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

I am seeking help as to my concern of how credit report handle reporting investigation and as well how lender is reporting current payments during pandemic crisis. Originally I filed dispute with Experian credit report regarding XXXX XXXX ( auto loan ) payment history not related to COVID 19. At first XXXX had correctly reported my current payments I made each month in, ,current status '' for the last 7 months and then according to Experian XXXX asked to remove my payments and place account in deferred status due to COVID 19 with payments to be resumed in XX/XX/2020. No payments were reported to Experian despite the fact payments were made during those months. 

I have disputed this information with both lender and Experian, I received payment history print out from XXXX so its attached to dispute so Experian can correctly investigate this error. I am not in deferred status and I have been paying my payments out of my packet for the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have over and over tried to resolved this issue with Experian and XXXX with no results and only hurting me with inaccurate reporting. Not only its stressful but time consuming to have accurately reported account. 

Experian is advising that XXXX is reporting my account status as deferred and XXXX is telling me I am not reported this way to Experian, They have send me payment print out with payment history showing otherwise and this back and forth is going on for months. I am not really sure what is happening here and I need help, I am sure its happening to others as well.It almost looks like those agencies are trying to obtain monetary relief for showing inaccurate information using COVID 19 because I have no other explanation why would Experian properly wont investigate and or accept payment history from Lender and / or XXXX report accurate information ( my payments they received ) If this is not resolved I would like direction from the agency on how I could report this to either Congress or Attorney Genera, I am sure there others that going through this same issue. I am subject to damages because credit bureau or the lender is not reporting accurate information 's on my account and I feel its against the law and current Cares act also direct accurate reporting which is not in this case. 

My XXXX auto loan is not in deferred status due to COVID XXXX and I have been making payments on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and Experian should report this as of this inaccurate reporting my credit suffer as well my business. I was told by Experian so many times that they don't investigate they just let the lender make updates, that's unusual and never heard of before pandemic. Clearly they denied to accept documentation I send from XXXX and fairly report this issue. MY ACCOUNT IS NOT IN DEFERRED STATUS AND I HAVE MADE PAYMENTS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND THIS PAYMENTS NEED TO BE REPORTED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lexus Financial Services. End of lease of Car. Payment for purchase of car submitted on XX/XX/year>. Check negotiated on XX/XX/year>. Lexus advises receipt of same and deposit of check. And up to this morning it shows I have not paid and called me this morning and representative read from script trying to collect a debt and half way thru the call the rep said she see on the computer it was paid on XX/XX/year> and then continued to tell me I owed the last two payments and late fees. She said she had to tell me that and there is nothing she can do until it is updated on the account. This is my opinion is not a valid debt nor is it a valid debt collection proceeding and I request you investigate this and take appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX. account # XXXX, and XXXX XXXX XXXX XXXXXXXX account # XXXX have 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 an account without my written instructions
Product: Mortgage

I just closed a mortgage loan in Arizona with Alliance Financial Resources on XXXX XXXX, 2016. Now I received a call the beginning of XXXX from the loan officer 's assistant saying the company made a mistake on the late fees. The fee went from XXXX percent to 5 percent and now Alliance has sent a new note for me to sign with late fees being 5 percent. Is this something Alliance can legally do? Please advise before I respond to Alliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit 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
Product: Checking or savings account

XX/XX/2023. I tried to send money to someone on XXXX. The bank called me asking me questions about it. The bank decided to decline the XXXX  transfer. The email I received was that they said no because I didn't answer the phone. They lied. I did talk on the phone with them. On XX/XX/2023, The XXXX XXXX app informed me that the withdrawal {$22000.00} and more from my account. I went to my XXXX app and found out I had no money ( over {$22000.00} withdrawal ) in my account. I was also trying to buy XXXX  through the XXXX XXXX but I kept getting declined. Since I was at work, I went to HR to find out how to remove my direct deposit. I have no idea where my paycheck ( ~ {$540.00} ) went since they closed my checking account on XX/XX/2023. Since they closed my account on XX/XX/2023, I tried calling on XX/XX/2023 from the letter I found in the app. I called the number in the letter and didn't get a straight answer. The customer service person was rude. She confirmed that my account was closed. She gave me a random number to call that wasn't Chase Bank. I have no idea who I called. I went to the bank on Tuesday, XX/XX/2023. Someone was asking everyone in line why they were in line. I showed her the app, and she led me to the phone. I talked to the fraud department, They said I was talking to the wrong department. I was transferred to another department. I have no idea who then I was transferred again. They told me to wait for a letter in the mail. I did get upset. It's now XX/XX/2023 and I have not received the letter in the mail yet. I still don't have my money of $ XXXX either. I have no idea where my last XXXX paychecks are from XX/XX/XXXX and XX/XX/XXXX. I've been getting the run around from Chase Bank. I have no idea why they closed my checking account. I can't afford to eat since my money is missing. I have no idea how I'm going to pay rent next month. I can't do anything since my money is missing.
Product: Debt collection

On XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020 I reach out to this company about debt in the amount of {$3000.00}. I contacted credit bureaus about this debt but fell to remove this debt from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX, chairwoman of the House XXXX XXXX XXXX, asked the Consumer Financial Protection Bureau to stop Equifax from selling credit scores to lenders until the credit-reporting firm can prove it has the controls in place to ensure its scores are correct. In a letter to the CFPB, viewed by The XXXX XXXX XXXX, the congresswoman from California also called for more robust enforcement action against the company that goes beyond fines. 
( https : XXXX ) In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, have 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: Credit reporting or other personal consumer reports

I believe thats these companies are stealing my personal information and running my credit abusing my credit report by allowed others to lets random peoples to using others peoples information thats dont belong to them I am affected by this disaster I ask u to removed and disputed all this negative things off my report immediately theses inquiries and accounts they are not mines I have not give none of these accounts ppls my information they have no live camera videos of me or documents signed by me in the build so yes my information have been stolen I ask for you wipe these things off my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Please refer to # XXXX complaint on file to CFPB. I am continually getting letters from Key Bank on " late payments '' on my account. In my complaint, as stated in my original complaint, I have not received any documentations, statements, itemizations on my account for 6 plus years yet Key Bank has continually sent me " late payment '' notice every weeks. Throughout the years, I have not missed any payments and yet Key Bank has punished me with " late payment '' notice forb the past several months. I need help. I need clarification on why I'm receiving these notices and the payment structure of the trust deed. Perhaps a sit down meeting with a Key Bank person will clear this issue. Letters sent back & forth will not rectify this issue. 
Please help us correct this problem.
Product: Credit reporting or other personal consumer reports

My credit report has been accessed by multiple companies, and applications were submitted in my name without my knowledge or consent. I do not recognize these fraudulent inquiries, nor have I authorized or applied for them. I previously contacted Equifax, and a representative assured me that these inquiries would be removed, yet they still remain on my report. This ongoing issue is causing me unnecessary stress and frustration.
Product: Checking or savings account

Bank of America changed the status of my account without my authorization. The account was initially set up to not overdraw, now I'm incurring monthly fees and overcharges. 

I check the account before and after transactions to insure my being able to make purchases. Transactions are always immediately deducted from the account and placed on hold and the balance reflects it. I always make sure there are sufficient funds available to make my next purchase. 

It is the bank that hasn't sufficient funds and they are dime and nickeling funds from my account as well.
Product: Credit card or prepaid card

On XX/XX/2019 I was approved online for a credit card with HSBC Bank. On XX/XX/2019 I received two letters from HSBC. One without a date containing my new credit card with activate instructions. The other a dated letter from HSBC Bank USA, N.A., Fraud Prevention notifying me that they have have tried multiple times to reach me by telephone unsuccessful. A security block has been place on the account in question. When calling, please provide the reference number provided above. 

When I call any number provided by HSBC Bank it is almost always multiple hours of hours of holding on with my last call to fraud prevention department XX/XX/2019 took a fraud prevention specialist 5 hours to answer my call. Upon speaking with this representative I was informed that I would be receiving an email with instructions and to follow those instructions and submit the necessary documents in order to remove the temporary security block on my account. 

I submitted the necessary documents on XX/XX/2019 XXXX & again on XX/XX/2019 XXXX after discovering my account continues to be blocked by a security situation initiated by the HSBC security center without me making any complaint of fraud on my account to HSBC. XX/XX/2019 at XXXX a message is left at my contact number that I need to call them back again. 

Every communication ( Chat, phone, email ) I have had with HSBC results in representatives being liars providing false contact phone numbers and instructions on how to remove the security block without processing the documents submitted. I have recorded video/audio evidence all of my communications with HSBC and would love for somebody to examine it. 

Their is no excuse for any bank to create a high call volume by placing security blocks on newly opened accounts when most of the same information was submitted during the online application process that HSBC approved then denies to provide any service except not using my HSBC account by any means available to keep me uninformed.

Do not open any account with HSBC as it's nothing but a never ending head ache with apparently one goal. Eating the client!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows a charge off and there is no charge off The account was paid. charge off is no payment and money owed.
Product: Credit reporting or other personal consumer reports

I am reaching out to express concerns regarding my credit report, specifically one collection and two unauthorized inquiries that I have identified. These items do not belong to me and are affecting my credit score.
Product: Debt collection

I asked Portfolio Recovery Associates ( PRA ) to verify an alleged debt and they have failed to do so. They are in direct violation of the FCRA collection laws. Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, it states " ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' This company has not provided an agreement with XXXX XXXX that authorizes them to collect on this alleged debt, an agreement the bears my signature wherein I promised to pay XXXX XXXX, or complete history on this erroneous account to prove that the debt amount they wish to collect is correct.
Product: Mortgage

The following letter was provided to me by the buyer as they made an offer on my home only two weeks after this letter was written. The lender notified the buyer that they were in fact not approved and caused the buyer to unilaterally cancel the purchase. 

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference : Interested Loan Program : Pre-Approved Loan Amount : 2nd Loan Amount : Sales Price : Property Address : Mortgage Pre-Approval Request 30 Year Fixed - Conventional {$320000.00} {$00.00} {$400000.00} XXXX XXXX XXXX, GA XXXX Pursuant to information you provided, including authorization to run a credit report, I have reviewed your Pre-Qualification request. Based on the information submitted, I am pleased to inform you that you are " Pre-Approved '' for a mortgage loan. 
Your information has not been submitted for formal processing and underwriting that normally occurs when an application is submitted. Based on my preliminary review of data provided, you would likely qualify for a loan under our normal operating standards. When you are ready to submit a formal loan application, I am available to assist you with this step at your convenience. 
If you desire that a copy of this letter be sent to another party, please sign and date the enclosed Applicant Credit Acknowledgement form and return to me. Upon receipt of the executed form, I will gladly share this information as you have designated. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Senior Mortgage Consultant XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Fax ) ( XXXX ) XXXX ( Cell ) NMLS # XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Well they call me saying I got a phone from XXXX. I never had a account with XXXX I had a account with XXXX for almost 20 years. So I told them that but they keep harassing me by phone and letters.
Product: Credit card

Was sent new card by the credit card company in XXXX of 2016. Made a charge in XXXX or XXXX of 2016 of {$45.00}. XXXX statement has balance of {$45.00} but I never received any statements from XXXX through XXXX. Received an email today on XXXX XXXX, 2016 that there was a small payment due on my account so I logged on to make the " small payment ''. Upon logging on I found that my balance was {$100.00} because I never received any statements, I was charged a late fee in XXXX and then a late fee on top of that in XXXX for a total of {$63.00} in late fees. The original charge was less than the late fee charges. I then tried to contact Citi Card via phone but recieved the message " due to high call volume we can not take you call '' and I was disconnected. Then after several attempts online I was able to chat with somebody online. However the chat person said they were unauthorized to remove the late fee and that I had to call the company. They also said I could not talk to a supervisor via chat. I made every attempt to get this resolved but received no help or customer service from Citi Cards. It is incredulous that a company can prevent me from trying to resolve my account. My chat person 's name was XXXX. In the end they told me try chatting again another time. The is unacceptable.
Product: Credit card or prepaid card

Dear, Today XX/XX/2019 on XXXX I just got off the phone with a disrespectful Supervisor at XXXX XXXX  named XXXX . 

We had been aproved for a XXXX XXXX in XXXX and only needed to send XXXX XXXX proof of my identity. 

On XX/XX/XXXX I spoke with a XXXX XXXX  phone rep who provided me with what she told me was the XXXX XXXX XXXX XXXX XXXX which I needed to send my paperwork to. However, this address was wrong and we received the envlope with our paperwork returned to us by USPS XX/XX/XXXX. 


We called XXXX XXXX on the XXXX and were told to resend the paperwork to another address. 


XXXX XX/XX/XXXX we called XXXX XXXX again and spoke with the above XXXX XXXX. He behavior was awful, disrespecting us by playing a dodgy game. Every time I would mention that we had been given the innaccurate address by a rep from her Dpartment oon the XXXX of XXXX she would completely ignore this fact, or even XXXX in interrupting me mid speach to repeat that we had been given an address by a different department on the XXXX. She had no desire to show XXXX XXXX 's customers any respect, help resolve the issue in any way, nor admit any fault by her depart whcih she is overseeing in any way. No help was provided by her as she had no desire to admit or help with our problem caused by one of her staff.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income, which is not permitted to be recorded on a credit report under the FCRA. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After checking my most current report the updated information stated the account was purchased by XXXX XXXX  this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099- form. 



Also, the information on my report is wrong. According to 15 USC 1681s-2 ( f ), a person may not provide any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My credit report shows : Account status : XXXX, no record XXXX, closed, and Equifax open. Date of last activity : XXXX, No record XXXX, XX/XX/2023 and Equifax XX/XX/2023
Product: Payday loan, title loan, or personal loan

I purchased two pieces of furniture a bed and a side table from XXXX XXXX located at XXXX XXXX XXXX XXXX, CO XXXX ~ phone number XXXX XXXX. 
They offered a system of financing through ACIMA. The total amount for the financing upon XXXX XXXX was {$360.00}, however, ACIMA is saying it is a difference upon them is {$400.00}. I agreed to the financing and to do it in three equal payment installments a month deducted twice a month from my bank account and or DC. This remains between a 90n period to not incurred in interest after this time. 
When I talked to ACIMA we discussed these terms and ACIMA agreed to collect funds and send a proper warning about deadlines payments. 
I reviewed my bank statements and noticed that ACIMA has not collected the entire full amount of XXXX by XXXX, instead they in the last month of the 90 day they only collected XXXX. The current amount showing it was taken from my account was XX/XX/1940, XX/XX/120, XX/XX/XXXX XXXX and XX/XX/100 XX/XX/XXXX XXXX A total of XXXX remaining bce of XXXX. 
This company ACIMA did not take the funds from my account as agreed either they sent any warmings of upcoming payments and deadlines. They instead deceived me by not taking the last full payment and now out of a balance of XXXX they increased that balance with interest to {$560.00} alleging that I owe that money, when I paid 95 percent of the total amount financed. This is an increase of over 1200 percent. This is not only predatory but an scam. 
Please I need help investigating the fraudulent business practices of these companies. The phone call recordings I had with ACIMA about payment terms should be in their database. 
The contract number with ACIMA I was tol is XXXX Thank you for your help
Product: Debt collection

I have paid back the amount I owed to the company I borrowed the money from, but they keep calling me and threatening to take me to court or jail and they threaten me about how much they can take from my check every other week I get paid.I was threaten that if I did not give them my bank card number they will take me to court and/or put me in jail