerned about it going onto my credit report. She said not to worry, she would request the appropriate proof from he medical facility and then get back to me. I reiterated that I was concerned about them placing it into my credit file and she reassured me that they would not do this because I was communicating. She was going to get back to me regarding the medical facilities invoicing. 

I received an alert on my credit report XX/XX/XXXX that they had reported this debt without any communication as I was promised. I received a letter from them the day after this was reported with no documentation of the charges, payments, etc just stating that I owed them this amount $ {$470.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I dispute the accuracy of these accounts listed on my credit report. I have no knowledge of these accounts or any associated transactions. Attempts to resolve this issue with the relevant creditors have been unsuccessful. The presence of these inaccurate accounts is negatively impacting my ability to complete financial tasks and I request their immediate removal.
Product: Debt collection

They keep calling me and have been using different numbers over the last few months and I've been reporting them to this website. 
They keep asking for someone who I don't know who they are and I have told them that and also they have the wrong contact information because I've lived at this number since the house was built. I've asked them to take me off their call list because of that reason and yet they still call me asking for that same person.
Product: Credit card

On XX/XX/XXXX, I received a push notification on my phone saying that my Apple Card ( Goldman Sachs ) had been closed. When I connected with customer support, they said they had no information but that an email about the closure had been sent. The email cited violation of customer agreement, however after reviewing the customer agreement, I had no indication of what violation I had made - the card had never been used for illicit activity, gambling, or fraudulent activities, and I had always made my payments on time and in full each month since opening the card. The customer support agent said he'd open a case, and that it could take up to XXXX business days to resolve. 

Additionally, the high yield savings account I had opened via the Apple Card was locked, and I am unable to withdraw or transfer the funds. I connected with customer support again on XX/XX/XXXX, who was unable to provide any information outside of " the account is being closed. '' I was given the option to receive a check, or have them open a case to enable me access to the account for the purposes of transferring the money. I opted for the latter, because I was scared of the check getting lost in the mail. 

No one at XXXX - Goldman Sachs has been able to provide me with the cause of closure of my Apple Card or the restriction of my savings account.
Product: Credit reporting or other personal consumer reports

The law is being broken and rights are being violated things are on my credit report that should not be there nothing is being verified 15 US 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting to all XXXX bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act this credit has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 it also states, a consumer reporting agency can not furnish and account without my written instructions under 15 USCs 166B, A creditor may not treat a payment or a credit card account under an open or consumer credit plan as a bla for any purpose.
Product: Credit reporting

I am a victim of identity theft and have collection accounts and credit inquiry that is fraudulent, unauthorized and do n't belong to me. The following collection accounts and credit inquiry do n't belong to me : XXXX, XXXX/XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX
Product: Debt collection

XXXX account listed under XXXX XXXX XXXX Account # XXXX Balance : {$140.00} This account does not belong to me. 
I have disputed this account several times with Experian Credit Agency, an they have yet to respond to my disputes.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX received a letter from First National Bank of Omaha stating they have unclaimed property in my mothers name in the amount of XXXX. I have until XXXX XXXX to respond. I called on XX/XX/XXXX and had to leave a voicemail for Mr. XXXX XXXX to call me back. I received NO RESPONSE so I called again on XX/XX/XXXX and left Mr. XXXX my name and phone number again. I also tried the cell phone number he gave me. The people at the cell phone number I received from Mr. XXXX have never heard of hime and had no idea who he was. Third phone call placed XX/XX/XXXX. The cell phone number that appears to be wrong was given to me by Mr. XXXX own message in what must be his own voice. That gives me pause and the reason for this complaint. Please help or steer me to the correct people who can. Thank you.
Product: Checking or savings account

I received an email from Chime Bank stating that my account would be closed On XX/XX/2021. There was no explanation listed. 

Today ( XX/XX/2021 ), I attempted to use my airline credits for travel. The travel agency informed me that a refund had been issued to my Chime card. The refund was issued on XXXX XX/XX/2021. The refund would take 3-10 days to appear within my account.

I reached out to Chime Member Services who stated that the refund was in fact Issued. 

I have no way to speak with someone within customer service to determine what activity led to my account being closed, or how I will receive my refund. 

Please assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has dragged there feet for well over XXXXXXXX XXXX in reguards to my disputes I well over XXXX XXXX supplied relevant information registered letter with court documents correspondences from sources etc see there response attached clearly they state at there discretion they can keep or remove disputed items off report under the fair credit reporting act I have wrote as well included responses FROM THE SOURCE they are not properly disputing or investigating how can a XXXX  party vendor or public reporting agency stand priority over the source exspecially when the source states other wise EXPERIAN IS ACTING IN BAD FAIRH CAUSED MUCH XXXX XXXX NOT TO MENTION DENIAL OF EXTENDED XXXX XXXX XXXX XXXX XXXX I provided a direct response from the court clearly stating they dont report to any credit bureaus and to remove at once it does not comply to FCRA-611 ( 15 USC-16811 ) and the information must be deleted immediately see there response
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXX XXXX  Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. 

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. 

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. 

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Thank you so much for your time.
Product: Debt collection

On XX/XX/2022 I was XXXXXXXX by loanDepot with production requirements and a signing bonus/draw. I was only given 2 weeks from the date my license was transferred to the deadline where I was supposed to fund a loan. That contract set me up for failure not allowing enough time for me to fund any loans with the time frame given. I was also terminated based on discrimination ( I didn't want to turn on my webcam for a group meeting when lots of people didn't turn theirs on ) and it was not my decision to quit or break my contract with loanDepot. Before I signed the contract I was assured by the branch manager XXXX XXXX that as long as I was working and producing I would be ok which I was doing. I had loans in escrow and approved. I have been repaying the draw monthly but I also noticed my consumer rights were violated FDCPA/EFTA by loanDepot when they charged my credit card without a written authorization form on file. I would like the remaining balance waived by loanDepot with a letter releasing me of any debt they claim I owe.