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

F A C T-Experian does not allow me to add the TRUTH- Never late! Negative due to XXXX XXXX XXXX. ich was originally posted years ago and subsequently removed by them. Now I ask how can anyone believe what they claim? Yes even with their so called add additional information they do NOT allow it. WOW. We certainty know what they do by their works. In fact this is XXXX say one thing but actually deney comments due to their own perception even when the bank reports incorrectly as their report has been for years and is even now! Need I point out continually the wrong info?
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is violating my consumer rights by providing false information about late payments to the credit bureaus. I have been a victim of identity theft, and when my wallet was stolen the crook also hacked my email addresses and forwarded my Postal Mail. I never received any statements from Discover in XX/XX/XXXXat all. After figuring out that my automatic payment was not going through and after not seeing a statement. I called Discover in XX/XX/XXXXto advise them I had not received any bills and what was going on. Discover reported late payments because of this even though I never received bills. Once I learned what happened I paid it right away. Discover originally told me they would remove these late payments. Which they did, however they did not remove them from my credit reports. Once I called today to ask them why and explain again, the person named XXXX told me they dont have to remove this inaccurate information and that they could send me a statement now months later. He also told me he doesnt care if Im a victim or not, then tried to falsely say I called discover in XX/XX/XXXX. When I asked for proof, knowing I never called them he said they couldnt give me proof that its internal only. Which is more lies. Discover is violating the FCRA. Please review this CFPB.
Product: Checking or savings account

I opened a Robinhood account on XX/XX/XXXX. My account was restricted on XX/XX/XXXX for some undisclosed reason. Cant buy or trade stocks or crypto. Can not withdraw money out of the platform! 

Their process to clear up the restriction is utterly negligent. You can not call anyone. You must request a call. They may call you in 5 hours or 5 days. No heads up. If you miss the call you must request another call and on and on it goes If you do happen to be at your phone when they call you, they put you on hold for sometimes hours because someone isnt actually ready. Then if you do get a hold of someone they ask you security questions that have nothing to do with security like did someone refer you to your trading platform. 

Then they say someone will review with no substantial information at all about anything. Then it doesnt get resolved and you have to go back through the call queue. Today I got on the phone with them a second time and they said they have my call information from before but they need to ask all the same exact irrelevant questions again. 

Its as if this whole process is designed to keep your money for as long as possible.
Product: Credit card or prepaid card

I had an XXXX rewards credit card, managed by XXXX XXXXXXXX XXXX, which was set to expire in late 2022. 

Without my knowledge XXXX transferred their provider bank to First National Bank of Omaha ( FNBO ), which issued a new card which was not set to expire in XXXX sent it to an address at which i no longer resided and started accepting charges against that card without my having activated or even ever seen it or knowing that i now had a relationship with FNBO. 

I was under the assumption that my card would expire and charges against it would cease, not that a financial institution i had signed no contract with would accept charges on my behalf and start trying to collect on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : DEPT OF EDXXXX XXXX  Balance {$12000.00} Opened XXXX. XXXX, 2017 - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with XXXX XXXX to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a Bull City Financial from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.
Product: Vehicle loan or lease

I relocated to XXXX GA in XXXX. I alerted CarMax of all of my current and updated addresses as per our agreement. 

My vehicle was repossessed between XXXX and XX/XX/XXXX due to me losing my job and not being able to keep up with payments for 4 months. 

It is now XX/XX/XXXX and I have reached out to CarMax to take care and settle my account. The cover page from CarMax is addressed to a XXXX XXXX and not myself. 

I have now received " copies '' of CarMax 's intent to sell that was originally sent to an incorrect address on XX/XX/XXXX. This certified mailing has a status of : Returned to Original Sender. 
I did not receive this communication. 

I have now received a " copy '' of CarMax 's intent to sell dated XX/XX/XXXX via NON certified mailing. I did not receive this letter as it was sent to the incorrect address. 

I have now also received a " copy '' of CarMax 's alleged Calculation of Deficiency which has an exorbitant 95 % additional costs compared to the stated aggregate amount owed after deducting the proceeds of the sale. This notice also states that CarMax is charging additional " finance charge or interest '' that is being added to the balance. 

I did not receive any communication pertaining to the repossession of my vehicle, prior or immediately after its repossession. 

CarMax 's lack of attention to detail coupled with their lack of due diligence has hindered me from obtaining credit. 

During this time of COVID19 it is imperative that CarMax fixes their broken system to ensure that accurate information is referenced when dealing with their consumers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. RXXXX XXXX XXXX This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT SYSTEMS # XXXX
Product: Mortgage

Mortgage was transferred. 
The monies did not match up. 
Missing payments. 
Missing escrow. 
Amounts changed since the change Called multiple times over once a month since XXXX XXXX homes transferred to : Arvest mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX
Product: Checking or savings account

Wells Fargo sing XXXX  has been charging me fees for Atms that I was not supposed to be charged and overdrafts fees when money was in savings able to be transferred over to checking to cover and was not done
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ... ... ... .has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX credit another for XXXX XXXX  someone had a XXXX XXXX  on my experian account
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a cash deposit into my checking account at an ATM. Within a minute, I transferred that money to my credit card as a cash payment. On XX/XX/2019, I made a cash payment on my credit card, through a B of A teller at a branch near my home. The teller accepted the payment in the amount of {$230.00}. The teller did not communicate with me about the payment, other than to take it and apply it to my credit card. I know this teller, and I know other people at this branch. 
On the next day, XX/XX/2019, I made another cash payment on my credit card, this time in the amount of {$260.00}. Again, there was no notification given to me other than the cash payment to my credit card was accepted. 
For some reason, my XX/XX/2019 payment was reversed without my authorization and my XX/XX/2019 and my XX/XX/2019 cash payments were placed on hold for 5 business days. No reason for the holds were ever given and no notice was ever provided to me at the time of payment that the cash payments would be held for 5 business days. 
Without any commercial reason or notification, Bank of America revoked my credit on this card on XX/XX/2019. The credit card remains closed. 
On numerous times and dates, I spoke with various members of Bank of America, asking someone to explain to me why the credit was revoked and Bank of America closed my card without notice on XX/XX/2019. 
On XX/XX/2019, I finally got in touch with a person in the department that revokes credit. That person, XXXX, in the Maine office ( the only office Bank of America has in Maine ) stated that he did not know why the cash payments were held, why the payment on XX/XX/2019 was reversed or why a review of my account was done on XX/XX/2019. He stated a credit bureau report was pulled on XX/XX/2019, without my knowledge and as a result of that action, the credit was revoked that date.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, My mother found a home listing from a company named XXXX XXXX for a home in my area. We spoke with the landlord of the place and he was on the phone with me for hours guiding me through a tour of the home virtually. he talked me through how to sign up for a company named XXXX and told me that he just wanted someone that would take care of his home since he travels in and out of the states. He told me the deposit is {$500.00} and then i pay {$1300.00} for the first months rent and that makes the rent for XXXX free. He said we pay through chime because we have to have a signed lease and deposit before we can gain access to the resident portal for monthly rent payments. 

We were sent the lease via email and signed it. The landlord also sent me a copy of his ID and said he would meet me at the property at XXXX to give me a receipt and the keys. He called XXXX XXXX and then proceeded to tell me i had to pay a {$250.00} administration fee before he could have me in the system. After it was paid the call randomly ended and he text me saying " Im on my way to the property '' and never showed up. I waited for hours in my car with my XXXX year old for him to show and he did not. Both numbers he called and text from had been disconnected. 

After this happened I realized I was scammed. My mother who was there with me the whole time called XXXX XXXX and I called the police. An agent from XXXX XXXX made my mom aware that we are victims of a scam and that they are unaware of who the guy is that said he was the landlord. They reported the scam and told me to have my bank call their treasury department. 

I filed a police report and called chime to dispute the transfer transactions that were made with all evidence I had including text messages, screenshots, a copy of the fake lease, The Id the guy sent me, the emails, the phone numbers used and offered written statements by 2 witnesses, and an email given to me by XXXX XXXX so they can provide information proving the leaser is invalid and i was scammed. 

Chime Denied my dispute and refused to give me and reason why. Two of their agents hung up on me when i was asking for my claim to be appealed and reopened. They showed no sympathy and sent me a second denial letter in my email. My dispute decision was made within 2 days. No proper investigation was done and i don't believe My supporting documents were evaluated properly. I should not have been denied. I have all the evidence they need and more. Chime did not support me or carefully investigate. I lost {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the XXXX data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.
Product: Debt collection

Mercedes Benz Financial Services continues to call and send me threaten mailings of seizure of my personal vehicle for this alleged debt. The contract that is the note that is being held by Mercedes Benz Financial Services is being used to raise capital. The equity that the note has made belongs to me since this is my financial asset and I have highest claim. Lawfully Mercedes Benz Financial Services should apply any interest to settle the allege balance due and return any over payment or they have engaged in securities fraud and I would like the CFPB to forward this report to the SEC to investigate my claims further. The Federal reserve Act prohibits banks from using anything other than notes, drafts, bill, and other negotiable instruments for repayment of notes. Mercedes Benz Financial Service requiring me to pledge my private vehicle was misleading and fraudulent when they issued me this contract they were banking on me defaulting so they could take the goods and continue to trade on the note they do not have possession of because they have sold it for profits.
Product: Credit reporting or other personal consumer reports

I am writing to request clarification regarding a concerning issue with my credit report. As a current student, I believe that my student loan which should be in deferment status, in accordance with the applicable laws and guidelines. However, I have noticed that this loan has been consistently having a negative impact on my credit score as reported by Equifax. I am seeking an explanation as to why my student loan, which should be in deferment status, continues to negatively affect my credit report. It is my understanding that according to the law, a student loan in deferment should not have an adverse impact on one 's credit score. I would like to request a detailed explanation as to why this issue is occurring and how it can be rectified. Additionally, I am eager to receive guidance on the steps I can take to ensure that my credit report accurately reflects the deferment status of my student loan, as mandated by the relevant regulations. I appreciate your prompt attention to this matter and look forward to your timely response. 

Reporting INFO : Between XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX your DEPT OF ED/XXXX student loan account balance increased by {$120.00} from {$24000.00} to {$24000.00}. 

It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can.