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

On XX/XX/XXXX I purchased a XXXX XXXX IS from XXXX XXXX in XXXX NC, financed through ALLY Bank. The representative told me about a warranty that would be beneficial due to the type of car I was purchasing. And that if I didn't want to keep it I Could cancel anytime and get refund. I told him I didn't want the warranty included in my payments so could I purchase it separate with my credit card. I was told yes. Warranty was {$3200.00}. When I signed the contract I noticed the amount {$3200.00} included in the finance charges but he assured me it was not included in the payments amount, it was just listed to show I have it. Fast forward 7 months later ( XX/XX/XXXX ) I totaled the car. I cancelled the warranty but instead of the Warranty company sending me my refund they sent it to Ally Bank, whom had already been paid from my insurance company ( XXXX ) in full for the car. When I reached out to Ally for my portion of the warranty refund they refused to give it to me, saying it wasn't including in the total lost amount that my insurance company paid. My balance was at XXXX $ after XXXX paid them. So I'm not understanding how they kept almost {$2600.00} of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I refer to the attached TransUnion Investigation Results File # XXXX dated XX/XX/18. California Fed Court XXXX Docket # XXXX. See attachment 01. Also enclosed is Withdrawal/ Dismissal of case. See attachment 02.

Please note you do not have the authority to report this type of information as mandated by Law. The Law is clear, a Withdrawn and/or Dismissed Bankruptcy application is not a reportable case by the Credit Bureaus.

This is my final attempt to contact you regarding this issue. I would like to put on record should you refuse to remove this Withdrawn Bankruptcy report from your Credit Reporting data you are in direct violation of the following ; 1 ) Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1.

2 ) Title 15 U.S. Code 1681i, Paragraph 5.A To protect my interest, I reserve the right to file a lawsuit against you and claim all damages you have incurred as a result of this negligence.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Product: Debt collection

I received a notice of attempt to collect a debt, in the amount of {$16000.00}, original creditor XXXX XXXX  XXXX. I called XXXX XXXX  and they had no information. I called synergetic Communication, Inc XXXX, spoke with XXXX, XXXX not sure and he said all he has is account opened XXXX and last activity was 2002. This isn't showing on my credit report. He said he was contacting XXXX XXXX XXXX XXXX, for them to send additional information. Even if my last activity was in 2002 it's past the statute of limitations to collect. I have never had a credit card with a high balance, so I'm confused. If this is for a car then they need to furnish proof that I in fact signed for that. Please help me. I suspect something shady is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX XXXX  and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also XXXX, This was not mine also
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 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: Debt collection

The company at hand ( MIDLAND CREDIT MANAGEMENT ) is filing tax fraud because they are reporting an account as a charge off. I have requested IRS form 1009 c so I can file it with my taxes and they are refusing to give it to me.
Product: Credit card or prepaid card

I have reasons to believe that Chase bank took advantage my of inexperience in obtaining credit cards.

I own a small construction company, and when I received a credit card offer for my company from Chase, filled it out unaware that just by signing the application, I was giving my personal guarantee. Usually, when a creditor requires a personal guarantee for a business account there is a separate perfectly visible paragraph with an additional signature. Chase intentionally obscured personal guarantee consequences in the fine print.

Only now I found out that in the fine print at the bottom of the credit application there was a mention that my signature personally guarantees the account. I wouldnt have signed it if I have been aware of this.

I never realized that Chase has done this until my company started having troubles and then my personal credit score started to go dawn. At that point I checked my personal credit report and discovered that it was going down because Chase decided to report our corporate account to my personal credit report.

Since Chase bank was not straight forward concerning personal guarantees in the application process, I believe they exploited me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

I was notified by XXXX XXXX XXXX that I hadn't returned my equipment. I shipped it back and have a receipt showing that. I contacted XXXX XXXX XXXX ( XXXX ) and they agreed and noted it on my account. Since then I've had several dept collectors trying to collect money from me. I've provided the proof and they stop, but each time they come back again. 

credence at XXXX XXXX XXXX, XXXX XXXX XXXX TX is the latest to reach out to me about this same item.
Product: Debt collection

In mid XXXX Discover Card sent me notification via mail and phone that I was delinquent on a my Discover card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. Discover never provided any such documentation. The Discover hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. Discover never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. 
In late XXXX I was issued a court summons, Discover using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing Discover called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the Judge. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX 's favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve Discover card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from Discover card, and have XXXX of the debt collection letters one from XXXX and XXXX from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " 0 percent rates '' and " XXXX XXXX ''. Some of the offers are even personalized inside, addressing me by name saying how Discover wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / Discover say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
Product: Checking or savings account

I opened the US Bank checking account in XX/XX/XXXX with promo code XXXX. 
The checking account mentions if you have direct deposit of {$6000.00} or more, i will be given {$500.00} checking bonus. I did all the requirements but still i didnt get the bonus. Its been more than 60 business days.
Product: Credit card or prepaid card

I reached out to Genesis Service the card issuer for indigo bank credit card and realized I had fraud transactions on the account. I reported the fraud and the bank states I have to wait 60 days for the fraud department to investigate. The 60 days have surpassed and I call again. They now state they have to reinvestigate this fraud case and to wait another 60 days. I find that absurd!! Than the agent states that I will have to continue to make payments despite those charges not being mine. I have been paying for the last 2 months with no answers. I have spoken to a manager and they told me there is nothing they can do! How is that possible? There has to be a timely manner to investigate fraud cases. The rep couldnt even tell me what had happened with the first investigation but we just that it had to resubmitted and I have to wait 60 days. I cant imagine there is no legal timeline for fraud investigations.
Product: Checking or savings account

Ally bank has frozen my accounts after I received a loan from the SBA. Now I can not access my funds and the fraud department will not work with me. Ive been hung up on and received very little information about what is going on. I submitted documents that were requested for me being a sole proprietor, but the investigator has not returned my emails or phone calls.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 in XXXX  that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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: Checking or savings account

I deposited {$5000.00} into my Marcus Savings by Goldman Sachs ( Marcus ) account from my XXXX XXXX account on XXXX XXXX XXXX XXXX XXXX XXXX, I attempted to withdrawal the {$5000.00} from my Marcus account by transfer to my credit union in order to pay a bill. On XXXX XXXX, Marcus left me a voicemail to call them regarding my account. When I spoke to customer service, they explained my account had been frozen and my transfer request was being canceled. Customer service went on to explain that this happens when I do not leave the funds in my account for a long enough time period. When I asked how long is the time period that funds need to stay in an account, customer service was unable to provide any exact time limits nor policies. When I explained that I needed to transfer the funds to pay a bill, customer service explained that the funds were frozen for XXXX business days and then it would take XXXX business days to transfer the funds back to their original source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to the noncompliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

I had closed refinancing my home loan on XX/XX/XXXX XXXX. As part of the closing I paid XXXX USD towards Prepaid for Homeowner 's Insurance Premium. 

This amount is neither paid to my Homeowner 's Insurance ( XXXX XXXX XXXX ) nor is it transferred to my existing Escrow account serviced by Load Care. 

In XX/XX/XXXX, The Homeowner 's Insurance Premium was paid from my current escrow account. 

I had raised this issue with my current escrow account service provider on XXXX, XXXX and I have not got any reply. 

I raised this issue with the Lender at the time of closing which is Finance of America Mortgage in XX/XX/XXXX. And they said its handled by the Title company ( XXXX XXXX XXXX ) I have raise this issue with XXXX XXXX XXXX and there is no reply. 

Prepaid amount of XXXX USD is missing
Product: Payday loan

The lender is making multiple calls per day to my cell phone in order to collect repayment of the loan.
Product: Credit card

Today is XX/XX/year>. I have had the Merrill Lynch+ Visa signature rewards credit card for over 20 years. I have charged more than {$50000.00} on the card tin XXXX  and want to take advantage of the " Plus Level '' benefits which include a {$200.00} statement credit. There is no representative at the bank who is aware of the program and can not help me. I have been on the phone, as I write this, for 2 hours and fourteen minutes and XXXX  seconds waiting to speak to the 4th associate of the call. The associate in XXXX XXXX named XXXX, has placed me on hold and clearly had no intention of helping me. Bank of America provides a XXXX. # to call but none of the associates are aware of my card or my program. They just keep transferring me ( ie credit cards, reward programs, Merrill Lynch client services, business accounts, etc. ). The phone number ( XXXX ) that is provided is NOT a conduit to resolve the issue. It is clearly a delaying and obfuscating tactic that will eventually lead me to give up trying to access my benefits. 
I have XXXX points in the program ( XXXX point for every dollar spent ) and BOA is trying to prevent me from obtaining the benefits that I am owed. 
I have now been on hold for over two hours : XXXX
Product: Bank account or service

Hello I am following-up on my earlier complaint, complaint number XXXX, of XXXX XXXX, 2016, regarding WELLS FARGO 's thievery, conveniently lifting money out of my pockets for there own bonuses. I submitted this follow-up yesterday, though I did not receive confirmation of its receipt, so I am posting it again today. In my initial complaint, I described a situation where Wells Fargo closed and opened new accounts in my name at least four times, without my consent, and how their doing so ruined my life in Oregon. Thankfully I have recovered, four years later, despite WELLS FARGO 'S best efforts to destroy me. Anyway, over the last few days I find articles in the XXXX and the XXXX XXXX, where employees describe being bullied and coerced into closing and opening customer 's accounts repeatedly, presumably in effort to generate new account volume and new account fees. This news comes a month after my initial complaint to CFPB, and still we have NO RESPONSE FROM WELLS FARGO except that they wish to delay their response. UNACCEPTABLE. I hope they are happy with their bonuses and knowing that they ruined my life in Oregon. I could say lots of curse words about WELLS FARGO, but suffice to say that a nice word like XXXX still applies to the top of the heap.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago. The investigation took longer than 50 days. This is a direct VIOLATION of FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wengerv. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all FRADULENT accounts as I have no knowledge of these accounts due to the Equifax Data BreachXXXX Identity Theft. All is being investigated by the FTC. 
I am also keeping the companies listed below informed of your willful noncompliance. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding the account attached to this complaint. Experian has failed me as a consumer. Reporting an account they have never accurately verified or validated. I have asked for instruments containing my signature, I have asked for proof of verification, I have asked for information regarding the investigation. I have never received any of this, simply because they can not provide it since they have failed to follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates. Experian is in violation of numerous laws under the FCRA and Gramm leach Bliley Act. This complaint has information regarding the rightful owner and their signature behind the account listed in this complaint. I have fully completed and took the initiative to fulfill Experian 's job to protect my name. This is an Injustice. Experian 's willful noncompliance has caused me damage and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters via certified mail on XX/XX/20 to Experian asking them to validate certain debts on my credit report with a signature showing I owed a debt. They received it on XX/XX/20. They didn't respond until well after 30 days in late XXXX, but they backdated the results to XX/XX/20 to show they were within the 30 day time frame. That's an obvious violation of the FCRA. I sent a followup letter on XX/XX/20 asking them to provide documents bearing my signature or to remove the inaccuracies on my reports. They received it on XX/XX/20. We are going on 2 months and I have no received a response. All together we are going on 3 months and I have yet to receive any type of validation for this errors on my credit report.
Product: Debt collection

On XXXX I mail dispute letters to each bureau reporting Enhanced Recovery 's reporting of a XXXX collection for {$3600.00}, plus I mailed a debt validation letter to ERC so I can get factual information on this XXXX account. I had a XXXX account years ago, but I do not recognize this? 

ERC on verifies the bureau dispute letters with no explanation. ERC never responded to the debt validation letter from XXXX. 

I have read the Date of First Delinquency is suppose to be one exact date, not three separate ones. Isn't this used for the 7 year statute of limitations and the scoring model to adjust my score?