23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company placed derogatory information on my credit report without sending me anything prior to doing so. Furthermore, it is an old debt that has already been paid in full. If they had sent me documentation prior to placing on my credit report, I would have provided them with proof validating they purchased old debt that had already been satisfied. Debt Collectors who buy old debt shouldn't be allowed to place items on your report without contacting you first. They also have another entry on my credit report that is old and already been settled. It appears they are not verifying debt after purchasing and placing on individuals credit reports. The second entry also involves any entry on my report where item was settled by previous debt buyer. I have attached that payment, which is the same account they are now trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a wet signature signed contract that I owe H & R ACCOUNTS INC! They have also placed a late payment on the account and the accounts are closed. If the company can not send a copy of the original contract with my signed signature confirming that I am or have done business with H & R ACCOUNTS INC directly showing I owe their company and an agreement signed wet signature binding our relationship! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA /FDCPA it's a direct violation you CAN NOT place a late payment on a closed account!
Product: Mortgage

Last month I expected, incorrectly, that the Social Security payments my wife and I receive would be increasing. In fact the increase happens this month. As a direct result my XX/XX/2022 payment was returned for non-sufficient funds. This much was obviously my mistake. Historically however XXXX has re-cleared any check returned NSF without any comment. This time I received an email telling me that the check was returned and that it would be re-submitted on the XXXX. The email also stated that if the check was returned again no further submissions would take place. Since I have already received my XXXX 1098 and since it appears the payment will be returned again I first emailed them, twice, asking them to submit the payment one last time as my wife receives her social security payment on the XXXX XXXX of each month ( mine comes on the XXXX XXXX  ). When no response was received I decided to call them today. I spent over 27 minutes on the phone only to be told the same mindless rubric over and over that they could not submit the payment again because it was against their policy. Accordingly I asked for whoever worked there that could make a policy exception. I even explained to both XXXX and whatever " Team Lead '' he transferred me to that in my XXXX years in banking making policy exceptions was literally part of my job. First as an XXXX XXXX and later as a XXXX XXXXXXXX at multiple banks. 

Both XXXX, and the Team Lead, insisted that NO ONE at Rocket Mortgage had the authority to make a policy exception. They went so far as to refuse to transfer me to anyone in the executive offices based on a fabricated explanation that I would only be referred back to them just to hear the message again that they couldn't make an exception to policy even though neither one of them understood why the the policy existed. Since that was the ONLY reason I called and given my experience in the financial services industry during which one of my primary jobs was to decide whether or not to make a POLICY EXCEPTION it is simply impossible for me to believe that no individual at the company could make a policy exception. I I have no idea what they think the purpose of customer service is but in my world it's about doing everything one reasonably can to make customers happy. I've certainly had to say no to customers however I NEVER said no by regurgitating the term " that's not our policy. '' I would actually explain WHY our policy said what it said and, if appropriate, I would and did ( many times ) make exceptions. Since I can not believe no one at the company can make an exception I am asking that you document this communication as part of your regulatory process and contact me if you have any quesstions.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The accounts are listed below : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} - Late/OPEN - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} - Late/OPEN - XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$350.00} - Late/OPEN - XXXX, XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$830.00} - Late/OPEN - XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$760.00} - Late/OPEN - XXXX XXXX XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} - Late/OPEN - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} - Late/OPEN - XXXX, XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} - Late/OPEN - XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - - - was past due 30 days/Late/CLOSED - XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

Two bank accounts opened under my name despite a fraud alert placed.
Product: Vehicle loan or lease

Santandar Consumer calls my cell phone a minimum of 5 times a day. They call from different numbers and many times leave voicemails that are incoherent. Last time I spoke with them on XX/XX/XXXX, it was discovered that 2 months worth of payments that I in fact paid, were incorrectly recorded as default according to Santandar. I supplied the company with my bank statement, confirmation number and photographs of the electronic check. The second error they were/ are harassing me over is the initial payment on the loan. I explained as they well know that my first payment, as is fairly standard, was to be paid by XXXX, the vendor. I supplied them with the salespersons information, and reminded them they have the contract on file. Yet, they continue to call every 20 minutes every day, weekends included. 
Furthermore Santandar sent me a letter threatening to repose my vehicle on XX/XX/XXXX, XXXX XXXX. If I did not immediately pay them XXXX, the money they falsely believe I owe. 
In addition the interest rate and the absurd late payment policy has me trapped in a loan that will not allow me to pay down any principle whatsoever. They charge XXXX sometimes XXXX dollars for being even a day late. The interest rate coupled with this crippling policy has resulted in a years worth of payments with XXXX dollars to principal. I am losing money every month on the value of this car and no one will work to refinance with me because they have created such an unworkable situation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> a salesman for XXXX XXXX XXXX XXXX came to my home and pressured me into signing documents for solar panels. 
XX/XX/year> I sent Notice of Cancellation Refusal of Services to XXXX XXXX XXXX. 
XX/XX/year> XXXX XXXX  Customer Support emailed me to inform that they received the Refusal of services. 
On XX/XX/year> I was notified by credit reporting agencies that an account had been opened by Solar Mosaic LLC in my name. 
On XX/XX/year> I sent via certified mail notification of disputing this account from my credit report and confirmation of refusal of services. 
On XX/XX/year> I spoke with representatives of XXXX XXXX XXXX and Solar Mosaic informing them of this dispute to my credit report and the opening of the account. 
I have called both companies weekly to confirm status of this dispute. 

As of XX/XX/year>, no satisfactory response has been received from XXXX XXXX XXXX and Solar Mosaic to resolve this dispute.
Product: Debt collection

I keep on getting calls when I specifically told them to stop calling me at certain hours
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. States I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the credit bureaus requesting that an error either be fixed or removed from my reports however, the bureaus sent me a response stating that the information is accurate and did not change anything. This is a factual error and I am now requesting that they be removed due to their inability to resolve the issue properly. Referring to my XXXX  account, Transunion is reporting my 30 days late on XX/XX/XXXX while XXXX and XXXX are not. XXXX is reporting me 30 days late on XX/XX/XXXX while Transunion and XXXX are not. I have uploaded a copy of the letter I sent out along with the credit bureau reporting.
Product: Credit card or prepaid card

XX/XX/XXXXand XX/XX/XXXX ; assessed cash advance fee for non-ash advance ; issuer unwilling or unable to correct ; must pay before otherwise de to avoid incurring additional costs of time and money ; loss of grace period ; issuers manager blames subordinate associates ; repeatedly disconnected after spending more than 2hrs on the phone with multiple transfers among associates ; Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company on several occasions only to find that Equifax is by definition committing FRAUD against me as a consumer. Fraud defined : wrongful or criminal deception intended to result in financial or personal gain. See below for how their actions are criminal and fraud.

" 611 - 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) 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. '' Equifax was given an opportunity to correct the errors of a public record on my credit report. They were provided with the Unverifiable results and deletion from XXXX XXXX that was completed on XX/XX/2023. As of XX/XX/XXXX, Equifax claims to have completed a " XXXX '' of the disputed item and verified as accurate through their third-party vendor XXXX XXXX. As you'll see in the attachments, XXXX XXXX deleted the Public Record Bankruptcy from my credit file because it was UNVERIABLE on XXXX XXXX. 
This equates to FRAUD and goes completely against the FCRA which is not a guideline, it is the governing law they must abide by. The public record must be removed immediately. 

The FCRA on this topic provides me as a consumer with the right to complete, accurate, and fair reporting. I requested the information as to what third party vendor was used to verify this public record so that I could attempt to correct it at the source. The courts deny speaking with the credit reporting company, XXXX  denies reporting any information to them, and XXXX XXXX deleted the unverifiable information which this company claims to use as their third-party verification. So, if Equifax is verifying this fraud as accurate and not using the XXXX XXXXXXXX XXXX or XXXX XXXX. Who are they using for method of verification? Simply put, Equifax has lied and needs to correct this immediately by deleting this Public Record Bankruptcy off of my credit report using my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked. My personal data may have been stolen-they would not confirm. As I try to sign up for the free Identity monitoring they offer they say I must waive my right to any legal action, This is not right. The process to sign up for this service takes too long as well. I attempted to sign up on Thursday XXXX I will not here anything until XXXX/XXXX/XXXX before I can finish the enrollment process, Unacceptable -especially since they did NOT notify consumers of this hack immediately-but almost a month later.
Product: Debt collection

While reviewing the contract I noticed the incorrect date of birth and stated. The representative asked me for date of birth and my drivers license in order to correct on their end in order to state it was in fact my debt. I refused. 

XXXX  XXXX XXXX is unable to verify they have correct NAME, Date of Birth, Social number Written request has been requested and company has not complied per FDCPA.
Product: Credit reporting or other personal consumer reports

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of XXXX, XXXX being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX The current amount owed on the account. 
{$0.00} XXXX updated Date the creditor last reported information about the account balance. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Date opened Indicates the date an account was opened. 
XXXX XXXX, XXXX Account type Closed. {$5200.00} written off. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number XXXX - XXXX XXXX XXXX XXXX ( B ) & 15 USC 1681 1 ( 5 ) THESE XXXX LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Product: Debt collection

Elite Financial has contacted myself and my fiance several times over the last several months. They will not verify who they are calling from until they are asked MANY times, even after verifying for them that they are speaking to the individual they called for. They are automatically rude and threatening when it comes to any kind of resolution. I have been told multiple times I would receive paperwork/notice in the mail about the debt and how to settle it. Have received nothing at all. After telling them I would not settle the balance without further information they have continued to call my cell phone, but hang up when I answer, and they still continue to call my fiances phone, but will not give him any clear answers. They have threatened to take action on both mine and his credit if we do not resolve the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

This is a copy of my written statement I sent to Chime On XXXX XXXX XXXXXX/XX/year> I received a text message from Chime to alert me of an attempted withdraw of {$300.00} confirming if this was me or not. I responded no because I hadnt, then I received a XXXX message saying that the charge was denied and that I should be receiving a call from a customer service agent shortly. I am a skeptic about pretty much everything so I immediately requested a call back from my Chime app. Then speaking to your agent I asked where the charge originated from he told me that since I declined its not showing in his system, something like, since I declined it doesnt show, that somehow it drops from my account. So I asked about the XXXX text message I received to verify if this is the usual process and whether or not I should be receiving a call. He clearly said yes maam they are going to secure your account since it has been breached. I asked several times whether or not this is legit and he answered several times yes. As I was talking to him is when I received a call from a gentleman who introduced himself as a Chime account representative. So, Im telling you this because had your agent not said that I should expect a call to secure my account and that this was legit I would have never answered any call and this whole situation would have been avoided. It is my understand that you record calls so please pull up that conversation. 
In an attempt to prove to your business that I had no involvement in the fraud that ultimately took all of the money to my name. I have filed a report with FTC XXXX Federal Trade Commission ) as well as my local police department in XXXX XXXX ( proof in which I have provided ). I am prepared to hire legal counsel, if needed, and will continue to fight the denial of my claim until my hard earned money is returned in full. Thank you for your taking the time to read this and I will be waiting for your response.
Product: Checking or savings account

There are several inaccuracies regarding the management of my high performance checking account with PNC. After several unethical insufficient funds charges as well as previous CFPB complaints XXXX and XXXX ( a total of XXXX for both complaints that was fraudulently removed from account and never reimbursed ) which were unresolved due to Fraud that occurred on my account and PNC refusing to investigate the fraudulent activities despite me filing a police report and contacting the XXXX regarding the charges, I went into the XXXX branch of PNC to close my checking account on XX/XX/2020 and made a deposit of XXXX to bring the account current and close out my checking account, that I had for 11 years, as well as Money Market account. XXXX closed out the XXXX XXXX account but refused to close out the checking account indicating that he would have to wait until XXXX XXXX  to assure other transactions do not post to the account. Also on XX/XX/2020, I removed overdraft protection from the account in an effort to discontinue the scrupulous business practices that are implemented by PNC. In addition to making multiple phone calls regarding questionable transactions on my account, I also participated in a customer survey in an effort to speak with customer service regarding my dissatisfaction with PNC. I received a call in XXXX from a XXXX XXXX who left a voicemail message, but no direct contact phone number and needless to say, I was never able to reach her or anyone else to address my concerns. One of the concerns is how transactions were processed and I never received a consistent response. The standard response would be it's listed in your documents when you received your account. Well I still have my documents and none of what I was told is listed in there. Since my requeste to close my account, PNC has charged a total of XXXX in isf fees as well as continuous overdraft charges on an account that I requested to close over two months ago
Product: Credit card

Identity Stolen XX/XX/XXXX {$2000.00} filed a complaint with FTC XX/XX/XXXX {$1000.00} filed a complaint with FTC XX/XX/XXXX {$6000.00} filed a complaint with FTC XX/XX/XXXX {$1400.00} filed a complaint with FTC XX/XX/XXXX {$5100.00} filed a complaint with FTC XX/XX/XXXX {$3000.00} filed a complaint with FTC
Product: Student loan

Hello- I am part of the XXXX XXXX XXXX XXXX automatic discharge group. I received my borrower defense approval letter XXXX XXXX. Per the settlement agreement my loans are to be discharged, off my credit report, and any payments made and tax garnishments are to be refunded to me. All of that needed to be completed BY XX/XX/2024. That being said they have failed and missed the deadline. This has put my life on hold and deteriorated my mental health. There is a constant back and forth of finger pointing between my servicer, Nelnet, and the DOE. I can provide any documentation that is needed to investigate this issue! 

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

All accounts with XXXX XXXX XXXX on my three credit reports are individually under {$500.00} and they are trying to lump them together to show a higher balance in collections to put it on my credit! They are all medical bills and some belong to my now adult child. According to the Experian promise they stated consumers would have one full year from placement in collections for all individual collection accounts for medical bills under {$500.00} or previously paid bills to be removed or worked with creditors before placement on credit. This showed up immediately on placement with XXXX I want this removed!