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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

In the documents below, you can see autopay was scheduled for the XXXX of XX/XX/2023. The company took the payment on their own in advance of the autopay. In my bank I didnt have enough funds, because I get paid on the XXXX and on the XXXX of every month. They charged me a {$35.00} fee, when they messed up.
Product: Checking or savings account

Citi closed my account for no reason with {$10000.00} in it and is still refusing to send me the check. It's been 55 days since I've been locked out of my account which is approaching even Citi 's own deadline for sending me the funds. I tried sending in several CFPB complaints but the analyst on the case XXXX has been completely incompetent and unprofessional. His manager refuses to assign someone else. I need my funds and I need anyone but XXXX on this case.
Product: Vehicle loan or lease

XX/XX/XXXX my girlfriend ( now former ) and I purchased a vehicle, our agreement was that she would keep the vehicle and make all the payments. From the loan history it is more than clear that she made more late payments than on time. 

Bridgecrest was contacted several times, the chats are attached. I do not have copies of the previous chats, but i am sure they have records. 

XX/XX/XXXX contact from me XX/XX/XXXX response XX/XX/XXXX additional questions XX/XX/XXXX no response, so i followed up XX/XX/XXXX general response, no answers XX/XX/XXXX request for financial agreement/loan contract XX/XX/XXXX submitted, 2-5 business days for processing XX/XX/XXXX requested again, sales contract was the only thing received from prior request XX/XX/XXXX requested again, since no response was received XX/XX/XXXX contract received A phone call was made to Bridgecrest on Friday XX/XX/XXXX XXXX object to the extension of the loan with customer service. Customer service advised me that the extension is approved upon request of the client, no written request or signatures are necessary. 

The Installment Contract ( attached ) states on the bottom of page 3 : " General : Any change in this Contract must be written and signed by you and us. The law of the state of the Dealer 's place of business shown in this Contract applies to this Contract. If that law does not allow all the agreements in this Contract, the ones that are not allowed will be void. The rest of this Contract will still be good. '' There were 2 extensions requested by my former girlfriend and given the first on XX/XX/XXXX, the second on XX/XX/XXXX. Each contact made, or attempted to make, with Bridgecrest was to voice my objection to any extension. I never agreed to or ratified any extension to the loan. At one point the customer service employee I spoke with said the extensions were a courtesy given to the customer. 

Bridgecrest is in breach of contract. Their own contract says any change must be signed by, " you and us, '' They modified the terms of the original written contract that I never signed, agreed to or ratified. In reality they extended the terms of the contract and made me liable for more than I contracted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, XXXX and Equifax on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the account 30 days past due. 
15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.
Product: Bank account or service

This is State Farm XXXX. Can you helpI handed XXXX XXXX {$40000.00} to put in to a saving account in XX/XX/XXXX to go with my life insurance so my son would get it if I die. I have Close all of my account with state ( for all of Lies ) as XXXX But for some reason He keeps giving me the run around and will not give me back my money. Every time I call him or his office they tell me it is going to take 7 days I do n't think he planning on paying me back
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Here are a list of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX
Product: Debt collection

nationwide west LLC ( Illinois based loan company ) has been calling my business phone up to XXXX times per day from various listed and unlisted phone numbers from every state regarding a less than 30day late missed payment. ridiculous and harassing! they even call people I know asking them to forward me a message to call them back! talk about crossing boundaries!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 4 months I've been sending letters of dispute to Experian, but have not been getting any response. I've sent a letter in mid XXXX, mid XXXX, mid, XXXX, and mid XXXX and I still have not receive any response regarding my disputes. I went online today XX/XX/2022 to file a dispute but it was not giving the option to dispute/challenge 2 of the items. I receive a message stating that the items was already disputed but I have not receive any letter regarding the items.
Product: Checking or savings account

US bank as well as has been giving the run around I have been trying to get to my money has disappeared into other as well as us Bankcorp I opened the account in XXXX  and somehow my money disappeared into other business accounts and the keep giving me the runaround. I have called at least XXXX times. I keep getting kicked out of the mobile app. I need help
Product: Debt collection

Debt Collection Company Augusta Collection, XXXX XXXX ( SP? ) Owner. XXXX For several months we have been receiving automated calls to our home phone. Attempts to press 9 to talk to an agent have resulted in being disconnected or being sent to voicemail. Any response to the automated calls result in immediate call backs from the automated system that disconnect when answered. I have blocked several phone numbers from this company but they seem to be able to circumvent this and manage to get through, I assume they have multiple numbers. All this calls have been for my Mother-in-Law who has never lived here and has been in a XXXX XXXX for several years due to XXXX XXXX XXXX XXXX XXXX. My wife has a POA for her which I assume is how they got our number. We are on the do not call list. Today after receiving another automated call with no response I redialed the number and for the first time a person answered the phone. She immediately started demanding information and I told her until she identified the company and herself I was not going to give her any information. She said she was the owner of the company and asked if XXXX lived here and I said no but she was my mother-in-law and what debt did this concern. Again she started demanding the address and phone number wheremy mother-in-law lived and when I told her until she explained what this was about I was not giving any more information. When I started to tell her I did not appreciate the harassment she hung-up without saying anything. In my assessment Augusta Collections is a third party debt collector using technology and intimidation to get money from frightened or confused individuals. Harassment is their business model with the hope of recouping a marginal percentage of purchased debts. They have no concern or interest in the individual or situation.
Product: Checking or savings account

Wells Fargo closed my account after charging me ridiculous charges ending up in closing my account
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I was on REPAYE and applied for SAVE because MOHELA wasnt updating it. I did it through StudentAid.gov with my tax information coming from the IRS. My payment was XXXX under SAVE. Mohela processed my IDR info and changed my payment back from the SAVE payment to the REPAYE payment. They are billing me incorrectly and I want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I conacted XXXX in regards to this charge off on my credit thats been there for years and requested that they remove the incorrect information. AFter years of trying i started to see if there were any other ways to get this fixed I contacted XXXX and transunion along with XXXX with no success. Please help.
Product: Debt collection

Iam filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, It remains unresolved. I request immediate investigation and removal of this item, As it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their handling of my recent credit report dispute. On XX/XX/, I submitted a dispute letter concerning two specific items : a XXXX  XXXX Bankruptcy with Reference # XXXX and a paid charge-off account under the name XXXX XXXX, with the account number XXXX. My concern arises from the responses I received from TransUnion, dated XX/XX/, and XX/XX/XXXX XXXX  both of which accused me of using an unauthorized third-party and subsequently declined to investigate my disputes. Astonishingly, this pattern of response is consistent with a prior dispute I submitted on XX/XX/. What deeply troubles me is that, despite my multiple attempts spanning over six months to resolve these credit report inaccuracies, TransUnion has consistently delayed or refused to investigate, despite the disputes being submitted directly by me and my diligent provision of identification documents, including copies of my ID, proof of address, and social security card for proper verification. Given this persistent lack of response and action, I am left with no recourse but to demand the permanent removal of these two items from my credit report. Furthermore, I wish to provide additional context regarding the XXXX XXXX Bankruptcy with Reference # XXXX. This entry is notably incomplete, lacking essential information in the Asset Amount, Liability, Exempt Amount, and Remarks fields, rendering it unreliable and misleading. Additionally, I've taken the initiative to contact XXXX, the vendor employed by TransUnion to obtain public record information, only to discover that they are unable to authenticate my identity or locate a record for me. This raises serious questions about how TransUnion can continue to report this bankruptcy on my credit profile. Furthermore, my repeated attempts to contact XXXX XXXX since XX/XX/XXXX  have yielded no response, rendering the information regarding this account unverifiable.
Product: Payday loan, title loan, or personal loan

This company specializes in home improvement and pool loans, I filled out all information and was approved but now after sending in Id 's and sending in the contracts details everything has stalled and promises fron Lyon Financial to send me the final documents to sign have not been done. For over a week I keep being told they will be sent but nothing has happened, Myself and the contractor is waiting on final documents to begin work. 
Their last excuse was they are behind in processing applications. 
My loan has been approved since XXXX I believe. Just need help getting the ball rolling. They have discriminatory complaints with the XXXX against them. Thanks.
Product: Credit reporting or other personal consumer reports

GOLDMAN SACHS BANK USA Has issued a card under my name and failed to provide me proof that I opened the account. 


This company had caused me a lot of term oil and they will be reported to the authorities of there scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against SUNTRUST XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were
Product: Vehicle loan or lease

I returned my  XXXX  lease in  XXXX   XXXX  and was told by the dealership,  XXXX   XXXX   XXXX  of  XXXX   XXXX , that the disposition fee would be waived because my grand daughter was leasing a car from their dealership in the same transaction.     I received  a bill two weeks after (   XXXX   XXXX  ) leasing the car to pay the disposition fee. I called  XXXX   XXXX  as well as  XXXX   XXXX   XXXX  to dispute this charge and was told by the customer service rep that the fee would be waived. I did not receive another bill, phone call, or other contact from  XXXX  again.     In  XXXX   XXXX  I received a letter from a collections agency that I owed the disposition fee amount. I promptly contacted  XXXX   XXXX  and explained the situation to them. I specifically told them to review their recorded phone call line to confirm that I was told the fee would be waived. The rep said he would and he would have a supervisor call me back. I was never called back.     I have called  XXXX   XXXX  to resolve this account on :  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  I never received any response back as I was told I would.The collections agency collecting on behalf of  XXXX   XXXX  is unwilling to check with  XXXX  for the recorded phone call in which I am told the disposition fee would be waived.     Based on the fact that I did not receive a bill from  XXXX  between  XXXX   XXXX   XXXX , and that  XXXX   XXXX  is unwilling to review the recorded line, I strongly believe their billing and collections practices are unethical, illegal, and overall shady. To tell a customer their fee is going to be waived and to never contact them again until sending their account to a collections agency an entire year later points to more concerning issues regarding possible fraud, exploitation, deliberate deceit, and extortion.
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 {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letters to XXXX, Transunion and XXXX stating that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state a credit reporting agency may only furnish and report my personal information with my written consent, which I never gave to any of these agencies. 

On XX/XX/year>2024 I received notification from XXXX that these inaccurate accounts have been removed from my report ( attached is the exhibit showing proof of this ) yet on XX/XX/year>2024 Transunion responded back ( attached is the exhibit showing proof of their response to the same letter as XXXX ) and they did NOT comply with my requests and are in direct violation of my federally protected consumer rights. How is it possible that XXXX can remove these accounts but Transunion can not? Transunion is choosing to directly violate the laws created to protect consumers privacy. 

Additionally, Transunion is now in direct violation of 15 USC 1681 ( e ) ( b ) where they are not taking any reasonable procedures to ensure maximum accuracy of my personal information on my credit report, as it does not match with the reports from XXXX or XXXX. 

It is Transunion 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Product: Debt collection

On XX/XX/year>, I made an attempt to get the original signature of the agreed upon contract for this creditor. Now I ask for The validation claim according to Debt Collection XXXX5 USC 1692 G. 1. Details on the full payment history on the amount agreed on in the original contract per month. 2 the original signature for the agreement contract for CCS Collectors. 3. Has there be any insurance claim filed on this Debt. 4. please send me the chain of Title on this Debt. Immediately and mark this collection as closed within 15 days.
Product: Credit card

I applied for a Chase loan in XX/XX/XXXX, which was supposed to last for 24 months. In XX/XX/XXXX, I realized that I had forgotten to turn off the automatic payment for my Chase credit card, which then attempted to use my debit card to pay off my loan. I immediately called Chase and was informed that if there were insufficient funds in my debit account, the transaction would not go through, and I would not need to worry. 

I later checked my transaction history and confirmed that XXXX attempts were made to pay off my Chase loan using my debit card, but they were reversed as expected. However, in XX/XX/XXXX, I received an email stating that my Chase loan had been paid offwhich I never authorized. Upon further investigation, I found that the payment was made by charging my Chase credit card, which now carries a 21.24 % APR interest rate. 

I did not authorize the use of my credit card for this payment, and Chases prior assurance that the automatic payment would not go through was clearly incorrect. This has negatively impacted my financial situation by increasing my credit card balance and subjecting me to high-interest charges. Chase has refused to reverse this unauthorized charge.