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

I had 2 accounts with one main financial. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Vehicle loan or lease

A fair resolution would be my refund processed immediately, 2 months of no payments from cap one for the stress, and time missed from work-3 days. Lowering my payments significantly would also be a good solution or change refinancing policy for me only.
Product: Bank account or service

There was XXXX {$5.00} charges on XXXX XXXX, 2015, then on that day I transferred funds to my other bank account removing {$120.00} instead of {$20.00}. I expect that my mistake would cost {$35.00} for the one problem however at close of day although the XXXX {$5.00} XXXX purchases were a small amount and there where plenty of funds to cover both, the {$120.00} was processed first to ensure XXXX chargers of {$35.00}. That is over {$100.00} fees for one mistake. The bank, knowing I have had issues in the past feel they can not make an exception. I do not feel this is a fair way to do business,
Product: Debt collection

enormousI was notified by my employer about a possible wage garnishment regarding a judgement I had never made aware of. I was shocked when I found it this legal action was filed in  2012. I  was not properly served, and I have a very strong suspicion that they purposely lied about whom they served in order to push this lawsuit through and obtain a default judgement. Furthermore, the law firm has engaged in unfair and shady practices by attempting to use outdated writs to try to seize my property. When I spoke with they  XXXX   XXXX   XXXX , and asked them why they did n't serve me personally or attempt to contact me back i n 2012 to resol ve this, they were extremely rude and condescending. The debt has grown to enormous amounts and it is a clear attempt to use the legal system to inflate the debt and force me into paying close to triple the original balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. I think Transunion has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The account must be fixed : XXXX XXXX  XXXX Late Date XX/XX/21
Product: Checking or savings account

Despite closing all of my relationships with Chase Bank including my credit card and checking Chase Bank has never deleted my account as a privacy request. Instead they are regularly running my credit, sending me credit alerts, and mailers. I want my account deleted as a privacy request.
Product: Debt collection

To Portfolio Recovery : ( This is the 3rd Letter Sent To Your Company ), prior 2 certified letters. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Acct # XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. XXXX Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. XXXX Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Product: Money transfer, virtual currency, or money service

Around XX/XX/19 I attempted a bank to bank wire transfer from my M & T bank account to my credit union. Via the online process, M & T requested my user name and password for my credit union account , M & T accessed my account and then asked a couple of unique questions regarding my  credit union bank account. I answered the questions and was told everything was successful and I could complete the wire transfer. I then attempted to transfer the funds, but was then denied as I was told one of their fraud detectors were triggered. I've been the same back over 20 years and since M & T took it over via an acquisition. I called M & T to see what triggered the fraud alert, but was told they could tell me anything, nor did they know why it was triggered. The transfer was very important as I was closing on a mortgage and urgently needed closing costs money transferred to my CU. I was told I needed to email my CU statement to lift the wire suspension. I emailed the statement around XXXX but was never notified by M & T that the suspension was lifted. I never completed the transfer. 

On XX/XX/19 I attempted to use XXXX, a service offered on my M & T account to transfer {$250.00} to a relative. After successfully registering and attempting to transfer the funds, M & T denied my transaction, advising I triggered one of their fraud alerts/detectors. Again tremendously inconvenienced and know feeling targeted, I called M & T to determine what happened but was told they could not tell me nor did they know. I advised I felt weird and somewhat discriminated against. Why do I constantly trigger a fraud alert but no one can tell my why or even provide a high-level rationale. 

Similarly to when someone is provided or denied credit a company must advise why, M & T 's current practice will cause additional regulation because banks can't do what's right unless forced to. I understand specifics may not be able to be provided to keep the integrity of the process, but you have to tell long term, honest customers something. The treatment is just wrong, and falls on deaf ears. 

Nevertheless, I was unable to complete the transfer and was not provided a reason, nor timeframe as to when I would be able too. I ended up using XXXX XXXX to complete the transaction ( I also used XXXX XXXX to facilitate the movement of funds from M & T to my Credit Union - back in XX/XX/2019 ). 

I have had NSFs in the past, and have paid all fees. A review of my account history will never show any fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.
Product: Debt collection

Debt collector calling me about a payment from XXXX that I do not owe. Every time I ask tell them that XXXX has never contacted me XXXX telling me I owe a dime. I have received nothing in writing from XXXX. I keep telling them that I need it in writing from XXXX before I even think about giving them one cent. This company calls me every single day with the same " This will be put on your credit score if you do not pay ''. I looked up some reviews of this company and TONS of people are having this problem. XXXX has even said they have nothing to do with them and does not use them for debt collection.
Product: Credit reporting or other personal consumer reports

Innovis continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other names or address listed on my report. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Santander Consumer is a debt collections Agencie that is illegally and inaccurately Reporting on my credit report i have disputed this account 2x with the reporting agencies and they have not investigated this matter properly and effetely this collection Agencie is reporting on my credit report without proper protocol I have not been notified of any debt with this company I do not have any contract with this company the account is closed and charged off this account has already had a tax break on the account with the original creditor this account is pass the statute of limitation to be appearing on my credit report I have taken legal action in this matter this account is in violation code 15 u.s.c. 1681 and Violation code 15 U.S.C 1692 this account has been reporting that it has a pass due amount and also reporting as a revolving account meaning the account is still active and that is false and misrepresentation I also have no validation of this debt with this company I am requesting this account be removed from my account immediately or me and my attorney with move forward in legal action for punitive Damages and Negligent actions
Product: Student loan

I've tried to reach out to ED FINANCIAL/ESA concerning my consumer report. I asked the company to provide me with an SSA-3288 showing that i gave this company consent to report to my consumer report, even if the process is online. This company don't understand that they can't just put anything on my consumer report. According to 15 US Code 1681a ( 2 ) ( Exclusions ). Things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making report. Consumer- is an individual ( ME ). Person- Any individual partnership, Corporation, Trust, estate, cooperative association , government or governmental subdivision or agency, or other entity. Experiences & Transaction-Applying for a loan, credit cards, late payments, high utilization, charge off ( s ) collection accounts, Judgements, Repos, Bankruptcy. this law shows that this company really didn't care to read. 5 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. 
I wasn't informed about any activity that took place on my consumer report.
Product: Credit card or prepaid card

I received a prepaid AMEX Serve credit card in the mail. I immediately knew something was wrong as it was made out in my maiden name. When I contacted AMEX fraud department, my suspicious were confirmed as the credit card request was made from an email address that I do not have. The email address was XXXX. 
Amex did confirm that the identify thief had my DOB, SS # and mailing address. 
I asked to close the account. It took 6 phone calls to the overseas fraud department and unsympathetic representatives who were reading from a script. At one point, when I asked for a case #, report # or a form of confirmation that the matter was being handled, the rep told me he was sending me a confirmation to the email address were the fake request was made. I was furious! I asked to speak with US representative who could actually assist me. All 6 calls to AMEX fraud department results in hang ups during my conversations. They never gave me a confirmation in writing or a case #. I contacted the credit bureaus and placed a freeze on my credit. American Express is absolutely irresponsible in handling identify theft! I still do not know what is going on with the credit card fraudulently opened in my name with my information! I request to speak with someone in the US office to address this serious matter. I am seeking legal advice if any damage occurs to my perfect credit due to AMEX negligence and mishandling of an identity theft matter. 

Thank you.
Product: Credit card or prepaid card

My life has been affected by the pandemic. I enrolled in hardship programs with the company that weren't explained well and the letter they sent out was misleading. I was given the wrong amounts for minimum payments which caused further confusion. I was also told once my account was paid they would file a credit correction but that never happened. If this is not resolved I will have to take legal action against the company because what they're doing is unfair to consumers who already suffered immensely during the pandemic. They reported my account 30 days late three times in a row which was not correct and also the program stated that you would not fall further behind. I was not 30 days late when I enrolled in the program. Please fix my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing on my report 16 late accounts. I have never been late on any account prior to my XX/XX/202XXXX XXXX XXXX filing. I have not been able to reach anyone as their automated system doesn't allow me to speak with a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 i filed an online dispute and a dispute via usps mail. the dispute is on a collections account for XXXX XXXX hospital - the collection company is XXXX XXXX - i filed the original dispute on XX/XX/2019 and XXXX XXXX did not respond within the 30 days set in law by the fair credit reporting act. 
as of the XXXX dispute XXXX XXXX was 75 days with no response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

on XX/XX/2019 i filed another dispute on this item for reason of " disputed company did not respond within 30 days '' this was a result of waiting 120 days for a response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

EQUIFAX XXXX COLLECTIONS -- NONE 1. XXXX/XXXX XXXX XXXX CFBP FORWARDED TO REGULATION DATA BASE - DISPUTED XX/XX/2019 XXXX XX/XX/2019 related to > 30 days no response to disputes. 

in accordance with the fair credit reporting act - equifax is required to remove this item from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, after sending out multiple letters to the credit reporting agencies XXXX, XXXX and Experian have continued to violate my rights as a consumer and have failed to provide me with any valid documentation regarding negative inaccurate reporting and accounts they have been placing on my consumer report. 

A proper investigation has not been done after many attempts to remedy the situation and inaccurate reporting such as the date reported, last active dates, balance amounts and payment history continues to be reflected on my credit reports due to the CRA 's lack of professionalism and honesty in reporting. I have never been given any proof or valid documentation by the CRA 's to show that an actual investigation on my credit reports have been made, after consistently asking them trough writing for a proof of their claims. 

NOTHING WAS SENT TO ME! 

In accordance with the Fair Credit Reporting act acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 15 USC 1681 section 602 A states that I have the right to privacy. Also 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. My rights are being violated and this needs to stop immediately!
Product: Checking or savings account

On XXXX a unauthorized transaction of {$66.00} occurred. Once the payment stopped pending i attempted to dispute through the Chime app. After being denied the money that I DID NOT spend they made the final decision to not return my funds. My debit card information was most likely stolen from a fake XXXX text message i received that I thought was legit. After explaining that they still denied me my funds. The amount isn't much but its the fact Chime claims to have a zero liability policy but wouldnt return my stolen funds to me that just doesnt sit right with me.