23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collection company sent me a text message at XXXXam CST on XX/XX/2022. I have saved the text message as well as taken a screenshot that includes the time received time stamp.
Product: Credit reporting or other personal consumer reports

I just reviewed my XXXX credit report and found that it is inaccurately reporting the following accounts as being late : XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX- XXXX XXXX and XXXX XXXX  - XXXX. These late payments are damaging my credit, and I demand that these late payments be removed from my credit report immediately. This violates my consumer rights according to the FCRA. The FCRA law 15 U.S. Code 1681a ( 2 ) ( i ) - Exclusions : States that Transactions ( late payments ) are not to be reported on credit reports. Another violation is 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, these accounts are not reporting with 100 % accuracy and must be deleted immediately. Please Delete these late payments and update my Payment History to PAANL status immediately. Also, mail me a corrected copy of my credit report as soon as possible. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXXaccounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified. XX/XX/XXXX XXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.
Product: Vehicle loan or lease

XX/XX/2022 I was denied credit by ALLY FINANCIAL. I tried to call the bank to ask questions on why I was denied an extension of my own credit but was unsuccessful. I never gave the dealership XXXX XXXX XXXX permission to run my credit. they informed me that they were going to take a look at it but never mentioned how they were indeed going to run my credit. they then moved forward and had a conversation with with the bank ALLY FINANCIAL on how they wouldn't approve me because I had a late payment on a vehicle that is now paid off. I then received a letter in the mail from ALLY FINANCIAL stating that they inquired to the credit reporting agency to obtain a copy of my credit report that resulted in the credit reporting agency document ALLYS inquiry. I never gave ALLY written permission to obtain or run my credit only to be denied and for them to ask me for a down payment. I feel as I was discriminated against because of prior transaction that had absolutely nothing to do with them as a corporation. I was DENIED extension of my own credit based off of inaccurate reports. I've suffer financially and this has brought damages towards my credit and now have to deal with financial hardship. Please help!!!
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 XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXXXXXX XXXX {$1600.00} XX/XX/XXXX 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 XXXX 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, so I require you to send me all the documentation to prove that this information is accurate. 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: Mortgage

My home was destroyed by fire from a lightning strike. My insurance company has provided the settlement check and the mortgage lender withheld an amount equal to the balance of the mortgage, I understand this and I'm not contending against it. My main issue with the lender is the very poor communication. I'm in the middle of rebuilding my house and I have to make draw payments monthly to the contractor. Their policy is to not start releasing the funds from the escrow account until it has reached 75 % of the rebuild. I feel that is unreasonable. But that being said, how do they determine 75 %? How much will they release at that time? How often will they release funds? I need specific numbers and they are refusing to provide them even though I have provided everything they have requested. I have had multiple phone conversations and multiple email conversations. The responses I get change depending on who I'm speaking with. Their responses are very slow. I need to schedule my payments to the contractor. I need to know when and how much those payments will be. Vague answers from the lender do not help. I need a competent representative from the lender to stay in communication with me through this process. Additionally, again they should not need to wait until 75 % of the rebuild to start releasing the funds.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days. 
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: Checking or savings account

Bank of America closed an account for me on XX/XX/2018, after a claim I made for two charge backs that they made to my account. I recently found out when I asked XXXX for a report, that apart from closing my account, they reported me as a closed account with an unpaid balance and possible fraud. It seems to me an unfair measure, since at the time, I provided them with all the necessary information so that they could verify that I had been the victim of a scam on a website called XXXX. Said bad information contained in my report, does not allow me to open accounts in the main US banks for having that wrong information in my report.
Product: Money transfer, virtual currency, or money service

I've been attempting to pay for Items on XXXX, two different payment methods were attempted. Both a credit and a prepaid debit card were used, both rejected numerous times. The error message shows, " Payment method not accepted, please use a different method of payment or check card details ''. The cards are issued from different banks and are separate from another, XXXX reps directed me to Paypal as they process payments for XXXX. The card numbers end in XXXX, a credit card, XXXX, a prepaid debit card. Both banks do not show any attempt by merchant to process payment, no declines from said merchant. Paypal reps gave me varying reasons for error including, a Paypal account is needed to use card on XXXX, or the seller only accepts payments through Paypal, or the card I'm using is linked to a Paypal account which is restricted. I was also told the email address I'm using could be linked to a restricted Paypal account, my email is XXXX and not linked to any Paypal account I am aware of. The seller of the items opened an unpaid item case against me and is now closed, I now have a strike on my XXXX account since I am currently unable to pay. Paypal needs to fix the error on their end, it appears I am not able to use any card on XXXX to pay..For their information, my XXXX user name is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as $XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was $XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Product: Credit card

In XXXX of XXXX i purchased a computer from the retail provider BEST BUY. There was a no interest promotion for 12 months as long as the balance of the computer was paid within that time period on my BEST BUY credit card. I made the purchase, in XXXX of XXXX i went into a BEST BUY store in XXXX North Carolina and made a payment to the card before i purchased items with my Best buy credit card. Before i made the purchase i asked specifically if making a purchase effects the promotion they reassured me no and that all my payments would first be applied to the promotion balance first after the minimum payment was satisfied, and it was ok to use my card at will. I made a payment and made the purchases. I use my card pretty frequently for small things there but i never pay the minimum payment. I made a large {$700.00} payment online months later to satisfy the majority of the amount oed for the promotion, and have paid well over the {$1000.00} in payments over the minimum payments over the past year. In XXXX my statement came with a charge of over {$300.00}. I called BEST BUY card services immediately and they informed me that my payments were not being applied to the promotion because i never called over the phone to them and asked for that request. I explained to them that if they checked i always made payments more then what the minimum was owed to satisfy the promotion. they stated that they are not required to do that based on the credit card act of XXXX. I stated that that makes no sense that they would apply payments to the lower balance purchases of {$50.00} and {$80.00} and not satisfy the {$1000.00} purchase. I stated that this is a form of fraud that they would deliberately apply payments to a different balance that results in a massive financial gain for the company. they kept referring that the credit card act allows them to do that and i disagreed.i called XXXX more times over the next few days and they noted the account so every time i called they just kept repeating that the credit card act allows them to do this, even though in the store where they took the payment. they stated the people in the stores do not know this information and that i still have to pay. i asked how could they have representatives that are giving information that is false and they know it, but they are not bound to the information their representatives are giving and that i owe this money. I asked how could this be that in the store where they deal directly 100 % of the time with the customers, and giving misinformation 100 % of the time that costs the consumers large amounts of money and results in a massive gain for the company. they again referred to the credit card act and then offered me a deal that i pay the entire amount of my card ( which is a {$2000.00} limit ) and they will waive the interest or i have to pay the interest. i said that is completely absurd and criminal. I have paid well over {$1000.00} in payments as i use my card frequently. This is more than unjust and criminal
Product: Credit reporting or other personal consumer reports

Notice theres was a public record on my profile with equifax disputed the information with equifax. Equifax had the dispute in place since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. XXXX XXXX XXXX XXXX has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXX identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX XXXX XXXX attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark.

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Contacted The US Department Of Education Multiple Times. I Was In School During The Time The Loan Was Charged Off. I Stated That Several Times. There Was A Very Short Period Of Time I Was Not Enrolled In School But When I Re Enrolled They Still Expected Payment. Its Partially XXXXXXXX XXXX XXXXXXXX. Now Tih Covid 19 I Found Out That You Can Have Your Payments Waived Due To Covid 19 And They Count As Revamping The Loan To Put It Back Into Active Status Yet They Wont Retroactive It.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus... Experian, XXXX, XXXX have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX.. and all that wasn't mentioned! According to 15 USC 1681..I HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.
Product: Checking or savings account

XXXX. I received a escrow refund check ( {$4300.00}, # XXXX ) from Truist ( formerly XXXX ) bank at XX/XX/year> XXXX. I deposited your escrow refund check # XXXX for {$4300.00} on XX/XX/year>, at XXXX XXXXXXXX XXXX. Subsequently, I received notification that the check was returned on XX/XX/year>, as Refer to Maker. 
XXXX. Truist responded " This is because the check was previously deposited into an account with BXXXX XXXX XXXXXXXX '' from CFPB complaint ID XXXX Truist record ( attachment XXXX ) XXXX. CFPB complaint ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( attachment XXXX ) Our records show : Based on your concerns, Truist Bank issued a check for {$4300.00} payable to you, XXXX XXXX XXXX XXXX and was negotiated without your permission on XX/XX/year>. 
The routing numbers on the attachment that you provided with your CFPB complaint are not from of XXXX XXXX XXXXXXXX. The last one belongs to the Federal Reserve, and the one above that is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was not the bank of first deposit. We did not locate a check matching that amount or payee. 
Heres our response Regrettably, we must refer you to the issuer of the check to attempt to dispute this matter further and try to initiate a claim with the bank of first deposit. We regret any frustration this may cause. As a result, we must respectfully decline your request for a new check. 

XXXX. Truist vs. XXXX XXXX XXXXXXXX responses conflict
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Auto Loan is reporting inaccurate, misleading and false information to the credit bureaus regarding our Santander Auto Loan Balance. 

Account number : XXXX In Re ; XXXX  XXXX XXXX Subject : Fair Credit Reporting Act Violation, failure to correct billing and reporting misinformation to Bureaus. 

I have tried to resolve this issue and I was told I needed to send a letter I escalated the call and still nothing has been done to correct the billing or the misinformation to the credit bureaus. 

We have made our payments and we are upto date with extra payment on the account. However Santander Auto says we owe them a whole payment, that information is not accurate false misleading and is being reported to the credit bureaus. 

We are not behind on our car payments as a matter of fact we are ahead in these difficult times. Santander is not correcting the error and still chooses to report inaccurate misleading and faulty payments to our account. 

This is a major issue because it bears false light on our character and payment history and hinders or attempt to establish credit to purchase a home or other important necessity. 

I am therefore requesting a investigation into our account and need or credit report repaired because Santander Auto Loan is reporting false faulty information. 

And Santander is over charging us per month causing a hardship now and and at the end of the auto loan. 

.
Product: Payday loan, title loan, or personal loan

My vehicle was repossessed by XXXX for a late payment. After I contacted them I spoke to different representives from their company and all gave me different information. My personal belongings that are my private property are still in the vehicle itself. My work tools and personal belongings shouldnt be held for a {$100.00} storage fee. But thats what they told me.
Product: Credit reporting

I had around XXXX inquiries on my credit report because of XXXX XXXX XXXX XXXX, the dealership submitted my information to multiple lenders without my permission and around XXXX lenders pulled my credit report lending to an abundant amount of inquiries. I reached out to Transunion and was told that I needed to contact all creditors in order to get the inquiries removed. I received a letter from XXXX XXXX admitting they made a mistake in error but trying to contact XXXX lenders and having to explain the nature of the situation over and over again is ridiculous, I have had some luck with some lenders and no luck with others, I would like the credit union help me find a less strenuous way to get all these inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO CORRECT THE REPORTING OF MY CREDIT FILE BY SENDING COPIES OF MY BIRTH CERTIFICATE, DRIVER LICENSE, UTILITY BILL, MY SOCIAL SECURITY CARD, AND MY RIGHT TO HAVE ACCURACY AND TRUTH TO MY NAME ADDRESS IS STILL BEING VIOLATED I HAVE ENCLOSED A LETTER FROM EQUIFAX AS TO WHAT I SHOULD SEND TO HAVE THIS CORRECTED. 
THIS IS MY CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX PLEASE DO NOT LIST ANY OTHER ADDRESS FOR IT IS NOT DELIVERABLE BY USPS. 
NO PHONE NUMBER LISTED
Product: Credit reporting or other personal consumer reports

The use of inquiry on my credit report that doesnt belong to me. 15usc 1681 ( I ) this information appears on my credit reports and I want them removed and deleted please
Product: Debt collection

I received a letter by mail from XXXX XXXX XXXX XXXX stating that my PayPal balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.