23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX ( XXXX ), XXXX and XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) All accounts listed under ( 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 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: Debt collection

I was contacted by ECMC first time XX/XX/XXXX about defaulted student loans. I communicated with them that I am in the process of consolidation and I 'm just about finished with school and how that could be? I was under the impression I had a few months left after class ended! 

I also added all loans would be serviced by XXXX and I have an accepted consolidation loan set for disbursement in after I submitted my paperwork. At this time the Caller informed me that they are servicer and need to collect on " this debt ''. They demanded payment regardless of my stance of " in school deferment or the anticipation of consolidation. 

XXXX XXXX I noticed a " trade line '' on my credit report summarizing data pertaining to the recently paid-off student loan and a collection accounts reported by ECMC as a Paid collection along with several others with varying dates of collection " reported date XX/XX/XXXX '' I have since contacted them and they will transfer me to a line with no answer or hang up. I have sent them proof of full time enrollment from XX/XX/XXXX-XX/XX/XXXX and asked for verification with no response or action. They have also reported Date of first delinquency wrong and also Date of Default has changed on other reports. 

When I do speak to someone and its regarding collection they take the stance " we are the owner of this debt but when it comes to attempting to show proof of enrolment/deferment they take the stance that it needs to be filed with the original creditor. 

I have clearly shown them that the loans are in deferment and in consolidation thus i get the canned response not according to our records and we demand payment ... .They are causing a XXXX XXXX to enter the market with horrible credit and undue stress because of their lack of keeping sound records, constant changes to my credit report etc. In accurate date of first delinquency ( Because XXXX county and XXXX XXXX do n't have one ) I WANT ALL ECMC TRADELINES REMOVED Higher Education Act or FCRA they are in violation. I am also in the process on obtaining supporting data from the XXXX original creditors showing in school deferment and will take on their absorbent fees they added on. 

Some how the DHE got it right with their reporting but ECMC cant figure it out : -/ Please HELP ( PLEASE SEE attached XXXX Is the original Creditor showing DOFD XX/XX/XXXX and the ECMC XX/XX/XXXX ) As you can see XXXX and US dept of education are no negitives and current due to in school deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's  response to complaint XXXX, dated XX/XX/XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the datesXX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting inXX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. The plaintiff/homeowner has submitted payments through the Mr Cooper aut
omated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper.

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXXis showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on Experian and XX/XX/XXXXbeing 30+ days late on XXXX  and XXXX   There were 2 months of extensions granted for XX/XX/XXXXand XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX and XX/XX/XXXXPayments. Experian shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX  has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DTEDXXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX and Equifax asking to verify inaccurate information on my credit report. its been more than 30 days and I have not yet heard back from either bureau regarding the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Lockhart, Morris, & Mont inserted this entry on my report without communicating with me.  I have not received a dunning letter or anything from them.  By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging.  I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights.  My communication with them in XX/XX/2019,  (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond.  In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt.  As previously mentioned, I have not received any response from this company.  To that end, this entry should be deleted from my report immediately.  Lockhart, Morris & Mont are continually and blatantly reporting this entry and violating my consumer rights.
Product: Credit card or prepaid card

I rented a car in XXXX, Ro through Capital One Travel. I used my Capital One Master card. I showed up to pick it up on XX/XX/ at almost XXXX  The clerk asked for my driver licenses and a credit card. He very quickly asked me to initial and sign what looked like a car rental contract. I didn't realized there were already amounts printed on the contract. He proceeded to tell me that they charge XXXX a day for insurance. I told him that my insurance probably covers me but I would have to verify with my Insurance company. While we were having the conversation about the insurance cost I got a message on my phone from Capitalone that I was charged XXXX without my knowledge. I was very upset and told him that I would not rent the car any longer. He said no problem and asked me to write cancel by customer and sign on the contract and he also signed. I asked him to refund the XXXX. He said he would not do it and that I should contact Capitalone. He never mentioned that the fees were not refundable. At the time I didn't think it would be a good idea to push the matter since it was past midnight and I didn't feel safe. They were located about 10 minute drive from the airport in a comercial area and there was nobody around. Since I rented through Capitalone I assumed they would have my back. I went back to the airport and rented another car from one of the kiosks for XXXX for the same amount of time which included full covarge insurance. As soon as I got to my hotel I contacted Capitalone and reported the incident. They assured me they would take care of it and all I need to do is contest the charge online. Capital one credited my account the XXXX but did not make it available. On XX/XX/ Capitalone sent me an email telling me that the vendor showed proof that I accepted the charges and place the charge on my account again. They said to contact the vendor directly and resolve the situation. I called Capitalone again but got nowhere. They said since I signed the contract that I was deceived into signing there's nothing they can do. I contacted the vendor ( XXXX XXXX XXXX ) and asked them to refund me the money. They said they would not because I agreed to the charges. So at this point I have to pay for a car rental I never used, a bunch of fees for that car and insurance for a car I never used. This company is a scam and the only reason I used it is because I rented through Capitalone Travel and booked it on my Capitalone card and assumed I was working with a legitimate company. I'm very disappointed with Capitalone and look forward to paying them off and canceling my card.
Product: Checking or savings account

We have banked with Suntrust for years. And NEVER had an issue. Not once. 
Ever since the merger to become Truist, its been a nightmare. 

To start, we check our bank account daily. And we noticed that our bank account was dropping significantly! Well, when we use our debit card, it automatically takes money out of our available balance. As it should. The next day, if the transaction is still showing pending, Truist then takes the money AGAIN. Now Im not Talking about paying pills- because that usually always takes a couple days to come out. But its day to day transactions that are getting taken out twice! Truist customer service has told us theres nothing they can do. And its a merchant problem not them. Which I find HIGHLY unlikely since we didnt have this problem until Truist took over. Im not talking small amounts either. Over the course of 4 months we are missing ATLEAST {$3000.00}. Probably more. They refuse to do anything about it.
Product: Checking or savings account

I was charged 9 times fees for balance inquiry, 8 times in one day and then next day. I didn't inquire balance when I am doing withdrawal. 
Bank of America closed all ATM in my town and I have to pay {$8.00} for each transaction because I don't have any other options. 
This is not the first time bank of America charging me inquire fees when I didn't do any inheres In XXXX I paid {$12.00} in those fees and in XXXX I paid {$22.00} totaling {$35.00}. This is not including other fees that I paid to withdrew the funds.
Product: Credit card

Best Buy included a Debt Protection Fee in my statement. This is something that I did not ask for when I made my purchases. I caught it on the first statement but there may be many who do not notice the fee. I called the number on the statement and spoke with a customer service representative. I asked them to cancel the charges. She stated that she would and started to end the call. I asked if the charge was going to be taken off my current statement. She stated that she could not do that but would ask for a refund. Best Buy adds additional charges, makes you call them to cancel and tries to avoid removing the charge. They should not be able to automatically charge these debt protection fees without authorization from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Has Fail To Remove An Fraudulently Reporting Account ( Southwestern Recovery ). 
FTC Report Was Provided, Experian Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( Southwestern Recovery ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, XXXX, Experian Has ALL Fail To Report Accuracies Of Creditor XXXX XXXX. 
XXXX, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

Experian, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my Toyota XXXX XXXX last XXXX, maybe around XXXX, at XXXX TOYOTA in XXXX, CA and I have submitted a loan request to Toyota. The manager said I was not approved, so he told me I can apply at XXXX XXXX, so I did. After some time, I got both statements from Toyota and XXXX XXXX. I went back to them to asked which one I should pay because of course, I only got 1 car so why should I pay 2 payments? They told me to keep the XXXX XXXX and that they are going to close it. I don't know why but I was still getting some statements that says I owe them {$110.00} for the interest but of course I am not going to pay that amount because it's not my fault that they made a mistake. Why would I pay that? I ignored it for how many months in XXXX because I trusted that they are going to close it anyways. 
Fast forward, I got tired for getting those statements so I told them to close the account but what happened instead, was that my credit report has changed. Suddenly, my {$110.00} balance became more that {$18000.00} and I had delinquent account, and that I owe them {$3000.00} or so. My XXXX credit card was closed due to this fraudulent report that appeared on my credit report. I was angry and so I sent them a letter that if they won't change it, I'm going to sue them in court. They said they were going to change it. I went ahead and also contacted experian to correct this mistake. 
Fast forward to today, XXXX XXXX, I found out that the report says that it was ACCURATE, and Toyota confirmed that those were not mistake even though they knew it was fraudulent. So that's why I am reporting them now. I even bought a package for oil change back then which I didn't use in fear that they might sabotage my car and I might get into an accident since I no longer trusted them because of what they did to me. Please help me correct this mistake that they did to my credit report. I hope you investigate this business. THEY ARE FRAUD AND SCAMMER. THAT'S ALL I CAN SAY. THEY DON'T HAVE ANY SHAME.
Product: Credit reporting or other personal consumer reports

Requesting method of verification who did you speak with, what are the methods used, where is your proof show me that your verification method was complete accurate and verifiable XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Transunion XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX & XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit card

I purchased a casket online from a merchant called XXXX XXXX XXXX XXXX on XX/XX/XXXX because my husband passed away the week before. The casket showed up broken on XX/XX/XXXX when the funeral was the next day. The merchant admitted by text that the casket could not be used and he would refund me. 

The funeral home sent a letter with all the details of their account as the casket arrived to them damaged and couldn't be used. I sent pictures of the broken casket to the merchant and all of the documents, text, and pictures to Capital One. 

The cost was {$2400.00} for the casket. Capital One gave me a credit on XX/XX/XXXX bit then charged it back again on XXXX. I told them that I wanted to dispute the charge again and they said that the case was already closed and there was nothing they could do. 

This time was difficult enough with the passing of my husband but to have Capital One deny this dispute with all the information that I provided during this difficult time for me, it seems that they are taking advantage of an elder woman when she is already beat down.
Product: Credit card or prepaid card

I received a promotion that stated : Pay at least one insurance bill with your Fidelity Rewards Visa Signature Card by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a XXXX bill on XX/XX/XXXX in the amount of {$210.00}. 

The terms state within 2-3 billing cycles but the promotional points have not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX # XXXX with the credit bureau several times,  the last time was in XX/XX/2018/XX/XX/2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.