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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXX 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 fumish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

THIS IS A COPY OF THE COMPLAINT I FILED WITH ELAN FINANCIAL SERVICES : This is a complaint : I first began using my card in XXXX I set up autopay to pay off my card for the first time onXX/XX/2020 for the balance due THE COMPLAINT : Fidelity user interface is OPAQUE! I had no idea there was a past balance due because the Fidelity user interface does not provide enough statement information, such as prior balance. It just shows the balance. 
I unknowingly believed I was paying the full amount on time. 
I received a past due amount notice and I called Elan Financial services three times to resolve problems. 1. Confirmed I would not be charged a late fee and confirmed my credit report would not be listed as paid late. 2. I immediately canceled the scheduled payment and entered a pay today payment XX/XX/20 for the full amount. 3. subsequently, my credit card was frozen, unbeknownst to me, and a bill I wanted to pay was rejected after I cleared up the payment problem with Elan Financial Services . 
The Fidelity User interface is extremely poor. So bad, that in fact I'm considering canceling this account completely. Elan Customer Service is good ; Fidelity Credit Card User interface is user unfriendly and lacks transparency that I thought was required by law on credit card billing web interface. No other solution than " this needs to be changed '' is acceptable. 

The Fidelity user interface MUST clearly show past amount due, or late balance. 

I will be filing an online complaint with the Consumer Financial Protection Bureau regarding this matter. 

You may contact me directly at XXXX for further consideration regarding this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts more than 7 years and 180 years old continue to be listed on my credit reports. There are 2 accounts in collection status and 20 closed, charged of, or accounts that show a current balance that are older than 7 years and 180 days old. The dates on all these accounts continue to be updated by the original creditors so it will appear they are not old enough to be removed and are never dopped from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Product: Debt collection

Wakefield and Associates began contacting around mid year of XX/XX/XXXX in regards to a medical debt originally from XXXX XXXX Hospital. I informed the company at the time that the debt had been paid directly through XXXX XXXX Hospital. I informed Wakefield and Associates that the amount that they had was also the incorrect amount. I then contacted XXXX XXXX who stated that the debt should take care of itself since I did pay it directly through XXXX XXXX. Since then Wakefield and Assoc. have been increasing the debt by {$1.00} every so often. I have contacted them again and asked for them to remove the debt as it has been paid. I have a receipt that requested from XXXX XXXX as proof that the payment was made on XX/XX/XXXX. XXXX XXXX billing even stated that this company should not be collecting on this debt.
Product: Consumer Loan

I am late with my car payment. I called Credit Acceptance Friday XXXX XXXX, XXXX and made a payment arrangement for Friday XXXX XXXX, XXXX. I explained to the repersentative that I had just started woring full time and would get my first check on Friday and I could make the payment. Today I went to drop my daughter off and my car would not start. I called Credit Acceptance and asked if they disable the car and was told they did not. I called 3 times and each time the rep acknowledge that I had a payment arrangement for Friday and asked me if I wanted to make a payment then. I explained why was calling and each time I was told they did not disable the car. The last person I talked to I told her that I had someone to look at it and was assurred it was the realy switch. I was put on hold for about 5 mintues. When the rep returned she said she was trouble shooting but could n't get a response. I was told to have the car towed to the dealer and have them to look at it to see if it was defective. If it was n't I would have to pay for whatever was wrong with the car.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account ECMC which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ECMC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out serval times asking for them to verify this info still haven't done it. I asked what method did u get this from please send the original purchase agreement to verify this debt of {$11000.00}, {$4700.00}, {$10000.00}, and {$10000.00} no action has been taken since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries, i have never applied for these companies.
Product: Student loan

I have {$3000.00} in loans that are currently being serviced by XXXX XXXX. The company is absolutely atrocious in terms of accepting payments and access to payment options. The company website breaks any time I have a loan payment due. Two months in a row now I have tried making payments through their website within 3 days of the actual due date. However, when I reached this three day window, the website will no longer allow me to log in. It says that my " credentials are invalid '', even though they worked before. In addition, the website will not allow me to reset either the password or username so I can obtain access. When I am able to get access, the website system will reject payments that I try and make through it. I'll receive a notice on the page saying " payment accepted '', but then the website will error out and log me off. When I log back in ( again, dealing with aforementioned issues ), all of the progress I made is erased and the payment never went through. When I tried linking a payment account to avoid their outrageous and unfair fees ( {$12.00} interest on a {$50.00} loan payment, plus 3.95 % and a flat {$1.00} fee ), the website refuses to accept the inputed account information. It will not automatically make payments as it says it will. Finally, whenever I call or try to use the live chat during business hours, I never get a response. Last month I was bounced around a phone system and on hold for over an hour and thirty minutes, just to be disconnected once I reach a human call center agent. All I want to due it pay my student loans without the threat of late fees, etc., from a company that refuses to accept my money.
Product: Mortgage

XXXX filing complaint due to missing payment from XXXX XXXX for the month of XXXX my payment has not been applied to my mortgage spoke with XXXX XXXX who stated my payment was sent out via mail same as past payments my account is 35 days past due and I have escalated with XXXX  to investigate payment which is in process but was told bank should have payment
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are XX/XX/XXXX% accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX 's on XX/XX/XXXX and XX/XX/XXXX an auto loan account opened at XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at Consumer XXXXXX/XX/XXXX XXXX XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Here is the updated dispute letter with the requested changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date : XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Notice of Legal Action Under FCRA and CFPA Dear Experian, I am writing to formally dispute multiple inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5481 ]. This letter serves as a legal demand for correction and a notice of intent to pursue legal action if compliance is not achieved. 

The following accounts and inquiries are inaccurate or unauthorized : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. Bankruptcy XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. All soft inquiries Violations Cited : Failure to Conduct a Reasonable Reinvestigation ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] ) : Your failure to conduct a proper reinvestigation of disputed accounts violates the FCRA. 
Failure to Notify and Forward All Relevant Information ( [ 15 U.S.C. 1681i ( a ) ( 2 ) ] ) : Experian is obligated to notify furnishers of disputes and provide all documentation submitted by the consumer. 
Failure to Assure Maximum Possible Accuracy ( [ 15 U.S.C. 1681e ( b ) ] ) : Inaccurate information remains on my credit file, impacting my financial reputation.

Unlawful Reinsertion of Deleted Information ( [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( C ) ] ) : Reinsertions have been made without proper certification or notification.

Remedies Demanded : 1. Immediate removal of all inaccurate accounts and inquiries listed above. 
2. Compensation of {$1000.00} per violation for damages caused by XXXX noncompliance, as allowed under [ 15 U.S.C. 1681n and 1681o ]. 
XXXX. Full written notice of the results of the reinvestigation and updated credit reports reflecting the corrections made. 

Failure to comply with this demand within 30 days of receipt will result in the initiation of a lawsuit to enforce my rights under the FCRA and CFPA. This letter also constitutes my pre-suit notification. 

Please direct all correspondence regarding this matter to the address provided above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have contacted Portfolio Recovery Associates, LLC with 2 written  letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt. These accounts are listed on my credit reports as collections.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/2017 I went thru the Why Not Lease IT Program at XXXX XXXX and purchased a lawnmower for XXXX Tax included. The XXXX XXXX said XXXX for 10 months which amounted to XXXX the pay balance XXXX I finished the XXXX then forgot about it and seen on my bank statement they took out XXXX more payments which totaled XXXX and they still tried to make me pay more. 

I have sent them a letter stating the same thing and showing what I paid and what I over paid.
Product: Mortgage

I obtained a loan modification from Ocwen. My statement shows that Ocwen took {$1700.00} from my escrow account as a Loan Modification Balance Adjustment. It is my understanding that only taxes and insurance are to be taken from my escrow account. Those payments were also taken out.
Product: Credit card

i know i will get a script back, nothing from Consumer protection it appears that no matter how badly a customer is treated they do and say nothing- this is third poss report on the same still unresolved issue and is truly illustrative of horrible customer serice, relations. and resolutions. so badly i am seriously reconsidering where to bank. on XXXX XXXX despite being told it would not be credited before i was informed my interest on my credit card would be refunded. on XXXX XXXX i called to confirm i was told YES. then on XXXX XXXX after i used the card ONCE on XXXX XXXX i asked about the foreign transaction fee said i was unaware this would be billed and why. at that time XXXX a SUPERVISOR told me all would be credited interest and foreign fee. Nothing has been credited despite these communications. now the answer i know i will get based on past experience is that the bank despite the time and money they spend fighting me will still not refund me. of course i was tricked into using the card XXXX XXXX which i would not have done .and only did based on being told i would be refunded. The number of emails, letters clearly exceed the time and cost of refunding me properly. clearly means customer is not valued. i do not need or want credit card agreement that is because i am not questioning it. i am a good customer and i deserve this esp in light of how this has been hndled. if its not refunded i will now take further action. no scripts needed in the answer no reiteration of how many times i was refunded. since for all those times. you have refunded deadbeats who are past due. just refund it like i was PROMISED do DAMAGE control and to consumer protection finance please publish this. banks need to spend more time getting to know customer than scripting them to death for months making promises they dont keep wasting my precious time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my annual credit report with all three bureaus, the following 3 hard inquires were made ( not on my behalf ) : 1. found on XXXX credit report - XXXX XXXX XXXXXXXX XXXX date of inquiry : XX/XX/year> ) 2. found on Equifax credit report XXXX XXXX XXXX XXXX XXXX date of inquiry : XX/XX/year> ) XXXX found on Equifax credit report XXXX XXXX XXXX  XXXX XXXX XXXX date of inquiry : XX/XX/year> )
Product: Credit card

I've consistently ensured timely payments on this account, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dispute is reporting me as deceased. Kohls credit my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!
Product: Consumer Loan

I purchased a car for my then husband in XXXX XXXX that was financed through Santander. In XXXX XXXX when our divorced was finalized, our divorce decree stated he was responsible for all payments on the vehicle. This was forwarded to Santander who stated they could not honor the divorce decree and the loan was still my responsibility. My ex husband continued to make payments sporadically then decided he no longer wanted the car. I tried to continue the payments on them but just could not financially afford to. The vehicle was voluntarily surrendered to Santander in XXXX XXXX. They have sold the vehicle since and reported the unpaid balance as a charge off/repo. However they are also reporting it monthly as a late payment. If the loan has been charged off, why are they continuing to report a late payment monthly.
Product: Money transfer, virtual currency, or money service

A payment was made to me from a verified payer on the XXXX of XXXX. The money was sent via echeck. The check has cleared the payers bank Paypal said the clearinghouse still has the money and they can not release it until the clearinghouse sends it to them. 
Paypal has a " hold til XXXX XXXX '' on the transaction summary in my account. 
I called paypal and spoke to their escalation department who told me they are instructed by paypal to say the clearinghouse has the money, I asked for a transaction number and was told they are not allowed to give them to the account holders or any customers Money electronically transmitted on the XXXX is being held by paypal until the XXXX If they do n't know where the money is, how do they have a set number of days for holding the money. Even when contacted and told the transaction was completed, paypal still refuses to release the payment to me They also play games with the " ok to ship '' and " wait do n't ship yet '' information on their payment activity log. When you call and ask why you have to ship the product without paypal knowing where the money is, they remove the " ok to ship '' from the info
Product: Checking or savings account

Comerica Webbanking service has said it is Undergoing Maintenance since I attempted to use it around XXXX XX/XX/XXXX and is still down as of XXXX XX/XX/XXXX. They have provided no update as to when we can expect to gain access again, what the reason/cause is, and if this was planned or unplanned. 

All customers seem to be affected from the numerous users reporting the same issue on XXXX. Comerica put a XXXX XXXX post XX/XX/XXXX on XXXX, with no mention of the problem and has failed to respond to the numerous replies on their post complaining about it. There is nothing on there site or any information available on this anywhere. 

In addition, calling their phone line to check balance yields the same result, saying balances are unavailable. Nearly everyone in the country has a majority of the bill payments and scheduled withdrawals around the XXXX and XXXX of every month. It is now the XXXX and I have had no access or availability to my current funds to know if I have the balance needed to cover for these scheduled payments. 

As someone who makes several daily withdrawals and deposits of all sizes, with several bank accounts that I transfer funds between. This issue could easily put me into overdraft or into loop of reversals adding up to hundreds of fees. This is affecting me critically and lack of information from Comerica has been totally irresponsible and damaging.