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

UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ACCOUNT RESOLUTION CORP MY REQUEST TO RELEASE MY MEDICAL INFORMATION TO YOU, CREDIT BUREUA, I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! Acct Name : Account XXXX  XXXX ; Acct # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Under the Health Insurance Portability and Accountability Act of 1996 ( XXXX ) XXXX I reserve the right to protect the privacy of my personal information and medical, records from all third party reporting agencies. Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ).
Product: Credit card

I have a Citibank AAdvantage Executive Mastercard. A published benefit is XXXX XXXX/statement credit towards XXXX purchases . The card holder agreement states the credit will be posted to my account within 8-10 weeks of making my purchase. I made a XXXX XXXX purchase on XX/XX/XXXX, and have yet to see any credit. I have contacted Citi twice on this issue, and they claim XXXX is " late '' in providing credits. However, the terms and conditions simply state that I will receive my credit within 8-10 weeks, and nothing about having to " receive '' the credit from XXXX.
Product: Checking or savings account

Sadly in regards to complaint XXXX PayPal has retaliated against me. They falsely accused me of Specifically, we believe you have engaged in " Abuse of our online dispute resolution process. ". For that reason, we will no longer offer services to you. It saddens to have a bank owes me. Money and has blocked every access to me. I would like to state for the record Im the victim Im the one whos being treated wrongfully. They stated I must wait 120 days in order to get my money back. This just a malicious act from retaliating. Please realize its a guy name XXXX that tells you everything. I believe PayPal has taken this too far. After submitting the complaint yesterday what a coincidence everything was closed.
Product: Debt collection

Diverseified they keep calling me and harassing me with the repeated calls trying to keep me on the phone to say the debt is mine its gettin outta of hand I told them to send me something that got something with my signature on it
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate 15 U.S.C 1681a ; Rule of Construction : it states a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in Violation of the FCRA REPORTING ACT. I Have Two Accounts that was accidentilly deleted from my XXXX consumer report in a dispute. XXXX Deleted two accounts that should not have been deleted I have since reached out to XXXX about this matter which I was told that the original creditor would have to resubmit the two accounts and add them back in to XXXX. so I reached out to the Original Creditor Empire Financial to let them know about the two accounts that are not showing on my consumer report XXXX  Paid off Cars and Empire Financial went in and resubmitted the two accounts I have documents from the Empire Financial that I will attach to this complaint with the two accounts and account Numbers and the name of the person at Empire Financial who resubmitted the two accounts. These two accounts should have been put back on my consumer report instantly I was told from a supervisor at XXXX but its been also 30 Days and these two accounts are still not back on my consumer Report Empire Financial Person who Resubmitted the Two Accounts : XXXX XXXX Account Number : XXXX Account Number : XXXX
Product: Debt collection

This account was fraudulently Opened without my consent or knowledge. 
This account is not open
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against XXXX, TransUnion, XXXX, and XXXX  XXXX for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, TransUnion, XXXX, and XXXX  XXXX for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my XXXX  XXXX credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on Transunion and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against XXXX  XXXX and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and XXXX  XXXX regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter. 

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with XXXX, TransUnion, XXXX, and XXXX XXXX but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely,
Product: Credit reporting or other personal consumer reports

I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXX XXXX  XXXX XXXX XXXX FL. 

In XXXX of XXXX I filed XXXX  XXXX personal bankruptcy and lost my business. 

In XXXX of XXXX the bankruptcy was discharged. 

After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXX XXXX  in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. 

XXXX of XXXX I get a call from XXXX XXXX XXXX  asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. 

XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. 

I think the mistake is in the fact that the facilitator XXXX XXXX XXXX  and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and discharged XXXX of XXXX
Product: Debt collection

I have been receiving repeat phone calls with no voicemail. There are numerous variations of phone number calling me three to six times a day. The phone numbers start with XXXX They call while I am at work. I did call back one of the numbers and I heard a recording that it was a debt collection agency.
Product: Credit card or prepaid card

Since I have had my BarclaycardXXXX Rewards, Ive missed only one payment. I tried to use my card and it declined on XX/XX/XXXX. I knew what me available balance was because I had just paid on it. I was trying to use my XXXX rewards on an XXXX  product. I called and was informed it was a system generated closure due to policy and it just generated onXX/XX/XXXX. The same day I used the card! The customer service rep, along with the manager could not tell me what policy of theirs this was pertaining too. But insisted I wait on the letter to tell me. I called again onXX/XX/XXXX, the gentleman was very honest in saying he has no idea what policy this is but would get me over to their another Department. The new Rep from the Credit Profilo Department told me that they checked my credit and notice delinquency with another merchant that triggered them to close my acct. I told him to check how often I have been delinquent with them and he said it didnt matter, its in our disclosure. I asked him to tell me where, give me a page number and I could look it up. He said he only had a printed copy on his computer not the actual disclosure. Then he proceeded to tell me another department would mail me one, but its available online. Since I was on my phone I had already looked online and it was to request one by mail also. When I said that he said oh well they informed me itll take 30 days to receive. I researched on other forums with this particular credit card company and this seems they do this often with their fairly new consumers that have their card for 6-8 months then they close they acct. This is a major blow since I needed to keep this card open to rebuild my credit after Irma. Which was why only one card closed. Totally unfair and very shady practice!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

Affirm offered a promotion to provide a {$15.00} credit if I completed a purchase of a {$100.00} gift card to bath and body works. I completed this purchase specifically for the promotional offering. My online account consistently showed that a {$15.00} credit would be applied and I have a screenshot. Additionally, Affirm provided me an email dated XX/XX/year> stating that I qualified for the {$15.00} promotion and it would be applied to my account. However, Affirm never honored their promotion. I have paid the account off in full and was never late on my obligation. I have attempted to contact Affirm 3 different times and each time the representative disconnected the line on me. In one day, I had one representative state he knew nothing of the promotion and then the next representative stated she did but each time the phone was disconnected on their end.
Product: Money transfer, virtual currency, or money service

Zelle has failed to protect users and not only that they have allowed scammers to have an easier way to scam people
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from credit monitoring service back in XXXX of an alert on my Experian credit report. It showed a Charge Off for XXXX XXXX in XXXX. I never had a charge off on this account and no late payments. I paid the account in full in XXXX for {$98.00}. I have disputed it 3 three times with Experian and they still show the charge off. Everytime I call Experian I can not get anyone to listen, they just say they will dispute it. My account is reported correctly on the other two credit bureaus. Experian keeps blaming the creditor stating it's the way the creditor reported it. I called the creditor and they have checked on their end and never reported a charge off. The creditor sent me a letter in writing stating my account was paid in full in XXXX. This wrong reporting by Experian caused me to lose financing for my home. I can not afford to wait another 30 days for them to dispute again. Experian has not reached out to the creditor, the creditor has confirmed this. 

I have attached the receipt from when I paid off the loan and a letter from the creditor 's corporate office stating the loan was paid in full in XXXX.
Product: Debt collection

Starting in  XXXX  of    2016  - I have submitte d two letters to the credit bureaus asking them to verify this debt. I have not received ANY FORM OF VERIFICATION. I additionally send this company a letter directly asking for verification of this debt. I RECEIVED NOTHING I do n't know what this is. who they are. where the debt is from before they got it. I am  incredibly frustrated by this entire experience.
Product: Credit card

I opened a new bank account with XXXX XXXX Upon opening, I set up to make an additional payment to my Capital One Venture card. For some reason XXXX did not send the payment, and Capital One unilaterally closed XXXX of my credit card accounts I have had in good standing for a long time. XXXX  is willing to admit fault, but Capital One wont send me to the proper people. Its customer service that tells me the computer automatically closed them. 

Capital One offers XXXX help, and XXXX admits their error.
Product: Checking or savings account

Opened a BMO Harris Everyday Checking account under a promotion that said that I would receive {$200.00} if I did two {$300.00} direct deposits from an employer within 90 days. I completed the requirements but still have not received the {$200.00} promotion yet. I opened the account on X/XX/2017 and according to the customer service reps I 've talked to, I should have received the {$200.00} promotion after 120 days. After 120 days and not receiving the promotion, I talked to the customer service reps who were unable to help me.
Product: Debt collection

I recently tried to purchase a house. The realtor suggested i pull my report, before putting a hard inquiry on my credit file. So I did so, in the mist of that, is when i noticed two accounts opened seemingly around the same time. which are : XXXX XXXX in the amount of {$3900.00} ( whats showing on credit report ) Indigo Card in the amount of {$610.00} ( whats showing on credit report ) When i noticed the account i called their toll free numbers, and explained that the debt on my file is inaccurate. I was told to file a police report, but to be told to take it up with the credit card company, there's not much they can do, if i don't have a clue where it came from. So i verbally filed a dispute, with the creditors, and the bureaus asking them for verification, ( Which i never received ). 
Also another reason i'm complaining is by looking at my report again, I've seen where the Indigo card didn't mark the account as disputed. they actually updated the account, to make it ( pay as agreed ). The account is not mine! I want them removed, inquiries and all. Along with all that, a fraud alert was placed on my account, which could damage my chances of my future house purchase, or any other line of credit i may want to open in the future. I feel since this isn't my debt, why should i have to be penalized.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights 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 an 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.

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.
Product: Debt collection

ConServe debt collection amount {$2800.00} try to ask for information but never received. And they did not show Proof of Purchase Agreement.
Product: Mortgage

My husband and I have always paid our mortgage. Included with each payment is an amount to go towards escrow. This includes taxes and our homeowners insurance policy payments that each are paid once per year. The amount paid towards the insurance yearly is {$1300.00}, which comes from our monthly mortgage payment of {$1500.00}. Our servicer/mortgage company, Rushmore, was responsible and has been making the insurance payment for the last several years. 
On XXXX XXXX, we received a notice from the insurance company, XXXX, that they would be cancelling our policy due to non-payment. I got on the phone right away with XXXX, speaking with XXXX, who then put me on a XXXX call with Rushmore, rep. XXXX ID XXXX. XXXX confirmed that Rushmore had sent the insurance payment on XXXX XXXX to a XXXX, XXXX address. XXXX stated their only address for payments was in XXXX, XXXX. He also wanted to know when they could expect the payment. XXXX said they would need to track down the XXXX XXXX payment, and then would send a new check.She said it would take a couple of days. 
I called XXXX to confirm payment had been received on XXXX XXXX. No payment received and they did another XXXX call. The Rushmore rep. XXXX ID XXXX said that they still had n't found the first check, but that they would issue another XXXX and wanted to send it overnight to XXXX. I called again XXXX XXXX, but XXXX had n't received anything. Another XXXX call with Rushmore rep XXXX ID XXXX, produced the same scenario, he said they had n't found the old check, but that they would send another one right away, and needed an overnight address, which the rep from XXXX gave. I had another call on the XXXX, speaking to XXXX, and her supervisor XXXX ID XXXX, who assured another check would be sent, and still researching the old check. She again got the overnight address from XXXX. XXXX XXXX, XXXX and XXXX calls on those days produced the same results, with no check being received, but promises to send a check overnight, and asking for the overnight address. On the XXXX call, XXXX asked for me to send a no loss letter. I sent it the next day on XXXX XXXX. On XXXX XXXX call, they asked for another no loss letter, and I sent that XXXX XXXX. I called back XXXX XXXX, again no payment received, XXXX call with Rushmore, with a promise to send the payment overnight. As of today, XXXX, no payment has been received, and XXXX notified me that my insurance policy can no longer be reinstated. At this point if I want the same insurance coverage, my premium will go up from {$1300.00} to {$1400.00}. That may not seem like much, but we would n't be in this position of not having homeowner insurance or having to pay a slightly higher premium had it not been for the carelessness of our mortgage company and servicer, Rushmore Loan Mortgage Servicing. We have always paid on time, with the expectation that they would do the same for escrow items.
Product: Debt collection

I have disputed this account several times and the last time was XX/XX/2022. I was told if I paid this account off in full this account would be removed from all XXXX consumer reporting agencies. The balance is XXXX but its still reporting and when I spoke with the representative years ago I was told it would be removed thats why I paid the debt in full. I feel this was misrepresentation and illegal if they did not hold up their end in removing the debt like they said they would.