23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to have these items removed because they are damaging my credit score, and they are fraudulent. I did not consent, authorize, or benefit from none of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : Two credit cards, 2-3 automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a XXXX balance. In early XX/XX/XXXX I received a notice from 3rd party Credit Reporting company that my XXXX score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that USAA had reported a past due of {$41.00}. I immediately spoke with USAA and paid the full balance and filed a " dispute '' regarding this " past due ''. USAA immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a USAA XXXX Member Advocacy representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the Advocacy group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with Advocacy that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. USAA could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several USAA representatives had already affirmed in several discussions.
Product: Student loan

In summary, I was put in automatic In School Deferment without asking me first, I spent a month trying to get this resolved before payments restarted. Then after I had made a payment much larger than what I was quoted for, I received word that my request was process and that I am for some reason also liable for XXXX 's payment as a late payment, which I was never made away of and everything I'm seeing is showing I should not be charged for. 

Time line of events in detail : On XX/XX/2023, Aidvantage put me on In School Deferment without notifying me first if this was something I'd want to have applied to my account. 

On XX/XX/XXXX I reached out via their web portal to get this canceled. 

On XX/XX/XXXX, I called into their support line and was told that my deferment would be removed and that my Expected payment date was XX/XX/XXXX for {$290.00}. 

I was told that this would be reflected on my account in a day or two but it was not. 

On the XXXX, I received an email from their inbox ( which I can't even respond to ) stating they are still working on the changes to my account. This was after claiming that my payment was supposed to be {$740.00} but then correcting themselves and providing no further information other than that this was a mistaken amount. 

On the XXXX of XXXX and the XXXX of XXXX I received the same email stating that my request was being processed and that I would be receiving more information soon. 

On the XXXX of XXXX, I submitted a payment of {$300.00} spread out across all of my loans allocated based on estimated repayment amounts and then a further {$150.00} to my loan with the lowest balance. This payment is still processing. 

Today on the XXXX of XXXX, I received word that the changes were finally made to my account, that my payment was indeed due on the XXXX, and that it would indeed be the {$290.00} I was quoted over the phone. 

When I checked on their web portal was XXXX listed ( this is fine, I imagine the payment I made will be processed and then this will be resolved ) but then I was marked for a late fee for a payment in XXXX. I was never made aware of needing to pay in XXXX and everything I'm seeing online is that my payment should only be for a date in XXXX, not in XXXX and not in the least a full month before I was being quoted as having my next payment due back on XX/XX/XXXX. 

I have now both sent in a new inquiry ( as there is no way to respond to them via email ) and have been on the phone waiting on hold for almost 40 minutes with no idea how long I'll need to wait in the middle of my work day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX.is reporting on my Transunion and XXXX that I have XXXX missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.
Product: Credit reporting or other personal consumer reports

A auto loan that Im paying currently is not reporting on my credit report. I took out a XXXX on XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX XXXX Lot Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 The above 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: Checking or savings account

My Ally savings and invest account were locked out more than 10 days ago after a transfer triggered a fraud review in their system. I submitted documentation as requested by the bank but they will not unlock my account and give me access to my funds.
Product: Checking or savings account

XX/XX/2023 A fund from XXXX XXXX / XXXX still haven't posted to account after notice from J P Morgan notice stated needed more time. I submitted refund letter several times communication with XXXX XXXX has failed but an apology letter gad been issued also offered refund. JP Morgan has failed to return my funds. XXXX, Chase bank executives failed to return calls. Legal action are a must at this point its been over 6 months.
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 NUMBER : 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.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am receiving repeated harassing phone calls regarding XXXX XXXX, From Schrier, Tolin and Wagner. Regarding a XXXX XXXX debt I have asked them to stop calling me and that the account had been added to my bankruptcy before discharge. They have not stopped the harassment of calls and the bankruptcy is discharge as of XX/XX/XXXX and they called again today on XX/XX/XXXX. They are vulgar their language is rude and disrespectful. And I want to file a complaint for the harassment.
Product: Checking or savings account

I was supposed to get my taxes and I kept asking and didnt wanted to to give me my XXXX and now they trying to say I wasnt getting my money because I was being rude. Still havent got my money! Happened on XX/XX/XXXX n its XXXX!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for reporting a collections account on my credit profile for unpaid utilities. I have never had an account or contract with XXXX XXXX XXXX, nor have I received any documentation validating this debt. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and to receive verification of any alleged debt.

I disputed this account with Equifax, and despite the statutory 30-day investigation period under 15 U.S.C. 1681i ( a ) ( 1 ), no verification or documentation proving the validity of this debt has been provided. Equifax has failed to remove or correct the inaccurate reporting, which constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX has failed to provide proof that I owe this debt, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), which requires debt collectors to provide validation of a debt upon request.

This inaccurate reporting is causing harm to my credit profile, and I demand the immediate removal of this account from my credit report. I request the CFPB to investigate this matter and hold XXXX XXXX XXXX accountable for any violations of federal law.
Product: Credit card

A Purchase showed up on my US BANK credit card in the early morning hours of XX/XX/year> in the amount of {$64.00} from XXXX. I contacted US BANK credit card fraud department on XX/XX/year> to let them know I did not make this purchase and started a claim. I requested the account to be closed immediately and send me a new card. US BANK would not close the card till I paid off the {$64.00} and when I did would close the account on XX/XX/year>. US BANK requested more information and always said they were looking into it. I never had a new card sent due to the unresolved matter with the last credit card. I think once I closed the account and US BANK was paid they no longer looked into the matter. I contacted US BANK multiple times and they would say the claim was reopened and someone would contact me in XXXX hours. XXXX BANK also said to contact XXXX and have them reverse the charges. I did try to contact XXXX and you never can speak to a live person on chat and they would not reverse the charge. I did not make this purchase or receive anything from the purchase but did pay {$64.00} for nothing. US BANK was contacted again on XX/XX/year> and the claim is still under review and someone will get back with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent to Transunion Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXBalance {$4900.00} XXXXXXXX XXXXBalance {$0.00} XXXX XXXXBalance {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX XXXX {$820.00}
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the conduct of Experian, Equifax, and TransUnion in connection with the unauthorized sharing of my personal information, the inclusion of fraudulent data on my credit reports, and the failure to conduct a full and proper investigation into these matters. I have done so as soon as companies sent me letters to inform me of each breach in XXXX, XXXX, XXXX, XXXX and even recently in XXXX. Despite my prior reports of identity theft and fraud, these agencies have continued to list inaccurate and fraudulent information, and have disclosed my sensitive medical, educational, and IRS tax data without my explicit consent. Such actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the implementation of reasonable procedures to ensure the accuracy and privacy of consumer information, as well as the Identity Theft and Fraud statutes designed to protect consumers. Moreover, the unauthorized dissemination of my educational records infringes upon my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Title IV of the Higher Education Act. I demand an immediate and thorough investigation of these violations and require the prompt removal of all fraudulent items from my credit reports in full compliance with applicable federal consumer protection laws. I demand all improper items on each are removed within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been a number of requests sent to Equifax for the medical collection item to be removed from my credit profile. I have a letter where the XXXX XXXX XXXX has sent the deletion request to the credit reporting agencies. I also placed a dispute on XX/XX/2019 to have the item removed. The item is still showing as a collection item on my credit profile.
Product: Checking or savings account

On XXXX I filed a formal complaint with the CFPB. The complaint number was XXXX. On XXXX Bank of America submitted their formal response. In the last paragraph of their official response, they reference a letter that was dated XX/XX/2022, and was allegedly mailed to me at that time. I never received any such letter. 

On XX/XX/2022, I called XXXX XXXX, my relationship manager. I asked him to please retrieve a copy of the XX/XX/2022 letter, and send it to me. On XX/XX/2022, I sent XXXX a follow-up email, which also contained a copy of the Bank of America official response, with the highlighted statement referencing the XX/XX/2022 letter. On XX/XX/2022, XXXX replied to my email, acknowledging receipt, and stated that he would keep me updated on his progress. On XX/XX/2022, I received a call from XXXX XXXX. He introduced himself as my new relationship manager. In that conversation, I briefed him about my previous complaint, and the elusive letter. I asked for his assistance in obtaining a copy. Later that day, I received an email from XXXX, letting me know that he escalated my request. He also gave me the case number of XXXX. 

On XX/XX/2022, I sent an email to XXXX, asking for a status update. On XX/XX/2022, XXXX responded to my email, informing me that he sent a request for a copy of the letter, and that he would follow up with me by Friday. On Saturday, XX/XX/2022, XXXX sent me an email, stating that as of Thursday, he did not have an update. On Monday, XX/XX/2022, XXXX sent an email to me, stating the reason I never received the letter. THERE WAS NO LETTER! His explanation why, was unacceptable, given the specific reference to the letter, in the Bank of America official response to the CFPB complaint. XXXX also stated " he had a call into another area of the bank, to see if there was another platform that had not been reviewed. '' On XXXX, I sent an email to XXXX, as I never received any additional information. I let him know that it is very suspicious that a copy of this letter, dated XX/XX/2022, can not be provided to me. I also let him know that his last response was disappointing, and extremely disingenuous, given the very explicit response that was given to the CFPB. 

I am more than disappointed and confused, as to why Bank of America is treating me this way. I am a minority, small business owner, and this treatment reeks of discrimination. My reputation, which is critical in my industry, was harmed, as a result of a bank error, all which could be remediated by the letter I requested. 

I am restating my request, that a copy of the letter be emailed and sent to my business address, via traceable mail. Please find attached a copy of all of the email communications that I reference in my complaint. I have also attached a copy of the Bank of America response, to my complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

Chrysler Capital is reporting my payments as late even though the lease was closed out and the balance is XXXX
Product: Credit reporting or other personal consumer reports

i sent equifax, XXXX and XXXX a letter letting them know that the accounts they are reporting are inaccurate closed and past the statue of limitations and to send me a copy and validate the debts can you please help i dont know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$400.00}
Product: Debt collection

I Contacted original creditors XXXX XXXX XXXX and supplied them with evidence of having medical insurance at time of service. And closed acct. This debt collector has yet to close this acct with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely baffled and puzzled about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Experian has not been act in accordance with the Fair Credit Reporting Act. I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a collection on report XX/XX/21. I have mailed and uploaded verification to Transunion that this account was paid in full prior to XXXX sending the incorrect information to XXXX and XXXX for collection. After XXXX and XXXX investigated this, they agreed to remove the account. Transunion has not taken this account off my credit report. I've shown the payment, my credit card statements, as well as my cfpb complaint stating they will withdraw this from my credit report. My other credit reports were updated and removed the account. Transunion will not allow me to submit a dispute on their website any longer so I went through a 3rd party and it still hasn't been updated.
Product: Mortgage

Back in XX/XX/2021 I started looking for a reverse mortgage and was proceeding with XXXX. I then found Lonbridge Financial whos said they would be way quicker and easier to deal with I foolishly believed their sale pitch. I provided all financial information they requested and they provided a Reverse Mortgage preliminary offer. The property value was tight but on appraisal it cam out with {$30000.00} to spare. 
I submitted all documentation as requested in a timely manner. 
They did have an issue that as naturalized citizen much of me assets were still in the XXXX so at no little expense I transferred money to my XXXX XXXX  account in the sum they requested and was promised that having done that my loan would be able to proceed. 
They were fully aware that we were engaged in spend down so that my sick wife could go onto XXXX and that the funds raised were for the equipment see urgently needed. 
Out of the blue I get a call saying they did not wish to proceed. In the intervening period I think her credit card debt may have risen so all they need to to do was to explain this and ask me to close of dept of produce further funds. I should add that we both have credit ratings in the mid 700 's never mise any payment. The sales lady, who is equally frustrated, admitted that a member of staff had been sitting on our papers and they had not been forwarded in a timely manner. NOW this is despite their most senior underwriter confirming two weeks ago, she was at a conference at the time but still called me with the good news, that the loan was ready to go if I could show {$70000.00} in my US account this I did in 48hrs. Costing me a costing me a loss of nearly {$3000.00} and expense. 
If I knew I could not take them at their word and trust the verbal contract I would not have proceed. 
In my opinion the sales department oversells there capacity to deliver. 
They are very inefficient once things move to their back office, I was told they did have staffing issues and getting up to speed. 
Communication is poor. I have called many time once the money was deposited and she said the she had been told that she was told in the past if they did not contact promptly all was ok. 
VERY VERY DISAPPOINTED!!!!!