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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my Apple credit card. They were made to two different airlines XXXX XXXX XXXX 
I was In the hospital on the XXXX having XXXX XXXX and continued to be in the hospital until XXXX XXXX. 
I did file a complaint from my hospital bed having seen my latest statement and had them close the account. 
This is still ongoing I was credited back three charges but not one for {$720.00} to XXXX XXXX which they have already credited me to {$230.00} with XXXX XXXX. 
Wrote a letter in XXXX sent proof of my hospitalization phone records that I called Apple card services and requested a new card. Its almost 6 months later and they keep telling me that they are not resolving the dispute in my favor. This doesnt make any sense to me Im in battling XXXX now for nine months and havent flown in years. 
Their only response in their investigation was that they basically believe the vendor, that it was me that did the charging. 
That doesnt even make sense. I need some help with this its causing me a lot of stress and Im not I dont seem to be getting anywhere with Apple support or anybody else thank you
Product: Credit card or prepaid card

T o whom it may  concern Dear  Sam club and  synchrony bank I  XXXX   XXXX  want to tell you and inform you that I am not happy with your decision of lowering my credit limit I did not authorized you to do so. But you still went ahead and keep on dropping it  Lower  and lower every time and that unacceptable. I do n't agree with ur decision. You did not contact me to talk about it. Or mail me until when you took your own decisions and never contacted me to see my options. S o fat I been g ood and keep making my payments I understand have used almost all my credit limit but hey I 'm still paying you every month so I think regardless you should not have lowered my limits. Twice already the first time I met it go bit this is insane you done it again. I want an explanation?. Why did you took that decision without consulting me. I did not wanted you to lower my limit or keep lowering it down please stop doing it. It does n't give u the permission for you to keep doing it at the end I 'm making my Payment. So what 's the problem.??? I never aut horized or accepted from you to lower down my limits. I mean I 'm still paying it even if I still used my card u still getting paid monthly payments even of its the minimum amount im.still your client. I do n't agree and would like to ask you to put all that  money back. I never agree with ur decision. It make me feel rejected left behind and at some.point discriminated. Dissapointed. I do n't want to ask for an increase now because my score is a bit lower than what it was before but regardless of my credit history and score. It should affect me since I agreed to the terms and conditions of this credit card under contract. Now you understand that if I do ask  XXXX  club synchrony bank they might denied me, but this should even had to happen why did you lower it in the  1st p lace. Even if I 'm making just Tue minimum payment im still paying u.   Please fix this mess. And give me back everything like my credit limit was before  XXXX
Product: Credit reporting or other personal consumer reports

I had a joint mortgage with my ex-spouse. She died in a house fire in late XXXX, and the estate was settled in XXXX. I had Bank of America send the refund for the residual escrow after the mortgage was paid off to my home address. My deceased ex-spouse has never been affiliated with my address on any account ever, until I gave Bank of America my new address to send the escrow refund check. Now I am getting junk mail for my deceased ex-spouse. There is literally no other way her name was ever affiliated with my address other than when I had Bank of America send that check to my address. I've tried to contact them online but they don't respond, and I can't get past their phone switch board. I want them to have whoever they sold that information to remove it from their databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXXs a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Finacial has been receiving our loan payments for quite sometime ... we have refinanced the car in XX/XX/XXXX and found that they have not been reporting the payments of the loan since XX/XX/XXXX. I placed disputes with XXXX  but they are saying its resolved and it hasnt been. I also would like this updated with XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the accounts from my reports.
Product: Credit reporting or other personal consumer reports

Yes I will try to be as specific as I can I on a couple occasion try to send the information that I attach to this complaint to the credit bureaus Equifax XXXX and XXXX that I paid set an account with the collection agency and I waited for them on a couple of occasions too we move it or change the inaccurate information on my account and the information is damaging to my personal finance and I would like to have it removed and also as you can see I have records showing that I paid the question agency this amount and is still showing in the documents that I attached that derogatory but it's not I settled this account with the clutching agency I just want it removed
Product: Debt collection

XXXX XXXX of SRA collections left a voice message on my work voice mail regarding an alleged debt i owe. XXXX XXXX left a detailed message on a non private voice mail system which my assitant has access to. Im currently away on business trip and she is checking my messages, this is illegal according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record on my Transunion credit file I have submitted documents to dispute this item with no response. I have sent these documents certified mail so i know they received them.. I requested a method of validation for this bankruptcy that transunion says is accurate.. i contacted the furniture of public records which is XXXX and disputed this information I received evidence that there no record of a bankruptcy or ref number to that account in their system.. so Transunion claims to be verified as accurate is either untrue or just a lie but this information is inaccurate and should e removed immediately, I also sent identity theft and police report in regard this this matter and 12 INQUIRES that have not been address
Product: Vehicle loan or lease

Robocalls would start 5 days ahead of due date XXXX XXXX of every month ) and continue till payment was made. Loan contract stipulates 10 day grace period with no penalty. Calls started XX/XX/XXXX & continued till I refinanced with another company in XX/XX/XXXX. Made numerous complaints to Westlake to not call. Was told to call in ahead of payment date to let them know what day I would pay.
Product: Money transfer, virtual currency, or money service

I deposited a check for {$110000.00} XXXX to my account at First Horizon in XXXX, Tn., back in XX/XX/XXXX. After 2 months I finally got the deposit in the amount of {$82000.00}. According to the exchange rate at that time, even with the lowest rate, I was expecting more like {$85000.00} USD.
Product: Credit reporting or other personal consumer reports

Experian is alleging I owe a debt listed as XXXX  XXXX XXXX but has provided me with no documents to inspect for myself to see if this is indeed my debt. Who did they speak with that validated this debt and why have I not received any notice of my right to dispute this debt before it was furnished to my consumer report. Under FCRA the credit bureaus are required to report accurate information but Experian has failed to follow these guidelines as they are required too.
Product: Debt collection

In XXXX I had a XXXX  XXXX  card from a checking account I opened in XXXX of either somewhere between XXXX of that year, I started to personally use my credit card in the beginning of XXXX but once I moved from XXXX XXXX XXXX XXXX XXXX my card was lost the week prior and never noticed until I moved, I immediately did my best to make light of this situation to the bank but they gave me a run around and I decided not to pay off something that is stolen. I also have student loans from a school I got kicked out from academically, that was the only time I took a loan out and ended up not going to the school
Product: Credit reporting or other personal consumer reports

Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded these agencies be remove these accounts from my credit report. That I did not give permission to be there.
Product: Credit card or prepaid card

Dispute for a refund due from XXXX online store. Purchase made in XX/XX/2022 but has not been refunded to this date despite XXXX saying they would refund. 

A dispute attempt was made but then reversed after all the requested information was provided to bank of the west. Bank of the west then reversed the credit and requested more information. The information was provided, the bank then requested more information and that information has been provided to them. The dispute however was not restarted. 

XXXX is telling to wait another week for a refund " to be processed '' but this keeps happening every time I contact them week after week. The merchant does not dispute a refund is owed. Bank of the west dispute employee XXXX XXXX has all the information she requested but at this point nothing seems to be progressing in terms of restarting the backcharge. The amount is XXXX XXXX order numer is XXXX XXXX CASE XXXX.
Product: Debt collection

I sent Validation of debt letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/22 which they received on XX/XX/22. In the letter i asked for a number a verifiable documents that would prove that their company was authorized to collect this alleged debt as well as a signed contract between me and the original creditor and a signed agreement between me and PORTFOLIO RECOVERY ASSOCIATES which grants them authorization to collect this alleged debt. They have not provided that information. I also stated that if any of my verification requests were not completed entirely, they their claim and or response would not be accepted. They did NOT sufficiently validate this debt.Their company responded with statements that had balances that did not match the amount they are collecting. Also, in their initial response they had a statement that read : " THIS IS A COMMUNICATION FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT '' which is illegal according to 12 CFR 1006.18 ( E ). The original amount they are collecting is {$1100.00} but the amounts on the statements are {$1300.00} and {$1300.00}. They are in violation of a number of laws according to the FDCPA. 

VIOLATIONS 12 CFR 1006.34 ( C ) ( 2 ) ( VII ) - NO ITEMIZED DATE PROVIDED 12 CFR 1006.34 ( C ) ( 2 ) ( VIII ) - AN ITEMIZATION OF THE CURRENT AMOUNT OF THE DEBT REFLECTING INTEREST, FEES, PAYMENTS, AND CREDITS SINCE ITEMIZATION DATE. 

12 CFR 1006.34 ( C ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUNT CONSUMER PROTECTIONS 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR 1006.34 ( D ) ( 1 ) FORM OF VALIDATION DISCLOSURE 12 CFR 1006.18 ( E ) DISCLOSURE REQUIRED
Product: Credit card or prepaid card

MILITARY STAR IS IN VIOLATION OF THE FRCA. THEY HAVE AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE.
Product: Mortgage

Nation star bought my mortgage and then became Mr Cooper. Any time I have called this bank with an issue they will make me jump through hoops and avoid the real problem. Examples are : I called to find out why my monthly payments went up. The person I was speaking to decided to crunch numbers. I explained I'm not an accountant and asked if my insurance or tax 's went up. They refused to answer me and continued to go through the numbers. 
During covid all my loans where allowed to skip 3 to 6 months payments. Mr Cooper wanted to go through another mortgage type of application. I didn't go ahead with it as I believe they wanted to use that to raise the interest rate.

Most recently I wanted to pay a large sum against the loan and called to be sure it all went to the principle. I was told I had to make the payment over the phone and they don't take credit cards.

I had previously made a large payment and called ahead to tell them I wanted it all to go to the principle and they used a portion for a monthly payment against my wish 's. There is more and I see a lot of people complaining on their XXXX XXXX page.
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

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

Issue # 1 : I wasn't aware that I had an account with Wheatland Bank. 

I started an account with them when I was XXXX back in XXXX for direct deposit. I switched employers and opened accounts with another financial institution in XX/XX/XXXX. At the time I asked Wheatland to close all of my accounts. They did not tell me that I had any other accounts. I did not know that my mother had added me to her account at Wheatland when I was XXXX in XX/XX/XXXX. I don't know how a minor would legally be able to be added as a joint owner of an account since they can not agree to agreements and disclosures. When I brought this up to them, they said that fact didn't matter since I was no longer a minor and that to do anything about it I would've had to request to be removed from the account ( that I didn't know I had ) when I turned XXXX. 

I asked for a copy of the agreements and disclosures that I had " agreed '' to at XXXX and was told that they couldn't provide a copy since the disclosures had changed since I was added to the account. I received no notices that said disclosures were changing nor any documentation from Wheatland bank showing that I still had an account. My mother is the primary owner of this account. 

Complaint # 2 : Excessive Fees Skip ahead to a week ago, I got a call from Wheatland Bank letting me know that my account is negative {$1700.00}. I went in today to ask how I still had an account and they let me know that I was on an account with my mother and the account had gotten overdrawn on XX/XX/XXXX. Reviewing the account it appears that there was a purchase at a grocery store for {$1400.00}. 

( My mother is in the process of disputing this transaction because she only shops for groceries for herself and my sister who lives with her. There is no way that they would buy ~ {$1500.00} worth of groceries. ) Since that transaction came out, it left my mother who is on XXXX XXXX with {$11.00} in her account. The card was afterwards used in multiple stores, used to pay for several monthly bills and even used at an ATM twice without my mother knowing that the account was negative. In all she was charged with {$230.00} worth of fees and the negative balance will completely absorb her next XXXX deposit of {$1400.00}. 

Of the fees that were charged 7 were non-sufficient funds fees of {$30.00} and there were an additional 9 {$5.00} fees labeled " Continuous Overdraft Fee ''. It appears that they are charging her even more fees because she got overdraft fees. 

How is it possible that the card allowed multiple ATM withdrawals with a negative account balance? 
How was a minor allowed to be added as a joint owner on an account? 
Why was I not given any information about the disclosures on the account changing, and why did they not tell me I was still on an account in XXXX when I asked to close my accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed complaint XXXX and getting a response saying Im a third party
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX XXXX XXXX, XXXX by XXXX XXXX Attorney XXXX Division of Consumer & Business Education , FTC If you have a credit report, theres a good chance that youre one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

Here are the facts, according to Equifax. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that  consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''