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

I, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY.The following accounts reporting to my consumer report is a violation of my privacy. REMOVE THE ACCOUNTS LISTED BELOW XXXX bank account was closed as of XXXX but is showing on my consumer report as 30 days late in XXXX XXXX 60 days late in XXXX XXXX  60 days late again in XXXX and 90 days late in XXXX of XXXX. How can an account be 60 days late twice. I demand that This is inaccurately reported account be deleted. The reporting of late payments during COVID 19 as per the CARES ACT is also a violation **documents attacthed** -XXXX XXXX XXXX account XXXX XXXX was removed from XXXX and XXXX due to the account being inaccurate. Remove this account -Us Department of Edu accounXXXX XXXX XXXX XXXXUs Department of Education account XXXX XXXX XXXXUs Department of Education account XXXX XXXX XXXXUs Department of Edu account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through Experian credit agency. 

Regarding : Suit or judgement notification submitted by XXXX XXXX XXXX. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : XXXX XXXX XXXX Status : Grid code 9 Case number : XXXX XXXX XXXX of XXXX, IN I have called XXXX to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed auto loan account with Ally Financial that I paid off in XX/XX/XXXX. It was reporting to XXXX, XXXX, and XXXX for its entire tenure. For some unknown reason, it stopped reporting on my XXXX  report. I contacted XXXX  for them to put it back on my report. I've sent in documents from Ally Financial numerous times to XXXX  and had Ally Financial to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to XXXX documenting the account.The loan still shows on XXXX and XXXX, but not XXXX. Myself, along with Ally Financial, have been asking XXXX to update my credit file with my Ally Financial account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with XXXX because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .
Product: Mortgage

My mortgage was taken over by Fifth Third Bank. The notification process was incomplete. They did not provide clear verification that they were indeed the new mortgage processor so it looked like a scam. 

Once I verified they had bought my loan, the only way to pay the mortgage was to enroll in other services with their bank. 

They do not have adequate or informed customer service representatives. It is all automated which makes it appear like a scam. 

They claim that I missed payments, and send mailed statements saying I owe more money but their online system does not show the same balance as the mailed statements again making the process appear like a scam and very confusing. 

The inability to pay without using more services, the inconsistency in the paper and online statements has caused late fees to be assessed which need to be removed.
Product: Debt collection

Clark County Collections started reporting, illegally, with the credit bureaus. I sent a letter asking them to validate and prove this account belongs to me since I live in XXXX XXXX XXXX and they sent a statement from the original company and told me to call the original creditor directly. However, this is illegal as Clark County now has this file and needs to legally provide all the information I am requesting.
Product: Checking or savings account

I have filed 3 dispute with my bank PNC {$250.00} ( XXXX XXXX XXXX ) XX/XX/2022 {$1100.00} ( XXXX XXXX  ) XX/XX/2022 {$960.00} ( XXXX ) XX/XX/2022 I contacted the company and my bank for all these dispute and i have received was a run around from my bank and no giving me any information on the disputes
Product: Checking or savings account

Hello to all. I have screenshots and emails from company Wells fargo continuously over drafting my account. Charging my card multiple time in the same week/month. Me calling complaining to the point of me just giving up try with well fargo. Multiple times my account was frozen and blocked multiple times i had to receive a new debit card because the company kept over drafting my card. They kept overdrafting so much that i just didnt use the card anymore after calling and wells fargo closed my account and access to the mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard Inquires on the XXXX credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my TransUnion XXXX XX/XX/XXXX
Product: Credit card

I had a JCPenny credit card administered by Synchrony Bank. I paid my first purchase in full on XX/XX/XXXX, a few days before the due date. I used my bank 's online payment service. The transaction was successful. About 2 weeks later, I received a robocall asking me to identify myself. The recording did not identify the caller in any way, it simply asked me to hit 1 if I was myself and 2 if I was someone else. I believe that the caller should identify themselves, so I did not answer. I did speak to a representative. She also would not fully identify the company. She kept saying " Synchrony Bank '' and that she was trying to collect a debt and was I myself. But she would not tell me who I supposedly owed money to, until I finally identified myself. Then she finally told me who I really was dealing with - my JCPenny account. She said I was past 30 days overdue. I told her, no, I had paid that in full. I told her to cancel the account. I do n't care to do business with a lender that disguises their identity and harasses me with intimidation tactics such as robocalls demanding my identity and lying about the circumstances. The bill was due XXXX XXXX, and they claimed I was 30 days past due on XXXX XXXX. There is no way that is possible. After some investigation, I discovered that I had the wrong account number in my payment information. This was my error. However, Synchrony accepted the payment against an account that I had closed long ago. If they had not accepted it, I would have been able to correct the error immediately. They also made no civil attempt to communicate with me. The call arrived before my next statement, so there was no written communication indicating that there was a problem with the account. The call itself was inappropriate - the lender/collector is supposed to identify themselves. They should not be able to lie about the debt itself, which they did in claiming it was more than 30 days overdue. Synchrony is pretty sure that they 'll remove the {$25.00} late fee from my cancelled account, but equally sure that I will be charged the interest for the payment that I made on time.
Product: Debt collection

e purchased two pieces of furniture from XXXX XX/XX/2018. We sent the first piece back with no problems, but the second piece we sent back was a month out. We called the company to confirm that someone could pick up the furniture because it was damaged and we didn't want it. They agreed and we paid a XXXX dollar re-stocking fee with them, however, they keep sending us bills for the furniture and we've already paid the re-stocking fee and anything that goes along with it. Now they're saying because of late payments for a couple of months, that we owe them up to {$490.00} for late payments when we don't have the furniture in our home and it was already supposed to be taken care of.
Product: Checking or savings account

I have been attempting to close checking and saving account since XX/XX/XXXX, including calling, sending secure message from online banking, and written letter to close accounts. Bank has made it nearly impossible to close the account and is now levying fees as the fee waiver requirements are not being met as all monies have been removed from the accounts in anticipation of closure,
Product: Debt collection

Calls are being made to a public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.
Product: Credit reporting or other personal consumer reports

I sent XXXX dispute letters to Equifax due to them reporting inaccurate account on my credit report. I asked them to investigate and if they found this account verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Product: Credit card or prepaid card

My XXXX practice suggested Care Credit as a solution for a {$7000.00} XXXX  procedure. I signed up in the office and immediately had the funds available for the procedures. After paying on time every month {$220.00} for a year with my balance looking like {$5000.00}, I received a notice the introductory offer was over and I now owed {$7100.00}. More than I originally agreed and with a new monthly due of over {$430.00}. What???? Nearly {$2000.00} in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Experian credit report ( XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/2022 XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SECTION XXXX A STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX A SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX U.S.C XXXX { a } { XXXX } SECTION STATES NO CONSUMER REPORTING AGENCY XXXX MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OR INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

XXXX U.S.C XXXX { A } { XXXX } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX  XXXX {$18.00} XXXX XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$410.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Privacy Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

The company has wasted all of our times disclosing nothing of value. Therefore a new complaint is opened. A complaint will continue to be filed until the company discloses WHEN they will be returning my funds. They have been holding my funds past the minimum of 90 days, and there are no circumstances that require them to hold it any longer.
Product: Credit card or prepaid card

I have the first access credit card by total visa. I have had this card for over 6 months and have paid my bill every month. I asked for a credit line increase even it was a small one and the last three times they refused. I make enough money I am trying to improve my score but I cant do that with the current limit that I have. I have been a good customer they need to raise my limit. I am frustrated that they used computer software to determine approval or not. What happened to the old fashioned person looking at the account. I am disappointed and frustrated with this company.
Product: Debt collection

Still getting letters & harassment by the debt collector. Even though I sent them letters.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan on XX/XX/year> and was told they couldn't offer a loan on the amount I applied for but could provide a lower amount. I sent all information requested and on XX/XX/year> was sent an email to log in and accept the terms. I logged in to a page that showed the terms of the loan, asked for me to pick a date for payment, and then had a button for me to click and sign. When I pressed the click and sign it showed me a decline status. I looked at the applications and it showed my original on XX/XX/year> that stated it was in the document being submitted stage, XX/XX/year> showed 2 different applications 1 approved, and 1 declined 15 minutes apart. Something seems sketchy.
Product: Credit reporting or other personal consumer reports

I checked my credit report with Experian and saw an inquiry from XXXX XXXX XXXX, even though I haven't applied for any credit with them recently. The inquiry shows that it was put in on XX/XX/year>.
Product: Mortgage

I have applied for loan modification and recently I am trying all option possible. This is 3rd time I am submitting the loan modification package.However, lender never response to my application.I have pending sale date on XX/XX/XXXX and I really need help from Chase to stop and give me some other options and I even consider to sell my house to get equity. But at least I have options to retain it
Product: Credit reporting or other personal consumer reports

I am deeply troubled by the apparent errors, lack of updates, and the absence of verification in the negative items reported under my name. I believe it is important to emphasize the importance of accurate and verified information in credit reporting, as these discrepancies can have far-reaching consequences on my financial standing and overall creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report and to this day which is well over 60 days, I have yet to receive a response. At this point I feel like my issues aren't being taken seriously and I feel completely disrespected in regards to my disputes. I know that things are moving slow due to COVID but the law is the law and I should have received a response by now and since I haven't all those inaccurate items needs to be removed from my account immediately or we will be heading to small claims court which I have no problem doing. My information was apart of the equifax data breach and could have been placed into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND I AN SUBMITTING THIS COMPLAINT WITHOUT ANY THIRD PARTY SOR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item :
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT I NOTICE THERE IS UNAUTHORIZED CREDIT INQUIRIES MADE BY THE COMPANY 'S LISTED BELOW I CONTACT XXXX REGARDING THE UNAUTHORIZED CREDIT INQUIRES ON XX/XX/XXXX XXXX I SOPKE WITH XXXX REPRESENTATIVE XXXX XXXX XXXX 
I TOLD XXXX XXXX XXXX TO MY KNOWLEDGE I HAVE NOT SIGNED ANY DOCUMENTS AUTHORIZING THE COMPANY 'S IN QUESTION TO VIEW MY CREDIT REPORT AND THAT THE LISTED INQUIRIES WAS WITHOUT MY AUTHORIZATION. XXXX XXXX PLACE ME ON HOLD WHILE HE INVESTIGATES ON HIS END CHECKING AND VERIFYING HIS SYSTEM. XXXX THEN CAME BACK TO THE PHONE AND TOLD ME THAT I HAVE NO ACCOUNTS OPEN WITH ANY OF THE COMPANY 'S BELOW AND WHAT I NEEDED TO DO IS SEND A LETTER IN WRITING TO HAVE INQUIRES REMOVE. 
ON XXXX XXXX XXXX MAIL OFF CERTIFIED NOTARIZE LETTERS INDIVIDUALLY TO XXXX AND LISTED COMPANY 'S ASKING TO INITATE AN INVESTIGATION AND REMOVE INQUIRIES FOR THE LISTED COMPANY 'S ON XX/XX/XXXX I RECEIVE A LETTER FROM XXXX WITH RESULTS OF INQURIES DELETED FROM MY REPORT ON XX/XX/XXXX I CHECK MY XXXX REPORT NO CHANGES HAS BEEN MADE IT STILL SHOWS ALL 38 UNAUTHORIZES COMPANY ; S. 
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 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 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 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 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 XXXX XXXX XXXX
Product: Debt collection

CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX To Whom This May Concern : I am writing this email to try and resolve this issue, which we have attempted more than a dozen times. 
My name is XXXX XXXX XXXX, and I once had an account with Capital One. 
Sometime in XXXX XXXX, I purchased a subscription from XXXX for {$89.00} with a one week free trial. The site turned out to be very difficult to access, we have tried multiple times and gave up. Before that one week trial ended we wrote them an email cancelling the service, so we do not get charged the monthly fee of {$89.00}. When we got our statement the following month, we were still charged the {$89.00}, so we contacted Capital One and disputed the charges. We were asked to send in the documents that prove the cancellation. We have sent all the required documents by mail with return documentations about four, faxed it four times with confirmations of receipt on your end. Each time we get our statements, the {$89.00} keeps showing up as overdue, and in fact we have called Capital One many times, and each time we have to explain what happened and every time customer service pulls our file, there is nothing showing that we sent all the documents. This circle had gone on for more than 2 years since XXXX XXXX and after we gave up on contacting CapOne, we started getting harassing calls from CapOne/and or collectors on behalf of CapOne. Now the balance showing there has ballooned to more that {$330.00} and was reported as of course a negative one. 
Up to this day we are still getting the impact of that false report, have disputed it to the credit bureaus and nothing has been done. 
Now it is XX/XX/XXXX, and the false report and ballooned balance is in my report. This is not fair and we need to come up with a resolution to this matter. I can offer to pay the {$89.00} which is the original amount of that cancelled subscription, and in turn Capital One remove that false report on my credit. 
I appreciate an immediate action to this matter, not months or years. 

Sincerely, XXXX XXXX XXXX SSN XXXX
Product: Debt collection

ARS National Services is attempting to collect a debt that I do not owe. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlementpayment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA..