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

The company is reporting multiple unverified alleged bankruptcies on my consumer report. Ive called multiple times to have them removed and they are not. They are also sharing my information with the credit bureaus in which I froze my account. The credit bureaus now have this inaccurate information which is now reporting on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail. 
the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked XXXX XXXX for validation of debit and this is the letter I received.
Product: Credit card or prepaid card

Citibank Bestbuy card does not update balances every evening or in most case not within 2 days. I believe this is to confuse customers on billing and actual balances for larger interest charges. 

It's 2022 transactions are instant. 

Ty, Just not trusting this company when I make payments and do not see balance go down after day or two.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 purpos
Product: Debt collection

I have opened a care credit account and its my account I was paying my bills every month, and then someone got my information and used my card without me knowing, I was never late on my payments. Because it comes out directly from my bank, I contacted the company right away about this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Hurricane Harvey, I requested from Toyota Financial Services for a extension which they granted me for the months of XXXX and XXXX. I submitted it back via mail and followed up with them by phone on XXXX XXXX due to the overwhelming backup mailing processes in XXXX. I spoke with a rep named XXXX and she assured me that I wont be facing any issues even if they received the documents later than expected and how I would n't need to resubmit them. After receiving numerous collection calls from Toyota after that day, I just went on and still faxed over the paperwork to Toyota which were submitted successfully. 

Now, when I speak with Toyota today XXXX XXXX, supervisor ) they were refusing to assist me in resolving this. They did n't want to pull up the phone call recordings, research my fax correspondence, locate my mailing correspondence, etc. 

It 's horrible how Toyota can be so rude and disrespectful during a time like this for Hurricane Harvey victims.
Product: Credit reporting

On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with XXXX. The dispute with XXXX was met with pushback and no resolution. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

My credit report is showing a collection account from Southwest Credit Systems, with the original creditor being XXXX. The account number is XXXX I was not informed prior to this collection that this account was being sold to a debt collector, therefore I am requesting debt validation Pursuant to 15 U.S code 1692g the debt validation should stated a detailed list of the history of payments made by me on this account, I want to see MY signature on a contract stating that I agree to pay this creditor, I am also asking has there been any insurance claim filed on this account, I want proof that you have chain of title to collect on this debt. According to 15 U.S CODE 1681b the creditor had no permissible purpose and 15 USC 1681 section 602 states that I have a right to privacy, 15 USC section604 ( A ) section 2 a consumer reporting agency cant furnish MY account without MY written permission. This account needs to be removed immediately.
Product: Debt collection

I received a notice from my credit monitoring service that there was negative action on my report ( s ).

A company known as Credit Management , LP with an address of : Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on report ). In the amount of {$350.00} XXXX  XXXX. # XXXX Opened XXXX Reported Closed XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. 

Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. 

The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of XXXX )
Product: Credit reporting or other personal consumer reports

Here is an Affidavit of Truth you can use to dispute the fraudulent address on your Experian credit report : -- - Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/year> To : Equifax XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Cc CFPB Subject : Affidavit of Truth Dispute of Fraudulent Address I, XXXX XXXX XXXX XXXX living, breathing man, do hereby declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : XXXX. I am not now nor have I ever been associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. Any records or accounts linked to this address under my name are the result of identity theft, fraud, or misrepresentation. XXXX. My lawful and correct address is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. XXXX. I formally demand that Equifax immediately remove the fraudulent address from my credit file and update it to my lawful address listed above. XXXX. I have attached copies of my government-issued identification and utility bill as proof of my identity and residence. XXXX. Any refusal to correct this inaccuracy would constitute willful defamation of my character and violation of the Fair Credit Reporting Act ( XXXX  ). I declare that the foregoing is true, correct, and complete to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

The account was written off since XX/XX/2022 and the loan company never send me a 1099C to claim the amount that was written off on my XXXX XXXX XXXX return. The amount that was written off was {$23000.00} in XX/XX/2022. I contacted the company, but got an answer back.
Product: Mortgage

There are specific requirements for disclosure according to the Truth In Lending Act. There are specific requirements for section headings that are not present in the mortgage form you use. The Partial Payment Policy was not disclosed in accordance with the Truth In Lending Act prior to consummation of the loan. In accordance with Truth In Lending Act, part 1026.31 ( c ) ( 1 ), the Partial Payment Policy is one of the disclosures that should happen three days prior to consummation of the contract. Periodic mortgage statements do not meet compliance with the Partial Payment Policy since they are post consummation. Therefore, your Partial Payment Policy was not communicated to me, in the required format, three days prior to consummation of the contract and is not in compliance with the Truth In Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was notified that XXXX XXXX rolled out a new refinance program for low-income individuals with low credit scores. The program is called : XXXX XXXX XXXX  Its not too late to take advantage of historic low interest rates. XXXX puts a money-saving refinance option within reach for more homeowners. 

With XXXX you can take advantage of benefits like : 1. A lower interest rate 2. Monthly payments reduced by at least {$50.00} per month 3. Savings on up-front out-of-pocket appraisal expenses I called my servicer BANK OF AMERICA and they stated they were not honoring this program. I then called XXXX XXXX and they stated BOA must honor this program since they are the servicer for XXXX XXXX XXXX. 

I called : n : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

Afni Collections Agency reported false information to XXXX and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped XXXX points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable.
Product: Credit card

I have a secure car with U.S. Bank. I had one, and when it was closed, they apply the secure amount immediately to the balance, and send me the rest, even though somebody stole my money, and they never gave me credit for it. 
No, I had the same thing they close my account three months ago without letting me know XXXX was the one that let me know. I made a claim because I had unauthorized charges. I called them three times they ignore me. Finally they made a claim and added charges that I told them from the first time, and all the time they were recurring, and those were mine, they reverse the claim before they put in the claim now after 50 times of sending letters and calling them being on the phone for two hours. They will not apply the secure amount to the credit card and send me the rest. Instead they keep adding financial charges late charges they wont apply it they never, the unauthorized charges as it says on Visa law I am not responsible for unauthorized charges. It is them that they put in the claim wrong three times recurring charges and they keep adding charges ignoring me and even though they have the money sitting there, they will not want to apply, why they dont apply it they did the first time on the other credit card this time it is small credit card and they just keep adding charges to authorize charges. I want my money back and clear my credit report of lies.
Product: Credit card

Synchrony Bank closed out my {$13000.00} CareCredit credit card. All of my information on file at XXXX, XXXX and XXXX 100 % matched what was used to apply and be approved for this credit card. I had to verify over the phone and send my photo ID with Synchrony Bank first and foremost before my application was even approved. My credit reports can collaborate and verify this as facts.
Product: Debt collection

We have blocked the number XXXX from my sons phone. They call with a robo call up to 5 times a day. The company is ABC Fitness representing XXXX XXXX. XXXX XXXX had a payment arrangement on our account before it went past due they had communication of what was happening. STILL their third party won't stop stalking us. I called today as the primary on the account- they refused to stop stalking my sons. We will be canceling our membership with XXXX XXXX because when people do communicate with them they do not honor it.
Product: Debt collection

XXXX XXXX uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Texas XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of XXXX XXXX, XXXX XXXX XXXX of XXXX PA, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " PA Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's Dodge Dart. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, Pa where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, 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 # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.According to 15 USC 1681s-2 " Responsibilities of furnishers of information to consumer reporting agencies. '' 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.

According to 15 USC 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.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than seven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Payday loan

I made a loan from the company about a year ago and was not aware of the 800 % interest rate. Just recently i noticed that they are still removing money from my account. I borrow about XXXX and from my bank statements they have not stopped taking payments. I go to the website and they say I still owe XXXX! This place has stolen a lot of money from my acct.
Product: Checking or savings account

Albert has a premium subscription product and I did not want this subscription and they keep charging my linked XXXX XXXX checking and savings account an {$8.00} subscription fee and its causing my account ( s ) with XXXX XXXX to become overdrawn and thats made some of my payments on bills and other transactions to be declined or returned/not processed. 

I can not get them to stop and Ive text multiple times and Ive asked to have this stopped and I followed the instructions to ensure that the feature was turned off. 

The give me the explanation that it comes active and free for the first 30 days. I do not want the feature and I dont want their services anymore.
Product: Mortgage

In brief : Mortgage companies holding insurance payouts and not allowing homeowners to use the funds towards a new build. 

My family lost our home in XXXX XXXX. XXXX declared the home a total loss and we were issued an insurance payout ; which was addressed to my husband and I, and the mortgage company. We have sent the check to the mortgage company and now our funds will not be released for our new build. 

The mortgage company policy states to now have access to receive these funds, either : - the home must be repaired- which is not possible or- the payoff of the loan must be less than the amount of the funds issued by the insurance company. XXXX : Amount due on existing loan {$XXXX}. Insurance payout {$XXXX}. Since the loan can not be paid off with only XXXX, the mortgage company is holding the funds until the loan is paid in full. To get a new loan for a new build on the same property, the old loan must be paid off. XXXX is a lot of money to be considered with a loan. The mortgage company will not include the XXXX as part of the payoff of the loan ; therefore, my new loan must consume " XXXX '' of the old loan. 

We as the consumer are not asking for the money in hand ; we are simply asking that the old mortgage company put in writing that the funds are available in escrow. Without this, our new mortgage company does not " acknowledge '' that we have x amount of money towards the payoff of the old loan. 

I know our family is not the only family to be without their home from the hurricane. Many are having to rebuild and should have access to the insurance payouts to assist with this process. And how many more claims like this are coming through from the LA fires? The policies at these mortgage companies are not clear. Families, including ours, are heading to the closing table short of funds because the mortgage companies are not clear with their policies AND are holding the insurance payouts that are intended to help the homeowner. 

This has to be or will soon become a national issue with all the natural disasters. Simply put, laws should be put into place stating that mortgage companies must list escrow funds in the payoff letters to ensure that consumers have access to these funds when rebuilding their lives.
Product: Credit reporting or other personal consumer reports

Balance {$5100.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 8 mos ) Term 44 months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Joint Remarks Repossession Times 30/60/90 days late XXXX Closed No Info If Im in repossession, why is there no days reported as late?

Its missing a lot of information for it to be in repossession.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and still continue to notice that an account that was not reporting accurately. I have late payments showing differently on XXXX than XXXX and equifax. Consumer reporting agencies need to report all information with complete accuracy. If this information cannot be verified I demand these payments be updated to paid on time and/or fix the incorrect payment history immediately. Thank you for understanding and prompt action.

XXXX reported late payment dates for closed account of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


Equifax reported late payment dates for closed account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported late payment dates for closed account of XXXX XXXX XXXX XXXX
Id also like to state that on my XXXX account I read a statement that XXXX  said I made which is also not accurate stating that my late payments were due to unemployment. This is a statement I never made and would like that removed as well please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX