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

I am complains against Equifax. I requested unfreezing my account. I forgot password and I already provided correct information and social security number. I already provided all information they need. I am XXXX They wont accept any video phone interpreting. I try to call them and they hang me up. I cant false and pretend to be XXXX or someone. I want to honest straightforward that I am XXXX XXXX XXXX XXXX They want XXXX It is way outdated. No body has it. I cant apply any loan or credit card bc of equifax. I dont know my password. It is direct violation for XXXX law ( XXXX XXXX act ) https : //www.ada.gov/ Every video phone is federal fund and interpreter got serial number. They are not scams. They sign agreements to keep all our information confidential. They never believe me. They think I am scam. There are no way for me to fix it and contact them. I cant travel thousands mile to proof who I am. It make me upset about something I cant fix.
Product: Vehicle loan or lease

XXXX XXXXXXXX XXXX my grandson went to XXXX XXXX XXXX XXXX XXXX. and called me with the representative seeking for me for him to get a car. I told him I would not. The rep. and my grandson, without my authorization or knowledge and outside of my presence ( given I was working that day ) electronically signed the paperwork in my name and, upon information and belief, on a " wet copy '' forged my signature without my consent. The account and contract were assigned to CREDIT ACCEPTANCE CORP.. When I received a statement from Credit Acceptance Corp., I reached out to XXXX XXXX XXXX XXXX XXXX, they refused to do anything. I requested all the information from Credit Acceptance Corp. and they sent me a statement regarding how to deal with identity theft. I then went to the XXXX Police and a police report, and I also filed a police report with the XXXX County Sheriff 's Department. Credit Acceptance refuse to help me. So far, I have not received any justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

We epened on RV loan with Bank of America on XX/XX/XXXX this account was charged off on XXXX XXXX and reported closed to all 4 credit agencies we had an savings account with Bank of America, the first week of XX/XX/XXXX Bank of America made an unauthorized withdrawal of {$28000.00} from our account and applied it to the closed account on XX/XX/XXXX the account was reported closed again we filled an complaint with your office ( CFBP ) on XX/XX/XXXX and the money was put back in the account now Bank of America is reporting the account open to the credit agencies I have disputed this with all 4 credit agencies.
Product: Debt collection

I a natural person was issued a false debt in the amount of {$490.00} that is now reporting on my consumer reports. On XX/XX/XXXX I mailed a validation of debt letter demanding proof of claim. That this said alleged debt factually & legally belonged to me. I asked for a contractual agreement with my wet ink signature. They did not comply. But instead sent what appeared to be computer generated " bill statements '' from XXXX XXXX. The XXXX XXXX XXXXt back a large packet containing letters & symbols on the outside of the envelope, violation of 15 USC 1692 ( f ) ( 8 ). Which I have uploaded alongside this complaint. 

On XXXX XXXX, I mailed a certified letter to The Bureaus Inc demanding for them to validate the alleged debt that they claim I owed. Again they failed to comply & violated me in return. Sending another huge packet with symbols & letters on the outside and inside of the contents. 

On XXXX XXXX I mailed another certified letter putting The Bureaus Inc on notice of all ways they have violated me as a federally protected consumer. This company never validated this alleged debt they claimed I owe. However The Bureaus Inc continuously reported this alleged debt on my consumer reports damaging my reputation at the least.
Product: Credit reporting or other personal consumer reports

I have contacted the company in regards to the late payments. I was told this would be rectified however nothing has been done. 

PLEASE SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to Experian on the XXXX of XXXX they received it on the XX/XX/XXXX at XXXX, Experian is not responding to me in a timely manner to fix this error on my account. There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway. 

This is in reference to the XXXX account
Product: Debt collection

On XXXX I called the law office of Blitt and Gaines , P.C . about an alleged debt to XXXX XXXX XXXX Bank. I was told I would need to call back on XXXX to hear about payment options. This would be one day after the scheduled court date of XXXX. Thus hoping I would not go to court and they would receive a default judgment on their behalf. I believe this practice was deceitful and unlawful. I spoke with XXXX XXXX XXXX XXXX who also informed me the call was being recorded. The phone call was placed at XXXX XXXX. This is a direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved my credit report from transunion and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.
Product: Debt collection

XXXX is the orginal company and they became XXXX. The collection agency now is Source Receivables MNGMN. I have disputed owing {$720.00} to the three credit reporting companies. XXXX keeps reporting " Verified and Updated ''. So, XXXX or Source Receivables just keeps repeating that the money is owed and past due. XXXX 's account services told me via a telephone call on XXXX that I did not owe any more money because I had been paying a month in advance. They also said all phone calls are recorded so I requested they listen to that XXXX phone call several times. That call would backup my claim. I was always told my request was being escalated and they would call me back in 5 to 10 business days. Never got a call back and they kept increasing the amount they said I owed. On XXXX, I paid {$390.00} for the bill due XXXX, which is the same day I was told I did not owe anything further. I had 5 devices and four were paid off and one was returned. All lease terms were completed. XXXX unlocked all phones and I was able to change to XXXX. I want my past due {$720.00} to be removed and I want to listen to that phone call along with a XXXX representative. I think they do not record all phone calls and that is why I did not hear back from them.
Product: Debt collection

I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro Amex, XXXX, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX XXXX has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

American Express XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call 3-4 times a day?
Product: Credit reporting or other personal consumer reports

I've been wondering, how was this verified when in fact Experian was the only bureau reporting this account. Could you help me verified this? This has been affecting my SCORE since Experian is saying that it was an OPEN LATE PAYMENT ACCOUNT. I know that they are on violation of laws such as : 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 signed a contract with XXXX in XXXX 2014 and every month since then I have been paying my monthly fee on time every single month according to the contract. Despite the fact that I have been paying my monthly fee to XXXX on time every single month the company decided to turn my account and payments over to a collection agency in an attempt to collect all the money at one time. I do believe that this was in direct retaliation because I requested to back out of the contract because I was not using their service. They did not allow me to back out and then they deliberately mismanaged my account showing that payments were missed which turned out to be by their own account an error on their part. Yet despite this fact my account was turned over to a collection agency although we both have proof that my payments were all made on time.
Product: Credit reporting 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 Furnish a Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.
Product: Credit reporting or other personal consumer reports

Always confirmed or verified never with the payment history and balance
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS EXPOSED IN A DATA BREACH. THESE ACCOUNTS ARE FRAUDULENT. ACCORDING TO FCRA SECTION 605b IT IS ILLEGAL TO REPORT INACCURATE ITEMS ON MY CREDIT REPORT. PLEASE REMOVE THESE ACCOUNTS IN 4 BUSINESS DAYS
Product: Credit card or prepaid card

I made a complaint about a credit card and us bank responded about the wrong credit card. Not only that. They send police to my home and almost to my work and I could have been fired. Because they dont communicate or pay attention. My card ending in XXXX is the issue. The response to my initial complaint is trash. And it shows incompetence on US bank because they cant even get the right credit card account that im complaining about. 
Us bank sent officers to places I live over a conversation I had about my hardship with my XXXX credit card. This company is causing more mental distress because they dont listen. Im taking this to court. Ive had it.
Product: Checking or savings account

Sent Wire transfer for mortgage processing found out it was a scam Bank told me they would refund my money in XXXXwo days this was 30 days ago
Product: Money transfer, virtual currency, or money service

Tried to link my pnc bank account with the app XXXX and other apps online and they never let me link my account due to pnc not allowing them to
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments XXXX XXXX XXXX  Account Dear CFPB, I am reaching out regarding inaccuracies on my credit report related to the XXXX XXXX XXXX  account ( # XXXX ). After careful review, I identified errors in how payments have been reported, specifically a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX under TransUnion. These reports are incorrect, as all payments were made on time. 
It is crucial for credit reporting agencies to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ), and I am requesting a thorough review of this matter. The errors in reporting have negatively impacted my credit file and are not representative of my payment history or financial responsibility. 
Details of the Account : Account Number : XXXX Account Type : Installment Lease Account Status : Closed Date Opened : XX/XX/XXXX High Credit : {$12000.00} Date of Last Payment : XX/XX/XXXX Disputed Information : TransUnion XXXX Incorrectly reports a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX. 
XXXX and XXXX : No similar reporting issues. 
I have attached bank statements and proof of timely payments for these months, which clearly demonstrate that I was never late. These inaccuracies violate FCRA guidelines, which mandate that consumer reports contain only accurate and verifiable information. 
My Request : Correct the Errors : Update the XXXX XXXXXXXX XXXX  account to reflect a status of " Paid As Agreed Never Late '' for XX/XX/XXXX and XX/XX/XXXX. 
Provide a Detailed Investigation Report : As required by 15 USC 1681i ( a ) ( 7 ), I request a description of the procedure used to verify the information in dispute. 
Submit Supporting Documentation : Provide verifiable proof of the reported late payments, including specific dates, amounts, and communications indicating delinquency. 
In the absence of such proof, I expect these inaccuracies to be removed immediately. Furthermore, I ask that you confirm in writing the steps taken to ensure my credit report is corrected to reflect its accurate status. 
Supporting Documents Included : A highlighted copy of the credit report indicating the discrepancies I trust that you will handle this dispute with urgency and professionalism. I expect a resolution, including written confirmation of updates to my credit report, within the timeframe mandated by the FCRA. 
Thank you for your immediate attention to this matter. Please feel free to contact me directly if additional information is needed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an unpaid balance of {$4900.00}, opened on XX/XX/XXXX being reported by XXXX XXXX XXXX, XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX, XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX XXXX XXXX, XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit card

Received email in spam folder stating account was past due. Logged in and checked account to notice a balance. I have not used the card. Looked for card and can not locate it. Card Lost/Stolen. I locked the card after seeing the fraud. I AM XXXX XXXX  and tried to find a way to contact customer service online but could not so I am now filing this complaint to seek help.
Product: Mortgage

I am filing this complaint because Ditech Financial is unjustifiably holding my escrow overage of over {$500.00}. My mortgage escrow account was due for a yearly analysis XX/XX/2016. This was the procedure for prior years and was noted on Ditech 's online website. XX/XX/2016, I noticed that the analysis STILL had not been done. I forwarded an email to them and the next day the analysis was finally done. The analysis showed an overage on my account which was mailed to me. The problem, in addition to being one month late, was that I had moved just as this check was mailed to me. I waited for three weeks and when the check and analysis was not forwarded by my post office, I sent an email to Ditech instructing them to stop payment on the check and issue a new one since I believed either it was lost or was being returned to Ditech. The check finally arrived a few days later and I decided to deposit the check since I had heard nothing from Ditech in reply to my email. The check cleared and I assumed the matter was settled. However, Ditech withdrew the money from my account. When I called them in early XXXX, 2016, they said they had done what I had requested. In fact, I requested a stop payment NOT a withdrawal and I told them to reissue the check and send to my new address. So they did NOT do what I had requested in my email. The withdrawal occurred on XXXX XXXX, 2016 and as of XXXX/XXXX/2016 ( nearly two months ) I STILL have not received the replacement check. Ditech has no right to hold on to this money. I believe they are trying to float the money which is profit for them using my assets. This should be and may well be illegal. I have written them numerous emails trying to get this resolved. They, in turn, have done nothing except send form letters that they are " reviewing my written request ''. There is nothing to " review ''. They clearly have an obligation to give me my escrow overage money and are using stalling techniques to avoid paying me what they have owed me for over 4 months.
Product: Credit card or prepaid card

I have been a customer with suntrust for 10 years. I'm trying to open up three disputes on my credit. Every time I call the rep does not know what they are doing. Normally would only take 5 mins or less and dispute form is emailed. The three disputes are XXXX for XXXX. XXXX for XXXX and XXXX for XXXX XXXX. 

One rep wanted me to hold while he reviews 12 months of notes my account. The manager on the phone didn't know how to open a dispute. One woman couldn't understand to save her life she didn't even understand when I asked for a manager what I was saying. The last person even hung up.
Product: Checking or savings account

A charge appeared on my Venmo account for XXXX XXXX XXXX XXXX and I have no idea what that is for. I havent ordered anything I requested a refund which was denied I have tried contacting XXXX to no avail.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 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: Mortgage

I requested a pdf copy of my fully executed note, deed, and final closing disclosure. The Citizens Bank refused to provide the information.