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

On XX/XX/2018, I made my car payment of {$420.00} cents as I do every month on the XX/XX/XXXX. My car payment isn't due until the XX/XX/XXXXof each month, but I pay it early each month. This particular month, I didn't know that I would be trading my car in on the XX/XX/XXXX ( which was an upside down loan, the car was worth less than I still owed on it, and the interest rate was absolutely horrible, as well as the company who it was financed though. ) This amount was never applied to my loan balance until the XX/XX/XXXX. I attempted to get my money back from the company and my bank, Suntrust. The company ( XXXX, XXXX XXXX XXXX..a perfect name for them btw, as they take advantage of people with their predatory lending ) was contacted on the XX/XX/XXXX and XX/XX/XXXX asking how I could get my money refunded, as when I traded the car in on the XX/XX/XXXX, the car was paid off by the dealership that I'd received my new car from. I was told that I would need to reach out to my bank Suntrust in order to get my money refunded. I did that and had to file a dispute of payment on my debit card. My claim was denied as Suntrust claims that it was a valid transaction. I never said that it was not a valid transaction and that is not the reason that it was disputed. I disputed it as i was told by XXXX that was the only way I could get my money refunded. This charge was pending on my account until XX/XX/XXXX, which is after my car had been paid off by the dealership who gave me my new car. It was applied to my payment after the fact that the car had in fact been paid off. Before I attempted to file a dispute claim, I tried to do a stop payment with my bank. I was told that since the payment wasn't showing as a recurring charge on their software, that it couldn't be stopped. I can show a years worth of payments made on that same date if needed. Suntrust failed me with their dispute system, as the reason they gave why the claim was denied had nothing to do with the reason the claim was filed in the first place. They are literally one of the worst banks to work with, even after sending in all of the proof that the car was paid off on the XX/XX/XXXX, and the payment was still pending on my bank account until the XX/XX/XXXX, meaning that the payment was never applied to my car loan.
Product: Checking or savings account

On XXXX XXXXXX/XX/XXXX, at XXXX, I went to a wawa gas convience store to withdrawl {$400.00} The transaction failed with an error message on the screen saying transaction declined and that it could not process the transaction and was cancelled. 

On XXXX, I had noticed that the transaction had posted and I contacted Chime to tell them what happened and opened a dispute and sent them the picture i had taken of the error message on the atm screen. 

On XXXX night, I got an email saying the dispute was denied and on follow up calling chime support, they had did no investigation and just closed the dispute. 

I am still missing {$400.00} on a atm transcation and the bank seems unwilling to resolve the issue.
Product: Mortgage

Wells Fargo keeps asking for additional information ( tax returns ) and said the IRS rejected my request for tax returns without reason they said. I can not believe they rejected my request for returns given to Wells Fargo without reason. Wells fargo says they can not process my modification without tax return authorization. THEY also said they did not require last 2 years of returns in prior conversations as I have P/L statements that will be just fine the representative said for XX/XX/XXXX 2016 NOW they are changing their mind and requiring the information that they said was not required. THEY are just trying to force a short-sale of my home by being so confused and delaying things for many months that I have specifically talked to them about the documents they requested, GIVEN them XXXX all the documents and it seems to be NEVER ENOUGH and they keep changing their minds on what they need. THIS is HARASSMENT against me and I am sure they are NOT FOLLOWING FEDERAL GUIDELINES.
Product: Debt collection

I received a copy of my credit report from all XXXX XXXX in XX/XX/XXXX. I noticed 2 collection accounts with Portofolo recovery associates that did not belong to me. I disputed both accounts in XXXX and received notices from Portfolio Recovery dated XX/XX/XXXX, stating that they would close and remove both accounts from my credit reports. The information was never closed nor removed from my credit reports. They are actively updating this information every month.
Product: Credit reporting or other personal consumer reports

I am submitting this compliant because I have nowhere to turn to. Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX and harm to my Family upon me discovering unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion and XXXX did not make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. Everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am disappointed that XXXX, TransUnion and XXXX have not done with due diligence to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for XXXX, XXXX, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Misreporting of Installment Loan as Revolving Credit by XXXX Dear CFPB, I am writing to formally file a complaint regarding an account misclassification on my credit reports with XXXX, Equifax, and XXXX. The account in question is an installment loan for a water system provided by XXXX, which is incorrectly reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively impacting my credit score. 

Despite multiple attempts to address this issue directly with XXXX, the creditor has refused to reclassify the account and insists that it should remain reported as revolving credit. I believe this misclassification is a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are failing to ensure maximum accuracy by misclassifying an installment loan as revolving credit.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : XXXX has failed in its obligation to provide accurate information to credit reporting agencies.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. Should this account remain inaccurate beyond this timeframe, I respectfully request that it be permanently removed from my credit reports due to its adverse and inaccurate impact on my credit standing. 

Additionally, I am aware of the CFPBs current legal actions against XXXX and Equifax for their failures to properly investigate consumer complaints, reinvestigate disputes, and ensure accuracy in credit reporting. This ongoing lawsuit reinforces the importance of addressing systemic issues within credit reporting practices. I urge the CFPB to thoroughly investigate this matter as part of its broader effort to hold credit reporting agencies and creditors accountable. 

I kindly request your assistance in ensuring the creditor and credit reporting agencies comply with their legal obligations under the FCRA. I look forward to your response and resolution of this issue. 

Thank you for your time and attention.
Product: Mortgage

Just contacted today the mortgage and I received a payoff letter in this letter the mortgage is adding the escrow and insurance for the total amt of XXXX. My pay off mortgage should be only XXXX this is including all the fee this people charge. 

They want to charge me XXXX and I will be paying off the mortgage and therefore the XXXX should not be charge because mortgage will be payoff XXXX  XX/XX/XXXX via wire and yes I did sent the form signed for the escrow to be removed and they said they have not receive it
Product: Checking or savings account

I have deposited a check from the same client/bank XXXX  times. XXXX times my check has been on hold for XXXX days past the deposit day. 

I called to inquire about the hold and the bank did not remove the hold nor did they provide workable solutions to ensure my money was in the account in a more reasonable timeline. 

I asked to submit an internal complaint but when I asked for a copy of my complaint to ensure it was taken into account I was informed that I could receive a copy. I do not know if the complaint was filed as the supervisor was not typing and I did not receive a copy to ensure it went to a department
Product: Debt collection

I was reviewing my credit reports and saw a debit collection for {$300.00} which I am not aware of and it was just placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my consumer report that should not be there. Please see attachments submitted to corresponding companies.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602A. It states that I have a right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card under an open end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

I called Apple and told them that I submitted for a Apple Card. I never received a card and I never charged anything on it. They stick by their reporting and it has cost me thousands of dollars in purchasing things like vehicles and appliances ETC. Well I received a report XXXX XXXX that the account was written off, my question how do you write off {$0.00} dollars? If I had this account and charged nothing how do you write off nothing owed. They were showing that I owed {$2.00} but when I talked to them XXXX XX/XX/2022 they said that I owed {$0.00} dollars to them, and they couldn't find anywhere where I owed them, yet they will not remove this information from my report. These tactics are XXXX  and XXXX  in nature and it shows just how far companies are willing to go to hurt consumers. Is this behavior to show how powerful they are or just what they can get away with? They destroy your credit and cost consumers millions even billions every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : : 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

ASSET CARE HAS FAILED TO VALIDATE ALLEGED DEBT AND HAS NOT PROVIDED HIPAA AUTHORIZATION FOR THE DATE OF SERVICE OF XX/XX/2018 FOR ACCOUNT NUMBER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
/ :. XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 
/ : XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY XXXX CREDIT XXXX. 
/ :. XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX PLACED ON MY TRANSUNION CREDIT REPORT. 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. 1681 C. ( 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. 45U.S.C. 1681 S- 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 or other personal consumer reports

TransUnion failed to investigate properly, I have asked them to remove Oklahoma XXXX XXXX over XXXX different times. They refuse to remove the false information these criminal people continue to report. This is not over I will expose the crimes that have been perpetrated against me. All of these people are criminal people.
Product: Credit card or prepaid card

I logged into my XXXX  account recently and noticed a XXXX  had been opened in my name and was showing on my account separate from the in store rewards card. I never applied for the card. I never gave permission for a XXXX  to be opened in my name. I contacted XXXX via phone on XX/XX/22. The man said I had been selected as part of an " upgrade '' and the card was opened without me needing to do anything. I told him I wanted it closed completely and taken off my credit. He said he would close it. Then on XX/XX/22, I received an email from XXXX XXXX XXXX  that my card was being mailed to me. I called XXXX  once again. The automated system now gave me my total credit limit and cash advance limit. I spoke to a woman, explained the situation again and asked for the card to be closed completely. She pushed me to keep it open and said it didn't effect me to leave it at {$0.00}. I asked to speak to a supervisor. He told me he was unable to close the card because it was too new. So now I have a XXXX XXXX open in my name that I never consented to and can not close.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, after receiving my credit report via XXXX XXXX, I noticed 5 unverifiable hard inquiries on my Transuion report, i have not applied for anything in the last 10 years, these hard inquiries do not belong to me, this information is inaccurate & inappropriate to my credit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A  ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that i have disputed. Please resolve the manner as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate and incomplete information being reported on my credit report. Specifically, the notation of the following late payment is inaccurate : Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> I respectfully request that you investigate and verify that all data for this account is reporting accurately, including every notation date and balance, whether reported or not. 

Furthermore, I request to be provided with proof of this alleged late payment. Under consumer protection laws, I demand that if unable to provide proof of these payments being late, my payment history be updated to " XXXX '' status ( PAID as agreed, never late ). Additionally, please supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting information regarding the procedure used to determine the accuracy and completeness of the information. According to federal law, I understand that a completion of investigation is due within 30 days, and verification of accuracy must be provided within 15 days of completion. 

Please update any information that can not be verified and ensure that my credit report is accurately reported. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Debt collection

I received a certified letter on XX/XX/XXXX that my property was being auctioned off to the highest bidder on XX/XX/XXXX. Just that one piece of paper. I called Carrington Mortgage services and they said that the trustee initiated it, and so I called the trustee at XXXX XXXX XXXX and explained my concern that I didnt get proper notification or a chance to verify debt, and the secretary took my message and XXXX XXXX called me back and I asked her how she can hold an auction without me knowing besides a one page letter saying when and where the auction was being held, she said because she has a title chain she can do it, I explained that the title chain is invalid referencing certain assignment transfers to her that were fraudulent. 
-one done on XX/XX/XXXX was done during my bankruptcy prior to getting approval from the bankruptcy court to do so. My plan was already confirmed and active, as well as my name being spelled incorrectly. 
- one done on XX/XX/XXXX notes a different loan number than the note its attaching too, they put their transferred loan number in the bottom of the deed of trust trying to make it look like a connection to go together. 
When I mentioned these concerns to her, she replied well you know who you are dont you in reference to the typo, very unprofessional, and I explained that during my bankruptcy the judge had issued an order that would effect what she doing if she would just look at my case because its in my file at her office as well. Very unprofessional and unethical manners in my opinion for her to talk that way to someone whose house you are getting ready to sell in an auction. I explained that I am the trustor on the property your selling and your the successor trustee shouldnt you be unbiased and listen to my side as well. She replied she didnt care she was going through with the auction, and advised me to go talk to a lawyer if I wanted answers. Seems very sketchy to me for the bankruptcy attorney, the foreclosing attorney and the successor trustee to all work at the same place, what chance do I have for anyone to listen to me about my property.
Product: Debt collection

On today, Friday XX/XX/2022, I received an ALERT from my, Credit Monitoring Service that my XXXX XXXX had dropped XXXX Points. When I called the phone number associated with this debt that, I know nothing about ( XXXX ) the person who answered the phone, HUNG UP ON ME!!! These people, Ability Recovery Service are a, SCAM. All of a sudden a debt pops up on my Credit Monitoring Service for {$5900.00} that I know nothing about. I have NEVER received anything in the mail from these people. I want this DEBT Removed Immediately!!! I want all of the Documents associated with this Fraudulent debt mailed to me so, I can forward it to my Attorney. Thank You. XXXX XXXX