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

I am a victim of identity theft, and inaccurate accounts have been fraudulently added to my consumer report. I have submitted multiple disputes to [ XXXX/Experian/XXXX  ] under my rights in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, yet these fraudulent accounts have not been permanently removed.

I provided the required documents, including : A copy of my government-issued ID FTC Identity Theft Report A written request specifying the fraudulent accounts Per FCRA 15 U.S.C. 1681c-2 ( b ), once an item is removed due to identity theft, it shall not be reinserted into my consumer report. If any of these accounts are re-added, the credit bureau is violating federal law. 

I demand the immediate and permanent removal of the following fraudulent accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The credit bureau 's failure to remove these fraudulent accounts is harming my financial well-being, and they are in violation of federal law. If this matter is not resolved immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ), my state attorney general, and consider legal action under FCRA 15 U.S.C. 1681n, which allows me to seek damages for willful noncompliance.
Product: Vehicle loan or lease

In XX/XX/XXXX had an accident XXXX XXXX XXXX financed by Safco was a total loss.This was report to Safco by my insurance in XXXX XXXX I had been trying to contact with no luck sent from person to person left messages on answering machine no call backs.my insurance had very hard time communicating and receiving documents back from these people.Then in XX/XX/XXXX I became upset with XXXX help located email for them we had been trying to reach up until them.they accepted a settlement which had to be redone because of poor job Safco did they misplaced paperwork now trying to charge me extra fees on top of settlements from XXXX and gap and my rwarranty refunds these took care of full balance owed on vehicle. After They tried to charge me over {$5000.00} I filed complaint with BBB because I m being XXXX XXXX XXXX quickly calls in response and rudely tells me that I still have loan with them and I need to pay XXXX I 'm filing this because there statement to bbb was that their making adjustments and I need to contact them.Any extras are their own fault poor processing of this claim.My acct # XXXXim attaching time line of communication shows how hard it was long they waited to respond.My gap insurance had the same problem. XXXX tried to help as much as possible.But Safco is just a ripoff company trying to get extra fees this company tend to do this when contract is ending.I need to know why I 'm being double charged fees.Also they reported this to credit bureaus. I disputed it but Safco continues reporting late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX Fraud Department : Remove fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

These credit items should be removed to being 7 years old
Product: Credit card

I have been a Discover card holder since XXXX. Since that time, I have never had a delinquency with them. On XXXX XXXX, XXXX I gave birth to a baby girl who experienced some health issues. After coming home and getting settled in XXXX, I missed my Discover payment. I called and called Discover to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my nine year account to good status. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

XXXX XXXX XXXX employs accounting and money management processes that are designed to confuse their customers and allow them to collect late fees because of their own bad record keeping and antiquated systems. 

On XX/XX/XXXX I emailed Douvenmuehle an inquiry about a {$1500.00} partial payment for XX/XX/XXXX payment that cleared my checking account on XX/XX/XXXX. Because I am paid twice a month I have to split my {$2300.00} payments to survive. However, the payment was nowhere reflected on my account through the online portal they grant access to and even after making the rest of the payment for XX/XX/XXXX my account still showed outstanding I received notices that I was late, even though I had made payments in excess of the minimum. 

Only after I called into the customer service center ( waiting on hold for at least 15 minutes ) and writing to the loan company I did my refinance through did I finally have a manager call me. Then 20 days later received a response to my email with a message that completely contradicted what the manager had told me and followed up in a letter. 

It turns out that when early payments are submitted, they create a " suspense '' account that the money is extracted from your account and placed into ( that I was unable to see and never informed of until I called and inquired ), and the only way money would be extracted from the " suspense '' account was for the customer to call in and ask to have the payment taken out and applied. But without being informed it was there or even seeing it reflected on my account how is a customer supposed to even know the account is there. And why are taking money from an account without authorization to do so. 

The servicer claims they have the inability ( it seems more like an unwillingness ) to allow consumers to make multiple payments on their loan within the same month. This has been shown to reduce compounded interest and expedite payoff, but also is just good service because the payments are large and need to be broken up. 

The issue came up again in XX/XX/XXXX when my XX/XX/XXXX payments were n't applied, even after the manager said he added a note to my account. This time, if I had not identified it and called to complain they could have jeopardized my homeowner 's insurance policy. Since the insurance payment is factored into the escrow, not having sufficient funds could impact payment going out. 

Then when payments are applied they are n't even on the actual dates they 're received. in one case in was weeks past the date it cleared my account. 

Not only do they have the potential to ruin your credit, they end up stressing you out over something that should be granting you reassurance. I 've asked if some other lender, even the lender for my other property, could just buy the loan from this company because I hate this experience. It 's been a horrific experience that I have never dealt with in over 3 decades of paying creditors.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX FL XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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: Money transfer, virtual currency, or money service

hello, the problem is with Paypal i was seller on it after 2 months i got limited and receive message told me to wait 180 days before i can withdraw my money XXXX USD, but before the period given by paypal XX/XX/XXXX transferred the fund to him self on XXXX XX/XX/XXXX, my funds now XXXX without any notification or email when he did that. 
check the captures & the trensfer doument.
Product: Vehicle loan or lease

Waiting since summer of XXXX for new car. Car came in on XX/XX/XXXX. Did not know car was coming in on that date so did not have certified check ready. Car dealership refused to take personal check or credit card for full amount of the car. This was late on a Friday with no means of getting certified check or cash withdrawal of that size from bank. In order to avoid hassle of getting certified check or cash withdrawal, dealership offered an auto loan with reassurance multiple times that if paid in full after receipt of account information by mail that there would be no extra cost incurred by temporarily taking the loan. No information was provided on how to pay the loan at the time of sale and was told this would be mailed to home address. Documentation received at time of sale stated no payment was due until XX/XX/XXXX. It took several weeks to be mailed account information regarding loan and thus had no way of knowing who the account was with, what the account number for the loan was, how to contact anyone about the loan or how to pay the loan. Upon finally receiving the account information and learning that the account was with Bank of America, check in the full amount of the loan was immediately sent and cleared account on XX/XX/XXXX. Subsequently called Bank of America and was assured there would be no finance fees as loan was paid in full and release of lien would be mailed. This phone call was approximately around XX/XX/XXXX. Subsequently received another statement that finance fees still owed. Called Bank of America again on XX/XX/XXXX who denied prior conversation. Was assured by XXXX XXXX that recording or transcript of this conversation on XX/XX/XXXX would be pulled and Bank of America would call me back with outcome. Have not received any phone call from Bank of America. Have not received release of the lien for the car.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the fair Credit reporting act ( XXXX XXXX XXXX. Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) and i never made a credit application with these companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit card or prepaid card

I am trying to close my account on a Total Visa credit card. 
I can't use it, balance is XXXX, alway get declined. 
I emailed them numerous times, leaving message in their XXXX page and customer service number is out of service or always busy line. They charge me {$6.00} every month as fixed fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX  BANK -Attorney General-Child support -Dept of Ed/XXXX  XXXX Options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of Missouri Ret The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received on XX/XX/XXXX XXXX letter XXXX XXXX no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
Product: Debt collection

XXXX, XXXX, and XXXX continues to report an account without my consent. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates.

1. Portfolio RC XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2016  I paid {$29.00} to go ahead and recieve a secured card from  XXXX   XXXX   XXXX  knowing that I had 90 Days to come up with {$200.00} to activate the card. Things came up and I never got enough money but it 's reporting to all  XXXX  bureaus as if I opened and 6 months later voluntarily closed this credit card with a {$200.00} line of revolving credit when in fact it was never usable.
Product: Credit reporting or other personal consumer reports

This complaint is pertaining to EQUIFAX reporting incorrect data on my Equifax credit report. 

I have requested for deletion and they have not responded. 

Below is the account and proof of inaccurate data points/information on my Equifax credit To resolve this I request for deletion of this negative item on my profile. 

XXXX XXXX XXXX XXXX reported with XXXX In regard to item questioned above, Account Highest Credit : reported as {$5000.00} for XXXX XXXX {$5000.00} for XXXX XXXX XXXX and as {$3500.00} for Equifax and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting sufficiency and or decree ( s )! 

Regarding the item questioned above, Account Terms Frequency : reported as Not Reporting for XXXX, Monthly ( every month ) for XXXX XXXX, and as Not Reporting for Equifax for Equifax and as such are one or more, according to protocol, deficient of its exigency of reporting obedience! 


As for the item questioned above, Date of Last Payment : reported as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX XXXX, and as XX/XX/XXXX for Equifax are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! 
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Product: Checking or savings account

Okay I had a tax refund sent to chime bank on XXXX XX/XX/2022 amount XXXX and chime had suspended my account months prior to the deposit but I was working to get it fix, but then was told my account was being closed and my remaining balance would be sent to me. I have chime over and over and they wont give me and updates on my money and I worked hard all year for. I am an self employed worker and them funds are really need and I just had my baby last week so im at home right now and again they have XXXX of my refund and also my XXXX check was deposited I havent heard anything about and theyre just holding my money in an account I dont have access to which is unbelievable and they ask for information Ill only know if i had access to the account making it extremely hard and once again my account was supposed be long closed before my refund so I dont understand why they accepted the deposit other then bouncing it or returning it to XXXX bank so They can issue me a check for my refund the whole situation is horrible theirs no way that money shouldve landed in a closed account just for them to give me the run around and I also had XXXX put a trace on my deposit so its their being held without reason
Product: Debt collection

Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine.
Product: Credit card or prepaid card

Continuation of complaint against AMERICAN EXPRESS GOLD card -- submitted XX/XX/2023. XXXX -- to add overview of bills and payments for one year and files for one year to get a better view of my concerns. 

I pay this card off monthly, but AMEX uses the previous month 's balance to calculate the next months payment ( but they do not consistently put in the previous month 's payments made ) so you are paying the balance twice. 

I put tother a chart to assist in your review and obtained a year of files to assist in tracking as well as all payments for the time period. 

I put in red payments and in the charges shows to show the difference is what is showing and what was actually paid. This concern has been going on for years. AND I have contacted AMEX many times without success.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX  # 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 an account without my written instructions.
Product: Mortgage

THIS IS A FOLLOW UP COMPLAINT REGARDING XXXX XXXX XXXX AROUNG XX/XX/XXXX I REQUESTED THE INFOMRATION BELOW : I PREVIOUSLY CONTACTED XXXX XXXX CREDIT CARD FOR THE PURPOSE OF OBTAINING ALL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY XXXX XXXX  WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. XXXX ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST LAZEGA AND JOHANSON LAWFIRM. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!
Product: Mortgage

I would like to file a complaint against the banking institution of Wells Fargo XXXX XXXX XXXX XXXX XXXXXXXX Wisconsin, for improper representation of receiving a XXXX Home Equity line of credit. I feel that XXXX XXXX XXXX, who was the acting personal banker at the time didnt give me the detail information to make the best financial decision about this type of XXXX Home Equity line of credit for me and my family. I wanted to purchase a car and do some minor home repairs, with the majority of the loan for the car purchase. I had a meeting with top personal banker XXXX XXXX XXXX who was willing to assist me in that financial decision. The XXXX Home Equity line of credit was for {$30000.00} and after eleven years of paying since XX/XX/2007 I still owe {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have submitted disputes to you and I didn't received a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''