23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XXXX had done a recall on their treads. I had purchased mine and financed through Affirn which was paid off in full and early ( XX/XX/2020 ). My bank account details have not changed but since the account was paid off more than 180 days ago they refuse to send my refund through ACH deposit and will only issue a check which can take 21 business days. I am moving out of state and shared both my current and future address with several people at Affirm. My address wasnt updated and I am afraid my refund check will be lost in the mail and its almost {$5000.00}. I asked them to refund through ACH deposit and they wont. No one can give me a straight answer at Affirm.
Product: Credit reporting or other personal consumer reports

A late payment was reported by XXXX XXXX to my XXXX and XXXX credit report on XXXX XXXX. I was never late on any payment with XXXX XXXX off the life of the account. I am an Authorized User on the XXXX. I would like for the late payment to be removed. 

Thank you,
Product: Mortgage

I requested my loan payoff because i was selling my home. I have just come out of chapter XXXX. When i got the loan payoff the title company had an extra XXXX dollars that was sent from US bank to title and not me saying I owed that amount. When I checked to see how they came up with the amount when I only did a forbearance for XXXX months. They started to say, it was interest fees, escrow and other fees, my mortgage was only XXXX dollars at the time of forbearance, I requested a copy of that breakdown as was denied. Us Bank representative said its only for underwriting and they can only tell me but not give it to me in writing. Some of those fees i believe came from my XXXX XXXX  which my judgement is satisfied... The agreement was verbally that US bank would piu the XXXX mortgages at the end of the loan and i would pay it off when the house is paid off or when it is sold. It just so happened that i was selling the house in 9 months. I believe that some transactions occurred that are against regulations. the account number is XXXX. I did the forbearance after my chapter XXXX in XX/XX/2022. I have struggled with US Bank trying to take my home for XXXX years. Not sure why they tacked on all this interest.
Product: Debt collection

On my credit report there is a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them nor any of there affiliates
Product: Debt collection

XXXX : I informed TD Bank in writing that they should close my ( business ) account and I would be initiating a transfer of all of my cash out within the next week ... ... XXXX : Transferred all cash from TD Bank to an external account|Account balance : {$0.00} ... ... XXXX : TD Bank processed and rejected a bill-pay charge for the amount of XXXX as the account balance was XXXX XXXXTD Bank added two charges to the account., a {$35.00} overdraft fee to the account due to the above payment rejection. a {$20.00} maintenance fee.|Account balance : - {$55.00} ... ... XXXX : TD Bank processed and rejected the same charge ( XXXX ) ... ... XXXX : TD Bank added earned interest ( XXXX XXXX ) to the account.|Account balance : - {$49.00} ... ... XXXX : TD Bank processed nd rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$84.00} ... ... XXXX : TD Bank processed and rejected the same charge ( XXXX XXXX and added an additional {$35.00} overdraft fee.|Account balance : - {$110.00} ... ... XXXX : TD Bank adds {$15.00} maintenance fee.|Account balance : - {$130.00} XXXX XXXX XXXX : XXXX Bank adds {$15.00} maintenance fee.|Account balance : - {$140.00} ... ... XXXX XXXX TD Bank submits {$140.00} bill to collections, closes account.
Product: Debt collection

I did not authorize these accounts to be opened, they are fraudulent. I want them to be deleted.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXXXXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Money transfer, virtual currency, or money service

I opened an account in XXXX of 2020 With current online banking I had money in my savings pod and my account was randomly suspended within the same month with no explanation at least 400 $ i contacted customer support via email numerous times and have gotten no response it is now XXXX Ive only received an automated email stating someone from the support team will beach out to me and no one has
Product: Credit reporting, credit repair services, or other personal consumer reports

One credit bureaus saying account is closed which are split to multiple different accounts for student loans. XXXX  doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on equifax and XXXX. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.
Product: Credit card

I went to use my credit card after putting money onto the account ( XXXX $ ) the card was declined twice. I contacted capital one, which took forever to get anyone. I then explained what had happened and they told me my card was locked due to some security concern that made no sense so I verified my identity, they then explained my card was locked as they couldn't verify my debit card is my own ( it's the only card I use so that made no sense. ) So I verified the card belongs to me then all of a sudden the charges didn't match up. ( Which capital one explained to me that due to how they charge the charges were separated on cashapps side but still did match. Overall I want my credit card closed and my deposit back. And I would like capital one to cease and desist adding late payments to my account. And to return my account to what was owed when I requested my account be closed and my security deposit back the first time. I believe was XXXX $ or so.
Product: Credit reporting or other personal consumer reports

Is 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 FAIR COLLECTIONS AND 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 I have a right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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, 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

Bank of America dispute claim # XXXX. XXXX refuses refund for XXXX received item. Enclosed are the faxed documents received today by Bank of America, but amazingly are not acknowledged, likely due to the bias this bank is showing XXXX. The dispute dept. phone rep referenced a " non renege '' clause entitling the company to a 45 day delay on processing my {$72.00} debit card refund or at least a credit by this bank when my documents prove I returned the defective car part in damaged box that never should have been sold, which is why XXXX won't take back previous customer return. Tracking # XXXX XXXX. These documents are available to upload to ANY government agency I deem fit. I deserve an immediate permanent credit or the bias is clear. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, XXXX   and Equifax credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
Product: Checking or savings account

Synchrony bank has not issued a monthly statement for my account for the time period of XX/XX/2023. Synchrony has always posted a monthly statement on the XXXX of each month. Today is XX/XX/2023 and still no statement. I called Synchrony bank and associate told me that they are aware of the missing statement but could not give a date of when it will post.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

Date paid was XX/XX/2016 by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information being reported on my credit reports with Experian and XXXX. Upon reviewing my credit reports, I have identified several inaccuracies related to the fraud accounts from XXXX XXXX XXXX, which are not in compliance with XXXX XXXX guidelines and are in violation of the Fair Credit Reporting Act ( FCRA ). 
Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$16000.00} Current Balance : {$18000.00} Status : Account charged off. {$16000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate! 
Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$25000.00} Current Balance : {$26000.00} Status : XXXX XXXX XXXX. {$23000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXXXX/XX/year> PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX  YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer.

A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.
Product: Debt collection

On XX/XX/XXXXI recieved a notificaiton from my credit report. Midwest Recovery Systems reported to my credit report on XX/XX/XXXX stating I owed them {$480.00}. I have never heard of this company nor the company they are collecting for. I have researched their name and have read multiple reports that this company is a scam. I have also researched the name of the company they are collecting for and they do not have any record of being in the state of Utah. I have not contacted them due to not having sufficent information or a letter/notification stating that debt was due. I am afriad to contact them due to identity theft which may be a possibility.
Product: Credit card or prepaid card

I hold a Bank of America ( " B of A '' ) Credit Card, and I want to inform the CFBP/regulators of what appears to be an unfair business practice regarding their autopay service. 

I paid the balance of my B of A card on XX/XX/XXXX. The payment resulted in a credit to my card account ( overpayment ). Because the balance was paid, I cancelled the autopay service on XX/XX/XXXX ( according to B of A records- they confirmed it was cancelled ). 

Today ( XX/XX/XXXX ), I received an email notifying me of a pending payment transaction of {$300.00} to be drawn from my checking account. I called the Bank, and the Representative ultimately informed me that nothing could be done- the payment would be drawn from the account despite the credit balance and cancellation of the autopay service. They initially claimed that the autopay was not cancelled, then corrected their statement with my persistence. They claimed that 5 day notice was required, and when I told them I did provide five days, they revised their response to 5 business days. 

However, the B of A Statement I receive states the following in the " Payments '' Section : " If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur. '' I believe this is an unfair business practice - taking payments from customers where there is no debt to pay, and shifting / inconsistent responses regarding a deadline to cancel autopay that conflicts with their own documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

I want accounts to be removed from my report for failure to properly investigate them after multiple attempts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since completion of my XXXX XXXXXXXX Bankruptcy ( ended XX/XX/2022 ), Nationstar / Mr. Cooper has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached a current copy of my Mr. Cooper Mortgage statement which is not being reported
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i received a credit card from XXXX XXXXthat i did not apply for that was when i was aware someone was using my social security to apply to credit card companies. I did report and the police and filed a police report. I am still waiting on the police report it currently still pending on my end. I did speak to the credit card compies that they applied form informing is was not me. I notice the inquiry are still in my XXXX credit report. 
XXXX XX/XX/2024 JPMCB CARD XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX SSN : XXXX and my complaint is against XXXX  XXXX, account open XX/XX/2015 date closed XX/XX/2015, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that XXXX  has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of XXXX  negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against XXXX  or whoever their mother company is. Im also including on this complaint XXXX XXXX , XXXX because in the report in XXXX  information the address they have is from the mentioned company. An Im also including Transunion because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. Thank you!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed over 32 inquiries that I did not authorize on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EXPERIAN has been reporting incorrect information on my credit report for XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EXPERIAN regarding the XXXX XXXX account, which was received by the EXPERIAN on XX/XX/2018. On XX/XX/2018, EXPERIAN responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EXPERIAN that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EXPERIAN has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Debt collection

I received a voicemail on my XXXX voice line from XXXX XXXX leaving identifiable information about my debt. They said on the voicemail that it was file in his office with the file number and who the original creditor is. 

Then he called me on my main cell phone number. I answered and it was XXXX XXXX. He was not rude, but did not identify that he was with a collection agency, or even give the disclaimer " This is an attempt to collect a debt, any information obtained will be used for that purpose. '' He went full throttle into talking about the debt. I contested verbally over the phone the validity of the debt. They ignored that my valid balance was {$100.00}. He only wanted to discuss what XXXX XXXX XXXX sent over to him. I told him that my balance got down to {$100.00} and XXXX/XXXX  tacked on a lot of fees to keep my balance high and this was not the first time they did this. I told him that I would settle for {$100.00}, he said he could not do that and then passed me off his supervisor who was quite rude and condescending. I told XXXX before I was passed off without notice that XXXX is still dinging my credit as of two days ago. He said they should not be doing that, but he did not seem concerned. 

I reminded the supervisor that he was in violation of the FDCPA, but did not tell him that what violation, just that I had been a debt collector for 18 years, and I am very well versed in the FDCPA. He said that the most he was allowed to give was 25 % discount. I told him that they bought the debt for pennies on the dollar and by offering this tiny discount was a farce, because they could offer more. He got really rude and refused to listen to a thing had to say and hung up. 

I want these violations addressed and fixed. These individuals have no training in the FDCPA or they act as if the FDCPA does not pertain to them. I have the recording of this call if needed to verify my claims. I am in a one party state.