23daVinci/CFPB_Complaints huggingface dataset:
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. 
Account name : XXXX Account name : XXXX Account name : experian has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy. my information has been breached on each of their websites And has been sold on the dark web 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written permission furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I have dispute fraudulent information through XXXX, Transunion and XXXX for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.
Product: Credit reporting or other personal consumer reports

the vehicles transmission went out Westlake Financial refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being
Product: Credit reporting or other personal consumer reports

XXXX exposed my personal information including my physical address after telling them that i am in address confidential program through the state attorney general office of Texas for six years despite notifying XXXX of my protected address, they failed to comply This negligence led to my address being accessed resulting in two breaks in attempts fearing my safety my children and I were forced to relocated staying in shelters and short-term rentals while securing our housing in a gated community
Product: Vehicle loan or lease

Dear Sir/Madam XX/XX/2020, I applied for a Car loan with US BANK through their website for around ( {$55000.00} ). After two days, I checked my loan status through their website ; the position was pending. On the third day, I rechecked and still pending. On the fourth day, I made a call at XXXX, and someone told me that too early, please wait for next week. 
After waiting for a week, I made a callback at XXXX, and some told me to call your branch at XXXX XXXX. I called US Bank at XXXX, and the branch manager XXXX XXXX XXXX said to me that at this moment, he was not sure what is going on with your loan, and I will give you a call today about the situation. After two days waited, I made a callback to US Bank Branch at XXXX XXXX, and the lady XXXX XXXX XXXX told me that my loan declined because the amount too high for my credit score. At this moment, the loan approves for {$50000.00} with an interest rate of 3.9 percent 72 months, 3.76 percent 60 months, and 3.6 percent with direct payment. 
I asked XXXX what I should do? Because this is my first time to loan with a direct bank. XXXX told me to get a contract from the dealer and bring it here ( nothing about how the loan work ). 
After one and a half weeks, I got a contract from XXXX XXXX for the car for {$49000.00} On Monday, XX/XX/2020, I brought the contract to the US Bank, and I met with XXXX. He told me that he couldn't find my loan application, and I told him that I applied, and the branch manager ( XXXX XXXX knows it. He called XXXX, and XXXX and XXXX were looking into the system. Finally, they both couldn't find it, and XXXX suggested to replied the loan application, and XXXX explained that the Loan is base on the value of the VIN. XXXX checks my car VIN #, and the deal only {$37000.00}. I said to XXXX, why you never called me back, and why you were never explaining how to apply for the car loan. Also, why your co-worker XXXX XXXX XXXX told me, " just got the contract from the dealer and brought it here, and we will take care of the rest, XXXX XXXX couldn't answer my question ). 
Since I must deal with my problem, I told XXXX to reply to my loan application and get {$44000.00}. He told me I tried. 
On XX/XX/2020, I got the answer from XXXX the loan was approved, only the car 's value {$37000.00}, I must deal with the remaining balance XXXX {$7000.00} XXXX. 
I appreciate your valuable time to review my problem.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> XXXX XXXX, Experian and XXXX, are reporting XXXX on my credit report and they have put in the source of furnish as being United States XXXX XXXXXXXX XXXX XXXX XXXX, Nevada. 
: Experian report reflects XXXX XXXX XXXX XXXX XXXXXXXX XXXX as the source of information. 
: XXXX XXXX report reflects XXXX XXXX NEVADA as the source of information. 
: XXXX report reflects NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX source of information I have attached a letter from the UNITED STATES XXXX XXXXXXXX DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning XXXX  XXXX XXXX XXXX Experian and XXXX is stating this information on my credit report and have yet to remove this unvalid and UNVERIFIED information from their credit report which violates fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including 15 USC 1666b. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, XXXX, XXXX and Barclay Card, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX incorrectly reported a late payment to each credit bureau which is shown on my credit report. The company claims that everything is accurate on their end, and verified that each payment has been made on time. I have filed a dispute through the company as well as directly with each bureau and each XXXX XXXX XXXX XXXX XXXX claims the information is accurate when it is not.
Product: Credit card

To whom it may concern : I am extremely frustrated with Barclays, Customer Service, and the Office Of The President. I have called and left you guys several recorded voicemails which I have recorded for my record. In addition, I have sent you guys several emails to this email address as well as messages on XXXX XXXX. 

To this date which is XXXX  XX/XX/year> I have yet to receive a call back from you guys as I have requested. This is absolutely unacceptable. 


I have two claims which I will list the claim numbers below. 

Claim # : XXXX Claim # : XXXX For both claims above, Barclays is stating to me the following : We received the response from the merchant providing details which confirmed that the services were provided as agreed upon. 

Additionally, as the merchants terms and conditions of the service were accepted by you, we determined that we were unable to assist, closed the case, and the provisional credits were reversed. 



However, you have not provided me any documentation regarding 1 ) The merchants alleged terms and conditions which you referenced above nor have you provided me with 2 ) Anything where it shows that I have signed and agreed to these alleged terms and conditions. 



According to my rights as a credit card holder within the United States, this is illegal. You are simply doing nothing but passing the buck. 



I have attached the two most recent documents that you guys have provided to me in response to the complaint I filed with the United States consumer finance. 



I will be expecting a call back at your earliest convenience. Otherwise, I may have to pursue other avenues to address this issue in accordance with my legal rights. 



Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a store card from Best Buy for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months " no interest '' financing offer when I had bought a brand new house and purchased a washer/dryer, refrigerator and two televisions. Long story short, I've consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled " Enhanced Debt Protection ''. I've been getting charged this fee for quite a significant amount of time now and I not only called Best Buy but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I'd receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid-month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30-day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and Best Buy for not being more helpful with this process and ripping their loyal account holders off of hundreds if not thousands of dollars. Please, any assistance would be greatly appreciated. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and was denied. I checked my consumer profile and noticed that there are several unauthorized accounts being reported on my credit file. I have attached a brief summary of the accounts that are infringing on my right to privacy.
Product: Credit card

Capital One Locked my account XX/XX/XXXX without notice. 
I called and they wanted proof that a closed business account was open. They had failed to transfer my business to my new business XXXX  years before. They wanted proof my closed account from XXXX years ago was open and wouldn't accept that my new business was active for XXXX years and wouldn't unblock the account. They wouldn't come up with any situation to unblock the account. I asked to close the account immediately. I paid the full balance and was credited any fees. They were supposed to close the account of that day as of XX/XX/year>. 

Now I get a statement showing interest and fees on a closed account. I called and they said they can't access the account but that I owe these interest and fees as it was never closed. They can't access the account to even help me as it's restricted on their side from the business account issue above. I am being charged fees and interest and even a yearly fee on an account that I can't use and they were supposed to close XX/XX/year>. They won't help and are holding me hostage ruining my credit. I can afford to pay but it's not right that they made a mistake and won't fix it. 

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

The above three accounts ( XXXX, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Product: Checking or savings account

1. The account holder banked with BB & T.

2. The account holder was deemed to be unable to manage her property in a legal proceeding for the appointment of a guardian of property and of her person.

3. BB & T accepted the Court Order appointing the guardian and the guardian began managing the account and paying the ward 's bills.

4. SunTrust and BB & T merge and become Truist. 
5. Truist 's On-line banking system will not permit on-line bill pay access for the account. 
6. The XXXX calls Truist Customer Service seeking a resolution and gets sequentially referred to someone who will handle the inquiry. 
7. Truist personnel advise that it is the bank 's " policy '' not to let a guardian access bill pay features of its on-line services. 
8. It is pointed out that a guardian is the legal equivalent of the account holder and can transact all business, from closing and account to paying bills.

9. Bank personnel advise without explanation that it is simply the " policy '' of the bank that he can not do so electronically, and that the guardian has to use written checks to pay bills 10. This makes no sense to the XXXX, since, for example, he can clearly close the account, he asks who is responsible for establishing this " policy. '' 11. Bank personnel avoids the questions, refuses to respond and advises in effect that the policy is the policy. 
12. Bank personnel suggest that the guardian change the nature of his relationship to the account in its records, which, it is pointed out, would be improper since he is court appointed, and doing so would be a misrepresentation and misconduct by the guardian.

13. A request to speak to a superior is denied.

14. A request for contact information for the source of the " policy, '' is not only denied by Bank personnel, but the existence of such a place is denied. ( Which has to be an outright false statement, i.e. a lie. ) 15. No explanation is given, and even the means to request an explanation or to suggest a change in the " policy '' is denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX & XXXX  account number 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.
Product: Checking or savings account

My account went into the negative with Regions Banks on XX/XX/XXXX for XXXX. I received a mobile notification on XX/XX/XXXX advising I had until XX/XX/XXXX at XXXX XXXX ct time to make a deposit and avoid fees However I was charged a fee of XXXX on XX/XX/XXXX ( XXXX XXXX XXXX ) which was a holiday. 

I went to the bank on XX/XX/XXXX around XXXX as advise per the mobile app and made a deposit for XXXX which covered the balance owed However the next day XX/XX/XXXX I was charged an additional XXXX on overdraft fees for a total of XXXX in fees within a 1 day time frame These fees are causing consumer hardship and when speaking to the bank they REFUSE to refund any part of the fees A transaction came through on my account for XXXX and I was charged a XXXX fee for XXXX thats ridiculous I called customer service and went to local branch trying to get this resolved but the bank refuse to help I have attached a picture
Product: Debt collection

I contacted this company to pay for any debts they held in my name several months back.
I reviewed each item and paid all of them -- except for a court fee that I told them I would not pay because the   XXXX   XXXX   XXXX   XXXX   had wrongly ticketed me over four years ago. Their officer routinely picked up my dog from my house, would hold him ransom For hours ( I would know he had him within minutes ), and then charge me large fees to get my dog back.
I spoke to someone and cleared all debt, also found out there were several amounts around {$5.00}, and under {$100.00}. I asked why I did n't know about those, and the debt collector told me it was because it was such a small amount that they would never try to collect it.
I paid everything except the city fees.
Today, a woman appeared on my porch, she was very aggressive and began yelling at me when I asked her who she was. She said she was an officer of the court and I had to tell her who I was. I asked her her business and stated that she was on my property and I was not going to answer her. She said, " then you 're so and so '' and shoved a court summons through my screen door. I asked her several times why she was b omg so aggressive and she repeated that she was n't, she was an officer of the court and that I needed to answer her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and Transition numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX and XXXX XXXX. Both of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail. Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX XXXX have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.
Product: Debt collection

On XX/XX/year> I contacted the collection agency FMS Financial Solutions at ( XXXX ) XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, MD, XXXX or XXXX XXXX XXXX XXXX, MD XXXX. I am writing to express my deep dissatisfaction and frustration with the unprofessional behavior dispalyed by XXXX XXXX XXXX, a representative during my recent phone conversation interaction regarding a deby payment resloution. 

I was trying to discuss potential options for resolvinng a debt that I currenlty owe with FMS Financial Solutions. However, instaed of providing assitstance or offering constructive solutions, XXXX XXXX XXXX exhibited disrespectful and unhelpful conduct throughout our conversation. Not only did XXXX XXXX XXXX fail to listen attentively to my concerns, but he also displayed a dismissive attitude and showed no willingness to explore possible payments and go over deletion options once this debt was resloved. I even requested to speak with a different representative and XXXX XXXX XXXX said he wouldn't transfer the call and that I would have to hangup and call back. Furthermore, his abrupt decision to terminate the call by hanging up on me and my husband without any explaination was both rude and unacceptable. 

As a customer seeking assistance in fulfilling my financial obligations, I expected to be treated with dignity and respect by a person that is representing FMS Financial Solutions. Unfortunately, the behavior demontrasted by XXXX XXXX XXXX fell far short of thse basic expecations. I firmly belive that effective communication and professionalism are essential components of any successful business interaction. Regrettably, my experience with FMS Financial Solutions representaitve XXXX XXXX XXXX has left me feeling deeply disappointed and dissatisfied. In light of this incident, I urge you to take appropriate action to address the behavior of this representative and this isn't the first time that XXXX XXXX XXXX has had issues with how he treats clients with all the complaints online with this same individual.
Product: Credit card or prepaid card

Multiple hard credit inquiries that have negatively impacted credit scoring. Credit accounts fraudulently being opened. Lack of process or procedure to safeguard against future reoccurrence.
Product: Debt collection

Convergent Outsourcing, Inc. has reported collection activity to the credit rating agencies and damaged my credit score. The debt that Convergent Outsourcing is trying to collect is not my debt. It relates to a XXXX bill owed by somebody who either has my same first and last name or who has impersonated me. In any event, I have never lived at the address where the XXXX XXXX in question was obtained in XXXX. That address is in XXXX XXXX, Georgia. I have never lived in XXXX XXXX, Georgia. Moreover, I have lived in XXXX XXXX, California, for the past 5 years. 

I have repeatedly written to Convergent Outsourcing and demanded that they fix this issue by removing the derogatory information from my credit reports. On both XX/XX/XXXX, and XX/XX/XXXX, I wrote Convergent Outsourcing detailed letters and provided supporting documentation. Convergent Outsourcing has not responded to my XX/XX/XXXX letter and continues to report the derogatory information to the credit rating agencies ( the most recent reporting date was XX/XX/XXXX ). This is outrageous.