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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX and CB/XXXX. The 3 Credit Bureaus are also reporting this company to be the owner of the debt when they are not! These accounts were transferred or sold to another company and I tried contacting 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the charge-off was posted. The 3 Credit Bureau can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please REMOVE these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX . Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 update them immediately in my report : 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: Checking or savings account

On or about XX/XX/2018, 20 unauthorized transactions totaling {$460.00}, were debited from checking account. After going through the process of filing an unauthorized claim, the bank concluded money can not be refunded because there have been previous transactions in my account history with the same merchant. While I can agree with this conclusion partially ( I did authorize previous transactions to this merchant in the past ), I disagree with the finding because all of these charges in question came from a different IP address than the one listed in my previous account history. If proper researching was done in the first place, it would demonstrate that purchases I authorized my son to make over the course of the past 2 and a half to 3 years ago emanated from a completely different IP address than the one in which these charges originated. In other words, the charges were made by another child who accessed my son 's XXXX account to which my debit is attached without our son 's permission while my family was away running errands from his parent's/grandparent 's home. 

Furthermore, when I allow my son to make charges, they never total to {$460.00} -- - period -- - because an XXXX-year-old doesn't have the means to repay this debt. In other words, we normally allow him to make purchases in the amount in which he can repay immediately. Naturally, the bank requested " confirmation of cancellation with the merchant, date of cancellation, confirmation number or the name of the person I spoke with ... '' Since these items are irrelevant to my situation, I attempted to further explain my situation to the bank and as of this morning, this matter is still unresolved. By the way, I did ask if this wasn't the proper forum to have my concern addressed, could I be advised as to the proper channel to have my concern addressed. Needless to say, I'm still waiting ... 

My point in all of this? First and foremost, my husband and I don't have {$460.00} to waste on frivolity. As a result of these unauthorized charges, I have and continue to incur difficulties with this bank such as NSF charges that wouldn't normally be assessed if had the money been in the account. My family of XXXX is a single-income home. I became XXXX over 25 years ago, and don't receive any support, such as XXXX, from the government. The response I was given from this bank was totally inapplicable to the set of facts presented. Attached to this document, is all of the correspondence which has transpired between myself and this bank. Having worked in the banking industry previously, I will say that this is not customer service. Proper customer service includes researching if/when discrepancies and/or disputes occur. I have no reason to promulgate falsehood. 

It is my hope that an acceptable resolution to this problem be reached -- - and reached soon!
Product: Credit reporting or other personal consumer reports

I am writing this letter to demand the immediate removal of accounts that have been unlawfully placed on my credit report as a means to extort me. These accounts are as follows : A pass due bill of {$870.00} that was placed by XXXX XXXX XXXX ; to this account I am enforcing all of the codes of the Fair Credit Reporting Act, but especially code 15 { 681 }. Due to the fact that XXXX XXXX XXXX is a Telecommunications corporation and not a bank or a lending institution that extended a loan or line of credit. Therefore they are barred by from putting a closed account on my reports. 

The second account is an American Express Business Credit card debt of {$1300.00} that was assigned to my limited liability Corporation. I am protected by various federal and state financial laws due to the fact that this debt is assigned to the L.L.C. that protects me from creditors coming after my personal assets ; the debt belongs to the L.L.C. as an entity not myself. The F.C.R.A. declares that my credit score is a personal asset. 

Please contact the credit reporting agencies and as a federal bureau enforce them to remove these accounts. 

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

I learned last week, that Volkswagen Credit has listed my prior loan with them as unpaid, they marked 7 late payments and my credit score is so low, I can not get a loan. I also come to find out they archived my information when speaking to XXXX in VW Credit, therefore, I now know why when I inquired about issues I researched with my car, or other ones at the time, I was exluded and told my model wasn't a part of this. As a matter of fact in most cases my car doens n't exist to anything I would have had compensation or recall repair to. The main issue at hand however, is the false information, and the fact that illegally I was sent correspondence about the repossessoin ( after 3 months in which I admit I defaulted but due to complications from a prior accident ). So 7 late payments is wrong. Further, in the State of California, you are allowed to restore your status one in a twelve month period before they can make you pay the entire loan. You may do this twice in the lifetime of the loan. I was not given this opportunity, and even thought I fought them about it, the bottom line was, they had me by the XXXX  cause they had my car. So I paid {>= $1,000,000} which included all these fees and yet they have {$17000.00} ( not exact amount ) showing like I walked away from this. The impact on my credit score is worth over 125 points for sure, but possibly 200 because of their false number of missed payments. What really happened was I negotiated with them to remove the entire issue in return of not suing them for forcibly making me pay close to {$20000.00} with no sympathy that I had been XXXX. I get missing payments and late fees, I do not get when a fellow human being treats you this way. Furthermore, when I called Thursday XXXX, they were not even willing to write me a simple letter I could use for a finance lender or dealership that would have at least mentioned I wasn't some delinquent who ran from {$17000.00} which was actually closer to {$20000.00}. I wired the money by their demand to their credit dept in XXXX, IL who in turn waited almost a year to send my title back. this is my evidence of ownership signed off straight by VW Credit. So they went and added 7 missed payments when it was 3, which includes the month and a half they negotiated not to do anything like this. And left me hanging. I can not get into my XXXX, there is no one to talk to, it bounces me back and forth and their phone has NO WAY to talk to a human, and I'm just so happy everyone had a great XXXX, while my granddaughter and I sat inside and have to walk until something is resolved. a XXXX score which is a lower score than this error would help my credit score, and I would have at least had a loan with a high APR which I will do in a heartbeat. This is COVID-19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And now this? Both my jobs depend on this. Oh and by the way, I have a 3rd job that pays me nothing. Reaching out to homeless, hungry, and kids that have no resources during this time. I can not do any of this until this is resolved!
Product: Mortgage

I have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 

XXXX and XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I had to get a root canal. At my dentist 's office, I was told about Synchrony Bank and something called CareCredit where I could get a loan to pay for this medical cost. At the time, I thought it a good idea because I was told by a representative of Synchrony Bank that it was a promotional finance loan where the first year of payments would be interest-free and any remaining balance after the initial twelve months, I would then be charged interest on that balance. I signed up for the service and the secretary at the dentist 's office printed the paperwork out for me. I took the paperwork home and looked it over. I then called Synchrony again to ask more about the loan. I was told a second time that the first year would be interest-free on any payments I made. 

This turned out to be partially true. While I did not pay any interest in the first year, because I carried a balance in XXXX of XXXX, the company than turned around and tacked on all the interest I did not pay over the year to my remaining balance. When I questioned them about this, they told me that it was clearly printed in the paperwork on each statement that deferred interest would come due if I did not pay the whole loan by the end of the year. 

I found their promotional deal deceptive for this reason, two different reps when explaining the details of the loan did not mention having to pay deferred interest, instead, they highlighted no interest for the first year and paying interest on what was left in the second year. 

I have looked over the paperwork, which I held onto. And while I can see now that it does indeed state that to avoid paying deferred interest payments, I must pay all of their promotional loan in full at the end of the 12 month period, no one took the time to make sure that I fully understood this. 

I do take responsibility for not looking over everything more carefully. My issue is with the way that this loan was advertised to me with important details verbally left out and giving me the impression that the product was one thing when in reality it was something else. 

At XXXX XXXX, for instance, when I took out a loan there, the banker took the time to explain all of the details and what they meant. If I had known, and I do take partial fault for this, but if I had realized the exact terms, I would have gone to XXXX XXXX where I could have gotten a much better interest rate. 

When I spoke to one of the managers at Synchrony Bank about this, I found her arrogant and patronizing. She also told me that how the employees at the bank explained the terms of the loan were not relevant to my situation and then she hung up on me.
Product: Mortgage

Just recently my husband and I were contacted by loan officer XXXX XXXX XXXX who works for Freedom Mortgage Corporation. He recommended that we refinance our home since interest rates are at an all time low. My husband asked XXXX XXXX what the closing costs on our end would be since we have not really saved for a refinance at this time. He explained that there would be no closing costs since Freedom Mortgage currently holds out loan. My husband then continued to explain that when we built our home with XXXX XXXX that we opted to take a higher interest rate to not have PMI. He asked XXXX XXXX if by refinancing we were now going to have to pay PMI. XXXX XXXX said no we would not have to pay PMI and there would be no closing costs for us. So at that we decided to go forward with the refinance. After submitting all the necessary paperwork required we were approved for the new loan at the new rate. XXXX XXXX sent us all the paperwork to sign electronically which after careful review and seeing indeed there was no PMI and no closing costs to us we signed and submitted the paperwork. Not long after we submitted the paperwork we received an email from XXXX XXXX the loan processor stating that we do indeed need mortgage insurance. I explained to her the situation and she said she would reach out to XXXX XXXX. After weeks of trying to get in contact with XXXX XXXX he has not returned any of our emails. The only thing we received from XXXX XXXX are new documents to sign which show that we now would owe over {$4000.00} in closing costs. He has had no contact with us and refuses to return any form of contact or answer our questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Hunter Warfield reapplied a XXXX balance onto my profile ; after paid credit repair. No letter of reinsertion or email or current phone contact was giving no other accounts are reporting from them and provided email to collection agency that all other balances were deleted. Also XXXX  XXXX   XXXX  denied my report for fraud after I had proof I was assaulted by my boy friend and how he used my information to complete purchase with my social online, and complaint was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to PENN CREDIT CORPORATION. Thanks!
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. Since it's been more than 30 days, I expect my credit report to be up
dated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Prepaid card

Unable to use the remaining balance of the gift card. 
XXXX, XXXX, XXXX XXXX and few other online stores all declined the transaction. 
I lowered the order amount to around {$40.00} with {$55.00} available balance, still declined. 
Customer service basically asked me to keep trying until somewhere accepts it.
Product: Debt collection

The debt validation letter was sent and none of the answers to validate the debt was answered.
Product: Student loan

On XX/XX/XXXX, I made a large overpayment of {$40000.00} on my ~ {$130000.00} student loan to EdFinancial. My remaining balance was ~ {$90000.00}. I called the Edfinancial on XX/XX/XXXX and requested that the payment of {$40000.00} be refunded to me. They honored my request and my Edfinancial account reflected this payment reversal within a few days. My loan amount went back up to {$130000.00}. However, I was not told when I would receive this refund back into my bank account. they did say it would come back to me in my original payment method ( in this case directly into my bank account ). I have periodically checked my account on Studentaid.gov and the loan amount there has remained at {$90000.00} despite that I am making payments on a {$130000.00} loan through Edfinancial. I waited patiently and contacted Edfinancial again on XX/XX/XXXX to let them know I had still not received my refund. I was then told that I should have received a check in the mail and was asked if I wanted to be issued another check. I said sure and told them that I was not aware that it was a live check and thought it was going to be put directly into my bank account. She said she would work on having them issue me another check. She said she would call me to tell me when they issued it again. I never received a call. I contacted them again on XX/XX/XXXX and was told again that the refund process was long and I just need to be patient. I contacted Edfinancial again on XX/XX/XXXX and was told that the refund would actually go into my bank account as this was my original form of payment and that I would not be receiving a check in the mail. this representative seemed helpful and stated that she would put an emergency request for my refund as it has been over XXXX months now. She said I should hear from them before the new year and will hopefully have my money back in the XXXX business days. I called again on XX/XX/XXXX asking if there was any update about my refund to which I was told that I needed to contact my schools financial aid department, even though I have been out of school for XXXX years and my loan is in repayment. this representative then told me I should wait to hear about my refund and that it is a very long process and I need to be patient. I spoke with someone again on XX/XX/XXXX and was also told that the emergency request was placed and I should hear something soon. I requested that Edfinancial update my loan information in the XXXX XXXX XXXX XXXX XXXX because the amount on their website is different than what is on StudentAid.gov. I explained that I need these amounts to match to submit to my employer. they submitted a request to have this information updated. I already spoke to StudentAid.gov and was told that this info can only be updated by my loan servicer, EdFinancial. I am very frustrated. I want my {$40000.00} refunded to me ASAP and I want the amount updated so that studentaid.gov has the correct loan data!! Please HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My husband and I have been pulling our free annual credit reports online since XXXX from all 3 agencies. Beginning in XXXX, we were no longer able to access Equifax for either of us, we would get messages we were denied online access. It is impossible to try to speak to a live person which I have tried to do each time after we have tried to pull our reports. We will not send our ss # and other ids through the US Mail as we have experienced full ss # s on 1099 's being lost before. The alternative is to use the phone option which is an absolute nightmare. It can not understand voice prompts, it does not recognize keypad prompts and just hangs up so you have to call back multiple times and attempt the same process to try to obtain your report. We have only one landline phone number associated with both of us which also complicates the process because once one of us gets through and requests our report, it retains the personal information from the first person and the second person has an even more difficult time requesting their report. It can take up to an hour to perform this task for the first person and longer for the second person that we are able to do in just a few minutes for XXXX  and XXXX online. We have tried using different hard wired and cordless land line phones and nothing seems to help. Other than Equifax 's security breaches, we have had nothing change on our end. We have lived in the same house for over 30 years. I do not know why this is such a hassle with Equifax when there are no issues at all with XXXX  and XXXX. What can we do other than stop trying to pull Equifax reports?