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

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX  XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

My intent was opening an account with CIT Bank which already I have an account with them and I was opening a Certificate Deposit with No Penalty Account. XXXX redirected to CITI Bank, I opened the account and realized it was penalized if I Have to with draw early. 

I called one week after opening the account immediately and explained the situation XXXX redirecting CIT Bank accounts to CITI Bank. There were no proper explanation all they were saying account opened online, to with draw it will be penalized. 

Now I have situation I have to pay my daughter tuition fees, there are penalty. 

All CITI Bank associates spoke to me are rude. 

I would like to escalate to this bureau to investigate on XXXX and CITI Bank and close my Certificate Deposit with interest incurred with out any penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$7900.00} Late/Closed XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} ChargeOff XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} Collection XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00}
Product: Checking or savings account

Contacted Wells Fargo and the said the can only go back 7 years
Product: Credit reporting or other personal consumer reports

Account # XXXX with XXXX XXXX are fraudulent charges and I never signed contract and they do not have a right to collect. They have no proof or validation of me signing contracts or any medical waivers by letting them under the HIPAA act as well. They keep reporting to the credit bureaus that I owe which in fact I do not owe and should not be on my credit report. This account is fraud and any one reports this is also committing fraud as well. I request this account to be reinvestigated and it was not. I have talked to attorneys and now this has become a big law suite . Please remove this account permanently or you will have have a law suit. I will also file a complaint with the US attorneys and State attorneys office. I will also file a compliant with Senator XXXX XXXX XXXX  office as well Congressman XXXX XXXX XXXX. Attorney that I might go with if this is not removed permanently XXXX XXXX XXXX XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters
Product: Consumer Loan

My current auto loan, with Chrysler Capital is not reporting my payments correctly on my credit files, affecting my FICO score. I have tried multiple times to contact their credit department and they will not return my phone calls. I also sent an email to OPPOFFICE according to their website, is the officer for finance, only to receive a return email stating to call the same number I have been calling. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service customer service number, and tried to speak to a customer service representative in your credit department only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 

On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital, and spoke to a representative that was NOT in the credit department, and complained to him, and asked why I was not getting a return phone call, only to be told he does not know why. I asked to speak to a manager, and was told no one was available. 
I was recently turned down for a line of credit, because they state my payment history on this loan is showing like I am not paying my loan on time.
Product: Credit card

I've always been diligent in ensuring prompt payments on this account, avoiding any instances of being overdue. The reasons for the presence of late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Product: Mortgage

RoundPoint has transferred my mortgage to XXXX XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX. I was informed not to process any payments after XX/XX/XXXX to Roundpoint and that I needed to do nothing about automatic drafts scheduled after XX/XX/XXXX as they would not be processed. RoundPoint processed the automatic payment from my checking account on XX/XX/XXXX and failed to immediately transfer this payment to XXXX as a received payment for XXXX. XXXX processed an automatic payment from my checking account as a result on XX/XX/XXXX. I contacted RoundPoint to ensure this balance would be transferred before my XXXX due payment but the several contacts to the company did not resolve this and XXXX processed another mortgage payment from my checking account on XX/XX/XXXX. Upon contacting RoundPoint after this, I was informed that they put my money in a suspense account rather than transferring it with my loan to XXXX. I have contacted them again and they still have not transferred my money to apply to my mortgage with the new company. This has resulted in my finances being interrupted as these funds have been tied up for the past month. I 've made countless long calls, have had multiple failures to escalate, been called a liar about this payment, have been transferred to the main queue to start all over during calls, and not received any of the multiple callbacks promised by RoundPoint 's customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Prepaid card

I received a {$350.00} prepaid card for a research study. Almost immediately fraudulent charges were made on the card and the card issuer will not send me dispute form or reissue my card. The biggest transaction was not done by me- I called them and they don't know my name. So the issuer allowed fraud and won't fix it. Now the card expired and i am still waiting for dispute form.
Product: Vehicle loan or lease

I have been a long-term customer with BMW and leasing through BMW financial . 
In XXXX i was in an accident and by car was totaled. The insurance company assessment was done and BMW financial was paid {$3800.00} over the residual value of the car. The BMW financial policy is to not only take the residual value but also 50 % of the amount over the residual valve of the car and only credit the consumer the other 50 % for further BMW leases otherwise they take the entire amount.

This policy by BMW financial is abuse of the rights of the consumer and excessive and unreasonable penalization their consumers. 

It is also important to note that this policy is not the standard practice with other car financial companies many of whom do not penalize their consumers after a traumatic experience.
Product: Debt collection

All these people care about is getting that {$400.00}!!!!!!!!! What I told them is irrelavant!!!!!! My spouse and I are struggling as it is with things!!!!! We do not need anymore XXXX added onto what we have going on!!!!! And I ai n't responsible for a XXXX THING!!!!! These people gave this account to a XXXX collection agency!!!!!! We 're sick of this XXXX!!!!! For real!!!
Product: Debt collection

An old cable bill was sent to collections which i paid in full. they are now still not removing the account from my collections. I can not get approved for a mortgage due to these collections. i do not feel the company is acting fairly as i have paid my balance in full
Product: Vehicle loan or lease

XX/XX/2023 I purchased my vehicle and resolved all payments on the loan. Since that date I have repeatedly requested a vehicle title document to complete the purchase and per my legal obligation for sole ownership. Chase Auto has failed to deliver the document for months with continual lack of detail or any reasonable explaination. I have been in contact with various representatives on a weekly basis requesting updates, timing, estimated delivery of this document. Chase seems to have either lost the document or is refusing to deliver it preventing my from selling the vehicle as I desire and costing my potential buyers. I am now also required to renew my vehicle registration in the state of Illinois for a vehicle that I had planned to sell months ago. I have zero faith in Chase Auto to resolve this matter and I am reaching out for consumer protection in desperation to simply receive the title document.
Product: Checking or savings account

Opened my account 14 months ago, faithfully made {$100.00} deposits as required every month for 12 months to receive a {$100.00} bonus per their promotion. I let the balance accumulate over the 12 months to over {$1000.00} before withdrawing {$500.00}. They have not credited my bonus, claiming my {$500.00} withdrawal made me ineligible because I was not allowed to make any withdrawals before the bonus was posted. That was NOT mentioned in the promotion which only highlighted " {$100.00} for depositing $ XXXX. for 12 months ( which I DID MAKE ) and also promoted " no minimum balance and fees ''. So unless they buried the balance requirement somewhere in fine print- which contradicts the big print, they're either mistaken or its misleading advertising. They should pay me the {$100.00} bonus I earned by following the $ XXXX deposit for 12 months which I did, or someone should file a class action lawsuit for deceptive advertising.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My name is XXXX XXXX XXXX, married to XXXX XXXX XXXX XXXX, deceased military I am a widow, I am XXXX, I am XXXX XXXX XXXX and I am a US naturalized citizen immigrant from XXXX. 
My daughter owns a home at XXXX XXXX XXXX XXXX, XXXX NM XXXX and is her residence, We are sued for foreclosure for a second mortgage that was kept open according to what our prior attorney said, and that the sellers after giving title away on a closing on a XXXX  on XXXX worked out a loan mod refi or forebearance with XXXX XXXX XXXX, increasing the debt which was not allowed per the escrow officer XXXX XXXX XXXX XXXX and XXXX XXXX ( alttorneys for the seller and their drafted contract ). attached This is a loan that we were told XXXX XXXX ( seller ) aka XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXr they sold the house and placed title in escrow with XXXX XXXX aka as XXXX XXXX, with title insurance by XXXX XXXX, It appears they used title companies ( XXXX ) to buy other homes and also acted as mortgagors on homes they flipped inflorida and did not make their payments to XXXX XXXX XXXXXXXX but went applied for help or loanmods. 
We ade our payements until the house was paid off per our contract which ONLY spells paying off the countrywide original loan acquired by XXXX XXXX XXXX we never were told of a second mortgage open loan by title and our contract paid off the originalfirst mortgage Apparently XXXX XXXX XXXXXXXX sold the loan that was altered to mr cooper and we did not know the loan amount balance or anyting as we are not priviledged on the loan. 
The went to foreclosure and they have failed to recuperate or state the judgment from the mortgagors XXXX XXXX and XXXX XXXX for more tha 10 years and is so staled that mr cooper can not recuperate and HUD even gave XXXX XXXX and XXXX XXXX a HUD government loan to them. They have lived in Florida forall these years since XXXX The address was provided in court and it appears that the lawyers are incompetent that represent the mr cooper or that the process server LIED TO THE COURT As XXXX XXXX DOES NOT LIVE IN NM BUT IN FLORIDA NEVER LIVED WITH MY DAUGHTER OR I, FURTHER XXXX XXXX IS ANOTHER PERSON IN HER FORTIES AND IAM XXXX WE ARE NOT THE SAME PERSON STOP XXXX TO THE COURT TO PROCEED TO A WRONGFUL FORECLSOURE. 
WE PAID THE HOME OFF THE MONEY IS AT THE COURT. 
IF THE BANK GIFTED BACK THE MONEY TO THE SELLER AND THE BANK CAN NOT RECUPERATE IT IS THEYIR FAULT IF THEY CAN PROCEED WITH FRAUD FOR THAT GO AHEAD, I BOUGHT THE HOME WITH MY DAUGHTER PAID ALL MY LIFE EARNIGNS AS A TEACHER STOP THE ABUSE OF LIQUIDATEORS THAT PREFER TO TAKE THE TITLE THAN A SMALL UDGMENT THAT IS DUE TO THEM MAYBE BY THE SELLERS. THE SELLLERS HAVE NO SKIN IN THE GAME SO IT APPEARS THEY COLLUDED WITH THE BANK TO EXTORT AND STEAL FROM ME, I AM A SENIOR AND I PAID MMY BILLS.
Product: Debt collection

There has been a mistake in billing in which XXXX has already resolved for me and cleared off my balance owed in my account, XXXX also notified Aargon that I have {$0.00} balance in my account but after 3 weeks Aargon still told me that I owed them money, they are trying to scam and harassing the consumer for money they don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN and credit reports were part of the group impacted by the EquiFax breach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 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 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 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 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 XXXXXXXX U.S.C XXXX681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have asked Experian several times to remove dispute comments from a collection account and they are refusing to do so because they say the information is coming from the data provider and they have to remove the comment. The data provider is refusing to remove the comments. When I asked the data provider to do so they laughed at me and asked me what I was trying to buy, and refused to remove the dispute comments even though I told them I was no longer disputing the account. I told Experian I am not disputing this account and to please remove the comment. From my understanding they have an obligation to report correct information and the correct information is that I am not disputing the account. I am asking them to update this account to Have no dispute comment. Also, the date of the first delinquency is completely incorrect and they need to correct that information as well or remove the information completely. The other reporting agency 's had no issue with immediately removing this information. So I am not sure what experians hang up is but they need to get my credit info on this account corrected.
Product: Consumer Loan

I traded in my Honda Pilot, loan # XXXX, on XXXX/XXXX/15. The dealership who purchased the vehicle from me sent a check to Wells Fargo Dealer Services on XXXX/XXXX/15. Wells Fargo Dealer Services does not acknowledge receipt of this payment and refuses to research the payment without the certified mail receipt number. I have offered to send them a copy of the payment invoice, but they refuse to investigate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ).
Product: Credit card or prepaid card

Wayfair/ Comenity Bank failed to process my payment which was mailed to them 20 days prior to my due date. I ended up having to make my payment over the phone after realizing they never processed my payment.

I had a late fee of {$40.00} applied and asked that this be waived. The account was paid in full. Wayfair clearly had a delay with processing mailed payments and they even claimed that due to covid it can take longer to process mail payments. 

This is unacceptable and my late fee needs to be refunded to me. There is a {$40.00} late fee to an account that has an interest fee of {$7.00} and this account had been paid in full based of the payoff balance provided by the creditor