23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a title loan with advance finance in XXXX ga. When i was unable to pay the payments they sought out a private individual not associated with me or my business with Advance Finance. Advance finance  then lied and claimed i had listed this individual as a credit reference. I have never used this person as a reference. Their claim is fraud. I feel my personal business was exposed with a fraudulent claim in an attempt recover a debt. I adressed these concerns to a man claiming to be the owner of advance finance who told me the federal law does not apply to him. He further claimed that there are state laws that supersede the federal fair debt collection act. I was amazed that a business owner would believe that federal debt collection laws do not apply to a title pawn business. This owner of advance finance then told me he had left a letter in XXXX georgia for me with a person he clained was my mother. I have no contact with my mother nor do i know her whereabouts. This letter supposedly contained personal information regarding my account. I do not have knowledge of any person associated with me currently residing in XXXX  georgia. I feel there have been multiple violations of the federal fair debt collection act commited by this compnay
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the XXXX XXXX XXXX. To date XXXX has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXXXXXX ) 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 ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXXXXXX ) 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 submitted a package to Navy Federal Credit Union who has the mortgage on my property back in XXXX 2017. The property is owned by myself and my mother who is XXXX. Each time we contact them to inquire able the status we get a email stating they are missing a document. We respond the same day with the document and then a week later they say they did not receive that document and another document. I am victim of identity thief so I am vary leery of keep submitting my social number. These are the documents the keep misplacing. My payments at this point is 3 months behind and I began this process when they were one month.
Product: Money transfer, virtual currency, or money service

Robinhood wants to close/restrict my account and take back the 1 % bonus ( XXXX ) they offered my to XXXX in my account from another broker. 

Resolution I seek is that you ; a. Require RobinHood to allow me to keep my 1 % bonus.

b. Require RobinHood to waive their XXXX  Fee.

c. Require RobinHood to remove the restrictions from my account.

Details ; RobinHood offered me a 1 % bonus ( ~ {$7000.00} ), to XXXX in from another broker and open an account with them. The bonus offer does not stipulate you must have access to a cell phone. 
Before I opened account, I notified them I did not own a cell phone or a new digital camera for uploading photos. XXXX XXXX XXXX  have vision issues and currently a smart phone is not a good fit for me. They told me they hand a XXXX XXXX XXXX that I could use and I said did not need cell phone. They have at times allowed my to upload via eMail links and provided XXXX codes, but more times than not, they block my actions to log in from different PCs or withdraw any funds from even my fully verified PC. 
RobinHood has frequently blocked me from accessing my account, and at times impossible to withdraw any funds from my account. 
The bonus offer was such that as long as I did not close the account or transfer out my holdings in excess of what I put in the initial transfer, I could keep the 1 % bonus. 
RobinHood currently refuses to call me, and never allows me to call them. They currently will not allow me to chat, and when they do they frequently are unable to provide any support. They make it extremely difficult to eMail them. Over a week since I reported that they stopped allowing me the XXXX code verification service, they sent me an eMail that stated what I typed in below. 

From RobinHoods XXXX on XX/XX/year> " XXXX XXXX, Thank you for reaching out. My name is XXXX and I manage escalations here with Robinhood. Your case was escalated to me for further review and support. I understand you had a few inquiries that I can provide additional clarification to. After a review of your account, we will no longer be able to support you as a customer here at Robinhood. Please be advised that this is a final decision.

We reserve the right to close accounts in our terms and conditions. In regards to the login verification issues you are encountering, these are security measures in place that can not be bypassed. Additionally, the 1 % claw-back and XXXX  fee would not be waived. While the fees will not be waived, you will still be able to initiate an outbound account transfer without issue. 
Please let me know if you do have any additional questions or need any assistance in regards to the XXXX process if you do proceed with that request. 
Sincerely, XXXX XXXX ID : XXXX ''
Product: Checking or savings account

I had a savings account was over drawn They took money from savings had me over drawn on savings account Then close my account Also I open my account here in XXXX now it says I opened in XXXX XXXX XXXX my account with credit card saying I sigh up when I did not
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a fraud alert on my credit report and creditors were still able to obtain my credit report on item I have not applied for. 

XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. 


Timeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. 

XXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. 

XXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. 

XXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. 

XX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. 

Key Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. 

Formal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. 

Phone calls made to credit bureaus requesting updates and thorough reinvestigation. 

Responses received were generic, with no evidence of a complete investigation into the disputed items. 

Request for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.
Product: Credit reporting or other personal consumer reports

CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR SEVERAL YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME/CAR/LOANS ETC. I ALSO FILED A FTC REPORT AND HEARD NOTHING BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not requested a credit card since XXXX and I have never tried to get a credit card from XXXX ; XXXX ; XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX but they are on my credit report with multiple dates of request. 

Also, there are multiple dates in XXXX where XXXX, XXXX, and Experian did credit checks on me. For what I have no idea because I have not attempted or made any purchases that would require this type of check.
Product: Credit card

Introduction : I am writing to address the recent closure of my credit card account by Ally Credit Card Company, which I believe was done in violation of my rights as a consumer. This closure occurred shortly after I filed a complaint regarding the companys failure to follow proper dispute resolution procedures. 
Background : On XX/XX/2024, I noticed a billing error on my credit card statement. I promptly contacted Ally Credit Card XXXXmpany to dispute the charge, as outlined under the Fair Credit Billing Act ( FCBA ). Despite my efforts, the company failed to acknowledge my dispute within the required 30 days and did not resolve the issue within the 90-day timeframe mandated by law. Frustrated by the lack of response, I filed a formal complaint on XX/XX/2024. 
Additionally, the issue I complained about was paid off, but the credit card company did not issue a refund. Instead, they reported to the three credit bureaus that the matter was still in dispute, further complicating my financial situation.

Legal Framework : Under the FCBA, consumers have the right to dispute billing errors and expect a timely investigation and resolution. Regulation Z further outlines the responsibilities of credit card issuers in handling such disputes. 
Argument : The closure of my account on XX/XX/2024 shortly after filing my complaint, appears to be a retaliatory action. This is a clear violation of my rights under the FCBA and Regulation Z. The timing of the account closure suggests that it was done in response to my complaint, rather than any legitimate business reason. 
Moreover, the failure to issue a refund after the disputed amount was paid off, and the incorrect reporting to the credit bureaus, demonstrate further negligence and misconduct by the credit card company. 
Impact : The closure of my account has had significant negative impacts on my financial stability and credit score. I have been a loyal customer of Ally Credit Card Company for two years, and this action has caused undue stress and hardship.

Conclusion : I respectfully request that Ally Credit Card Company reopen my account and address the billing error in accordance with the law. Additionally, I seek assurance that no further retaliatory actions will be taken against me for exercising my rights as a consumer. I also request that the company correct the information reported to the credit bureaus and issue the refund owed to me.
Product: Debt collection

On XXXX XXXX 2017 I have sent a letter to XXXX XXXX XXXX. The company is reporting an address per this debt on my credit report that is not correct and does not enable them to verify or validate this debt. The letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX
Product: Debt collection

Just received access back into my XXXX XXXX. Noticed a Capitol  One credit card affecting my credit. I have never opened a Capitol  One account and never received a card in the mail. The date listed XXXX XXXX XXXX I believe it was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I'm " CLIENTS NAME, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX 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
Product: Student loan

This student loan debt qualified for public service forgiveness due to employment with the XXXX XXXX. At the time applied my student loan servicer was XXXX XXXX I never signed anything with Mohela who is trying to collect and has only sent me statements. Has not provided any ledger or agreement with my signature.
Product: Credit reporting

Last year we ( me and my wife ) recieved a bill from the apartment leasing company when we moved out of their apartment. As we did not agree with the charges mentioned in the bill, we asked them to provide evidence for the same. they did not provide any evidence but sent the account to a collection agency. collection agency called us multiple times and threatened us that they will ruin our credit if we dont pay up the money. they never provided any evidence for the charges they were claiming. 'they can ruin our credit ' was their only reason why we must pay up. we asked them to go to court if they think their charges were legitimate and if it was decided in court that we owe them the money we 'll pay them the full amount including any interest and legal fees. but they continued to make harassing phone calls despite our request not to call us. 

Late last year, we were looking to purchase our first home as we were planning to grow our family. we got pre-approvals from couple of lenders, we are financially responsible people, our credit scores were in excellent, we were getting the best rates, everything looked good. After many days of house hunting, we finally found our dream house and decided to move ahead with the purchase. last week our mortgage broker called worried and said " your credit score got Dinged, theres a collection showing on your account ''. my score had dropped more than XXXX points. Now I might not get a loan or interest rates would be higher. 

I looked at the report, collection agency had mentioned in remarks that the charges are disputed by the consumer. but still my score was dropped by a big margin. i do not have any issue collection agency reporting it to credit agency, but the credit agency decision to drop my score is not fair. they have reported it as a adverse ( delinquint ) account which is not the case. there 's a difference between delinquint account and an account where charges are disputed. i never refused to pay, if the creditor provide me evidence for the charges, I 'll pay the full amonut. Creditor wants to settle for half the charges, but I can not pay for something that I believe is totally fraudulent. 

So my question is : on what ground did the credit agencies pronounce guilty verdict on me and decided unilaterally to drop my scores. why do they have such authorities to mess up with peoples lives irrationally and negatively. shouldnt they have at least tried to know my side. why do they allow themselves to be a weopon in the hands of creditors so they can bully people. how is it that someone can call me or my wife and tell us to pay up or else they will ruin our credit. And they are able to do it too. what am I getting punished for? that i stood up against their bullying? how does all this make me financially irresponsible or how does it make me risk for lenders? Credit agencies only have dispute option under ownership and accuracy, I can not dispute their action. Now even my lender is suggesting to settle up with them, '' its a small amount, pay it off, get it off your records. '' Seems like an institutional blackmail and i am up against a big rock here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
Product: Checking or savings account

in XXXX of this year, I was offered a bonus to open a checking account with citi bank. the bonus amount was to be {$1000.00}. I have talked to the manager of the branch, and he confirms that I have met all the requirements, and the money should have been in my account last week. the account # XXXX. the branch is in XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get these calls daily from XXXX at Discover saying they've been trying to reach me. If I press one to talk tosomeone and ask not to be called again they hang up on me. This happens daily... sometimes a couple of times a day. They always use my area code and my cell phone prefix. I answer because it could be a doctor or other medical provider. Today the call came from XXXX at XXXXXXXX XXXX. My cell phone number is XXXX. I have called Discover Card and these calls are not coming from them.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request your assistance in resolving an issue regarding the account listed on my credit report under the name TD BANK XXXX XXXX This account XXXX XXXX on XX/XX/2016, and appears to have been reported inaccurately. Specifically, I was not of legal age at the time of opening this account and therefore, I should not have been permitted to open the account. 

Despite multiple attempts to have this matter corrected directly with the reporting company, they have refused to remove the account from my credit profile. Additionally, the account has been listed on my credit report for more than XXXX years, far exceeding the legally required time frame for account retention under the Fair Credit Reporting Act ( XXXX  ), which mandates that negative information be removed from a consumers credit report after XXXX years. 

According to the FCRA, any information reported to credit bureaus must be accurate, and any incorrect or outdated information must be corrected or removed in a timely manner. The inclusion of this account on my credit report constitutes a violation of these provisions, and I am requesting that you intervene and ensure that it is removed promptly. 

I appreciate your prompt attention to this matter and request that you contact the relevant parties to ensure the immediate removal of this inaccurate account from my credit report. 
. 

Thank you for your time and assistance. 
.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company XXXX XXXX has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe Bridgecrest company Ive never XXXX any contracts with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.