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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX These reports and scores are UNAVAILABLE to the public - can not even buy them - and yet somehow these credit reporting agencies ( all of them ) and XXXX, Credit unions, mortgage companies etc., are allowed to use them when we apply for anything. 
ARE YOU KIDDING ME...? 
This is WRONG, dehumanizing for people like me, just starting out, and busting my XXXX to get my score high enough to qualify for anything. Now this?? I don't care if all the reports I have read that this was made " public '' ( not ) in XXXX, as they are just now starting to use it. 
WHY CAN'T I GET A COPY OF A REPORT AND ALL MY SCORES ( and I do mean ALL of them ) when it is MY financial life these people are messing with! 
Currently you have XXXX, Experian and XXXX blocking people from getting their reports/scores for NO reason other than a typo. They are also using antiquated systems and demanding that consumers send sensitive information through postal mail! Really?! Why not secured online documentation capture? XXXX XXXX has been using it for quite a long time. Then when you FINALLY get a report with no score ( cuz you have to buy it ) you can not dispute anything online, so there goes another XXXX weeks. In this day and age that is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( XXXX Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$1500.00} ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00} ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor MEDICAL ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor MEDICAL ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor MEDICAL ), COLLECTION ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$120.00}, Original Creditor MEDICAL ), XXXX XXXX ( XXXX XXXX Open Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I demand for these incorrect accounts to be deleted immediately from my credit report.
Product: Debt collection

I have contacted this company for times to remove my phone number from your list. I dont not know who theyre looking for completely different name from my name and they still keep calling me. I am a senior citizen with no debt to anyone. Was told by one representative that it did not matter how old I was or if I knew the person they will keep calling me even though I have requested to be erased from their list. Again I do not know who theyre looking for
Product: Student loan

I applied and was approved for the XXXX plan back on XX/XX/XXXX. At the time of approval, I received a letter informing me that my new monthly payment will be {$680.00} for XXXX months starting on XX/XX/XXXX. I was expecting {$680.00} to be the amount of my auto draft but the auto draft amount was only {$420.00}. So to make up for the shortfall I started to apply some extra payments in XXXX to catch up for the shortfall and made a {$550.00} payment on XX/XX/XXXX so that the payment that would come out on XX/XX/XXXX would be enough to cover interest and principle due for all loans. 

To my surprise no payment came out that month and one didnt come out until XXXX for the auto draft and was still only {$420.00}. Since that time I have had to resort to making extra payments and trying to keep track of the interest since NelNet initially put me into a negative amortization that I would never have been able to get out of on auto draft alone. 

I tried calling an agent to figure out what the best case would be and she explained that since my scheduled payment was supposed to be enough to cover interest there is nothing she can help with even though the system was pulling a lesser amount given my due dates were not aligned. So I asked her during that call to go ahead and submit a request to have all my due dates aligned but this never happened. 

Additionally, the whole reason for signing up for XXXX was to get rid of any negative amortization but instead I am having to pay it all myself. This whole process has been misleading with how NelNet has described the benefits I was supposed to receive, the process that was implemented to avoid me having these benefits with an auto draft less than my payment amount, and I could not reasonable avoid this harm that they established. I feel like this directly violates XXXX as being deceptive and unfair. I have been forced to keep making my payments manually because all the due dates are messed up. Now my normal payment amount shows XXXX XXXX which contradicts my payment schedule amount. Plus there is nothing I can do to correct this.
Product: Debt collection

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Yamaha Motor Finance Corporation USA, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Yamaha account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied. Thank you. Best regards!
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, I received a personal loan by XXXX with the amount of XXXX XXXX dollars. Prior to receiving the funds, we agreed on the payment dates taking effect precisely on XXXX XXXX of XXXX. On XXXX XXXX, six days after receiving the loan, XXXX took money from my account, which was never stated on the agreement, with the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was a violation of our agreement and created a lot of issues on my end because of the transaction was unauthorized. I saw this on my Bank account and immediately contacted the number that was provided for customer support. However, calling them did not work because upon calling them ; the call continued to disconnect after the third ring. I then emailed them on the same date of XXXX XXXX, that if they do not call me I will pursue legal action against them. An email was sent stating that my message received but I have yet to hear back from them. Do not receive loans from XXXX because not only is their interest shameful but they take your money on dates you wouldnt even expect, especially in the worst case scenarios. On top of this, they are still trying to retrieve more money within the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as if they didnt just take that on a day I needed it the most. I want action on this immediately! 

The link to the agreement is posted below. 


XXXX XXXX  XXXX? XXXX & XXXX
Product: Credit card or prepaid card

Just received a credit card in the mail ending XXXX, FNBO getaway card, I can not see a Arbitration rejection agreement, please see all the documents I received regarding this card.
Product: Checking or savings account

This is the fourth time I have requested ALL of my accounts be closed with Capital One Bank and second complaint to your office about it!!! Today I received this!!! Please make them close the account or I will SUE them for not doing so!!!
Product: Payday loan, title loan, or personal loan

I had a equity loan with Bank Of America on XX/XX/2020 the loan was paid off with a check in the amount {$90000.00}. My balance was {$89000.00} after a payment of {$420.00} was paid on the XXXX of XXXX for XXXX payment. On the XXXX of XXXX {$470.00} was added to balance for early pay off. On the statement I received balance was {$89000.00}. No escrow. I tried several times, were to the bank three times was put off on when I would received the extra money or when I would get it. I was told on XX/XX/XXXX I would know how much and when. The difference is {$690.00} should receive but Saturday I got a check for {$120.00}. one month and four days after closing. I talked to the branch manager in XXXX XXXX 3 times, got same answer you will know something on the XXXX of XXXX. Nothing happen on the XXXX. I'm asking for {$690.00} plus interest. On the staement I received on XX/XX/XXXX there was a charge of {$430.00} stating mortgage payment so I paid twice in one month for a mortgage payment. I have all the documents to prove it.
Product: Vehicle loan or lease

I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? 

i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 

12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. 

i will be sending formal letters certified mail.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/2021 XXXX The Date Opened for this account on XXXX is XX/XX/2021. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX  Account Number : XXXX Please remove this item from my report the incorrect and inaccurate information from all three of my credit reports, XXXX, Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( XXXX, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

XXXX XXXX has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. XXXX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

Amazon, Walmart and XXXX all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.
Product: Money transfer, virtual currency, or money service

I was contacted by Banner Bank on XX/XX/XXXX @ XXXX XXXX by email that they had disabled my online banking because of suspected fraud using XXXX that is attached to a checking account. I received a voice message from XXXX XXXX from my Banner Bank branch at XXXX asking me to call them. I called the branch and talk to XXXX verifying the transaction on my account. XXXX wanted to know what I was purchasing and who it was going to. I gave her this information. She told me that this should answer the fraud concern and call me back if there more concern. On XX/XX/XXXX @ noon I tired my online account still could not get in. Call customer service who told me that the branch had locked my online account and they could not help me. Customer service transferred me to the branch who tried to deny the call. XXXX XXXX answered the call and said she just got back from lunch. She needed time to call the fraud department and would get back to me. I asked her to put me on hold while she called the fraud department but she told me that she could not put me on hold because she only had one phone at her desk. I asked her to use another phone and she refused. XXXX said she would call back within 10 minutes. XXXX did not call back but her XXXX XXXX XXXX XXXX @ XXXXXXXX XXXX did who had not called the fraud department who started to question what I was spending my money on. I told her I had verified the transfer and I did not need to give her any more information. XXXX stated that it was policy. I asked for the policy. XXXX stated she could ask the fraud department to make a statement for me. I questioned if there was really a policy. XXXX said they would get back to me and would not give me a time frame. I called customer service again at XXXX and asked for the fraud department phone number. I called the number at XXXXXXXX XXXX but the system did not associate my phone number with and fraud activity. I called customer service again because the branch was no longer answering my calls. Customer service explained to me that the number was for debit card fraud and only could give me a email address. Customer service said they could not transfer me to the branch but would email them. XXXX XXXX called back at XXXX XXXX stating they could give me access to online banking but not XXXX. I went into the bank to start closing my accounts because of this situation. Again I asked for the policy from XXXX XXXX for the policy and when she contacted the fraud department. Her response was she does not need to share company policies nor does she need to answer my questions about communication.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

I hope this helps you to understand my problem that I am having with this institutions I am an individual who happens to have a business accounts at Chase Bank, XXXX They both closed my personal accounts at first without any explanation and they insisted that they will send the remaining balance to my address, that was a XXXX. 

Now that I have a Chase Bank is about to do the same thing to close my accounts, because they have closed my personal account, and they have insisted that they will send a check to home address instead of giving me a cashier check, or transfer the fund to my business account. 
I have a clean background That is why I am speaking your help, to help me to solve my problem Thanks
Product: Credit card or prepaid card

I have a card with Ulta/Comenity bank, I have not made a purchase on the card since XXXX  and turned my card off I believe in XXXX I have paid hundreds of dollars worth of payments and my balance has gotten higher saying that I am paying late fees despite paying on time, the payments are not processing. The minimum payment and the late fee are very suspiciously the exact same amount which is XXXX out my payments. Recently my limit was increased despite my card being shut off. In XXXX I called to ask where my payments were going because I was not making purchases as my card was shut off, and they said since I was making the minimum payments that the payments were useless. Last month I tried to make my payment and the website said this account is inactive or blocked and didn't allow me to make a payment. Today I went to double check to see if I could try again to pay and my account is mysteriously active again without my permission. I also have an even larger late fee and even more finance charges because the account wouldn't let me pay last month. My balance is now INCREASING despite NOT USING THE CARD SINCE JANUARY AND MAKING SCHEDULED PAYMENTS FOR SEVEN MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported incorrect information to the credit bureaus and they still have not rectified the situation with XXXX XXXX and LVNV funding are both on my credit report with the same account number Both companies can not be reporting with the same account number thats double jeopardy and both need to be removed because it violate my rights I've disputed this multiple times Ive called XXXX XXXX directly and spoke to multiple representatives that said XXXX XXXX will be taking off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified XXXX, XXXX, and Equifax that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory account.
Product: Debt collection

I am writing to dispute inaccurate information being reported on my credit file. 
The account in question is : Creditor Name : Continental Finance Account Number : Account ending in XXXX Reported Issue : Improper Repeated Charge-Off Reporting This account was charged off in XXXX of XXXX. A charge-off is a one-time event and should not be updated or reported as a new charge-off each month. This account was reported as a charge-off in XXXX of XXXX and XXXX of XXXX. Continuing to report a recurring charge-off inaccurately portrays my payment history and misleads future creditors. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), information furnishers must provide information that is accurate and complete. Repeatedly reporting a charge-off as a new event violates this provision of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX conducted predatory lending tactics towards service members in and around XXXX XXXXXXXX XXXX  My account was closed and a Settlement Check ( # XXXX ) was issued in accordance with " CFPB v. Omni Financial of Nevada , Inc. , also doing business as Omni Financial and Omni Military Loans File No. 2020-BCFP-0028 ''. They were sent a Cease and Desist letter on multiple occasions by my attorney. After removal from the Credit Reporting Agencies, they wait 90 days and reappear with a higher " Balance '' due, causing severe damage to my credit report. They have been removed from " Equifax '', " XXXX '', " XXXX '' on several occasions. This has caused irreparable damage to me and my credit report under the intention of being vindictive.
Product: Credit card or prepaid card

I filed a credit card dispute with Chase Bank on XX/XX/2021 regarding an improper charge from XXXX XXXX XXXX for services rendered. My dispute involved poor quality goods and services provided as well as fraudulent and deceptive business practices employed by XXXX XXXX. A decision was issued on XX/XX/2021 by Chase Bank stating that they considered the disputed charges valid. As a result, a charge of {$1900.00} was re-billed to my credit card account. I then sent correspondence on XX/XX/2021 stating that I wanted to continue the dispute and that I was requesting a re-dispute of the charges. On XX/XX/2021, I received notice from Chase Bank that my dispute was continued and that they were researching the issue. To date, it has now been over XXXX billing cycles and over XXXX days since I received any correspondence from Chase Bank. In addition, the dispute remains open and the charges to include any associated interest and finance charges remain on my credit card account. Per FTC XXXX XXXX XXXX and the XXXX, disputes must be resolved within XXXX billing cycles and or no more than 90 days. This is a clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not take off a collections account from XXXX XXXX XXXX, This account was removed the reappeared back on my report which is extremely odd. This account is closed and needs to be removed from my experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion on 4 occasions, I mailed them disputes on XX/XX/XXXX and XX/XX/XXXX, the dispute from XX/XX/XXXX did not have tracking which led me to send the dispute from XX/XX/XXXX via Certified Mail which shows it was received on XX/XX/XXXX. I called to speak with them again and 2 supervisors informed me that nothing had been received since XX/XX/XXXX. I provided them with tracking and she sees it was received but they have no information that it was received. I confirmed the address and they verified it is in fact correct. I asked for an alternate way to ensure it is received in the future and they had no other way besides mail.