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

Upon reviewing my updates, incorrect information was found in my report. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX  1ST-Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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,
Product: Credit card or prepaid card

XX/XX/XXXX, I received an email from XXXX XXXX XXXX indicating that the promotional period from a balance transfer ( {$1200.00} ) would end in 90 days (XX/XX/XXXX ). During the next payment cycle ( XX/XX/XXXX ), I made three payments ( {$110.00}, {$300.00}, {$400.00} ) in just over a week 's period. When I checked the status of my account to check on the progress of paying back the promotional amount. Only a small amount of my payment ( {$92.00} ) was applied to the promotional balance for the first two payments total of {$410.00}. When I noticed, very little change to my outstanding promotional balance, I called customer service at Bank of America ( today,XX/XX/XXXX ) to determine what the issue was about applying my additional payments to the promotional balance ending in early XX/XX/XXXX. I was told that because have a balance in addition to the promotional balance that I can not direct payment to the promotional balance and they will not pay the promotional balance ( except for a nominal minimum ) until my other balance is paid completely. They reiterated that the highest balances are paid first and since I have a promotional balance of 0 % that wo n't have payments applied other than the minimum payment amounts until my other balance is paid. They suggested that wait until after XX/XX/XXXX after my promotional period has expired. At this point, the promotional balance has a non-payoff penalty APR ( 19.99  % ) that is higher than my standard APR ( 9.99 % ). At that point, payments I make ( with the exception of a minimum balance to the lower APR ) will go towards what was my promotional amount. It will also cause me to incur any deferred interest, which I imagine will be added to the principal amount at the higher APR. What is even more frustrating than these predatory practices, that this credit card is labeled as socially responsible and ethical -- this is a working assets credit card. After I was told that I could not apply any of my additional payments, I cancelled the extra payment I made today ( {$400.00}, XX/XX/XXXX ) and had them return the additional payment I made on XX/XX/XXXX ( {$300.00} ). Very disappointed in XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency Number:XXXX
Product: Debt collection

Us banktrust association along with their attorney XXXX XXXX XXXX from the XXXX XXXX XXXX XXXXXXXX and XXXX located at XXXX XXXX XXXX XXXX XXXX supposed to compensate me from damages that was done to my property and also compensate me for losses and emotional sress also the attoney put my name on the neirbhors paper work saying i live at the property and own it too i gooten eviction notices i went to XXXX XXXX civil court on XX/XX/year> to answer the complaint i explain to the judge that i was a vicyim of identy theif and the home o wer of the fourclouser property next door at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX XXXX name is XXXX XXXX that put my name on his paper work. The banks attorney nevefshow up they had someone ele showed up all they did was removed my information from the paperwork the other paper didnt belong to me. Also i told him about my bathroom being damange from the other proprtty he told me they will take care of it but never reach out to me or us bank to compensate me
Product: Mortgage

During the initial application the Agent NMLS # XXXX told me that the HELOC Loan would be for XXXX, I only asked for XXXX on my home valued at XXXX I told agent that we were paying off the HELOC on primary residence as well as the second home clearing all debt to the XXXX XXXX Home where my son lives. 

Agent seemed to be rushing the entire process ; I can only imagine to get her application numbers up ( Metrics ) I worked in financial industry before becoming XXXX so I knew something was amiss. 

When I got the paperwork the HELOC was for only XXXX and when I called I was told my DTI was too high ; it's at 37 % after I pay off both HELOCs, why I am doing this to lower my DTI as it affects my credit scores ( Currently above XXXX ).
Product: Vehicle loan or lease

I attempted to make a payment on Audi Financial Services ( VW Credits ) website on XX/XX/2020 at approximately XXXX EST. The website allowed me to log in, but would not allow me to actually make a payment. I attempted to call Audi FS immediately to make the payment with them, but their offices were closed. I wanted to speak with a representative to ensure that my payment was made successfully. 

The following morning morning, XX/XX/2020 I first tried to call Audi FS, but again their offices were closed yet again. I was able to make the payment online at XXXX EST. To my knowledge, my payment is due by the XXXX each month. On XX/XX/2020, the system informed me that my payment would be considered 31 days late, and as a result would be marked on my credit. The system was not able to take my payment, but was easily able to threaten me. 

I attempted to make a payment within my 30 grace period, but Audi FSs system prevented me from doing so. I contacted Audi FS customer support on XX/XX/2020, and was told that nothing could OR would be done, as it was not their policy to assist customers with this. The representative made it clear that the only was that I could attempt to reconcile this would be to dispute it with the credit bureaus. I was provided a form to do so. This non response is unacceptable. The company first wants harm to come to its customer, and only then can it attempted to be fixed. 

I have approximately two years of on time payments with Audi FS, and many other years with other lending companies. To be told that it was Audi FS policy to not assist customers was highly disappointing. In addition to contacting the XXXX, I have also reached out to the CFPB. 

I am requesting Audi FS backdate my payment a mere 9 hours to when I initially attempted to make my payment. This would accurately reflect my on time payments. I am extremely frustrated at Audi FSs response, and lack of concern of the sever damage this will do to my credit history. I understand that issues can arise, but it is absolutely unacceptable to blame a consumer for a system issue.
Product: Credit card or prepaid card

my paypal mastercard card. i went to use my card and i was declined. i talk to a sup name XXXX she was rude nasty and arumentative with me. IS THIS NOW YOU RUN YOUR COMPANY. I NEVER GOT A BILL. I WORK IN THE XXXX  AS A FRONT LINE EMPLOYEE I NEVER A A BILL FOR XXXX. I SPOKE TO XXXX SHE NEED TO BE FIRED AND WAY SHE TALKS TO PEOPLE.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPEN XX/XX/XXXX XXXX {$49000.00} has inaccurate and incorrect information. Experian is showing a date reported XXXX XXXX when XXXX is showing a date reported XX/XX/XXXX. This information is inconsistent. Please see attachments for verification. I would would like for this account to be removed from my credit report because it is not following the rules or guidelines for the consumer credit reporting.
Product: Credit reporting or other personal consumer reports

I HAVE 22 DISPUTES WITH TRANSUION AND THEY STILL DON'T TGET THE INFORMATION CORRECTED. 

XXXX XXXX IS CLOSED SAYS I AM CURRENTLY IN GOOD STANDING WITH MONTHLY PAYMENTS NO MONTHLY PAYMENT AMOUNT GIVEN SHOWING LATE PAYMENTS THAT ARE OUT BY TIME IF I WAS MAKING MONTHLY PAYMENTS WHY IS THE BALANCE STILL THE SAME AFTER 5 YEARS. AND THE BALANCE NEVER LOWERS WHY ISN'T THERE A MONTHLY PAYMENT AMOUNT GIVEN I CALLED XXXX AND THE GUY PUT ME ON HOLD LEFT ME THERE AND THEN HUNG UP ON ME. THESE CREDIT BUREAUS ARE PURPOSELY DESTROYING PEOPLES LIVES AND NEED TO BE SUED AND HELD ACCOUNTABLE FOR PROVIDE FALSE INFORMATION. 

THIS IS MY 24 TH DISPUTE AND EQUIFAX AND XXXX STILL CAN'T GET IT RIGHT! 

ACCOUNT IS CLOSED NOT MONTHLY PAYMENT LATE PAYMENTS OUT BY TIME AND NOT TRUE BALANCE NEVER CHANGES IF I WAS MAKING MONTHLY PAYMENTS YOU GUYS NEED TO QUIT LIEING AND PUTTING FALSE INFORMATION ON MY CREDIT REPORT AND TAKE THE BS OFF OF MY REPORT OR GET SUED. THE CREDITOR IS LYING TO YOU BUT YOU ARE TOO STUPID TO EVEN TO MAKE IT MAKE SENSE. THAT IS HOW I KNOW YOU ARE NOT PROPERLY INVESTING OR TELLING THE TRUTH
Product: Debt collection

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. Upon reviewing my credit history, I discovered unauthorized accounts opened in my name without my knowledge or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for {$120.00}, XXXX XXXXXXXX XXXX for {$37000.00}, and XXXX XXXX XXXX for {$330.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

An initial fraudulent credit inquiry was discovered from " CAPITAL ONE '' in XXXX XXXX XXXX. Most recently an additional fraudulent credit inquiry was highlighted on my credit report from " CAPITAL ONE '' on XX/XX/2022. I did not request nor authorize these inquiries. Upon creating an account with the credit bureau ( XXXX ), I noticed there were additional fraudulent inquiries that remained unreported on my credit file along with unrecognized phone numbers attached to my account.
Product: Debt collection

At XX/XX/2017, I switched insurance carriers from XXXX to XXXX on both of my cars. For some reason, XXXX kept charging me even though I was no longer with them. I recently discovered that XXXX XXXX has been reporting the debt as a collection on my credit reports, but there shouldn't be any debt to collect on. I have tried to dispute it to them ( CCS ) informing them that I was no longer insured with XXXX and shouldn't have been charged, but they just verified it as accurate and kept it on my credit reports.
Product: Mortgage

I purchased a home at XXXX XXXX XXXX, XXXX, NY XXXX in XXXX, taking out a mortgage with Chase. I have since refinanced the said mortgage twice through Chase with Home Equity Loans. At this time, I have sold the property. During the sale process, the title search came up with a lien on the property from the original mortgage that went back to XXXX. XXXX Date of the initial equity loan ) I need a lien release for that mortgage from Chase in order for the house sale to go through. In talking with Chase for two weeks, they have been unable to find any documentation whatsoever on said mortgage. It is quite obvious that there is no outstanding balance on this mortgage, as Chase has not come looking for me in 28 years. Chase will not return calls at this point.
Product: Credit card or prepaid card

Somebody applied for a credit card from Bank of America in my name. I did not apply. 

I called Bank of America and told them to cancel it as it is fraud.
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 Accounts 1. XXXX XXXX XXXX XXXX BALANCE SHOWN : {$7300.00} 2. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$11000.00} 3. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$4000.00} 4. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$3000.00} 5. XXXX XXXX  XXXX BALANCE SHOWN : {$3500.00} 6. XXXX XXXX  XXXX BALANCE SHOWN : {$2200.00} 7. XXXX XXXX. XXXXF XXXX BALANCE SHOWN : {$10000.00} 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

I have been using Cash App and my account has been charged multiple times on transactions that I did not make or authorize. 
The most recent being on : XX/XX/XXXX @ XXXX, in the amount of {$37.00} XX/XX/XXXX @ XXXX the amount of {$5.00} XX/XX/XXXX @ XXXX in the amount of {$5.00} XX/XX/XXXX @ XXXX in the amount of {$5.00} all being from " XXXX XXXX '' I reached out to Cash App Support several different times about this issue and they have done nothing. They wont even tell me and information on the merchant so that I cant try to contact them on this issue.
Product: Debt collection

SOURCE RECEIVABLES MNG. has been and is still constantly tarnishing my reputation, negatively effecting my business arrangements, and invading my privacy all through my consumer credit report. This is an ongoing battle in my life despite the fact that SOURCE RECEIVABLES MNG and I NEVER even had a contract ; I NEVER consented to do business with SOURCE RECEIVABLES MNG. Therefore, it is unlawful for SOURCE RECEIVABLES MNG. to collect on this alleged debt & that means they should have NEVER been able to have this type of crippling impact on my life. I have previously filed a complaint against XXXX XXXX XXXX, whom removed this SAME COLLECTION from my credit report with all 3 Credit Bureaus, and sold my information to SOURCE RECEIVABLES MNG, whom are currently listed on my credit report as a collection. XXXX XXXX XXXX, has since been REMOVED from my Credit Report. They responded by attaching an evidence of indebtedness with XXXX as the original creditor. I never gave consent for XXXX to sell or furnish any of my personal information! My life is at a halt right now because I am being oppressed by these criminal and fraudulent acts being executed by the two parties. These two parties are knowingly and willingly breaking laws and violating codes of the United States. XXXX knows that the alleged debt arising from this consumer credit transaction was paid in full in accordance with the law.. 16 cfr 433.1, 16 cfr 433.2.. In nexus with this account ( an account that should been in accordance with 12 cfr 1002.2 ( a ), I gave a negotiable instrument per UCC 3-104 ( b ) so for XXXX  to continue to try to collect further payment from me, the consumer and debtor, proceeding that is unlawful ; Them reporting negatively to other parties about me is unlawful ; Them calling me or my account " delinquent '' is them implicating that I, the consumer, did something disgraceful and is in turn, a violation of 15 usc 1692e ( 7 ). They know they are reporting false information ; 15 usc 1692e ( 8 ) .. For them to continuously use a false representation and deceptive mean to collect or attempt to collect any debt from a consumer is a blatant violation of 15 usc 1692e ( 10 ). A complaint has also been made with the FTC regarding this account and debt collectors.
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 XXXX  business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/23 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX was first complaint. 
Greensky is in a class action law suit over these occurances. 

I rec 'd a letter stating that they were correct, however, this was resolved on my wifes account and I have an actual letter stating that the balance was at XXXX  Not one payment was ever made over a discrepancy with the work that needed to be done. Even though they sent paperwork that we did pay some payments. Then we rec 'd XXXX balance letter from them. This should not be on my credit report. This is why they are in a class action law suit.
Product: Student loan

I submitted an inquiry on my online banking. Someone else received the email. The email it went to is in no way associated with my account. This person received an email with my name, address, loan number, and phone number. The person who received the email called to inform they received the email.
Product: Debt collection

I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,   XXXX   and  XXXX   XXXX  respectively. The attache d medical collections were instantly filed by Overton, Russell, Doerr & Donovan, a law firm located in the state of New  York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows :  1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.      2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the    right report any or all collections previously ordered paid.   In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  Overton Russell Doerr & Donovan for a continuous illegal collection practice ( s ) against  consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center  of Overton Russell Doerr & Donovan alo ng with a permanent injunction against same from this continuous abusive practice.
Product: Checking or savings account

Ive been trying to get an access code numerous times and I mean numerous times to verify my identity! This situation has put me into a bind im already about to lose my vehicle that I just purchased! I think that they are keeping my money XXXX I think that is unfair and I think its literally ridiculous how their representatives speak to people! when I open the account that was my verify phone number and all of a sudden they started declining my transactions declining my funds and literally ignoring my calls!! To where they would just hang up on me I think theres an active stupidity and ignorance and I hope that you guys can help with the situation and expedite my account to be open so I can use my funds! If this is not resolved I will be forced to close my account!