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

Pray its Legal 100 % 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 All banks can not verify XXXX to open a new Bank Account and often Credit Card Purchase Declined fore 100 % no valid reason when XXXX has a XXXX Credit Score 100 % All banks Suspect Fraud and 100 % no bank can figure out why In 3 Months XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  all closed XXXX bank account suspect XXXX of Fraud fore 100 % no Reason because XXXX filed attached Lawsuit Agents XXXX XXXXXXXX XXXX XXXX XXXX by XXXX XXXXXXXX XXXX XXXXXXXX Houses made out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  stole {$100000.00} Dollers from XXXX and XXXX bank lawyers say its imposable to comprehend so XXXX Put a Fraud Alert on his account then try to remove the Alert the same month and Send XXXX forms of ID USPS Mail XXXX times to XXXX XXXX XXXX refuse to remove the alert 7 years had to expire
Product: Debt collection

This debt was reported as a collection on my credit report. I disputed it because I have no knowledge of it. The leasing company called Acima XXXX FKA simple claims that it is legit but i did not lease anything from them. I was never notified of such debt. I want to be cleared of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to work with Ally Bank to have my credit fixed. They reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as 30 days late on my credit report. My payment of XXXX is due on the XXXX of every month. My XX/XX/XXXX payment of {$330.00} setup to withdrawal XX/XX/XXXX cleared my account on XX/XX/XXXX, XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX and my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. I have since made my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. 

I called and disputed the XX/XX/XXXX and XX/XX/XXXX payments on XX/XX/XXXX and they have been corrected. Ally Bank then reported my XX/XX/XXXX payment as 30 days late on my credit report. I called and disputed that on XX/XX/XXXX, when I called to dispute I requested for the correction to be escalated because this is the second month in a row that the late payments have held me back from getting a mortgage. On XX/XX/XXXX I was told that they will escalate and to call back in a week. I called back on XX/XX/XXXX I was told that this was not escalated, but it will be and to call back in a couple days.. When I called back today ( XX/XX/XXXX ) I was told that there is no way to escalate this and I have to wait 45 days. 

Since the bank can not seem to report the payments correctly to the Credit Bureaus I can not get the mortgage I need. With this complaint, I am hoping to get my payments reported correctly and ensure my XXXX payment is not reported as late. 

The attachment has commentary for each transaction.
Product: Mortgage

Since XX/XX/XXXX, BSI Financial Services received mortgage reinstatement payments and regular monthly payments they have failed to post to my mortgage account. 

Since XXXX XXXX assumed my mortgage note in XXXX, XXXX operate my 30 year fixed mortgage as an XXXX XXXX ; with negative amortization. 

XXXX XXXX is unjustifyably charging me for questionable fees ; including late fees. 

BSI Financial Services has blocked me from refinancing my home mortgage loan for lower interest rates as they have reported my account as deliquent and stated I was disputing the account. 

I have attached a letter of concern and supporting documents for your review and appreciate your assistance in restoring my mortgage account with BSI.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION
Product: Vehicle loan or lease

This " AUTO APPROVE '' I don't know how they got hold of my XXXX loan with all my and ny mrs info, but they gave me much lower monthly payments, and after getting both our info, and finally sending to us tge full contracts to sign with DOCU SIGN, WE NOTICE THEN IT WAS ALL A SCAM! they had forgot to mentioned that in order to LOWER OUR MONTHLY PAYMENTS WAS TO ADD ANOTHER 9 MONTHS TO OUR NEW CONTRACT!

WE FEEL WE WAS LIED TO AND TAKEN ADVANTAGE OF DUE TO OUR SENIOR YEARS, AND WANTS TO EXPOSE THIS COMPANY 'S BAD CONDUCTS!! 
Thanks XXXX we caught this in time.
Product: Checking or savings account

The PNC mobile banking app and website have been unavailable from XX/XX/year> - XX/XX/year> and still unavailable as of the time of this complaint. 

This is a widespread issue as you can find XXXX of complaints and service requests on XXXX, articles being written about the outages and yet PNC has made no effort to inform its customers of the issues. They only acknowledge the issue if you reach out to them and all they say is that they are aware the *some* users can not access the app. They give no assurance that you account is safe. Provide no way to access your account or money. No indication on when they think the problem will be fixed.
Product: Debt collection

I was in the process of paying off other accounts that I needed to pay to secure a loan. In the process, I called the company that had an old account that was in the bankruptcy department in order for me to speak with this department I had to give my name and the representative on the line attempted to gather more information from me to search for other accounts after insisting that I speak with a supervisor and telling the woman I am calling for the bankruptcy department she had to transfer me. After that call, the same company went and just out of the blue put an old account on my credit report out of nowhere. When I called them and told them I had no knowledge of this account and I had never received a bill from them or never opened an account in 2020 I had no idea what this XXXX bill was. I told her that they must be trying to collect on a very old debt or it wasn't mine she said no I see your other accounts those we can not sue or collect from you on but this one.I am telling you we can. I ask her to send me proof of this account being mine and they never did. But they are still reporting against me just out of the blue. I tried disputing it with the credit agency but they just keep putting it back up there even tho the company still has not provided proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX account in XX/XX/2015 because I moved out of the XXXX. The last bill was paid in full and I was NOT under contract. XXXX claims I owe them {$130.00} but they did not end the service when I requested. As I was living in XXXX and had a XXXX mobile plan, there is NO use on the account for the dates they claim I still had the service. 
My last payment to XXXX was on XX/XX/2015 for {$160.00}. That left my balance at XXXX. I cancelled the service on the same exact day and also moved to XXXX on that day. 

Here is the information for my XXXX account : account number ending in # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FIA CARD SERVICES, XXXX XXXX XXXX AND BANK OF AMERICA VIOLATED THE AUTO MATIC STAY XXXX XXXX-. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.
Product: Credit card

I applied for a loan with Golden 1 Credit Union along with a checking and savings account that was denied clearly due to discrimination. I am an eligible consumer applying in good faith. Golden 1 Credit Union used my credit card ( social security card ) fraudulently because I did not receive a benefit, instead I received an adverse action letter. Golden 1 Credit Union also refused to open my checking and savings account that I requested to be opened at the same time of requesting the extension of credit. Another example of me being discriminated against. I requested these accounts on XX/XX/23. I sent a letter and the vice president responded with further explanations of her discriminating against me. I then sent her a letter stating the laws her company violated. These companies commit fraud against us consumers right and left and I am writing to the CFPB to fix this because I am being denied necessities in life and its unfair and against the law! Please handle this promptly!!!!
Product: Credit card

After 2 years i request a new card because of an unauthorized charge. I set up recurring payments as before, yet prosper in all their infinite wisdom and knowledge, try to withdraw a payment from an account that isn't mine nor is listed on payment option for payments. after repeated calls and over 3months of back and forth, they keep moving my payment date to 6 days later and {$1.00} less than my minimum due. Constantly getting letters requesting more than required every month no matter how many calls i make or visits to web site. Plus all the phone reps show a lack of interest and intelligence when I explain letter I have from them and detail info and yet still deny it is their problem and not mine. Don't know how or where they get their info from or who is authorized to change info once entered but it was done. So because of that I am done. Both my wife and I had separate cards and both are now closed. Strongly recommend everybody looks to do business elsewhere as this is a major scam to extract money from people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a less than stellar credit score due to old, inconsistent information being reported across the three credit bureaus. Peoples United Bank reports a charge off of a {$1000.00} line of credit which they report as delinquent from XXXX. I have not been associated with that institution since XXXX. They have reported I have a charge off on my record in excess of 12 years.
Product: Bank account or service

On XXXX XXXX, 2016 I set up to have my tax bill paid through PNC Bank 's website. It was scheduled for XXXX XXXX, 2016 in the amount of {$3400.00} During the week of XXXX XXXX, I received an e-mail from PNC Bank saying a payment of {$34000.00} was going to go to XXXX XXXX XXXX. I contacted PNC, was told they would waive the {$33.00} fee to stop the payment ( which I NEVER authorized! ) for the {$34000.00}. They stopped the {$3400.00} payment that was suppose to arrive at the tax office on XXXX XXXX!
Product: Mortgage

Shellpoint XXXX  and its associated nightmare customer service center in XXXX, AZ has made repeated errors in my HELOC interest and payment calculations since my newly acquired XXXX was transferred to them in mid XX/XX/XXXX. After numerous errors in calculating my interest and my monthly payments, I decided that I would rather pay off my entire balance. Their website accepted my " additional principal '' payment on XX/XX/XXXX for {$5000.00} and withdrew those funds from my bank account on XX/XX/XXXX. As of XX/XX/XXXX, Shellpoint have yet to post my payment and will not answer why the continue to hold my payment hostage and allow my HELOC to continue accruing interest. I called to complain with their customer service representative on XX/XX/XXXX and I was told that the money was sitting in " unapplied '' status but they would " apply '' it as of XX/XX/XXXX. Meanwhile I was still required to make my payment through XX/XX/XXXX for {$100.00} for the accrued interest. The accrued interest would have never occurred had they applied my payment to begin with after they debited my account on XX/XX/XXXX. 

On XX/XX/XXXX I contacted Shellpoint XXXX at its XXXX, AZ call center again and was told by XXXX that " they he didn't know why it hadn't been applied. '' I demanded to speak to his manager and was told that the manager- XXXX XXXX, was " busy '' and would call me back on the same day. Additionally, I was told by customer service representative XXXX XXXX ) that he had " elevated the matter '' but that they had no idea why the money they withdrew from my account had not been applied. 

I never received a call from the manager- XXXX XXXX, and {$5000.00} of my money remains stolen by Shellpoint XXXX. They have stolen my funds and refuse to apply those funds to my principal balance. Meanwhile they continue to charge me interest on an outstanding balance of {$4700.00} that should have been paid off when my account was debited on XX/XX/XXXX.
Product: Debt collection

Ability Recovery Services keeps calling me about an outstanding debt. I attempt to talk about the debt and recieve very hostile treatment from the agent. The agent 's name was XXXX. I called and asked what this was about, she said I had an outstanding debt with XXXX XXXX ( somewhere I do not recalll attending ). She bluntly states " Do you want to do anything about this, or not? '' and I said " What can i do? '' the agent then says of course not, you'll have an outstanding report on your credit in full, and hung up. This particular company has attempted to collect on this debt many times and everytime the agent is very hostile, and has threatened law enforcement action in the past as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Equifax has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : EQUIFAX MORTGAGE SER XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Dispute Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Dispute of Account [ Account Number ] : XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate and Unvalidated Debt Reporting** Dear TransUnion Dispute Department, I am formally disputing the accuracy of account XXXX XXXX XXXX XXXXXXXX XXXX reporting a balance of {$49000.00} and 32 late payments, as of XX/XX/XXXX. I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) due to a lack of proper documentation and significant inconsistencies. 

**1. Insufficient Verification : ** In response to my request for debt verification, you provided an unsigned court document [ XXXX, XXXX Received ]. This document lacks the necessary signatures to constitute a legally binding court order, failing to meet the requirements for debt validation under 15 U.S.C. 1692g ( FDCPA ) and California Civil Code 1788 ( Rosenthal Act ). An unsigned document is insufficient proof of a legally valid debt. And I attached the court document and highlighted where the signatures will go to show clearly that there is no signature on this document from neither parent or non-custodial parent. 

**2. Inconsistent Payment History : ** The reported payment history indicates consistent 120+ day late payments for years, despite the account balance supposedly being updated to {$0.00} on XX/XX/XXXX. This discrepancy demonstrates a failure to accurately reflect the payment history and account status as required by 15 U.S.C. 1681e ( b ) ( FCRA ) and California Civil Code 1785.14 ( b ) ( CCCRAA ). 

**3. Discrepancy in Reported Balance : ** The reported balance fluctuates significantly without explanation. This lack of transparency and clarity violates the FCRA 's requirement for accurate and complete reporting ( 15 U.S.C. 1681g ( a ) ( 1 ) ).

**4. Other Credit Bureaus : ** XXXX and XXXX have already removed this account from my credit report due to the lack of verifiable documentation. TransUnion 's continued reporting based on an unsigned document highlights a clear discrepancy and further supports the invalidity of this account. 

I demand the immediate removal of this inaccurate account from my credit report. I request that TransUnion provide a certified copy of a *signed* court order and other legally sufficient documentation that validates this debt. Without such evidence, the continued reporting of this debt constitutes a violation of the FCRA and CCCRAA.

I have attached a copy of the unsigned document you provided. I look forward to your prompt response and correction of this inaccurate reporting within 15 days Sincerely,
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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX ================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Missing Settlement Payment for XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to complain about an unresolved issue with Westlake Financial Services formally. The matter involves a settlement payment of {$12000.00} for my totaled vehicle, which was damaged in an accident on XX/XX/year>, at XXXX XXXX XXXX XXXX in XXXX, PA. 

The insurance company responsible for the payment provided me with documentation confirming the settlement and the release of property damage ( attached ). I signed the necessary paperwork authorizing payment to Westlake Financial Services, my lienholder at the time. Despite this, Westlake Financial has informed me that they have not received the funds.

To resolve the situation, I have taken the following steps : Contacted the insurance company to verify the payment.

Confirmed that the payment was issued following the settlement terms.

Provided Westlake Financial with the signed release form as evidence of the settlement.

Unfortunately, Westlake Financial has not resolved this issue and continues to claim non-receipt of the payment. This has left me in a difficult financial position, as I am being held accountable for the loan balance despite the settlement agreement being finalized. XXXX XXXX sent me the contract to review again instead of honoring the damage that was caused to the vehicle : Here is a statement from XXXX who sent the letter to XXXX for their signature : Hello XXXX XXXX, There hasn't been any payment issued. We are waiting on the signed release from Westlake Financial. 

If you need to contact me or have any questions, please respond to this email. You can also attach and send me any documents in regards to your claim. You XXXX also view your claim at XXXX or the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX, XXXX XXXX I am seeking the CFPB 's assistance to : XXXX XXXX XXXX 's handling of this matter. 
Ensure the payment is properly traced and applied to my account. 
Resolve any discrepancies and confirm the loan is satisfied in full per the settlement agreement. 
I have attached the following documents for your review : The signed release of property damage form. 
Any relevant correspondence between myself, the insurance company, and Westlake Financial. 
Please let me know if additional documentation or information is required to process my complaint. 



Sincerely, XXXX XXXX
Product: Credit card

Lowes Credit Card Servicing by SYNCHRONY BANK looks they are creating a Fee when they send by mail the monthly Statement creating an extra expense to the consumer as myself, I contacted them the last XX/XX/year> to have remove complete this {$1.00} fee of the Monthly Statement At that time its customer service representative informed me they would take care of it. Now receiving the monthly statement for the Month of XXXX They still charge me the PAPER STATEMENT FEE of {$1.00} I called them today I spoke with Representative name XXXX  whom informed me she can't remove the Fee because They did it last XXXX, I requested to speak with a Manager This representative put me on hold for more than 20 minutes and none came up to the line to assist me, I informed her I never I received any changes on the store credit card policies about this extra fee. 
Besides I informed her I do have another Stores Credit Card servicing by the same bank and they don't Charge any fee in regards PAPER STATEMENT FEE. 
So for me this type of practice should be consider Abusive and illegal, The CFPB Should look into this Bank Discriminatory Business Practice