23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I received a call from a woman who identified herself as an employee of Regional Finance and inquired when I will be paying the loan they have in my name. I never took a personal loan from Regional Finance and had never heard of the company so I told the woman exactly that. She nonchalantly told me " ok I'll transfer you to fraud '' as if this happens every day! XXXX XXXX answered the phone for the fraud department. She informed me I need to fill out & get notorized an affidavit stating I had no involvement with the loan and give her a copy of my license and a police report. So I did all of that the same day ( XX/XX/20 ). I also filed a dispute with XXXX. 

About 2 weeks later I received something in the mail from Regional Finance. When I opened it I discovered it was a packet asking me to get an affidavit signed and notorized stating I had nothing to do with the loan. At this point I can only assume XXXX did nothing with the information I gave her. I called Regional Finance to ask them if they had any information or status on the dispute I already filed -- there was no one there because of COVID-19. So I filled all the paperwork out once more and mailed it to Regional 's HQ in XXXX, SC. 

On XX/XX/XXXX I was informed that XXXX  deemed my loan as " accurate ''. There is no information as to how or why that happened. There is no one available for a phone call. Their " help bot '' only directs me to the dispute center when I try to receive more information. So I filed another dispute. On XX/XX/XXXX, I also lost that dispute. 

At this point I filed a complaint with the Texas Attorney General and waited to hear back. It is now XX/XX/XXXX and I have heard nothing ; but I received a notice that " my '' Regional Finance account has been updated to delinquent status. I did not take out this loan so I will not pay for this loan. 

I need this removed from my credit report and rectified immediately.
Product: Checking or savings account

Chexsystems has 2 accounts reporting on my account from XXXX XXXX and XXXX XXXX XXXX XXXX that are not my accounts and refused to remove them! They have not sent any verfication to me when asked!! I never had theis accounts open and it is causing banks to decline me for opening a account.
Product: Credit card or prepaid card

I have been trying to work with Chase bank for many months and was told that I would not receive assistance unless I was past due, then I was told that I do not qualify for a hardship plan. I filed a complaint with the company but while they investigate my account continues to get delinquent and is reporting as such on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX
Product: Mortgage

Hello, My account has recently been taken over by Loan Care. I can not get in contact with them. I was able to speak with them one time, but nothing after. I received some tax bills and, since my taxes are in escrow, I wanted to know if they are paying these. I've been trying to find this out for weeks. They will not answer the phone and then their automated system hangs up on you. Also, I can not seem to access the website. Please help! What should I do? My taxes will be late if I do not find out this information. I'm helpless to them as I did not sign up with them, my loan was sold to them and now I can not seem to do the business that I need to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX XXXX XXXX XXXX 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports XXXX XXXX late payments in XXXX, XXXX and XX/XX/XXXX. 
Experian : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did run my credit four times. According to the document I signed. It was supposed to be one credit run in Transunion however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Product: Checking or savings account

I recently refinanced my loan with Bank of America ( BofA ) I have three financial instruments with them.

1. Property Loan of XXXX XXXXXXXX. Collateral- Real estate valued at XXXX XXXXXXXX per recent appraisal hired by BofA 2 . Line of credit of XXXX XXXXXXXX and a XXXX XXXXXXXX corporate card - These two financial instruments are secured by a XXXX XXXXXXXX average accounts receivable due for work completed by my company I pay my monthly principal and interest obligations on time and never defaulted on any payments that were due. 

On Friday XX/XX/year>, I get a phone call from BofA stating they need XXXX XXXXXXXX deposited into their facility and to find a new bank in two weeks to refinance our they will foreclose on my property and there will be a loss of 50+ jobs. They were also talking to me very aggressively and maliciously. 

We are also the largest employer in the XXXX XXXX XXXXXXXX, TX. I imagine this would also affect multiple employees in the area. 

They are upset because I have not had the opportunity to pay the line of credit down. 

The reason why I have not been able to pay the line down is because my business has been growing and I had to pay other debtors so we can keep growing. They clearly don't understand my business. 

I've been a customer with BofA for over 35 years and never have defaulted on any of their financial instruments. 

Contacts for BofA- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this complaint expedited please!!! 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I signed up for a new checking/saving account with BECU. There was a promotion where I would earn {$100.00} if I met certain requirements. After being told I had met the requirements needed to earn the {$100.00} bonus by multiple BECU employees, I still have not received the bonus. The following chat conversations occurred over the next few months : XX/XX/XXXX Me : I recently signed up for an account to receive a {$100.00} bonus. Can you confirm I will receive this? 
BECU : After reviewing your account I do see that your account was part of the referral promotion we have going on currently and that you've completed the requirement of having 10 or more qualifying transactions go through the checking account within the first 30 days of opening your account. Due to this you will indeed earn the {$100.00} but the accounts will need to be open for 90 days before this will be paid out, so this a little after XX/XX/XXXX and this payout will be placed into your savings account. 

XX/XX/XXXX : Me : On XX/XX/XXXX the representative I spoke with told me Id already met the requirements and I should see the {$100.00} posted shortly after XX/XX/XXXX BECU : I can confirm that you have met the requirements, including the accounts being open for 90 days. From that 90 day period, which was XX/XX/XXXX, the bonus is deposited within the next 30 days ( 120 days total ). 
Me : So I should definitely see the bonus posted by XX/XX/XXXX? There is nothing else I need to do? 
BECU : What I can see on our end is that you are indeed on the list that the requirements have been met, so you should see that within 30 days since XX/XX/XXXX. Again, I apologize this information was not clearly provided in our previous replies. No, there is nothing else you need to do on your end. 

XX/XX/XXXX : BECU : I have reviewed your accounts and I am sorry that you did not satisfy the transaction requirement for our {$100.00} Refer A Friend promotion. 
Me : If you look in the chat history several other BECU employees stated I had met the requirements BECU : I am truly sorry and I will address this with my team members, but I have reviewed your checking account and you may reivew your account online as well and you will see that the transaction requirements were not satisfied
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected :
Product: Checking or savings account

I keep getting charged with unauthorized charges from a company called XXXX XXXX I told my chime bank that I do not authorize or cosent to withdraw money from my account in the amouth of XXXX multiple times. I tried to resolve it first with chime bank like I always do and like chime always does they did not approve my claim. So now I am trying with CFBP.
Product: Credit reporting or other personal consumer reports

All of the listed inquiries were unauthorized and Im a victim of identity theft can you please remove these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of the credit report that I requested from XXXX. Upon further review, it appears that XXXX is still listed on my account. This account was disputed along with a collection that was placed on my account from XXXX XXXX. They participated in illegal debt collection practices by adding the collection to my report without first sending me a letter stating they were collecting on a debt. They also reached out to members of my family and disclosed the debt. I requested additional information regarding this debt from both XXXX XXXX XXXX XXXX account XXXX and XXXX XXXX  and never received documentation supporting their claims. This account was opened fraudulently on my account, and to date still has not been removed. The collection account was closed and removed because they did not have supporting documentation and they participated in legal practices, while XXXX XXXX XXXX XXXX XXXX trying to collect on this same debt, even though XXXX XXXX stated they owned the account. On my credit report, in the remarks it states the account was transferred to another lender, however I still have not received any documentation and it has been over 5 months.
Product: Debt collection

Hello, This was a vehicle loan and I was in an accident in 2016. I could not fix the vehicle, so Alaska USA took the vehicle, fixed it and auctioned it off to satisfy the remaining of the loan. They closed the account stating it was paid in full. However, it is still showing on my credit report as negative. Alaska USA added the following comments to my report Remarks : Charged off as bad debt Dispute resolved ; customer disagrees This needs to be taken off of my credit report please.
Product: Debt collection

I took out a title loan years ago for a vehicle that now has a bad engine. I told them that I could no longer afford to pay for something I 'm not in possession of. They requested a voluntary repo report or a payment. I informed them that as soon as the lien holder provides me with the documents, I would forward them to them. I asked them to stop calling & leaving voicemails multiple times. They have continuously called asking for a payment. After I told the office manager that they were harassing me & that I was going to file a complaint, he said " the store is closing anyway so do what you got ta do. '' I 'm now doing what I have to because this is ridiculous.
Product: Credit reporting or other personal consumer reports

Remove Inaccurate Late Payments NOTE : If you notice a payment was listed as late in error please submit proof along with this letter to the bureaus. 

Dear ( Credit Bureau Name ) I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX XXXX XXXX I was never late on ( XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX XXXX ++ XXXX I was never late on ( XXXX OR XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX XXXX XXXX I was never late on ( XXXX OR XXXX OR XXXX OR XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX XXXX ++ XXXX I was never late on ( XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX ++ XXXX I was never late on ( XXXX OR XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX ++ XXXX I was never late on ( XXXX ) on this account please update the account as Paid/Current. 




THESE ACCOUNTS LISTED BELOW ARE INVOLVED IN LITIGATION! 
( XXXX XXXX XXXX ) ( XXXX XXXX ++ XXXX ) ( XXXX XXXX ++ XXXX ) I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Product: Debt collection

I have been sued for a debt that I do not owe, and that I have repeatedly told XXXX, plaintiff in the law suit, that I do not owe this debt. They have also reported this debt on my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 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/XXXX
Product: Mortgage

The refinance application made on XX/XX/XXXX with Bank of America was canceled without notification. I believe it was canceled on XX/XX/XXXX however as of this date, XX/XX/XXXX, I have only anecdotal evidence the loan was indeed canceled. I received further documentation from Bank of America on XX/XX/XXXX showing loan estimates and loan program disclosures. It appeared to me that we were proceeding accordingly with completing the loan process. I have made several attempts at understanding why however no one at the bank has come forward with any answer. I also filed a complaint on line at the bank website two weeks ago however no one has contacted me regarding the complaint. I believe I have provided all documents required to close on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked with Acima several times and I have no complaints until now. On lease XXXX. I paid them off in 90 days and was NEVER LATE. The last payment I made was on XX/XX/XXXX. My bank, however, processed the last payment I made to them as a check and charged me several fees regarding that transaction. I used a Credit/Debit card to complete the transaction. I called Acima and told them about the problem they assured me that They did not process it as a XXXX XXXX XXXX and told me that I would have to dispute it with my bank. Per their instructions, I disputed the information with my bank about how the final payment was made. This opened up a long and unnecessary process with acima where they tried to make me pay more on a lease that was CLOSED. I spoke with several of the managers with Acima and XXXX XXXX because Acima was saying that I didn't finish off paying them because the last charge was in dispute status. I explained to them that I advised my bank, XXXX XXXX, that the charge was valid and therefore did not receive anything back from the payment I made to close the account. I was advised by Acima Representatives that this was part of the dispute process and as soon as they finish up with the Bank that they would fix all the information concerning the dispute that they advised me to begin. In the process Acima kept charging my accounts that were on file I had to call again and speak with another manager in XX/XX/XXXX and was advised that they would notate the account and whatever payments that were made would be refunded and to take the account off autopayment so they would stop hitting my accounts. I followed their instructions and then they began trying to send the account to collections. I had to call in XXXX and speak with one of the higher-ups in the company by the name of XXXX who advised me that as soon and the chargeback was won and closed between them and my bank that they would still honor the XXXX payment close we agreed to which I closed in XXXX. It took until XX/XX/XXXX for the claim to close ; when the claim closed I had to call them AGAIN because they began trying to send the account to collections. I had to advise the agents to check the notes and see that XXXX already said once the chargeback was over they would honor my history and payment closeout date which was XX/XX/XXXX. They had to do something called a " hard close '' and manually close the account and told me that it would take 7-10 days for the account to reflect my history. However as of XX/XX/XXXX Acima is still reporting that I was late paying my lease off with them. I have disputed this XXXX with XXXX and they are claiming that Acima is saying that I was late. As a consumer I have the right to a credit report that is 100 % accurate and this account isn't reflecting correct information and is damaging my score. Also Acima is stating that I have " poor lease performance '' even though I've closed the majority of my leases in XXXX NEVER being late.