23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This is a Pre-paid card and Bank of America put a late payment derogatory remark on my credit report. You can not have a late payment on a pre-paid card. What ever you put on the card is what your allowed to spend. You don't have to make a payment like a regular credit card because they did not extend any credit to me. It's what ever I put on the card, nothing extra.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting items on my credit report which are inaccurate i have sent them documentation on many occasions from the source they claimed to have verified it from that the information they are reporting is incorrect and they have yet to fix the problem
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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

I got XXXX loans from the US Department of Education one opened on XX/XX/XXXX for the amount of $ XXXX.The second was opened on XX/XX/XXXX for the amount of {$3500.00} amounting to a total of {$5600.00}. This reporting to my credit is in violation of the Family and educational, and Privacy act of XXXX. I've filed previous complaints with the CFPB to try and resolve this matter. I have trying contacting the company pertaining to these reporting XXXX and nothing has been done, and it is hindering me from living my life.
Product: Checking or savings account

On XX/XX/15 - I was unable to log into the Majority online app to access my account. I requested online support to resolve the login issue. I received the following message : " XXXX XXXX, The trust and security of our members and their accounts are of the utmost importance to us. For this reason, we routinely review accounts to ensure there is no potential risk. During a recent review, we discovered unusual activity on your account, which is why we have decided to close it. 

No further action is required from you at this time. 

Thank you, The MAJORITY team '' I replied 3 times with messages over phone and email asking for more information. I have not received any additional information. 

Additionally, Majority has not provided me any documents after my account was applied for and opened, or since its closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account to my credit report ... .Everytime I dispute they verify it as a verified account.Its a fraudulent account.Its identity theft.Its not my account.I never had this card.I have been complainianng and they keep verifying the account.It is not my account.I want this account deleted from all of the consumer credit agencies.I can supply this agency and the company/bank with the police report the OCC and FTC XXXX 

I have contacted the federal court house in my city/state.So I can prepare myself for filing a federal lawsuit.I filed the complaints with the FTC, OCC and the police report.So I can create a paper trail for court. 

This is a violation of FCRA ... XXXX XXXX XXXX is reporting incorrect inaccurate and untruthful information on my credit reports ... .This account is not mines... 

I want a copy of the original credit card application, the statements for the history of the account.I am requesting this ... .XXXX XXXX XXXX can either supply it to me now or supply it to me through a federal subpeona.Once the Lawsuit is filed in Federal Court . 

Everytime you update the account its on the credit report ... So if i have too... I will file a lawsuit ... .Its only {$400.00} and you will have to come to court... .Then you will have to explain why you didnt follow through and investigate the account ... After letting you it was a fraudulent account.
Product: Mortgage

Paid XXXX towards my principle on XX/XX/2020 Money was not applies correctly. 
Called on XXXX to have it corrected Nothing was taking care of Called on XX/XX/2020 spoke with person to have the correct it still nothing happened. 
Called on XX/XX/2020 started case XXXX to have the money applied the correct way still nothing. 
Called on XX/XX/2020 Case XXXX to have them try to correct the principle payment again and still not corrections. 
Called on XX/XX/2020 Spoke with XXXX to have them just send me back my XXXX to be electronically deposited into my checking account sent over via email all bank info so have the money refunded. Still nothing Called on XX/XX/2020 Spoke with XXXX to find out why money had not been deposited and he said it was escilated to XXXX XXXX and that it would be handled within 3 business days. Still nothing Called on XX/XX/2020 spoke with XXXX again money was applied to loan and not returned to my bank account another mistake. He DM XXXX to have him contact me to get it corrected. Waiting ... ... ... ... ... ... .. 
Help please
Product: Credit reporting

On my Experian Credit Report, the collections account " XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Experian has n't removed it yet. I received a letter in the mail saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Product: Payday loan, title loan, or personal loan

I opened a loan with One Main Financial in XXXX, I made payments and have had XXXX occasions where I had to do a deferment and one where I had to do something that they tell me that makes no sense to me, My original payout date was XX/XX/XXXX due to this being a 60 month loan. Because of the deferments and the other that I had to do that pushed me out to XXXX of XXXX. 
The problem is that after 4 years of my {$300.00} per month payments I still have a loan balance of {$5400.00}. They charge a fee of over {$5.00} per day in finance charges. I have spoken with 6 different people and everyone has told me that I will continue to accrue finance charges daily. If I were to keep paying my payments every month until XX/XX/XXXX they would have to take every dollar of that payment to pay off that loan balance. This does not include any finance charges. 
I have tried to resolve this on several occasions and no one there can explain to me why my balance has not came down. I have not received any return calls to explain this I am only told that someone will call me back when they have the answers. 
To date I had a {$8000.00} loan and have paid back {$14000.00} with a loan balance of {$5400.00} still. If I continue to pay them the {$5.00} per day in finance charge and the remaining balance of the loan I will pay back {$28000.00}. 
I feel like this company is taking advantage of people who will not question them in the payback process because they are happy to get the loan. I feel like I should be able to get the answers that I have repeatedly ask for. I think that the finance process with this company should be looked at and should be better explained to the clients who come there to get a loan.
Product: Debt collection

I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time. 

I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.
Product: Credit reporting or other personal consumer reports

XXXX ) The Truist account payment history for XXXX, XXXX, and XX/XX/year> is reported incorrectly, showing a XXXX late payment for XXXX, a XXXX late payment for XXXX, and a XXXX late payment for XXXX. This pattern is inaccurate and impossible ( completely skipping a XXXX  day late ). 

XXXX ) XXXX XXXX account is inconsistently reporting to TransUnion and Experian. TransUnion has recorded an unverified payment history while at the same time reporting the account status as XXXX while Experian is reporting the account as XXXX. 

XXXX ) Experian is reporting XXXX unauthorized inquiries from XXXX XXXX As permitted by 15 U.S.C. Code 1681 ( XXXX ) ( b ), I requested a detailed description of the procedure used to verify the accuracy of the XXXX and XXXX XXXX accounts, including parties interviewed and data sources consulted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected for erroneous reporting in my file are listed on my credit report 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
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Charge-Offs Dear Sir/Madam, I am writing to formally request your assistance in removing inaccurate charge-offs from my credit report. I have noticed that there are reoccurring charge-offs listed, which I believe to be erroneous. The details of the accounts in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Action by Company : Sold my information and debt to collections without my acknowledgment and consent. 

These charge-offs have been reported multiple times inaccurately, and I believe this is affecting my credit report unfairly. I have already contacted the credit bureaus and the creditors involved, but the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in correcting my credit report by removing these inaccurate reoccurrences. Enclosed are copies of my credit report highlighting the discrepancies, as well as any correspondence I have had with the credit bureaus and creditors. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION Account XXXX 15usc 6801 Protection of Non- Public Information NAVY FEDERAL has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy NAVY FEDERAL did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my credit report. Because my privacy rights have been violated I am demanding the company block and remove the inquiries from my consumer report no later than 4 business days after such information I provide INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Daily phone call harassments from " Portfolio Recovery '' on my cell phone. I have never given them permission to call my cell number and I am registered on the do not call list. They never leave a message and call from a different number and location from all over the country every day typically at the exact same time in the afternoon. I have no outstanding debt on my credit report and have a credit score of XXXX. I do not owe anyone any money, have never received any written notification of debt in the mail. This is a robocalling scam and I want it to stop immediately. If they have a legitimate debt issue to resolve in my name- send me a letter and I will address it.
Product: Checking or savings account

I applied online for a money market account at XXXX XXXXXXXX XXXX XXXX XXXX City National Bank of Florida. They replied, " We regret to inform you that we can not approve your new account application. '' When I asked why, they said, " We are unable to provide additional information. '' Without knowing the reason why I was denied, I have no way to tell if it's because of some error on a credit report that I can get corrected, or due to discrimination of some kind. Their refusal to say why my application was denied seems in violation of financial disclosure laws.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

Vet charged me for services not given. Service was detrimental to my pet leading to death XX/XX/XXXX charged maximum amount than referred me somewhere else. No explanation of fees or charges by XXXX limit XXXX $ charged it all for XXXX night. Picked him up incoherent and unable to walk. I disputed charge with XXXX spoke to the management of the Vetrenarian hospital. Hospital is XXXX of XXXX on XXXX XXXX. Over sedated saying pet was mean at the time I went to put him to sleep. Indicates mistreatment when they first took him in. Service was not given .should have referred me out and never admitted to hospital as they were unable to give nutritional support through IV. After being in care XXXX day could no longer eat for himself.
Product: Consumer Loan

I had a lease terminate with Ally Financial. I did not believe that I owed them anything but agreed to pay them {$50.00} a month. They put the account in charge off even though I continue to pay. This act lowered my credit score by over XXXX points. They are wrong to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with XXXX XXXXhree times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violate my right XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX account # XXXX, has violated my right. 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 state a consumer reporting agency can not fumish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Attached is a notarized affidavit of facts regarding the credit reporting of XXXX XXXX XXXX, and the instructions for opting out of reporting... The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXX, XXXX XXXX XXXX ) have violated the right to opt out by failing to provide a REASONABLE OPPORTUNITY TO OPT OUT pursuant to cfpb XXXX XXXX. The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXX, XXXX XXXX  ) are in violation of the Privacy Act of 1974 ( XXXX U.S.C. XXXX ) due to the unauthorized collection, maintenance, use or dissemination of personal records contained in a system of records. The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXXXXXX XXXX XXXX ) are on official notice of a conditional opt out persuant to XXXX and 15 U.S. Code 1681b ( 2 ). The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXX, XXXX XXXX XXXX ) have 14 days from receipt of this affidavit to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, THEY REFUSE TO INVESTIGATE MY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

ADDITIONALLY, THE XXXX XXXX XXXX IS REPORTING ON MY ACCOUNT AS A CHARGE-OFF AND WAS RECENTLY ADDED AS A " NEW COLLECTION '. THIS TOO GOES AGAINST FCRA PRACTICES. PLEASE DELETE THIS FRAUDULENT ACCOUNTS FROM MY REPORT IMMEDIATELY.
Product: Mortgage

I have had my mortgage with Loan Care LLC and over the past year I have had increasing issues accessing my account. First, their mobile application stopped functioning. At that point I was still able to access their website for account information. Their website now no longer functions. I have been unable to access my account or verify my payments for 6 months. I have had to call the 1-800 number, wait on hold for up to an hour, and have a representative access my account manually. Today when I attempted to call in, their 1-800 number no longer functions. When I attempt to use the automated system, it gets stuck in a loop and will not allow me to speak with a representative. I have no way to access my account to ensure this company is managing my mortgage appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report Fraud information on credit report. They verified they received FTC, Police Report and Identity Theft report and continue to claim information is correct. All other reporting agencies have done proper investigation along with their third party and determined it was a fraud bankruptcy filing in 2017. The Bankruptcy List as XXXX XXXX and not XXXX XXXX, SS number on file is not listed as XXXX XXXX it's Listed as " XXXX ''. Therefore for Experian to say information has been verified that is incorrect and they continue to report Fraud and not conduct a proper investigation. When asked who provided the information was correct or what source I was told they didn't have to give me that information. When asked to speak with supervisor, I'm always transferred to the voice mail of " XXXX '' from the Team Integrity department, left messages and received no response. Experian has fail to comply with the Fair Credit Act
Product: Checking or savings account

On XX/XX/2018 at XXXX XXXX  pst i used a Chase bank ATM to withdrawal {$500.00} I did not receive any money from the ATM and the receipt that was dispensed clearly states it as well. However, my card account was debited a total of {$500.00} from Chase. I contacted Chase by phone and also went in the branch spoke with the Branch manager which told me they are unable to do anything right now since I do not have an account with Chase so I need to contact XXXX XXXX and have them initiate the dispute. I then contacted XXXX and filed a dispute and have also faxed a letter stating what had happened along with my receipt from the ATM and still dont have my money. I contacted Chase numerous times and they just keep telling me they can not do anything and to contact my bank so they can contact them themselves and that they are sorry. I also contacted XXXX numerous times and feel they have not done anything also cause I havent been given any provisional credit and they just keep telling me it can take up to 45 days. None of the banks have done anything for me but give me the run around.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  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 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 60 days 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. 


XXXXXXXX XXXX XXXXXXXX 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 8