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

When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.
Product: Vehicle loan or lease

obtained loan XX/XX/XXXX interest rate was very high and i lost my job, it was outsourced to XXXX in XX/XX/XXXX i struggled to pay payments, XXXX XXXX would n't work with me to lower any payments or interest, i paid {$280.00} per month until XX/XX/XXXX totaling around {$13000.00} and the original amount purchase price was only {$11000.00}. they are showing i owe an amount of over {$9000.00}. this is making it impossible for me to obtain a vehicle loan. i have talked to the company several times. they are saying i paid nothing on my credit report. thank you
Product: Credit reporting

Please see attachment of supporting documents/Credit Files showing XXXX XXXX XXXX account # XXXX before and after deletion. Also, please see CFPB previous case # XXXX for additional information. 

Please immediately remove the XXXX XXXX XXXX account # XXXX, which was previously deleted and re-inserted. I 'm also requesting an updated Credit File reflecting the deletion of this re-inserted account.
Product: Debt collection

It forced me to select Communication tactics however that is not the issue at all. I am trying to buy a house and I need all dispute remarks removed from my credit report in order to get approved for a loan. I have called the credit bureaus multiple times to get these remarks removed and LVNV Funding LLC continues to put dispute remarks back on my report after removal. I DO NOT want to dispute this account. I want the dispute remarks removed immediately once and for all. I have asked for this multiple times for over 3 months now.
Product: Mortgage

XX/XX/XXXX I had severe damage do to my home because of 35 feet of snow in 20 days. It was a natural disaster, historical for the XXXX area. My home has been under construction since XX/XX/XXXX after the snow melted. I have a XXXX child that has in home therapy that had to be changed to 50 miles away from our home because of construction with meals outside of our home because of lack of use of our kitchen. Our homeowners insurance company XXXX has taking up to 8 months to approve the repairs. So permits have lapsed and winter weather restrictions have pushed this construction back. I have notified my mortgage company XXXX numerous times before I got into financial problems and have applied for a homeowners assistance program/loan modification. I have been denied twice. I want to stay in my home. I am a XXXX XXXX year old ( XXXX ) and have a severely XXXX child. I will mail you the corresponding documents by mail. 

Please help ... ... Tell me what to do next!
Product: Checking or savings account

Debut card case # XXXXXXXX XXXX  I had several unauthorized transactions with a merchant called XXXX, which whom XXXX have an account. Those transactions were never authorized by me. I file a dispute with Truist Bank. They denied my dispute because I previously have authorized this merchant to debit my account therefore I do not have any right to dispute any transaction with them.
Product: Debt collection

SW Credit is trying to collect on a debt that is included in my bankruptcy. The original debt is to XXXX XXXX and they are included in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit card

I got my new credit report and realized that several credit cards have been opened in my name and they also have high balances. I contacted the companies and they said I should report identity theft to the police. I am really worried because my purse was stolen on the street a few weeks ago and I reported it to the police quickly, but I always receive notifications that my credit is being used those account is fraudulent 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: Debt collection

I have a debt that showed on my transition report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.
Product: Credit card

The Bank of America credit card dispute service is failing to uphold consumer protection rights and adequately safeguard me against businesses that engage in misrepresented information and false advertising. Throughout my dispute process since XX/XX/XXXX, Bank of America has displayed a lack of clarity in its procedures and has provided minimal or no support. Each time I've attempted to follow up with the disputes department, I've received conflicting messages and regulations. Even after escalating the issue to a supervisor, my concerns remain unresolved. 
Despite filing a complaint with XXXX XXXX on XX/XX/XXXX, President of Retail Banking, the poor customer experience persists. This ongoing lack of support and resolution from Bank of America is unacceptable and undermines my confidence in the institution 's commitment to customer service and consumer protection. 
My issue is still unresolved as of XX/XX/XXXX, and I feel that Ive lost my hard-earned money to a business that engages in illegal business practices and my consumer protection rights were being stripped away from me by Bank of America . I would like to demand an actual proper support in this case from Bank of America.
Product: Debt collection

I began a membership on a local gym. I had visited the gym just a couple of times before I was forced to stop due to work. I had requested a cancellation in XXXX, but because of health and work reasons I did not follow up. They would still debit the monthly payment right up to XXXX of this year when I had to change my debit card. After a couple of months, in XXXX, they contacted me about the debt. They said that it could affect my XXXX XXXX, and even called XXXX of the contacts I had provided. I told them that I was not prepared to pay the full amount, almost {$600.00} at that moment, but, if we could reach an agreement, in about 30 days I would be able to cancel the debt. They said that it would be referred to a collections company. At the moment, I thought that it would be better since I could come to an agreement with the collections company. 
On XX/XX/XXXX I received a call from XXXX at Genesys Financial, who began the conversation saying that he was calling to ask for my legal representation information because a legal process would be beginning against me because of the debt. I felt threatened. He did not inform me if the call was being recorded or not. He then continued to say that I had refused to pay the debt when I specifically told the person that had called before that the payment would be made in 30 days. He informed me that the debt now was {$1100.00} approx, and that I had until tomorrow, XX/XX/XXXX at XXXX to make the payment. He sent information regarding his company, but the company 's name on one of the documents does not match.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date opened XX/XX/XXXX Account Name : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXXXXXX 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: Debt collection

XX/XX/2023 at XXXX XXXX, XXXX from Atlas Credit located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX physically came to my place of employment and then had to call my employer from the lobby because visitors are not allowed without an escort. I never gave permission for her to come to my place of employment or to call my place of employment. I sent her a text message and answered calls prior to today 's visit and stated that I would pay by XX/XX/XXXX and then when they said they couldn't wait that long, they said they could give me until today to make some sort of payment. I had my phone on DND because I was at work in a meeting and unable to answer their numerous calls that come through. They have called me from several numbers and even privately. She said she came to my job because my text message " didn't say much '' and that her calls are going straight to voicemail. I reminded her that per FCRA rules, she can not call or visit my place of employment. Since this is blatant disregard of the law, I would like this investigated. I have a recorded phone call as proof that she was physically in the office waiting on me to come down to speak to her.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX account XXXX, has 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 a account without my written instructions
Product: Debt collection

I notified Merchant Adjustment Service of the identity theft and resulting debt in my name. MAS refused to address the issue and remove the debt from my credit report. I provided a copy of my identity documents and FTC Identity Theft Affidavit. MAS has still refused to remove the debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by Santander which shows my account as a charge off with money due to them. I have requested an extensive amount of information from Santander which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.
Product: Bank account or service

My wife and I have a mortgage with M & T Bank. We are repeatedly being told we must go to our local branch to verify our personal information. We went over there in XX/XX/2016 and now we are being told we have to do it again. In close to 10 years with Hudson City Savings Bank, which they recently purchased, we have never missed a payment or been late. Our credit rating is exceptional and we have considerable amounts in our savings accounts. I believe that this is a thinly veiled attempt to get us into the branch to sell us additional products, which we are not interested in.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them right away : XXXXXXXX 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: Checking or savings account

My late Aunt XXXX had a Checking & Savings at Bank America for decades. The bank statement she received for the last 25 years has showed my father as a joint signature & myself as a beneficiary. I have called multiple locations to try & get an appointment to close with my father present who is XXXX. Last Friday, I went in person to the XXXX MA office because I had not yet received a confirmation of my appointment- I was met by a banker & his manager who said although the statements read that way - there internal paperwork is unclear?? This is gross negligence! How would my late Aunt know there was a problem? She relied on the bank to look after her accounts - now in the moment of need due their errors- Im not able to complete the Wishes of my Aunt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to XXXX, XXXX, and Experian 30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.
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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  ) XX/XX/2021, has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00} XXXX - XX/XX/XXXX {$930.00}
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 


Update the late payments from my consumer reports