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

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1.XXXX XXXX XXXX # XXXX 2.XXXX # XXXX 3.XXXX XXXX XXXX # XXXX, # XXXX, # XXXXThese account are a violation of HIPPA Act. Never done business with XXXX XXXX. please produce a copy of my signature or contract or delete  account error. 4.XXXX XXXX XXXX # XXXXThese account are a violation of HIPPA Act. Never done business with XXXX XXXX. please produce a copy of my signature or contract or delete account error. 5.XXXX XXXX # XXXXthis account has no contract error please delete never done business with this company.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ) accounts with XXXX   Experian and XXXX  on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue. 

1. XXXX 2. XXXX XXXX 3. XXXX XXXX  These are multiple violations of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I filed for additional time during XXXX XXXXXXXX for my auto loan with XXXX XXXX and they are continuing to report 10 late payments on my credit report even after I gave them hospital records etc.
Product: Credit card

During the pandemic in XX/XX/XXXX, I contacted XXXXXXXX XXXX XXXXXXXX XXXX regarding my inability to pay my Master Card account ending in XXXX. Instead of working with me they closed the account, charged it off in XX/XX/XXXX ( without ever sending me a 1099C ) and then proceeded to transfer it to a debt collector, MIDLAND CREDIT MANAGEMENT XXXX INC., who contact me in XXXX to workout paying them the balance of the charged off account. I told the gentleman I spoke to that I was just getting back on my feet and that I thought the account being charged off meant I would be able to negotiate a settlement amount and requested a copy of the 1099C but never received it. The settlement amount offered I advised was still not manageable but that I would try to make a {$50.00} payment. They have now initiated a lawsuit against me even though they charged off the account on their taxes and never supplied me with the 1099C I requested so I could file it with mine. 

XXXX and it's assignee MIDLAND CREDIT MANAGEMENT are attempting to be unduly enriched and in an attempt to defraud the IRS collect a judgment against me for a charged off account which they conspired to obtain a judgment hold against my credit.
Product: Credit card or prepaid card

I was marketed to and told I was eligible for a bonus of XXXX points after I spent {$2000.00}. I was told this on multiple occasions. Once I spent the required amount and paid my bills on time and in full, I was told I was not eligible for the offer. The reasons given ( too many accounts open, etc ) do not apply to me. I deserve this welcome bonus
Product: Checking or savings account

my company doesn't pay us the way most do they use daily pay so that way it helps employees get started with funds and such and I have chime as my bank but because of the way my pay is set up chime is saying I don't get to use features such as spot me anymore because my company pays the way they do and when I called about this Chime told me to tell my company they need to pay us every two weeks or to find a new job. They say to use it I have to have {$200.00} plus dirct deposited into my account every 34 days and I have well over that coming in like {$1500.00} over that but I do'nt get to use it because my company pays me daily. this is wrong.
Product: Mortgage

I have been treated unfairly by RP Funding. I can not get anyone on the phone because when I call they are always busy. Most correspondence had been thru email, which I have every one saved. 

I have been trying to refi my mortgage with RP Funding for over 65 days. All I get is a run around with no clear direction. Most of my problems center on XXXX XXXX. It is the following problems that will now delay my closing by possibly another month : First, I got a better interest rate with XXXX XXXX. I sent him the quote and asked him to meet it ( their policy ). He goes on to say there program ( RP Funding ) is better and I would be a fool to use them ( but he would do what I want ). So, I stayed with RP Funding. 

Second, the final documents they sent, which needed my signature, secretly added over {$7000.00} in VA funding fees, of which I'm exempt from since I have a VA XXXX. XXXX tells me those fees were always there. So I send him the originals which showed the exempt status. He didn't fix this error, let alone catch it. I had to contact XXXX XXXX who said he would get it addressed. I'm still not sure if it has been fixed because I haven't received those documents again to sign. 

Third, I received an email two weeks ago that requested a termite inspection, a water test and a survey. Confused, I tried repeatedly to contact XXXX, even leaving multiple voice messages. Eventually I get an email saying that I need to ignore those requests ... that everything is fine. But, again today I received a request for those documents again. I tried calling XXXX, no answer. I called the loan originator, too busy to talk. So, once again I'm left in the dark, not knowing what these documents are or how to get them. 

Regarding the survey, they charged me for one in the final documents, so why don't they have it. I have so many problems with RP funding and no one is contacting me or working diligently on my refi.
Product: Checking or savings account

When I closed my wellsfargo account they charged me tons of insufficient funds fees.
Product: Credit card or prepaid card

I tried to make an online purchase but the purchase didnt go through because it said there was an issue the billing address. Tried to make the purchase multiple times and the amount showed as pending on my credit card even though I couldnt complete the purchase on the merchant website. There was a pending total of {$480.00} due to the recurrent transaction. The pending charges went away because the purchase was never made but the amount of {$480.00} is showing as a balance on my credit card which is incorrect. The charge never posted so it should not be showing in my current balance. I have tried to call and send messages. I was on the phone waiting to talk to a representative for XXXX hours and no one ever answered. I sent many emails with no response. It is frustrating because Wyndham by XXXX XXXX is trying make me pay for something that was never finalized. My recent transactions do not equal what is showing as my balance
Product: Credit card or prepaid card

Received alert from a credit bureau there was a hard inquiry for a credit card, ComenityCapitalBankXXXX  on XX/XX/23. I did not apply for this card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list below has violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC Section 602 A. States I have the right of privacy.15 USC 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instruction. ( I did not give ) .15 USC 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 then records of conviction of crimes which antedates the report by more then seven years.15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe. 

I am disputing all accouts with, all the Credit company 's. XXXX, XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check into my girlfriends account the check is in my name, but the bank needs a phone number verification I dont have a phone line under my name as I am on a family plan, we went in to the branch and took my manager, I have all the proof for the check, they are claiming without a phone number they cant release the check, they have closed her account and have not even tried to contact me the owner of the check, they could have taken my social security or my ID that has the address of the check and matched everything up but they are not investigating properly they are just persistent on that phone number they have had my check for two months now and are doing nothing to help me or anything to try and release my check I worked for that check and they are hurting my ability to feed myself and my family especially in times like this, I have went to the branch and have told them I can verify anything and prove that its my check I have all the statements of the exact check the exact dates the exact company that gave me that check and paid me more than once I have pay statements from the same employer yet none of that proof is enough for them and I dont know what else to do the check is literally just being held for no reason, if they couldnt verify they had no reason to cash the check, they could have sent it back to my employer and they could have wrote me a new check, but they cashed it and are passing my money around as thats what banks like to do, I have been calling everyday and they are of no help I come to cfpb because you are the only people who care enough to actually do something about it, I dont know who contact or what to do.
Product: Student loan

My Loan was taken from a Credit Union and XXXX XXXX  XXXX XXXX in the XXXX 's and sold to XXXX XXXX. Eventually consolidated with XXXX XXXX XXXX. I received a call to fill out paperwork because I qualified for Loan Forgiveness.  When I explained the paperwork asked me to consolidate the loan to XXXX XXXX XXXX XXXX not forgive the loan. The explanation was the loan has to be consolidated back to the original Lender/Holder to be forgiven so I went ahead. I never heard anything further then my loan was in default. I brought it out of default and have been told I do not qualify for forgiveness. Now the loan is continually sold to services without my consent and every time I am contacted by a new servicer the loan amount increases by thousands of dollars. There is some sort of predatory fraud and scam being committed. The loan amounts I borrowed in school were around 15,000 and My has added interest from around {$30000.00} to not over 55,000 in the last 2 years. Something is wrong.
Product: Debt collection

One day while shopping at Costco an employee at the customer service area approached me about a credit card w/Citibank & Costco, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by Costco meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at Costco that day, plus more as I was receiving harassing phone calls from Citibank stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what Citibank stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from Citibank stating that they sent the credit card to my address and that it had been returned which I never knew until receiving Citibank 's letters that Citibank attempted to send me a credit card twice and they were returned. I told that Costco rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that Citibank is charging me was not an amount of purchased items as I paid my one time shop spree with Costco 's temporary paper slip, so my question is why is Citibank stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is Citibank continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called Citibank to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that Citibank attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.
Product: Checking or savings account

In XXXX XXXX, Capital One Bank changed vendors for their online banking system and " migrated '' users ' online Bill Payment information to the new system. A notice was emailed to users beforehand saying the system would be unavailable for several days of a weekend. 

When the new system was available, it had a completely new user interface. Billers ( i.e., payees ) and scheduled payments were listed in full whether you wanted them or not. And, there was no access to recurring payments to change due dates or payment amounts. I began calling Capital One every few days to find out when I would be able to edit a recurring payment - and was told " There are temporary problems with the ability to edit a biller. Try again later. '' Then, one day, I was told that the only way to " edit '' recurring payment was to delete the existing scheduled payment and enter all the information again by setting up a " new '' payee. Initially, I refused to do this and insisted that the edit capability must be restored. Finally, around XX/XX/XXXX, I gave up and deleted the old payment and tried to start a new/replacement payee. But, the system hit a " snag '' and said to try back later. I called again and raised a major fuss about the incompetence of CapOne 's IT operation and their inability to provide access to my accounts and money so that I would conduct banking operations. 

My complaint was escalated and I was told someone in IT would contact me about my problems. The supervisor admitted that he was fielding many complaints such as mine and that all the other supervisors he worked with were also receiving complaints about the " Bill Pay '' portion of their system. On XX/XX/XXXX, I received an email saying that the new payee I had attempted to add had been successful and that I could proceed to set up payments. This morning, ( XX/XX/XXXX ) I tried to do that and the message was " Oops, we've hit a snag - try again later ''. I called again and asked to speak to a supervisor. Her name is XXXX. She listened to my long-running set of compaints, said she could see records of my previous calls, and told me there was a " system-wide '' failure of online banking this morning but that IT was working to resolve problems. I was not satisfied. She said she could provide me with my Case ID number ; they had opened a file on me : ID XXXX XXXX XXXX XXXX XXXX. She then said she had received an email during our call to tell customers not to change anything regarding their online banking info. I told her that, at this point, I am being reduced to writing a check and mailing it to the payee because CapOne 's online banking system was denying me access to my money - which I said was illegal. This is a monumental, colossal failure of a major banking institution to effectively manage computer system operations and amounts to a denial of service. They have my money but I can't spend it in the manner which any online banking system should provide.
Product: Debt collection

I don't recall having a contractual relationship with this collection company SPRING OAKS CAPITAL LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Delete this Collection Account from my credit report.
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. 

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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

In accordance with the Fair Credit Reporting Act. TransUnion ( Account # XXXX ) has violated my rights. 15 U.S.C. 1681 section 602A. states I have a right to privacy. 15 USC 1681 section 604A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX  ) had filed a case in court against me. I called Calvary and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse.

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask Calvary and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court.

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''
Product: Mortgage

I am a borrower who is in forbearance due to the Covid virus. Quicken loans has consistently communicated false information to me about my options. FHA loans have a maximum forbearance of 18 months. During my last " check in '' with Quicken Loans the customer service rep informed me that I only had 15 months and that FHA will not exten d forbearance beyond 15 months. I was on my last month. I had to inform her she was not correct. After a long conversation, she checked with her supervisor and agreed that it was in fact 18 months. What is sad is all the people she spoke to before me and gave struggling people " wrong information '' PLEASE PLEASE train your employee 's with the correct information Quicken ... Those 3 months ( that she was unaware of ) could help a struggling family
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.