23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I found out today that there are several fraudulent charges on my XXXX debit card issued by Comerica Bank ( DirectExpress - USDirectExpress.com ). I 've tried multiple times to dispute these, but each time I 've been disconnected. I 've reached the first tier customer service- after giving all my personal info each time - and then they say I have to talk to " Level XXXX '' and they transfer me and then I get disconnected after they transfer me. One time I did reach a level XXXX rep and told her about problem being disconnected and she said it would n't happen again, and sure enough it did. They have the info regarding which charges are fraudulent, but apparently I still need to talk to another dept. anyway - yet I ca n't reach them. They ( the crook ) took all of my XXXX payment which is what my son and I live on and now there is no money left in my account so we are in a desparate situation. I 've also had other issues with this credit card company where they cancelled my card without notifying me and then charged me for a replacement card. I appreciate any help you can offer. Also, uploaded transaction info from bank website which shows XXXX of the fraudulent charges ( apparently there are others that have n't appeared on the website yet. ). The first XXXX charges are fraudulent XXXX XXXX, XXXX XXXX XXXX XXXX and there are also several not shown which are from the XXXX XXXX, CA area ( XXXX. and others ) which are fraudulent as well. The only authorized charges were from the XXXX store and XXXX atm withdrawal - the rest were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

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 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Flagship received a dispute from me, removed the correct information and then re-reported the information. After another dispute they refused to remove the information from my report, resulting in an over XXXX point drop to my credit score. The have and still are only reporting the late payments, even though I am not responsible for the account, to the account and refuse to report the on-time payments to the credit bureaus, only reporting on time payments as " no data available. '' Now that the account has been paid over for over 30 days, they have not reported the account as paid off. I was deemed not responsible for the account in XXXX of 2023, but they continue to report only the late payments and none of the on time payments every month after that. This is after they initially removed me as responsible for the account in roughly XXXX of 2023 and removed all of the late payments from XX/XX/year> to present.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Vehicle loan or lease

I took out a car loan with Chase Bank on XX/XX/XXXX through XXXX. I paid {$3000.00} cash down. Payments of {$260.00} began XX/XX/XXXX. I have been paying in cash most of the time, but lately, pass few months some times I have been asked to show my ID to pay in cash. When I did n't show my ID on XX/XX/XXXX, the payment was accepted. On XX/XX/XXXX the teller refused to accept my payment without my ID stating '' The process could not be completed without my ID. because I was paying with cash. I ask " why, she replied that Chase requires an ID to be shown to complete a transaction with cash.I stated that I paid the bill last month without showing an ID. She stated '' they must know you there or you have an account there. I replied, NO, I just have a car loan through Chase Bank. She apologized for not being able to accept my payment. I took my money back and contacted FDIC over the internet and filled out a complaint about Chase but it would n't go through. I then contacted FDIC through their XXXX number to be told '' Chase is no longer affiliated with FDIC and was referred to CFPB.
I just want to pay my bill the way I want to pay it without any hassles as I have done in the past. I looked at my receipt from Chase and it states that '' JP Morgan Chase Bank, N.A. Member FDIC, Equal Housing Lender. Please explain what the person meant by Chase not being affiliated with FDIC.
Product: Bank account or service

I have tried to open an account with Suntrust in conjunction with my XXXX XXXX Member Account. I opened the account online around XX/XX/XXXX. Suntrust Policy states that an account had to be inactive for 90 days to be closed for inactivity, says the Suntrust representative. Although, somehow my account was closed on XXXX fifth. I just received my Debit Card today, on XX/XX/XXXX. When I called to activate my card, I was transferred to the Representative that explained the earlier statement, and was told that my account had been closed due to inactivity. When I started questioning that decision and requested to speak to a manager, he became irate and ended the call. This is n't the first time I 've dealt with the exact same situation with Suntrust before. It has happened multiple times. This has to stop.
Product: Mortgage

I was in the Covid relief act and in forbearance and my late payments were reported late while I was in Covid relief and in forbearance and late payments were reported to the credit bureau and Im trying to have them removed from my credit report so I can refinance my mortgage. I have phh mortgage services. They reported 3 late payments while I was in forbearance under the Covid relief.
Product: Debt collection

The property manager at XXXX XXXX at that time failed to follow company guidelines with assisting me vacating the property properly. The property manager approved the lease being broken early, signed off on property being returned ( keys and locks ), but failed to submit a claim that the apartment needed repairs within the proper timeframe under XXXX XXXX guidelines & procedures. 

I informed the property manager numerous times of the repairs needed, she told me not to worry since my account was in good standing. 

XXXX XXXX issued me refund move out check for an amount but later sent me to collections for a different amount than the refund check. I am demanding this account be deleted off my credit report since the property manager failed to follow proper procedures at XXXX XXXX. 

In the email, the collections department stated that the property manager failed to submit any claims for repair -- It is clearly factual that XXXX XXXX failed to follow proper procedures. 

In the email thread with XXXX XXXX XXXX department, it is clearly stated Our Accounting Dept moved quickly as the property manager did not submit their final inspection report with pictures. 

The property issued refund check on XX/XX/2021 to me, not National Credit Audit Corporation BEFORE the move out statement was issued which was XX/XX/2021. 

It is clearly factual that XXXX XXXX failed to follow proper procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to respond to my disputes because I used a free dispute letter from the internet and Information on how to submit it for free and have it tracked both ways. I have done nothing to violate any regulations. The CFPB provided the complaint system. I provided Experian with all the required information to identify me through the system...
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information ( DOB, SS #, address, credit info ) was compromised by Equifax, leaving me a likely target for identity theft. First issue of complaint is that I was not notified but instead had to research how to protect myself based on a news story! I went to a website that asked for more personal info to see if I had been impacted by this breach. I had. I was not given any guidance about what to do to protect myself. I was not offered any solution. I was forced to search myself for options, all of which will cost me time and money and a lifetime of watching every transaction, every attempt at using my credit report, every attempt at using my personal information and may still result in financial harm to me if something gets through. This is not my line of work. Equifax is responsible and they should make it right, as much as it is possible to do.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection account is reporting not only as OPEN, but also shows a past due balance of {$380.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. ACCOUNT XXXX XXXX  XXXX
Product: Checking or savings account

Lending Club Bank formerly XXXX XXXX Account was frozen unknown time frame of when my checking account was first frozen. I attempted to log in but the system would not allow me to as shown in screen shots. I also tried a password reset but that did not work either. I also tried to use my debit card but that also doesnt work. 

Spoke to XXXX on XXXX did not have an answer for me said someone will get back to you in a few days I did not like that answer so she said she would talk to a manager to un freeze my account the same days. She advised me that she would get back to me within a few minutes that never happened. 

I called again on XXXX and spoke to a XXXX and all she did was put in a ticket to some mysterious review department and said the same thing that XXXX said, that someone would get back to me in a few days via email. 

I am not sure what operation they are running here but a normal bank would allow me to speak to someone and advise me of whats going on I am not sure what type of review I am under as they can not explain to me why my account is on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 Vance Huffman LLC has added a collection account per XXXX XXXX upon further research, this account was transferred and i am no longer responsibile for this account. Debitors did not verify this collection. Also there is no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Vance and Huffman LLC has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 the consumer completed an online credit application with Lendmark Financial Services and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Futhermore, Lendmark Financial Services has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because Lendmark Financial Services does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), Lendmark Financial Services actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer.

On the online credit application by Lendmark Financial Services, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. Lendmark Financial Services sent a letter of " Adverse Action '' to the consumer stating that " In compliance with Regulation B ( Equal Credit Opportunity Act ) ... your recent application for credit has been declined/terminated. ''
Product: Checking or savings account

This is in relation to the complaint i made to the CFPB earlier. 

ID : XXXX The Response from the bank is not to my satisfaction. Let me explain the problem better.

I requested the bank manager to deposit a cashier 's check from a tenant into my account.

The check was issued in the tenant 's name, but the tenant had sign the back of the check.

This is a common way to do real estate transactions.

The bank manager refused to deposit the check and asked me to leave. This is refusal of banking services by the bank. As they have untrained personnel managing these branches.

It is the Bank 's responsibility to make sure only trained personnel are bank managers. 

I walked over to XXXX XXXX, where I also have an account and they accepted my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There was fraud reported on the 2 separate debit cards and they refused to return my money. They said there were doing an investigation and have done nothing and refuse to return my money. 

Money was stolen and deposited into a XXXX account. I called XXXX and they agreed there was fraud and they returned the money to the debit card. 

Vanilla prepaid cards ( Incomm ) is a returning my funds.
Product: Credit card

Someone Fruad Opened a Credit Card and a loan under my name. The credit Card Was under discover opened XXXX XXXX and that account has gone to collections charged off for the amount of {$210.00} it was a secured credit card i never opened it neither knew who that company was and now im stuck with a balance and a bunch of late payments on my credit report. The loan was a secured loan for self lender by lead bank it was opened back in XXXX XXXX and balance of {$520.00} and also stuck with bunch of late payments on my credit report and balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting information on my consumer file that is impacting me tremendously. My credit scores are and have been impacted. The XXXX XXXX XXXXXXXX XXXX has stated in writing that they do not report information to the Credit reporting Agencies. The Credit Reporting Agency insists that the Creditor is the one providing this information to them directly which is false. Due to this I am requesting for this account to be removed from my Credit Report immediatley!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A credit investigation form was sent to all 3 bureaus and came back verified. I then sent a debt validation request to the collection agency LVNV and to the original Creditor, XXXX   XXXX. LVNV forwarded it to XXXX XXXX who in turn returned the envelope back to me unopened. They are both refusing to provide me with the debt validation information that I am entitled to under the FCRA.
Product: Vehicle loan or lease

I was not disclosed on the XXXX and XXXX Contract that I signed for purchase that this loan would be reported to any of the three credit reporting agencies, mainly XXXX, XXXX and XXXX XXXX. Furthermore, I am not aware of M & T 's practice on sharing my information with third parties. They have not disclosed what my rights are in that matter. I dispute any reporting of any loan commitments with M & T Bank since it was not disclosed beforehand and I did not have the opportunity to study its terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency.

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.
Product: Mortgage

I have had constant problems with Ditech Mortgage not posting my payments promptly. I pay 2 months ahead on my mortgage and it is a good thing because they take forever to post payments. According to my bank, Ditech received my last payment on XXXX XXXX, 2016 and as of today, XXXX XXXX, 2016, the payment has not been posted. 
Ditech is the WORST mortgage servicing company that I have ever dealt with. 
When you contact them, all you get is a canned response and never get a resolution to the problem.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to XXXX, Equifax and XXXX and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/scrub> XX/XX/XXXX regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity