23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I mobile deposited a check from   XXXX   XXXX   dealership for  XXXX . The check was deposited in my account on  XXXX / XXXX /  XXXX  . The check was drawn on   XXXX   XXXX   of   XXXX    va. The check was then withdrawn from my Pentagon federal credit union account on  XXXX / XXXX /  XXXX   for duplicate deposit. I 've contacted both banks and the issuer and keep getting the run around. The check was apparently deposited in  XXXX  accounts. My car was stolen and the check was in my vehicle glove box at the time of the theft. Please help
Product: Credit reporting or other personal consumer reports

XXXX and XXXX continues to report an account that should be removed. The XXXX account is too old to report. The account went into default in 2017 making it too old to report. I reached out to XXXX XXXX and requested a copy of the account payment history. They advised that they no longer have this information after an account is paid off.
Product: Vehicle loan or lease

on XX/XX/XXXX, Ally called my mom looking for me -- said they were trying to contact me -- -I had already contacted them on XX/XX/XXXX, Ally called my girlfriend, XXXX , looking for me -- -said they were looking for me but could not tell her why -- -I called them back and spoke with XXXX -- -I asked why they called XXXX -- XXXXshe said , well, it should not come to that, now should it on XX/XX/XXXX, Ally called XXXX again and left a message -- XXXX called them back, curious as to what was going on -- -they told her I was several payments behind and my vehicle was up for repossession and I was not calling them back -- -not true on XX/XX/XXXX, they called my dad, XXXX, and told him they were looking for me but could not tell him why as he was not on my 'ok to give information to ' list why did they tell XXXX what they did when no one but me is on the 'ok to give information to ' list?
Product: Credit card or prepaid card

got a call from from chase fraud support about y card application. took forever to get to someone, and when I did, no one know what they were talking about or why i was called. took 10 minutes to talk to someone because their phone system XXXX. still have not recieved card and it has been longer than they say, and keep telling me to wait another day.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must remove the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been facing nothing but trouble when attempting to have Trans Union remove public record information that they are reporting through a third party source without my consent, which is unlawful. I have made numerous attempts to have them remove stated item in my public record section on my credit report with them.

To no avail, they have not once complied with my request to verify with direct source and are continuing to send information back as verified with no accountability of the direct source. I have not, nor have given anyone from Trans Union or their third party reporting services, any written consent or permission to have my information listed.

My credit report and scores have taken a major hit, and are continuing to impact me negatively. Trans Union is causing beyond due stress and harm and are continuing to break the law and will not assist me with correcting the matter at hand.

I have attached copies of Trans Union 's stated reply, which they have not complied with my request of direct verification. I also have contacted and received letter from stated source that they do not report or have given any information to Trans Union, which would result in a direct violation of FCRA and Breach of Privacy Laws.

I have attached letter as well for review and also a copy of certified receipt that Trans Union has received all documents for removal request and have not complied to request per law for removal.
Product: Vehicle loan or lease

So this was my BBB complaint a 1 month ago- So it's sad to have to come to the BBB to get a response from Motolease/Motorcycle group XXXX So I have account with them that is a LOAN and not a lease, let me add that I am currently 18 days past due on purpose as I will not be making this payment until my issue is fixed and my account manager doesn't even respond to my emails or reach out unless it's about being past due. I have documentation that I have reached out the XXXX as well as XXXX XXXX to get assistance in regarding to the Servicemembers Civil Relief Act AND MOST IMPORTANT is my motorcycle can't be refinanced with another company because they have it stated as a LEASE with the DMV as well as with other finance companies. I have forwarded all documentation via email only so I have proof. I have also submitted paperwork to have the title transferred due to my PCS coming up and the DMV is telling me it needs to be fixed to loan and not a lease. I did a previous loan many years ago with XXXX and had so many issues. When I decided to come back I was assured that " now it's loans they do, not leases '' " they have improved their customer service '' blah blah blah. All I want is my XXXX XXXX XXXX XXXX to be updated on my account as well as my account fixed to note what it is as it took 3 months just for my name change to be fixed. When I called about that they had no idea as to why it wasn't fixed but finally they did fix that one. My loan number is XXXX XXXX XXXX XXXX Maybe I can get there attention here because this is getting ridiculous to just get an update on items, exspecially since I'm constantly getting payment reminders by my account manager but no response when questions are asked afterwards. Also I'm currently XXXX and constantly tell them to contact me by email and my husband keeps telling me they are calling. It's like they don't even read their own notes on their customers. Im over it exspecially during XXXX. 

This will now be my continued complaint as XXXX has removed and reapplied my loan to my credit report XXXX separate times now. The first time they removed it and replaced it back with another lease dinging my credit report down by 20 points. Today they removed and replaced it again with now a XXXX balance as well as not marking it with a lease or loan status. This has caused my credit to go down 50 points now. I have communicated with the company to see how they will fix the problem as well as forcing me to pay the renewal fee of XXXX to the CA XXXX where I do not reside any longer due to the military. They have no response as well as won't compensate me for anything that has taken place. I have XXXX hard inquiries on my report for attempting to refinance but since it's marked as a lease this can not happen. I have all documentation if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  All 3 collection services have incorrect information which I keep trying to dispute and it clearly isnt working The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities. 

See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.
Product: Checking or savings account

When we learned that the payee never received the bill paycheck, we first contacted the back on XX/XX/XXXX, telling them that Check No.XXXX sent by them on XX/XX/XXXX, was not received by XXXX XXXX XXXX who is the payee and were told they will investigate as we requested to credit our account for the {$400.00} the check was issued and debited to our account, but never has been cashed. We called again on XX/XX/XXXX, and we were told to call back on XX/XX/XXXX, which we did and still no response. The next calls were made on XXXX XXXX and XX/XX/XXXX, and every time we called, we got a different explanation from the customer service rep. that answer our call. 
Then on XXXX XXXX we called again and were told that they have found that the check has been cashed but couldn't tell me by whom and that they were going to mail us copy the paid check. By XXXX XXXX we called again as we haven't received the copy of the paid check, they were supposed to mail us, and this time the response was that we needed to go to the bank branch to solve this problem, so we did and spoke with the bank branch manager and another bank employee and the bank re-open the case on XX/XX/XXXX, with Case No.XXXX. XXXX XXXX XXXX XXXX is a non-profit organization that needs every penny available in order to help the community, so these {$400.00} are very much needed to be credited back to our bank account.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that these accounts be blocked and removed from my credit file : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$16000.00} As a result of the data breach, I am requesting that these accounts be blocked as they are potentially the result of fraudulent activity. Please take the necessary steps to ensure that these accounts are blocked from my credit report, and confirm the deletion of any associated data in accordance with the law.
Product: Mortgage

On XXXX of XXXX thru XX/XX/XXXX we were in loss mitigation. During this time Freedom Mortgage inform us not to make a payment until the mitigation was complete. The mitigation was complete on XXXX however Freedom Mortgage penalize us for being late as it says on my credit report. They also don't show any payments we've made this year. We made on-time payments XXXX, XXXX, and XXXX. We then paid off the loan in XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their failure to accurately update and report information on my credit file, despite multiple attempts to resolve this issue. Equifax 's actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically their obligations under Sections 611 ( reasonable investigation ) and 623 ( accurate reporting by furnishers ). 

Background Information I have an account with XXXX XXXX XXXXXXXX that was closed and resolved under unique circumstances related to medical issues and a natural disaster. XXXX XXXX XXXXXXXX has provided documentation confirming the following : My account was never late. 
The charge-off status was removed. 
The derogatory late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year> were resolved. 
Both XXXX and XXXX have updated their records based on this information. However, Equifax continues to report outdated and inaccurate derogatory marks for the above months. 

Equifax 's Failure to Investigate Equifax has repeatedly failed to conduct a reasonable investigation into my dispute, as required under FCRA Section 611. Despite providing sufficient evidence, including XXXX XXXX XXXX XXXX written confirmation and proof of updates from other credit bureaus, Equifax continues to : Refuse to verify the corrected information with the appropriate department at XXXX XXXX XXXXXXXX. 
Repeatedly update my credit report with the same inaccurate, outdated information. 
This failure to verify and update the information has caused significant harm to my credit profile and financial well-being.
Product: Credit reporting or other personal consumer reports

file : XXXX Fraudulent application for XXXX XXXX XXXX account. I did not apply for such account. All data was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Franklin Credit reported ongoing rolling late payment without notifying me of past due amount. Please see attached letter from my attorney to Franklin Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

XX/XX/XXXX and XXXX I was trying to withdrawal XXXX each day. According to the Atm the transaction couldn't be completed but I was changed both XXXX $ in total. I was able to call the owner an automatic message said to call the bank to dispute the transactions because they don't give refund or credit. I place a dispute with the bank. Just call the bank today and I was told my dispute waa declined do to a missing info. Was not chance for me to explain my self because I never received the dispute form from them.
Product: Credit card

The problem is that I buy numerous items from a seller on XXXX where this person combines shipping fees on the items I purchase. I had to pay at the time for most of the shipping fees upfront and then this XXXX Seller would refund me the excess shipping fees which XXXX then reported to XXXX on my behalf. There is a total of XXXX credits with a total dollar amount of {$190.00} just sitting in my XXXX account. If you look at my account history, the last time XXXX reported these refunds/credits to American Express was back on XX/XX/XXXX, in which I received a {$8.00} refund/credit & also received a refund/credit of {$20.00}. For some unknown reason, my refunds/credits stopped being applied on my American Express Account starting on XX/XX/XXXX, as the first refund/credit that was not posted to my American Express account was back XXXX XX/XX/XXXX in the amount of {$15.00}. There are an additional XXXX refunds/credits like this XXXX and I have listed all of them below as well as have included copies of these refunds/credits from my XXXX account : XX/XX/XXXX XXXX {$15.00} ; XX/XX/XXXX = {$22.00} ; XXXX/XXXX/XXXX = {$11.00} ; XX/XX/XXXX = {$9.00} ; XX/XX/XXXX = {$23.00} ; XX/XX/XXXX = {$24.00} ; XX/XX/XXXX = {$20.00} ; XX/XX/XXXX = {$2.00} ; XX/XX/XXXX = {$0.00} ; XX/XX/XXXX = {$21.00}, XX/XX/XXXX = {$15.00} ; XX/XX/XXXX = {$6.00} ; XX/XX/XXXX = {$0.00} ; XX/XX/XXXX = {$19.00} for a total of XXXX Refunds/Credits totaling {$190.00} which I am asking American Express to collect this money from XXXX because XXXX is claiming that American Express already acknowledged receiving these credits but were never posted to my American Express account. I advised XXXX that my American Express account was not showing these refunds/credits on my American Express account XXXX XXXX advised me that they would request a XXXX to see where the money was, but when XXXX started the XXXX process, they closed out my complaint so I could no longer send messages regarding this issue and I have not been able to get this issue resolved with XXXX. I am also unable to resolve this issue with American Express as well. I mailed a dispute letter to American Express back on or about XX/XX/XXXX, and American Express has chosen to ignore this dispute letter which is unacceptable. Someone has this money, and the fact is I do not have this money which is my money, and I want it back now.
Product: Money transfer, virtual currency, or money service

Wanted two birth certificates from vital Chek in XX/XX/2020 paid {$67.00} and never received the documents.Since the documents were urgently needed, I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXXContacting vital Chek via phone or email is a waste of time ( no answer )
Product: Debt collection

Account number XXXX in the amount of {$1500.00} I mailed a certified debt validation letter to California Business Bureau on XX/XX/XXXX that was written on XX/XX/XXXX regarding a debt that was reported on my credit report. The company has failed to validate that this debt is in fact mine. Please review the attached documentation.
Product: Mortgage

I'm trying to pay my bill online through their online service and I've been having trouble for the last few months with the payments going through and return payments. I have contacted them each time and been in correspondence with him with the issues and they just keep telling me that I can pay the fees at the end of the loan and I don't have to worry about it right now. 
I called them this month about 2 weeks ago and inform them that I was going to be a little later than the due date however it was still within the grace.. The informed me that there would be no issue with me making the payment online and then I can just call them. I asked him this because they had basically cut off my ability to make payments online. 

I called on the XXXX of XX/XX/year> to make a payment and they inform me that they would not be able to accept a payment over the phone in any way shape or form. And they inform me that I would have to pay you by a XXXX XXXX or XXXX. The two individuals that I spoke with a very rude to me one of them laughed at me. I spoke with the exclamations department and then for me that all of the information was on my statement. However when I attempted to make a payment via the statement the information on the statement was incorrect. 
Here is the employee ID numbers and names of the XXXX individuals that I spoke with in the morning. 
XXXX XXXX XXXX XXXX I later called in and the employees that I talked to were much different and they were able to help me work through the money order process. However their knowledge was somewhat limited as well and they help me the best that they could. It doesn't seem like the company was giving them the resources in order to help me in this process. 

I am now having to make an extra {$74.00} a month payment to send money to them via XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This accounts were charged off on the following date year 2022 but its been reported in ChargeOFF Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : Accounts Name - Account Numbers XXXX XXXX  Account Number XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO LAW, 15 USC 1681d ( d ) ( XXXX ) ( EXPERIAN, XXXX, XXXX, ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSUMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. Nor could these accounts be reporting on my credit report because they did not stem/originate from a credit transaction