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

Credit Acceptance made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted Credit Acceptance, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!
Product: Credit card or prepaid card

This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No "  XXXX  '' card exists in my name ( I have never heard of this company before ). I have disputed this issue in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them. This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus. Their contact information is below.      ZIONS MANAGMENT SRVC C   XXXX   XXXX ,   XXXX   Bank  Credit Cards   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX
Product: Debt or credit management

How is it possible to keep something on my credit that I never did. When I try to reach out to all three creditors they never respond.
Product: Checking or savings account

my name is XXXX XXXX. I used to have a checking account with wells Fargo Bank. I closed my account on XX/XX/2022. I forgot to inform to XXXX and XXXX about it. I did not change my credit card or bank information with them. on XXXXXXXX XXXXXXXX XXXXXXXX try to sent me a refund XXXX through XXXX to my account with wells fargo was closed. I try to explain to the customer service agent XXXX has that my account was closed but they said that they sent money back to the account on XXXX XXXX. I waited for the refund on XXXXl but they send refund to the account on XX/XX/2022. XXXX sent me many letters let me know even the account was closed the money was on the wells fargo account. I went to wells fargo on the branch XXXX md and XXXX XXXX MD. the customer representative was nice but tell me the money was not there. give me last statement balance. Such statement has many transacction declined because the close account situation. I found on the statement one transaction was not declined. the statement said POSTED that means the money was successfully accredited to the account. The office branch on the XXXX and XXXX XXXX has not managers. you only can talk with agents. It has been very difficult for me to dial with it. I have proof about the statement and I have proof for XXXX  too. if wells fargo account was closed and the money came they are supossed to return money to XXXX. They did not. I hope resolve this issue the best way possible if someone can help me with wells fargo because i am not wells fargo client anymone will be helpful, thanks
Product: Student loan

Hello, I submitted a request to my student loan provider Edfinancial Services on XX/XX/XXXX for a refund all payments made during the Covid-19 student loan forbearance period since XX/XX/XXXX. This sum amount was approximately ~ {$17000.00}. Edfinancial has been unable to provide me with a receipt, physical documentation, or confirmation of my request and additionally has stated that it could take up to 1 year from submission of my request to receive my refund. I have contacted them multiple times since submission for an update on the status my refund and they have been unable to provide any information regarding the processing of my request. 

From what I understand, many Edfinancial users are having similar problems with this provider while other lenders have been able to provide their borrowers with refunds in a more clear and timely fashion. I am simply looking for assistance in receiving my refund from Edfinancial since it is not clear when or if I will receive one since my request as 6 weeks has already passed and I am unable to receive any updates or physical confirmation. Thank you.
Product: Debt collection

Bull City Financial Solutions, on behalf of XXXX XXXX posted a collection against my personal credit reports in XXXX of XXXX This collection was because of an identity theft. Please find attached a copy of my fraud alert posted with the Federal Trade Commission. This collections needs to be deleted from my credit reports immediately and permanently. I submit this complaint to the credit bureaus that have posted against me as well. I demand that the credit bureaus complete their reinvestigation to delete this collection permanently. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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. 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 written instructions
Product: Debt collection

1.The purported debt collectors have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in 15 USC-1692 ( d ) 806. Their language and conduct violates the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and business etiquette.

2.The purported debt collectors failed to provide VALID CERTIFIED STATEMENT OF ACCOUNTING 15 USC-1692 ( g ) 809 ( b ) ( UCC ARTICLE 9 ) upon several requests and demands for valid certified statements of accounting and violates my rights as a consumer. The law requires that ALL DEBT COLLECTION ACTIVITIES MUST CEASE until such debt is validated and or verified FCO representatives are obligated by law to act in good faith but have yet to show any good faith efforts. I am backed by the FULL FAITH AND CREDIT of the United States, public law 93-224 so there could be no honest claim that any I owe any debt to this debt collector. 

3. WITHIN 7 DAYS OF THIS NOTICE TO AGENT IS NOTICE TO PRINCIPLE, the purported debt collector must immediately PERMANENTLY REMOVE AND DELETE the harmful and fraudulent accounts being reported to all credit bureaus to which the debt collector is currently reporting.
Product: Credit card

On XX/XX/2023, at XXXXXXXX XXXX, I received an email about a balance transfer made to one of my Bank of America credit cards. That same day at XXXX XXXX, while the transaction still appeared to be in process, I called the bank and reported the transaction as fraudulent and asked for it to be stopped since I was not the one who executed it, and my call was timely, not an hour had passed since it was made. The operation still appeared to me in progress. The claim number at Bank of America is XXXX. The Bank of America Fraud Department has ruled twice that my claim is not valid because the transaction was executed using one of the devices connected to my home internet, which I do not accept as an answer. I use XXXX XXXX on my cell phone to access the bank 's mobile app, so it is impossible it was from my cellphone, and the amount of the operation is beyond my usual behavior as a bank customer, which is why I blame the bank for not protecting my interests against cyber fraud. The bank refused to recognize my case, listen to me, and give me the benefit of the doubt, so I went to the XXXX XXXX police in the state of Florida, where I reside, and filed a formal complaint under case number XXXX. The amount they scammed me is {$9700.00} plus a fee of {$290.00}. The original card was # XXXX. When I called to report fraud, this was canceled and I was replaced with the one that ends in # XXXX, which I also had to ask for to be replaced when I received an email informing me of a request to increase the limit that I did not want either execute.
Product: Bank account or service

I went to our Chase branch at XXXX XXXX XXXX, XXXX XXXX NY to speak to business banker XXXX XXXX to open a business credit card ( Chase Ink+ ) on XXXX XXXX, 2016. XXXX informed us that we were preapproved for the card, and we submitted a written application with XXXX for the credit card with XXXX XXXX ( see " my information '' for uncensored name ) as the applicant. Over the next 3+ weeks we kept on following up with the banker, and was repeatedly told that application was still pending. Finally, we called Chase ourselves, and we were told that no application has ever been received for XXXX XXXX for the Chase Ink+ card. We contacted Chase for an explanation, but they refused to give us an explanation as to why the application was not submitted, or why we were n't told. We wasted tremendous amount of time and effort on this issue and we still do not know why this happened.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I set up an automatic monthly payment and have not missed a payment for the five years I had the car loan. But for some reason my very last payment did not automatically deduct and I did not receive a notification about it until two months later. I then went to a chase bank and paid the last monthly payment and the late fees with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Sent account to CKS prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX XXXX XXXX  still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold by XXXX XXXX XXXXXXXX XXXX  to XXXX XXXX XXXX  ( XXXX ) in XXXX. My first payment due to XXXX was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.
Product: Mortgage

my property was in active shortsale process in underwritten with and a counter offer from the bank green tree that had removed the sale date for XX/XX/XXXX because the active shortsale negotiation, in the process Green tree sold the loan to dietech who put back the sale date and foreclosured the property it went back to fannie mae on XXXX XXXX, 2015 because Green tree failed to transfer the shortsale package to Dietech, and Dietech did not have any knowledge that the property was in shortsale and proceeded with the foreclosure, at this point I want my property back I do have all the proof documentation to sustain my claim.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a credit inquiry on my credit report. I recently obtained a copy of my credit report and noticed an inquiry by which I do not recall authorizing. 

This inquiry is fraudulent and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ), which strictly regulates the permissible purposes for which credit inquiries can be made. Unauthorized inquiries are a serious breach of my privacy rights, and I request that you take immediate action to address this matter.
Product: Credit reporting or other personal consumer reports

I sent in a complaint in regard to the debt collector XXXX reporting debt on my profiles that shouldn't have been reported. XXXX and XXXX have removed this debt due to not being able to validate the debt however, Transunion has kept the debt on my credit profile. 

Please read below the response from XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on XXXX 

Also, XXXX has deleted XXXX from my credit profile, please find attached a copy of the report that shows experian has removed these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I join XXXX  XXXX XXXX a Consumer Credit Counseling Service . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.
Product: Credit card or prepaid card

In XX/XX/XXXX, I mailed a check within a week of the due date, paying the balance off my newly opened Ulta Mastercard. The check was for the full amount. I also enclosed a note requesting the card be closed. 

In XXXX, I received a bill stating the payment was late and I had a {$30.00} late fee because there was around {$4.00} in outstanding interest. My account was still open even though I had requested it closed. I called, spoke to a representative and explained the situation ( I had mailed the check with more than a week 's notice, paying the balance in full and asked the account to be closed ). He told me he would reverse the late fee and talked me into not closing the account. I asked if I had an outstanding balance, because I would pay it then on the phone, and explained I have good credit and didn't want another late fee or credit ding. He reassured me it was fine and my balance was XXXX. He also reassured me that I could call in the future and let them know if a payment was on its way by mail, they would make sure to mark it and no late fee would apply. I asked him to note on my account that I had called that day. Because he was so nice, I let him talk me into leaving my account open. 

In XXXX, I receive a notice that I owed {$4.00}, I was being charged another {$30.00} late fee for the {$4.00} and they were placing the original {$30.00} late fee back on my bill, making my total payment {$70.00}. 

I called on XX/XX/XXXX and spoke with three agents about the situation. I told them I had called in XXXX and been reassured there was no balance due. I was told the original late fee was being reinstated because I had now been late for two payments. I asked for the current balance, and immediately set up an electronic payment through my credit union so I would have documentation it was paid. I also asked that my account be immediately closed and that I have verification of the closure sent to me via email. They said they would mail it. At this point I gave up. 

Beware, if you are in a bind and need to make a payment with the support of a representative, there is a {$9.00} charge for personal assistance. For this interest rate and the fees, that shoul dbe provided for free.
Product: Mortgage

Ditech has not acknowledged our loan modification agreement even though it was underwritten by them and sent to us for signatures in XX/XX/XXXX and has been notarized and filed with the County clerk since XX/XX/XXXX 

Even though we have not received a bill for over two years, we have been making religious monthly payments on our mortgage. 

We have been sent to collections once and which we had to fight with Ditech to overturn ; then with the credit reporting agencies to restore our scores. Now we are receiving delinquent notices again. 

Repeated attempts to contact Ditech in the last two years have resulted in nothing more than, " ... we will have someone contact you. " ; " ... your loan has been payed off in full. " ; " ... your paperwork has been misplaced/misfiled. " ; or " I do n't know. '' ETC ... Now it seems that Ditech wants us to apply for another modification.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ) a federally protected consumer, it emphasizes the necessity of ensuring that consumer reporting agencies carry out their responsibilities with fairness and respect for the consumer 's right to privacy. Notably, XXXX and XXXX function as consumer reporting agencies, with me being the consumer. I assert my right to safeguard my private information, supported by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and protect the confidentiality of nonpublic personal information. 
Under 15 USC 1681, Section 604, Subsection 2, it is specified that a consumer reporting agency may only furnish a consumer report by the written instructions of the concerned consumer. I am now opting out of all authorization I the consumer may have given written, unwritten, verbal, and nonverbal, for the furnishing of my information by financial institutions or consumer reporting agencies, such as XXXX and XXXX. Any consent or authorization given to report my information to a third party is hereby revoked. I am now rescinding that authorization, this is effective immediately and indefinitely. 
Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. I was not informed of this right by the furnisher of information to credit agencies. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information exceeding seven years. The reporting of adverse information without my permission violates this provision.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, no person shall furnish inaccurate information to a consumer reporting agency. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and restrict the furnishing of consumer reports to specific purposes. XXXX and XXXX appear to be non-compliant with these obligations. 
Moreover, 16 CFR 313.1 affirms my right to opt out of reporting services at any time. I am hereby exercising this right and opting out of your reporting services. The law states it is illegal to report my transaction history and ask for the information to be updated to show paid as agreed.
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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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.