23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$830.00} XXXXXXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$500.00XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2100.00XXXX XXXX  XXXX Balance : {$830.00} XXXX XXXX Balance : {$1000.00} CABRILLO XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$410.00}
Product: Checking or savings account

They just closed my account and said its a banks decision I applied for the account in 2021 of XXXX
Product: Mortgage

Reached out to XXXX for an unaccounted amount of {$12000.00} to XXXX which has posted 34 days following heloc loan closing. Since than our loan has been reassigned to XXXX XXXX We have reached out to XXXX credit card services to inquire on alleged payment agreed upon, they report no payment in that amount is pending or reflecting on this account. We are inquiring where the remainder of the uncounted funds from our heloc resides. 
We originally borrowed {$80000.00} for loan XXXX XXXX XXXX on XX/XX/year> closing date.
Product: Credit reporting or other personal consumer reports

Discover Bank is reporting a late on my credit file that needs to be removed. I have had an account with them for a very long time and have been a loyal customer. Recently I logged in to check my credit and noticed Discover put a late notation on my credit?! I have never ever been late with them. The funds were available but never did I receive a statement in the mail or a call that I was past due I found out on my own.
Product: Checking or savings account

In your previous response to my many complaints in regards to to the denial of my ability to make a credit card payment you said you couldn't find a manager named XXXX XXXX at the XXXX XXXX. Branch in XXXX Florida. No worries I'll go down there my self and ask for her. I'll take a picture of her and then I'll submit another complaint based the lie that you said you couldn't find her. You also said I never submitted the proper information so as to identify the actual branch and employee. I request you go back to each and every complaint and you will find the the info needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get an accurate credit report and score from Equifax since XXXX of 2017. I pay for a credit monitoring service that is not Equifax. I feel this started AFTER I cancelled my paid service with them. I started my paid service with Equifax on XXXX XXXX, 2017. I used their 30 trial to try out the service. I cancelled the service before the 30 days were up, sometime in XXXX 2017. I first noticed an issue XXXX XXXX, 2017 and reached out to Equifax. They refuse to help. I tried to get my free credit report through annualcreditreport.com, they said that have no records. When I tried calling Equifax, I was told by the customer service rep that indeed there was a problem. But they refuse to fix it, even after I verify all of my personal information. I have continously tried calling on different days, at different times, but to no avail. I would ask for a US representative, only to be put on hold for literally 30-45 minutes, or longer, if I chose to stay on hold. <P/>Now I have been denied credit because of my Equifax report, through a major credit card company. I can not access my file to even see what is being reported if anything. I tried to freeze my Equifax file on today XXXX XXXX, 2017, and again no file to freeze. <P/>This is not right, and it is very frustrating. This is affecting areas of my life that I did not even realize that it would. I can not even proceed to make large purchases because I can not be sure of what is listed on my credit. I do n't know if I have a split file, or no file at all. My credit score has been the same for three months. No updates. I just want some resolution. I do not know what else to do. Equifax is infringing on my rights. And I want it to cease. <P/>Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit bureau has wrong address Experian has 3 same address and 2 old address that should have been removed and updated I have spoken with numerous customer services specialist to no avail Experian still have closed account from 5 years ago on my credit report 3of them are from  XXXX XXXX 2 are from the XXXX XXXX XXXX I have disputed and ask them personally to delete it is still current on my credit report I have been giving the run around from the company for the past six months my report number is as follows XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im writing to you regarding discrepancies I have found on my credit report. 

Target TD XXXX Why is this account being reported with 2 different dates of last activity? Delete account for inaccurate reporting.

Once you have finished my request please send me an updated credit report reflecting my request. 

XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
XXXX XXXX XXXX and XXXX XXXXXXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.
Product: Debt collection

Hello, I am having issues with the company ProCollect ( XXXX. XXXX XXXX XXXX, TX XXXX ) regarding an alleged debt from an apartment complex I moved out of on XX/XX/XXXX. In XX/XX/XXXX I received a call from ProCollect claiming that I owe {$820.00} stemming from a supposedly outstanding balance from XXXX XXXX XXXX XXXX XXXX XXXX, TX. Upon moving out from the aforementioned complex, I confirmed with the Lessor that my balance was paid in full. I was not contacted until almost 6 months later regarding the alleged debt. Since that time, I have submitted written & verbal requests that collection attempts be ceased based on my dispute of the alleged debt 's validity. I was instructed by the company to send proof via email, which I did. However, I received a letter today stating that my credit, ability to obtain employment, purchase a car or home, or qualify for further apartment rental may be " significantly '' affected if I do not remit payment to the collection agency. In my estimation, the continued attempts to collect after verbal & written demands to cease & desist have been made stands in violation of my rights under the FDCPA. This company appears to be incredibly unscrupulous and has continued to harass me via phone calls from various phone numbers with repeated calls, despite my formal request to cease collection attempts.
Product: Checking or savings account

Vystar should be forced to shut down and fined by the government for everything they have put us customers through between the website and inconvience. On XXXX I contacted Vystar Credit Union because I have a bill on XXXX, I also have been making payments on my own to pay the bill off. Vystar never sends me a txt message or calls me to verify anything, they automatically just block your card or won't let my payment go through than I have to wait over 50 minutes for a representative to pick up to unblock it an allow the charge to go through. I spoke with a rep today XX/XX/2022 and told her not to block any payments I make to this company as I have been making payments for over 2 months now and its not fraud! I tried to make another payment to the company later that night, AND same thing happened again payment won't go through which means I have to start work late again tomorrow to call for the same reason. I XXXX  this bank so much I will be taking partly a day off to look for another Credit Union. When I make charges early in the day for example if I make a charge on XX/XX/2022 it shows in the transactions tomorrows date XX/XX/2022 I have never seen that happen with any bank in my life. I don't think this is legal. I caution anyone who banks with them. Since web issues, now when my money is deposited from my employer it says " XXXX XXXX '' instead of my employers name.
Product: Vehicle loan or lease

My car was deemed as a Total loss by my insurance company on XX/XX/XXXX. My insurance company and myself tried reaching out to Santander many times without resolution Santander consumer usa, continues to ignore my claim. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... No one at this company wants to work!!! On XX/XX/XXXX It was brought to my attention that representative at Santander never filed my claim when I called originally. I had to file another claim while listening to babies cry in the background, mothers yelling at children, all while trying to get information to the representative at Santander consumer USA. I called Santander back again to speak with someone in the insurance department and for some reason she thought my situation was funny and continue to laugh throughout our conversation. She stated there was nothing that can be done for my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identit y theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) tha t I have made. It is the result of identity theft.
Product: Money transfer, virtual currency, or money service

Sunday XX/XX/2018 at XXXX i texted someone from XXXX if two XXXX   XXXX tickets were still available. He called me back and said he could do two for XXXX, i asked how will i receive the tickets he said he would log into XXXX XXXX once he receives the money and email me my tickets. I asked if he is not gon na be at the game how do i pay em for the tickets. He responded just send through your banking app ( I had never used XXXX before at this point but knowing my bank is backing it i thought it would be protected like XXXX ) Sure enough i send him XXXX and his phone turns off once he receives it. I call the bank and they can't do anything about it ( His info for XXXX is XXXX and his name is XXXX XXXX XXXX ) My XXXX was transferred from my Bank Of America account, to his bank of america account. XXXX also said they can not do anything since they can not access someone else 's account to get my money back. I filed a police report through XXXX county sheriffs dept. case no. XXXX. 

People need to know XXXX is not safe or backed by your bank if you are scammed, false sense of security.
Product: Debt collection

They were unprofessional, I asked them to put me on do not call list, they said they do no have one informed I do not want calls at all. They refused instead saying are you this person and gave a social security number without verify who they are talking to. I asked for the manager and he did the same tatics was basically refusing to comply with my request not to call. Informed will report and ended call
Product: Debt collection

Reference # XXXX {$1000.00} ( Original Creditor : XXXX XXXX ) ( Open XXXX ) 2 dates displayed not sure which is accurate this entire acct is INNACCURATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT AMBASSADOR COLLECTIONS I, XXXX XXXX, a consumer , am notifying you that I dispute this alleged debt pursuant to XXXX XXXX XXXX. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Mortgage

Midland Mortgage from Oklahoma XXXX. 


i send a paymet of {$8200.00} to cover my last 2 months and also pay 3 months in advance due to my health issue i didnt wanted to have to worry about mortgage i send it thru mail certified letter post office advice my midland mortgage should receive letter by monday i called wed to make sure everything is good and payment was applied as i explain 2 past due and 3 months in advance to my surprise XXXX ID XXXX advice me no payment have been posted she said she was going to email cashier and payment shoul be posted by the end of the day i explain to her tracking # is telling me letter was received monday she said no to worry to call tomorrow which i did spoke to XXXX  id XXXX i asked her if payment has been posted she stated no payment has been received i explain to het i spoke to XXXX and she was going to email cashier she said no email was sent and she has to put a summit of lost check and is going to take time to track payment... how does a payment gets lost????? I WANT MY MONEY APPLIED TO MY MORTGAGE IMMEDIATELY AND WAIVE FEES THEY HAVE CHARGING ME FOR THIS COMPANY MIDLAND MORTGAGE IS NOT HERE TO HELP OR HELP US SAVE MY HOME I FEEL THEY WANT ME TO LOOSE MY HOUSE, AFTER I HAVE DONE EVERYTHING THAT IM SUPPOSE TO PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I recieved a phone call from Cambridge Asset Management. They called me from XXXX. The lady said her name was agent XXXX XXXX. She told me over the phone that they worked for a lawyers office and were the mediation company. Trying to collect on a debt from 4 years ago. She stated that If i did n't pay them, that they would file a civil complaint with the county clerks office. I asked to speak with her district manager and she could not give me his name. I told her I would be in touch after some research. On XX/XX/17 I recieved another call from agent XXXX XXXX. She left a voicemail stating that they were going to turn this to the county clerks office to proceed with paperwork. On the voicemail, she stated my date of birth, last 4 of social security number and my drivers license number. I think that is highly inappropriate to give away such sensitive information as I might have change numbers and then my personal identification would be given to a stranger. I am not happy with the scam companies tactics to collect debt and I think they need to be investigated further. She also informed me that they would look for me at my place of employment, which I know they are not allowed to threaten.
Product: Checking or savings account

I am able to make deposits of over {$100000.00} but they limit my withdrawl to {$25000.00} with a waiting period of 3 to 5 days to make another withdrawl. I needed a {$50000.00} withdrawl and now it could take up to 10 days to receive it. That is absurd in these days and times. The bank is SYNCHRONY BANK!!!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning my credit report with Experian. On XX/XX/XXXX, I contacted Experian to address inaccuracies in my credit report. Despite my initial contact, I have not received a response to date. The following accounts are inaccurately reported, and I request their prompt removal : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Please remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Please remove it from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Please remove it from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10.00} Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Please remove it from my credit report.
Product: Student loan

Qualified for the XXXX XXXX XXXX XXXX, which was at first denied by Mohela in XXXX as they had not calculated the correct number of payments I paid. Was placed in an Administrative Forbearance while they were recalculating. They now show that I have enough payments to qualify for XXXX, but instead of processing this they are ending my forbearance and asking me to start paying again early next month. Loan should be forgiven and balance should be XXXX. No further payments are required and yet they are sending bills. They do not respond to emails and phone hold times are hours and often end up being dropped calls.