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

I sent out letters on XX/XX/2022. 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.

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 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. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. 

XXXX Account, has violated my rights. 
XXXX  # XXXX XXXX # XXXX
Product: Debt collection

I am currently employed but looking for other employment. I pulled my own credit after a XXXX XXXX notified me that there was a collections on my report. After seeing the collections account, I reached out to Sunrise Credit to inquire about the account. I asked that they send the debt validation to me which they said they would do. However, they put the collections account on my credit before they sent the debt validation because they said the debt validation could take up to 30 days. This is my first issue. 

What's more, I went into a locaXXXX XXXX XXXX XXXX XXXX  and cancelled my services with them in XXXX XXXX XXXX  I paid off my installments for XXXX phones, received my transfer pins and paid my current bill. I went to XXXX XXXX the same day and activated the phones and watch. I received what was supposed to be my final XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 

I learned, after speaking with XXXX XXXX XXXX last week, that the representative that help me cancel my services at XXXX XXXX XXXX did not cancel my XXXX XXXX at the time. XXXX XXXX XXXX charged me {$75.00} per month for XXXX months until the service was cancelled by XXXX XXXX XXXX. Again, I had NO idea this was the case because I was paying for that same watch at XXXX with my other devices. XXXX XXXX XXXX changed my rate for the XXXX XXXX from $ XXXX month when I had service to $ XXXX month, after I cancelled my services. 

Sunrise was very rude and disrespectful about the whole ordeal not realizing that I should have never been charged in the first place. After I told them I have a clearance and collections are a security infraction, they told me it was nothing they could do and it Is going to stay on my credit report. I tried to express how wrong this was and how it's putting my livelihood in jeopardy and all they told me was that they have had the account since XXXX. However, if a bill was sent out I did not receive it because I have moved and I have a new email address since being hacked last year. 

I reached out to the local XXXX XXXX XXXX where I cancelled services, I reached out to XXXX XXXX XXXX XXXXustomer service and I reached out to Sunrise and no one is listening or agreeing to remove this collections. When I reached out to XXXX XXXX XXXX customer service, I asked if I could pay for removal. They did credit the account {$100.00} but that was all they could do. I paid the balance to XXXX XXXX XXXX on XX/XX/XXXX. Yet, I was told that they could not remove the account despite it not being my fault and they will not consider crediting the money back that I paid even after agreeing that this was not my error.
Product: Credit card

On XXXX XXXX i purchased i purchased a purse off of XXXX  in the amount XXXX. The item was supposed to be delivered with signature to me and i never recieved this item or signed for anything. I have written the company they keep saying XXXX showed proof of delivery which there is no photo or signature. I have contacted XXXX  they said there was no signature required by the sender but in there policy there is. Now im without my item and i have disputed several times with carecredit which was denied. I am never able to talk to anyone at carecredit sychony bank they just say theres nothing that can be done this is just fustrating and upsetting.
Product: Bank account or service

Chase Bank wrongfully allowed a stolen check made payable to me to be cashed a second time after I had already deposited it via the Chase mobile app. I clearly wrote the words " DEPOSITED ON XXXX '' on the face of the check after the deposit was successfully made on that date. When the criminals cashed the check on XXXX/XXXX/2015, the funds were debited from my checking account even though the crime had been reported to Chase on XXXX XXXX. This action has put my account in the negative and Chase is refusing to take responsibility to rectify this matter. This is unacceptable! I was victimized and as a long-time Chase Bank customer I deserve to be protected by them not disregarded.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$14000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX COLLECTIONS NEVER HAVE HAD ANY BUSINESS WITH THIS ENTITY AND THEY KEEP RUNNING INFORMATION ON MY CREDIT PROFILE SO THAT IT WILL HAVE A LOW SCORE. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is excessive and poor business practice.
Product: Credit card

I received a 30 day late on my credit report from Citibank/Home depo account. I strongly feel this was not accurate. I did n't receive notice from Citibank that they had not received my auto pay payment. When they finally called I Immediately paid account and requested this to be refunded as I had no knowledge until they called. They confirmed this, and refunded late fees. To date, I have not been late and acutally paid account off. I recently spoke with supervisor at Citibank, who received my prior CFPB complant, and said he applogized as he understood why Im frustrated and was willing to help me with an fees but since account is paid in full, there was nothing he can do. He did not have authority to remove off my credit since it was already reported. I asked if there was anyone else to speak with, and he said no. Therefore, I again am filing a complaint as I do not feel I should have a negative on my credit reporting due to an auto pay not being complete and Citibank/Home depo admitting they did not contact me till after the 30 day mark advising it was not received and agreed to reverse all fees, but not take of my negative on credit. Please remove the negative mark on my credit report
Product: Credit reporting

Since XXXX 2016 when I was shocked to receive a collection notice for a telephone account fraudulently opened in my name, I have been trying to get XXXX to resolve the problem. I have submitted the requisite identification information and police report multiple times over these months, but have been unable to get any action from XXXX to remove the adverse information from my credit reports for this case of identity theft. The credit reporting agencies will not remove this adverse information ( the ONLY adverse information appearing ) until XXXX acknowledges the fact that the account is not mine.
Product: Credit reporting or other personal consumer reports

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I do not know where to start to be honest. I am XXXX and can not maintain my house any more and had to move out. I tried for a modification and was denied then tried for a shortsale and bank of america tells me i did not complete a modification. this is utterly ridiculous. i have been trying to do a shortsale and they denied it because they said i did not turn in a bank statement. it was uploaded in XXXX. bank of america also said i can not do a shortsale because i did not do a modification, i have news for you i have worked on a modification with XXXX XXXX for about XXXX months to get bank of america to open the file in XXXX and work on a shortsale. so the negotiator XXXX XXXX told me the file is declined because the home is vacant, however it is a guidline that if hope was vacated because they are XXXX and can not maintain the property a shortsale can take place. that was what i was doing but this man denied the file because he could not reach me. declined because he could not cal me. finally he called me and spoke to me for about XXXX hour PLEASE LISTEN TO THIS CALL he said the file should not have been declined and would get the file back to XXXX XXXX and she would re open the shortsale. this was over a month ago. i called in last week to check on status because i was not contacted and some person at bank of america tells me the property will foreclose and that the shortsale was never in the works ... .omg it is in XXXX and been a shortsale for almost a month ... ... .wow verified stupidity. they said i have to be reviewed for a modification. i am meeting with a attorney the AZ Dept of housing refers and letting them listen to the conversation of bank of america stating they made a mistake and will fix it. so far this has not happened. this is ridiculous and i can not even type anymore as it is so painful all i have been through. i am so upset. please do not foreclose on me and approve the shortsale. i even wrote the VP XXXX XXXX at bank of america and he never responded. what is happening is wrong and this is horrible. the lawyer says he will take it on and has cause so that is good but who wants a law suit i just want this to be over approve the shortsale and move on with my life!
Product: Debt collection

Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I had complaint the double charge on one item with Bank of America ; I had tried to contact the merchant to return the item without the merchant 's  response. I had tried to contact Bank of America several times about this addition charge ; I had told the bank that I am willing to return the item ; but, the merchant did not communicate with me except the asking the fund from the bank. However, the bank did not spend time to investigate and discuss the issue with the merchant. On the other hand, they just favor the merchant 's requested. The Bank of America claim # is XXXX. Thanks in advance for your consideration. XXXX XXXX.
Product: Credit reporting

XXXX and XXXX are two different Company showing on my credit report and I know anything about this. This is fraud and I know anything about this reporting on my credit report. 

XXXX, I have no knowledge of this account and XXXX, this is unverified account
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

There is no telephone number listed for the XXXX XXXX XXXX in the Truist document XXXX. Their instructions clearly state that I should contact the XXXX XXXX XXXX to request the ESCROW FEE WAIVER. 

I contacted TRUIST customer service and the agent, at first, didn't understand what I wanted. He would not connect me to the XXXX XXXX XXXX, despite repeated requests. Eventually, he said I didn't qualify for an ESCROW WAIVER. I asked him what he was basing this evaluation on, and he refused to tell me. I continued to ask to be transferred to the XXXX XXXX XXXX, as per the Truist document instructions. He refused and hung up on me. 

In XX/XX/XXXX, Truist did not pay my property taxes, despite receiving the notice of amount due in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the county property tax collector stating my property taxes were not only in arrears, but a penalty and interest had accumulated.

I immediately contacted Truist and asked why my taxes had not been paid. To make a long story short, it took me multiple telephone calls to Truist to ensure my property taxes were paid. I also repeatedly called the county tax collector and explained I was working on it.

I am ultimately the one responsible for paying my escrow, which I understand. However, Truist requires me to pay them a set monthly fee for my escrow, which they accumulate interest free, agreeing to pay my escrow, including property taxes. 

In XXXX, Truist failed to do this until the taxes were overdue, causing derogatory credit information for me. 

In XX/XX/XXXX, Truist received a statement of a new bill for property taxes. In late XX/XX/XXXX, I received a notice, again, from my county property appraiser, that my property taxes had not been paid, and that if not paid by XX/XX/XXXX, penalty and interest would again accrue. 

I contacted Truist, again, on XX/XX/XXXX, to ask why my property taxes had not been paid and when they would be paid. I did not receive an answer. I warned them that if they did not pay the taxes, a penalty and interest would occur again. 

The next day, XX/XX/XXXX, Truist sent notice of payment of my property taxes. 

If I had not contacted Truist, I have no doubt they would have not paid the taxes on time, for the second year in a row.

This is unacceptable. Truist collects escrow money from me and pays me no interest on this money. Then they do not pay the property taxes when due.

I wish to manage my own escrow account for my mortgage. I followed the proper procedure as outlined in the Truist document I mentioned previously, and attempted to request an escrow waiver, only to be rebuffed, and denied this right I have to an escrow waiver. 

Truist is an irresponsible financial institution. While I am obligated to pay my mortgage, I am seeking to take over the payment of my taxes and insurance so I can ensure they are paid on time, something Truist has failed to do, as is legally required of them.
Product: Credit reporting or other personal consumer reports

I filed a dispute with cfpb for XXXX  XXXX. They sent me documents proving the hard inquiry was unauthorized and fraudulent. I provided those documents to all 3 credit bureaus and 2 of them removed the inquiries. I have submitted these documents over and over to Equifax and they are yet to remove this hard inquiry from XXXX XXXX  on XX/XX/2021. I have sent physical documents also and still they do not remove it. Their credit reporting is inaccurate, unfair and untimely. Removing this inquiry is very time sensitive for me and they are refusing to remove it for what reasons I do not know. All this back and forth has set me back on personal financial goals and gains. I demand this inquiry be removed as soon as possible. They are in violation of the Fair Credit Reporting Act Reporting false information Failure to correct false information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

The company advertises a credit card ( Savor One ) with rewards and a cash back offer. The cash back offer is very generous. However, Capital One would never have to honor this offer if a large percentage of applicants are denied. I was denied approval of this credit card despite having an exceptional credit history and score. Within minutes of the declination email from Capital One, an application was submitted to XXXX XXXX   XXXX XXXX for one of their advertised credit cards. XXXX approved the application. 

Credit card application ( ID # : XXXX ) submitted to Capital One on or shortly before XX/XX/XXXX and subsequently denied. 

Called Capital One customer service shortly after XX/XX/XXXX with no positive result. 

On XX/XX/XXXX a complaint was filed with the XXXX XXXX XXXX serving the XXXX, VA area. XXXX ( XXXX ) from Capital One responded to the XXXX complaint with a letter dated XX/XX/XXXX reaffirming Capital One 's position to deny the application. This response to the XXXX was generated after a very brief telephone conversation between me and XXXX with no chance of reversing the decision to deny credit. 

I firmly believe the denial of this application goes beyond information contained in a credit report. One must consider this process as an " unfair and deceptive trade practice '' or some sort of discriminatory practice against retirees.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$530.00}
Product: Debt collection

The car loan from alley finance was charged off and should not be reporting late payments.
Product: Credit card or prepaid card

Wells Fargo will not report credit card account to all three bureaus. The company is only reporting to XXXX only.
Product: Credit card

Previously I wrote Discover card regarding account number # XXXX made Discover by writing and phone call also a consumer complaint with the XXXX XXXX XXXX XXXX The company reach out and ask some questions.I fax over an email showing I contacted XXXX regarding the unauthorized charge from XXXX car rental ... .Back in XXXX or XXXX XXXX was a charge placed on my account for over XXXX from XXXX never charged a car or authorized any payment for services.During the time the charge was made.I had lost my wallet at the XXXX store located in XXXX XXXX wasnt successful in finding my wallet.When I call customer service desk the next morning.The wallet was turned in to the customer service..The items in my wallet appeared to be all in place and I dint have no knowledge my card had been swipe.I didnt make any charges nor gave anyone permission to rent or purchase any car.I have 6 cars.There no need to rent a car.Im being held responsible and been receiving a bill over 7 months for an unauthorized charge. I feel if Discover dont want to credit my account.I would like the legal address to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in EXPERIAN so I believed EXPERIAN was not able to investigate this account promptly. Please supply any signed agreement with this company.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against, XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

I have been requesting a payof letter from my mortgage servicer, LoanCare, since XX/XX/XXXX ; it is now XX/XX/XXXX and they have passed the 7 business days allowed by federal law. My loan is current and I have never missed a payment on this mortgage or any account in my name. 
LoanCare is using deceptive practices and this should be resolved. 
The closing of the sale of my home is now in danger of being extended or altogether cancelled because of this companys negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with GM Financial was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
Product: Payday loan, title loan, or personal loan

XXXX sometime in 2018 when I was in the military
Product: Payday loan, title loan, or personal loan

After I received this loan, once I tried to view the billing statement I have no ability to see my balance, interest, payoff criteria, nor any other pertinent data regarding the financial account of this loan. I have no ability to ensure that I am not being overcharged nor payoff or transferring this loan to another provider.