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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : -, XXXX  XXXX XXXX Balance : {$300.00},, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX Balance : -, XXXX  XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : -, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : XXXX Court : US BKPT CT GA XXXX, Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : US BKPT CT GA XXXX XXXX, Bankruptcy XXXX  XXXXdischargedFiled on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT GA XXXX, XXXX XXXX NA Inquired on XX/XX/XXXX,
Product: Credit card

Ref : Best Buy Visa, account XXXX On XX/XX/XXXX, someone made a purchase to my account for {$210.00}, I did not make this purchase. 
The next two statements from Best Buy credit card went to an old address and did not catch up with me until late XXXX. I did not change the address on my Best Buy account on a timely matter because the account balance was supposed to be XXXX. 
On XX/XX/XXXX, after noticing the problem, I called and disputed the charge of {$21000.00}, the fees of {$69.00}, and interest of {$12.00}. I was lead to believe that all would be removed from the account. 
On XX/XX/XXXX, a credit was issued for {$210.00} and on XX/XX/XXXX for {$58.00}. Those statements clearly stated that I was not required to pay disputed amount, incl interest & fees until dispute was investigated and settled. However, it was never explained that I would have to pay the statement balance to stop future fees and interest. A practice not done by my other credit cards such as Citi Mastercard and XXXX XXXX. 
Records will show I called Best Buy Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to correct the issue. I was always lead to believe that the fees and interest would eventually be credited and to disregard the Best Buy statements. You can confirm this by listening to the voice recording. 
It was not until XX/XX/XXXX, that someone explained that I had to pay the total balance for fees and interest to stop. I paid the full amount on that date and submitted a new fraud dispute. 
Let me know if you need any further information. 

Regards, XXXX XXXX
Product: Credit card

I reached out to a company called UPGRADE to change my auto debit from one bank to another. I was told to take a picture of myself with a note on it stating the following. Loan/account number of credit card account. With the credit limit hand written, current interest rate and type of product I have with the company. I was also told to take a picture of the front and back of my driver license so they could verify that it was me asking for the change. They did not offer to request information via any secure channel. I wrote in an email back to them. This is unusable and I am concerned that my ID information is now out there for anyone to intercept and steel. This appears to be a consumer privacy issue. I have the email and the pictures I sent to them to make the change. I, also requested my account to be closed and I would continue to make payments until the balance was paid in full. This risky behavior has made me decide not to do business with them any longer.
Product: Checking or savings account

They keep saying am overdrawn even if there's money in my account always XXXX overdrafts that do not get put back on. Refunds issued that I do not ever see. Bills I pay get rejected. My info never is correct no matter how many appointments I make with there bankers. Online banking has my info I call they say they don't. They owe me so much money. They just take and take. Am so much in the red. Help us that bank at bank of America now closing all our banks in XXXX WA without giving us our money back
Product: Mortgage

In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX PARTICIPATING IN IDENTITY THEFT XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against EXPERIAN, XXXX  AND XXXX  in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, XXXX  AND EXPERIAN are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the XXXX time I have made specific demands against this felonious organization to remove such information from my XXXX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have XXXX collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, I-XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several time through mail and phone customer services to correct an invalid and erroneous information in credit report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX. XXXX XXXX. 
Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.
Product: Credit card

I was told my purchase would qualify for a 24 month no interest promotion if I signed paperwork that day. I did. The terms were going to expire shortly after. When the payment request came up, the terms were not honored that i had signed up for. I insisted on documentiopn in writing that they would honor the terms. They hesitated at first, but I did written documentation that they would honor the promotion. I was then told that when I paid, it would be set up at 6 months no interest and the store manage would change the terms himself with the powers that be. They informed me it may take XXXX or XXXX billing cycles to change to the honor terms. When it was not reflected on the XXXX cycle, I checked again and asked for the terms to be honored. They said they would check and get back with me, and I never heard from them again. I have just received my third billing statement, and the terms are still 6 months instead of 24, and now I'm realizing I was scammed, and will have to pay a {$5000.00} bill in the next 3 months, or have to pay a 30 % store interest rate. This company lied to me, and took advantage of me, and I have written proof that they would honor this promotion, and they just aren't. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to XXXX XXXX XXXX ( XXXX ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 


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
Product: Debt collection

I am requesting the verification of a negative item to show your lawful authority to collect on an alleged debt claim.
Product: Credit reporting or other personal consumer reports

This company, Absolute Resolutions is continuously reporting inaccurate, unverified and mismatched data across all 3 of my consumer credit reports. In this latest example as you can see in the attached documentation, they are reporting the date of last activity on my XXXX report as XX/XX/XXXX. My XXXX report with a date of last activity as XX/XX/XXXX, and my XXXX report with a date of last activity as XX/XX/XXXX. If the information was accurate, why is it reporting three different dates to include a date just a few days ago?

Date of last activity can only be changed or updated for the following reasons. 1. The consumer makes a payment. 2. The consumer misses a payment. 3. The balance of the account INCREASES. NONE of which occurred on this alleged " CHARGE OFF ACCOUNT '' that they are reporting as a " '' COLLECTION ACCOUNT ''. The company failed and continues to fail and adhere to following the guidelines, standards and laws when it comes to the FCRA and Federal Laws pertaining to debt collections and reporting. See the attached documentation showing the inaccurate, mismatched, and different information across all three credit bureaus.
Product: Debt collection

AMSHER COLLECTION SERVICES ; DATE ASSIGNED : X/X/2013 ; ORIGINAL AMOUNT OWED : {$190.00} ; AMOUNT NOW OWED : {$180.00}. This is showing up on my credit report as a collections issue.
Product: Money transfers

Funds were sent from my Venmo account erroneously to a user that I have never met and they refused to send the money back to me. I raised this issue with Venmo and they offered no support at this point I took matters into my own hands and stopped the payments through my bank ( ON PURPOSE ). Then I received an email from venmo saying " Do n't worry we transferred the funds to the other user '' and now your account is frozen until you settle the debt with us. These funds were purposely stopped by my bank at my request. I will not pay Venmo this disputed amount as I wanted to stop these payments. They have now frozen my account and will not let me delete my account thus holding me hostage. This is absolutely ridiculous. I would like my account deleted and will not be resolving this so called debt as I specifically stopped these payments ON PURPOSE. 
The fact that they will not unfreeze and let me delete my account has me feeling hostaged and trapped.
Product: Mortgage

I am writing a complaint about my mortgage company ditech, I was billed XXXX which was grossly incorrect, so I contacted them. While doing so I encountered a representative that treated me with a discriminatory tone because I am a recipient of assistance with my mortgage. My payments are divided into a percentage that I pay and the remaining is paid by a subsidy. I have not had any issues with my previous mortgage company regarding my payments, but this is the second such incident I have encoutered with my current one. The call I am referring to took place on XXXX XXXX, 2016 at between XXXX XXXX and XXXX XXXX and is recorded by the mortgage company. I was given XXXX different amounts owed during the call and finally the customer service representative said that after running the numbers she could not see where I owed the amounts stated but that it was about {$130.00}. She said she would have to get with her supervisor before she could say for sure. I was told that it was the fact that I get assistance that my statements are n't accurate and that I should n't go by my statements. I asked what other method could I go by to determine my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.
Product: Credit card or prepaid card

I pay a hefty annual fee for the " benefits '' offered on my XXXX XXXX Amex card, notably the extended warranty offer. However when trying to utilize the feature, the company process does not even allow me to upload the docs they require, after hours on the phone and repeated calls to get resolution I am finally contacting you. I have been hung up on, told repeatedly to use a link that will not work, even told to upload to a 3rd party fax service putting my financial info at risk ( that did not work either ). They advertise these features for having the card with an annual fee, however when you go to use them they dont work and the support to help is pathetic, almost as if they want to discourage you from trying to use the feature.
Product: Consumer Loan

A vehicle that I co-sgined for was repossed around XX/XX/XXXX, and when I found out I contacted Capital One Auto to find out what I needed to do regarding the matter. I was contacted once by Captial One in XX/XX/XXXX to tell me that they were making arrangements to obtain the vehicle and that I would be able to receive additional information once they obtained possession of the vehicle. I never received any more information regarding this matter until I received a letter from a XXXX collections Agency in XX/XX/XXXX stating that I owed them {$8000.00}. I immediately contacted them because I was not even aware that the vehicle was sold, so I sent them a letter asking for an explanation of how they came up with this amount because I was not informed that the vehicle was sold, how much it was sold for or the date and time of when it was sold. I have not heard from XXXX since that time. I filed a complaint through XXXX XXXX XX/XX/XXXX because of the negative inquiry on my Equifax report and was told that Equifax and Capital One Auto would contact me to do a conference call. On XX/XX/XXXX I received a call from XXXX of XXXX and XXXX XXXX of Capital One Auto. XXXX XXXX told me that Capital One did not have to notify me of a private sale of the vehicle. I asked about the law that states that a consumer is to be notified in writing about the date, time and location of a sale to afford the consumer to either buy back the vehicle or in my case, have someone else purchase the vehilce. She again stated that for private sales, this is not the case and that there is nothing that I can so. XXXX of XXXX, did not ask any questions so I was confused why we had a conference call set-up. I again asked so the laws regarding this does not pertain to Capital One and she said that is correct. I am reaching out to see if there is any other avenues that I can pursue because I thought state and federal laws were binding but and being told that they are not. 

Thank you kindly for any advice that you may be able to provide me.
Product: Credit reporting or other personal consumer reports

I request that you promptly block and eliminate the false accounts reported on my credit report. This action is urgent to prevent further harm to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, XXXX  reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like XXXX  to remove these late payment reports. If they are unwilling to do so, I would like XXXX  to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the XXXX account and the dispute resolution, and two printouts from bank statements showing the payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate. ( XXXX XXXX and XXXX XXXX XXXX ).
Product: Credit reporting

I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet XXXX and Transunion have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
Product: Vehicle loan or lease

I have had a loan with Hyundai Motor Finance for several years. It is a fixed rate closed end fully amortized loan without prepayment penalty, On XX/XX/XXXX I was involved in an accident. Today my insurance company declared the car a total loss, so I will need to pay off my loan balance. I spoke with several supervisors at Hyundai who all insist that my payoff is {$7200.00}. The problem is, if I keep my loan through the 17 months remaining I will have paid out {$7200.00} ( XXXX monthly ), including principal and interest at 9 %. Clearly their payoff calculation can not be correct as it is even higher than total payments! 
They are unwilling to adjust the figure to my principal balance remaining,
Product: Student loan

Im having issues with paying back my loans XXXX of the schools I attended wasnt accredited.. XXXX XXXX wasnt accredited and they messed up my financial aide. XXXX sped me through the process and I didnt learn anything from them..