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

I am extremely upset and am considering sharing my experience with the local news, XXXX, and any other outlets for consumer protection that exist. The FDIC encourages banks to work with consumers affected by COVID-19. These efforts may include waiving certain fees, including overdraft, ATM, late payment, early withdrawal, and other fees.. This bank did not follow covid protection protocols put in place by the President of the United States for anyone affected by Covid. I clarified that I was affected by covid and I also was severely struggling due to the pandemic. I made proper people aware of the situation and I was basically treated like complete disgustingness by the bank staff and their behavior deserves to be investigated. Not to mention I was forced to pay fees that I could not afford, that were out of my control because the bank refused to assist me regarding the issues I had. I want the chairman of the bank involved I want an explanation of why he thinks this is ok to do to people who are struggling and who were affected by the pandemic directly. I lost so much from this pandemic and how it affected my life, and the bank did not protect me. Now, I paid this bank off immediately after they closed my account, on XX/XX/2021 and SunTrust bank has yet to REMOVE the report THEY HAVE BEEN PAID and there is NO MONEY OWED, there is no reason to hurt my credit, this was not intentional this was because I was affected by XXXX REMOVE the report from my XXXX XXXX now! I demand this issue be resolved and I also demand any and ALL overdraft fees, bank fees, and any other fees that were erroneously, illegally, or improperly charged to my account and taken from me to be immediately refunded. SunTrust should be ashamed of how they treat their customers. I will also go to social media and tell my story in detail. YOU ARE RUINNING MY ABILITY TO GET BACK ON MY FEET AND RUINNING MY QUALITY OF LIFE.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Experian have misused my credit report by violating these codes 15 U.S.C ss 1681b exclusions ( 2 ) exclusions ( A ) subject 1681s-3 of this title 15 U.S.C ss 1681m- in relation of said requirement on users of reports
Product: Debt collection

EXPERIAN. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act convergence to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Capital one auto finance to advise them I did not apply for a loan with them and XXXX also XXXX I'm not even sure what these are. When I called they asked me to call the credit bureaus to remove them in which I did and they are still on my credit file I did not authorize these companies to run my credit.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX with a open balance of {$640.00}. Iam starting this claim to have this account disputed and removed from my credit.
Product: Credit card

A Bank of America credit analyst agreed to open a new Merril Lynch card with sign up offer of XXXX reward points if I closed and transferred 4 existing accounts with their credit lines to the new card. I agreed to do so and received the new Merril Lynch card in the mail with its credit line of {$20000.00} plus ( from transferring my closed accounts credit lines ). Upon activating I was made aware the new card will not be honored per the original offer by the credit analyst and has in fact been closed. So, in addition to not being able to take advantage of the Merril Lynch offer and card, I also lost all the credit lines with the cards I closed by the credit analyst and to no fault of my own. I spoke with a manager in the credit department to address the issue and was told they would not honor the original offer and expectations that were set with me. I would like this to be done as it was Bank of America 's analyst who made these initial arrangements with me.
Product: Mortgage

In short, my spouse and I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. In XXXX XXXX, our trustee filed a " Notice of Completion of Chapter XXXX Plan Payments to Trustee '' and served it to us, our attorney of record, other secured creditors and to the law firm representing our mortgage servicer, Greentree Financial dba Ditech which was transferred from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. Approximately 30 days later, Ditech 's attorney provided a response to the Trustee and our bankruptcy attorney indicating while they confirmed receipt of the Trustee payments, the debtors, meaning my husband and I, were allegedly delinquent in our mortgage payments by XXXX {$36000.00} which equates to approximately 24 months of past due mortgage payments ( that documentation has been attached to this complaint ). Documentation provided to substantiate their claim has been inconsistent, incomprehensible and ambiguous at best ( that documentation has been attached to this complaint ). You should know that the first time we were notified about a gap in payments is when a law firm representing XXXX XXXX XXXX sent an intent to file for a motion for relief to our attorney in XX/XX/XXXX. We challenged them by requesting a copy of our pay history and upon receipt we learned that XXXX XXXX XXXX was posting post petition payments to pre-petition shortages ( the months included in their proof of claim ) erroneously. Once our attorney challenged their findings by providing the XXXX pay history documentation to XXXX XXXX XXXX 's attorneys, we never heard from that firm again ( that documentation has been attached to this complaint ). When my husband 's employment was impacted, being proactive and accountable, we applied for loss mitigation assistance with XXXX Home Loans and were pre-qualified for a HAMP loan modification program ( documentation has been attached ). After we completed the trial payment plan, we opted out and raised objections about the terms and conditions ( documentation attached ). Those inquiries were never answered. What we 've experienced has been overwhelming to say the least! We 're distressed and infuriated because verbal and written requests for information have gone unanswered and our attorney 's efforts to obtain specifics have been to no avail. Our discharge hearing has been postponed twice because we 've been challenging them. It 's been rescheduled for Thursday, XXXX XXXX XXXX. We need help with holding XXXX XXXX XXXX, Greentree and Ditech accountable as we fear we 're being victimized and at risk for foreclosure. We want now what we wanted then and that is -- - irrefutable evidence of our past due status and transparent, legitimate documentation supporting how our payments have been applied and why if we missed that many payments, the bank failed to exercise their right to repossess? Thanking the CFPB in advance for your immediate attention to this matter.
Product: Debt collection

In XX/XX/XXXX my credit score dropped 50 points due to an added debt collection item by ABR Recovery in  the amount of {$1500.00}. My credit report stated I opened the accountXX/XX/XXXX I am not aware of this debt. OnXX/XX/XXXXI sent a certified Letter of Verification of the debt to ABR Recovery LLC which was delivered and accepted on XX/XX/XXXX. I have not received any of the requested information or proof that this debt belongs to me. It is now passed 30 days since I requested the information from ABR Recovery LLC. I am requesting the company to remove the debt collection item from all of my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

In XX/XX/2022 I submitted a form for my XXXX XXXX XXXX  payments to be taken every 2 weeks instead of every month. I also requested ont he same for for an additional {$50.00} to be taken every 2 weeks. 
I spoke to a customer service rep for The Money Source mid XXXX who assured me that the form I submitted would go into effect XX/XX/2022. 
This did not occur. On XX/XX/2022 I call The Money Source and I was told that no one looked at the form I submitted. They then told me I had to pay a month in advance which I did alsong with an extra {$100.00} as an extra principal payment. I was told that the form would be processed by the end of the business day and I would get a call back. 
This did not happen, but they did take the extra money. 
On the XXXX XX/XX/2022 I called again and was told again no one looked at the form.But i was assured it would be taken care of by the end of the business day on the XXXX. 
This did not happen. 
I lodged a written complaint to the company via email on Monday XXXX XXXX and have had no response to my written complaint. 
I initial and spoke to a customer service rep on XXXX XXXX who gave me the same spiel don't worry it will be fixed by the end on the day on the XXXX and it is still not fixed.I have spent about 6 hours since XX/XX/XXXX on the phone with customer service, their supervisors and I still have not had the issue rectified. They XXXX very quick to take an extra payment but not delivering on service. I feel like they deceived me by telling me I needed to pay an additional month and then didn't care to implement the form I sent them. 
I have been told by the company there are no extra fees or charges involved in paying every 2 weeks. I feel like they don't want to implement their own form because they would be losing in interest over the 30 year loan.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$9400.00}
Product: Credit reporting or other personal consumer reports

Ive been trying to delete my online Experian account ( Membership ID : XXXX ) due to privacy concerns. Ive called XXXX, XXXX, and XXXX multiple times, provided my full name, address, and membership ID, but they refuse to verify me and wont close the account. Their website also has no option to cancel. This violates my right to control my data. I want my online account deleted immediately and for Experian to stop accessing my voluntary data ( e.g., bank info ). Ive been trying since XX/XX/year> and have not been successful. Their automated system deliberately fails to verify you and therefore hangs up.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 


EQUIFAX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX has violated my rights . 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # 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.

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 items of information, other then 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: Credit reporting or other personal consumer reports

While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/2022 they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management Service is reporting incorrectly to XXXX  ; XXXX and XXXX  a collection in the amount of {$2500.00} on the NCB MANAGEMENT SERVICE account number XXXX. The original creditor is XXXX  XXXX  XXXX   XXXX, XXXX. This account was fraudulently opened by my ex-husband on XX/XX/XXXX. I never authorized or agreed to open this account. Because this account was opened in my name, I began receiving statements from XXXX. I immediately contacted XXXX  to let them know that this account was not mine, however in the meantime until this issue was resolved I had no choice but to make the monthly payments on this account. The amount of the loan was {$2200.00}. This loan has since been paid in full. ( Please see attached Transaction History. ) I continued to have issues with XXXX  not properly applying my payments and consequently interest kept accruing even though the account was paid off. I did not know that XXXX  sold and transferred this account. NCB Management Service is a third party debt collector. There are several issues with how this account is currently being reported. First, NCB is reporting ( 90 ) days past due with a starting date of XX/XX/XXXX. A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, this could result in a legal case against the third party collection agency. Second, there is no date being reported for last active which is a violation of the Fair Credit Reporting Act. This account should be reporting a {$0.00} balance and {$0.00} past due. I have made numerous attempts to resolve this issue directly with XXXX  XXXX  however, I was not successful and consequently this account now is with NCB Management Service. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus ; XXXX XXXX XXXX XXXX XXXX and NCB Management Service to resolve this however, I have not been successful.
Product: Vehicle loan or lease

I noticed unauthorized hard inquiries on my credit report and ask they be removed I have attached a ftc report on the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX via dealer
Product: Credit reporting or other personal consumer reports

Conns appliance violating federal bankruptcy reporting late payments and charge off on history after date I filed for bankruptcy XXXX  years ago. Remove the late payment history and charge off. This was included in discharge bankruptcy against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX  These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of My Consumer Rights Under 15 USC 1681 I am writing to formally raise a complaint regarding the violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). The following accounts on my Equifax credit report have breached these rights : XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX  ( CLOSED ) # XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) # XXXX Upon reviewing my Equifax credit report on XX/XX/year>, I identified several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported ( 15 USC 1681e ( b ) ).

Additionally, as outlined in 15 USC 1681i ( a ) ( 5 ), the FCRA mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Promptly delete or modify the item of information as appropriate based on the results of the reinvestigation.

Promptly notify the furnisher of the information that the information has been modified or deleted.

Furthermore, 15 USC 1681s-2 prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Given the discrepancies noted in my credit report and the obligations outlined by the FCRA, I request the following actions : A reinvestigation of the inaccurate or incomplete information listed in the aforementioned accounts.

Prompt deletion or correction of any verified inaccuracies or incomplete data.

Notification to all furnishers of the modified or deleted information, as required by law.

Please acknowledge receipt of this complaint and inform me of the actions that will be taken to address these issues within the timeframe prescribed by the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.