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

submitting this complaint against XXXX there is no third party involved. XXXX dBA ' XXXX XXXX XXXX XXXXXXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Product: Debt collection

Capital One Auto Finance illegally repossessed a vehicle that I had financed through them. They are and were in violation of Fair Debt Collection Act, Fair Credit Reporting Act, and Antitrust Laws. The bank has continued to illegally monitor my accounts beyond the scope of what is necessary to conduct day-to-day operation and violate my privacy rights by disclosing sensitive financial information to their affiliates. 
With respect to the vehicle that was repossessed, Capital One repossessed the vehicle in state outside of venue for the contract. They repeatedly harassed me through mail and phone calls despite being asked not to ( also in a state outside of venue ). They violated my right to privacy by tracking and monitoring my physical location illegally They breached my contractual right to third party arbitration although I requested this. They are in violation of my right to due process by continuing to threaten legal action and taking none. They are also in violation of the Fair Credit Reporting Act by continuing to report negatively to the credit bureaus on the account past the reasonable scope of law. 
In addition to this Capital One retaliated by reporting a missed payment on a Credit Card account that I had maintained as current with them for over twelve years although there was no missed payment on the account. This is an accounting tort of law where they adjusted a bank ledger to reflect events that did not occur.
Product: Checking or savings account

Huntington sold my account to XXXX XX/XX/XXXX. I have attempted 3 times to get statements from my Huntington account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 3 times, and each time I get passed around. By the time I reached someone, they said I needed to call XXXX XX/XX/XXXX. This makes no sense, because XXXX didn't have my account at the time. I've spent hours trying to do this, and it is preventing me from obtaining financing on a home purchase.
Product: Debt collection

Date Was Paid XX/XX/2022 They Even Sent Out The Deletion Letter So I Emailed Them With A Copy Of Receipt Paid In Full Didnt Receive Any Feed Back So Know Im Moving Forward With The Complaint And Its Still On My Credit Report..
Product: Credit reporting or other personal consumer reports

This evening, I was disheartened to find unauthorized inquiries on my credit report, and I dont understand why theyre there. When I routinely checked my credit report, these discrepancies seemed to appear out of nowhere. I tried refreshing my browser, hoping it was a technical issue, but the inquiries didnt disappear. Therefore, Im asking for a thorough examination of the documents Ive sent to ensure this is fully resolved and I can have peace of mind.
Product: Debt collection

On XX/XX/XXXX of 2016, Fair Collections and Outsourcing called me personally three times ( At XXXX XXXX, XXXX XXXX, and XXXX XXXX, leaving messages all three times, please see attached phone bill to prove this ), my wife three times, my wife 's grandparents, my wife 's parents, and my parents on the same day.

Besides the fact that this debt was erroneous to begin with, this harassment was unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have notified the companies Equifax, XXXX and XXXX of inaccurate information being reported on my credit report by the company XXXX. It is to my understanding this information should be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

Hello, On XX/XX/XXXX, I was provided a {$5000.00} from XXXX XXXX aka XXXX XXXX XXXX. 

The term 24-month title loan with a {$1800.00} finance charge - total repayment should have been {$6800.00}. 

By XX/XX/XXXX, I paid the loan off completely total payments were {$6600.00}. I was provided a {$200.00} credit for paying it off 20 months early. 

On XX/XX/XXXX, my mortgage officer stated I had an open car loan with the above company with a balance of {$2900.00} and monthly payment of {$370.00}. 

Since I had paid that loan in-full, I knew this was an error and called the company immediately. They informed me that I had purchased {$1500.00} additional service package when I received the loan. They stated there was nothing they could do for me and that I must pay. 

Please note, the day I received the loan was I was in a jam and needed the money quickly to repair my truck for work. The contract they provided was in English and since I don't read English well I had to rely on the honesty of the companies representative. 

Unfortunately for me he was not honest.. Since this {$1500.00} package was never mentioned. I recently found out they have a common practice of selling you additional services with providing full disclosure. 

The finance charges XXXX XXXX are charging should be illegal. But I would have never complained, because they lent me the money when I needed it. 

They purposely provided me a contract that they knew I could not understand and did not disclose the additional fee. This practice is extremely deceitful and should be illegal. ( My daughter is translating this letter for me ) Sadly for me and my family we are about to lose the opportunity to purchase a home because they are trying to swindle us out of an additional {$2900.00}.
Product: Other financial service

I wanted to write and voice a concern involving the banking practices of Regions Bank and possibly others. My mother had surgery on XXXX and spent 14 days in XXXX. During this time her home was broke into and her Television was stolen. Upon returning her to her home she wrote me a check from her Regions back account and asked me to cash the check and go buy her a new television. I pulled up to the drive through and presented the teller with my mother 's regions check and my driver 's license. I was informed that I would be charged {$4.00} since I was not a member plus I would have to come inside. 


My first concern:1. laws, rules/regulations that allow Banks such as Regions to charge a fee to cash a check that their customer wrote is not customer service. This ultimately will result in an increase fee to their members/customers. For example : when an individual pays for services with a Regions check, a non-member will have to charge an extra {$4.00} because it was written from a Regions bank account. if these fees generate XXXX to XXXX revenue per month, putting this fee back on the account holders will result in them finding other banks to conduct their business. 

2. Is This type of business conduct " Bank Bullying '' non-members are being strong armed/forced into opening an account with their bank requiring an minimum deposit or else face a fee. This state needs is tighter control, consistency and continuity across Alabama Banks. This type of fee is unreasonable and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not have access to my " online account '' for 3 months due to my family being severely affected financially and physically by COVID-19. 

When I was finally able to log in, I noticed I had a " delinquent account pending '' I immediately called and spoke to representative, explained to them the situation and paid the full balance. I also informed them that I had a financial hardship and that I was not aware that I was being charged a fee every month and that I never received a single phone call, or a letter in the mail stating that " my account was past due or I had " delinquent fees '' and how severely it was going to affect my credit line and score. 
They stated that because I had selected the " paperless '' option, they did not contact me directly. Therefor they marked my account as delinquent and affected my credit score tremendously. 

Citi/Best Buy credit line, did not care about the fact that I have been a loyal customer for over 5 years and that my family and I were affected severely by COVID-19. Never had I been late in any payments and even after I explained my situation, they showed no empathy and decreased my credit line from {$6000.00} to {$350.00} for " owing {$20.00}! '' If they would have called ONCE, I would have taken care of this payment immediately. 
Their team has poor communication skills and they do absolutely nothing to help resolve any credit issues. Their credit department advised me to go through the " Credit Bureau to see if they can further assist me ''
Product: Credit card

I received a XXXX for the tax year 2015. I filed my 2015 taxes and included it as taxable income. I pay taxable income for federal and state taxes on the XXXX Chase Credit is still reporting to XXXX credit reporting agencies that I owe a balance of {$3900.00} after the debt has been discharged and cancelled. I have made numerous calls to Chase. I have disputed the balance with XXXX credit reporting agencies, but Chase Credit Card company says there is a {$3900.00} balance. I am applying for a home mortgage, but with Chase Credit Card balance they will not do a loan. They know that Chase will put a judgement against the home. Also Chase Credit Card is lowing my credit score by showing the balance is over the {$3000.00} line of credit by 128 %. The XXXX has box # XXXX checked states " decision or policy to discontinue collection ''. Box # XXXX has the discharge date. Of XXXX/XXXX/2015. Box # XXXX states " amount of debt is actually or is deemed discharged ( canceled or forgiven ). I know this is a new area with XXXX discharging debt, but they can not receive the Government Tax write off and still want to collect money. It is against the law for Chase Credit to sell this debt to a collection company to try to collect money that I reported on my federal and state returns as taxable income and pay taxes on their issue of a XXXX. I am also contacting the Attorney General of South Carolina with this problem with Chase Credit Card. I understand that Chase Credit will still report my account as closed by creditor, but I want the {$3900.00} balance that is not owe, to be removed from XXXX credit reporting agencies. Thank you
Product: Checking or savings account

I deposited {$500.00} on XX/XX/2024 at XXXX XXXX at Huntington bank ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

The ATM showed a message saying the amount is on hold for security reasons and i should contact the bank. 

The bank opened a dispute and gave me a temporary credit for the amount. They then took the credit back and told me the dispute was denied on XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I was scheduled to receive services from XXXX  XXXX   by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MS XXXX. The merchant was unavailable and charged my checking account for {$50.00} ; I did not receive any services. The merchant has not responded to multiple attempts to recover fee via email and phone calls.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my LAST written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I was sent to the hospital on XX/XX/XXXX. I was held for five hours and released. I later got a bill from XXXX that was very high so I called and told them I had insurance and they sent me the new amount owed which was {$120.00}. At the time I was struggling because I was leaving an abusive relationship and I had lost my well paying job because of this abusive partner. I fell behind with bills since the new job I had gotten was not as well paying as my previous one. I  needed to use what money I earned to catch up on my car payments and my auto insurance so I could still get to work. In XXXX of this year ( XX/XX/XXXX ) I paid the bill. In the pictures, it shows the amount owed. I had to tear the top portion off because since the hospital billing would not answer, I had to physically write my credit card information in and send it to them in the mail. I payed {$120.00} which was the amount sent to me by XXXX. It was the most recent bill and it said EXACTLY {$120.00}. I have received two collection notices from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and I have spoken to them twice and emailed them proof of payment TWICE that I paid! I have a credit card statement PROVING I paid. Another debt collector is now harassing me for payment. Americollect sent me a bill yesterday ( XX/XX/XXXX ) billing me for {$660.00}! Im being harassed by TWO companies over a debt I paid THREE months ago! Im very upset and its stressing me out.
Product: Money transfer, virtual currency, or money service

I attempted to sign in to my account to purchase some new stock. The sign in will not let me access my account without and ID. I've had this account for about 5 years. When I moved from IL to TX they didn't ask me for any information when I changed my address. Now the emails I am receiving from their support keep telling me I have to uplaod my ID and do a biometric scan. I will not do this. The Robinhood site clearly states I do not have to to this to use their service.
Product: Credit reporting or other personal consumer reports

I was a victim of human trafficking and was notified about the opportunity to mitigate the effects of this harrowing experience on my financial situation today. I submitted a request to Equifax as the XXXX XXXX XXXX on XXXX, along with the requested supporting documnetation. A few hours later I received a request for information that said I needed to submit all documents within 4 days. A few hours after this, I received notification that the investigation was complete and that I was being denied protection. All documentation is attached.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 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!

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

They stopped bill pay services in XXXX 2022 and charged major fees associated with small overdrafts when deposits were made same day
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me. 

account name- date opened- amount XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX