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

Made a dispute with Transunion on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and 3 " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX  due to the months of stress. I made a payment and XXXX never applied it and Transunion is showing maximum delinquency which is incorrect. l did my part of making a payment the most the Transunion should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX  was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.
Product: Other financial service

Contract is misleading advising you can get a refund after your terms and also within 10 days of signing a contract. Within the 10 days you will not make a payment till 1 month later so how is that a refund? Since I signed a term contract which I had paid in full and still nothing was clear within my debt. This company also advise they keep 51 % of my money and only pay off the debt with 49 % which does not make sense at all. This company is not coming clean when i ask them questions and when they answer it does not make sense at all. 

*CUSTOMER SERVICES NOT GOOD *CONTRACT DOES NOT ADVISE WHAT THEY SAY *COMPLAINT TO THE MANAGER AND THEY HE ADVISE HE IS THE OWNER?? 
*CONTRACT IS MISLEADING *MANGER YELLS BACK AT ME WHEN I AM ADVISING THEM ABOUT THERE SERVICES AND WANTS TO KEEP MY MONEY FOR NO WORK DONE *AT THIS POINT I THINK THIS COMPANY IS A FRAUD/SCAM *CALLED THE OFFICE I SIGNED UP WITH, CAN NOT ASSIST THAT I WILL NEED TO CONTACT HEADQUARTERS * CAN NOT PROVIDE PROOF WORK WAS DONE
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX. 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 to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, PA XXXX. RE BankAmerica. Consumer Checking Acct XX/XX/XXXXChecking BA XX/XX/XXXXXXXX, Transfer scheduled to XX/XX/XXXXAcct XX/XX/XXXXXXXX XX/XX/XXXXCFPB, I am filing a complaint against BankAmerica XX/XX/XXXXreport a bank error, XX/XX/XXXXXX/XX/XXXXrecoup the loss I incurred because of it. 
On XX/XX/XXXX, XX/XX/XXXX @ XXXX XX/XX/XXXX, I sent a transfer of {$600.00} XX/XX/XXXXmy account at at XXXX bank ( XXXX ), called an outside bank. This was made XX/XX/XXXXfrom my inside my user profile at BA electronically. I paid for my transfer in 1-3 days I placed it before the bank opened XX/XX/XXXX. 
It never processed until the next XX/XX/XXXX. When funds didn't arrive at my XXXX bank ( Acct XXXX XXXX ) in time XX/XX/XXXXbe debited for a bill scheduled, XXXX paid it, XX/XX/XXXXaccessed a fee of {$36.00} I ask your office XX/XX/XXXXdirect BankAmarica XX/XX/XXXXremburse me for {$36.00} overdraft fee. It processed outside the normal schedule which I paid fo ( XXXX days ), Even as I contacted B/A on XX/XX/XXXX, morning, XX/XX/XXXX, XX/XX/XXXXsimply request XXXX reach XXXX anytime XX/XX/XXXXinform them said transfer was being sent BA refused, adamantly XXXX 
BA states XX/XX/XXXXisn't a banking day -- despite that I submitted my transfer before the bank opened that day. 
Thank you for your attention in this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

IQ data is saying we owe {$830.00} to XXXX XXXX. We were not given a date for final walkthrough with the apartment. When we left the apartment manager told us- you will get your deposit back. Youve been through enough When I emailed they never got back to me with proper information on these charges. The debt collector I spoke to on the phone was unprofessional, rude, and had nothing else to say other than to pay the amount today. Should I have to pay for an amount that is not valid? Should there be references shown for the amount that is being charged? Your representative said she was marking our account as refusal to pay and hung up on me. I called back, asking her to not do that, as I was calling to seek information FIRST. Per the letter we received in the mail it says we have until XX/XX/year>. I was calling to confirm this date, as we know have to gather data against this debt, OR gather the money to pay. and she was very rude and unprofessional. If I was to write a letter like the letter we received says, we would have longer to gather information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed an account on my credit report directly with XXXX, XXXX  and XXXX   concerning an account with Account Control Bureau. At that time, Account Control Bureau sent me a handwritten letter stating charges from an apartment complex. This document did not contain my signature or any way showed any evidence that I agreed to take responsibility for this account. On XX/XX/XXXX, I sent Account Control Bureau a certified letter asking for debt validation of the account including a contract with my signature from the original creditor and proof that they are legally able to collect this debt. The certified letter was received by the company on XX/XX/XXXX. I have not received any response from the company concerning my request.
Product: Debt collection

Received a call on XX/XX/XXXX from ERC debt collector. They said I owed {$2000.00} and the debt was from XXXX XXXX XXXX XXXX. The debt was from XX/XX/XXXX. This was the first I was hearing about it. I also called the XXXX XXXX XXXX fraud dept to report this and completed the forms. 
I let them know this was not my debt, the name on the debt was in my maiden name. 
Last year someone used an ID with my maiden name and opened a XXXX acct and a XXXX account as well. They attempted to open an account and purchase phones at XXXX in XXXX of XXXX, but because I am a XXXX customer they called me to see if I was in the store purchasing phones and I let them know I was not. They informed me someone was in the store using an NV driver 's license with my old name and also an old address of mine and my SSN. The DL number did not match however
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00}
Product: Credit reporting

On XX/XX/XXXX XXXX XXXX XXXX XXXX fraudulently pulled an unauthorized credit report on me without my consent. I spoke to XXXX XXXX on XX/XX/XXXX and as he was reading from my file he then followed up with " we purge files after XXXX months and then stated that yours is now purged. '' I have sent certified letters, emails and additional correspondence which he will not comply or provide information requested to explain why it was pulled or who requested him to pull the credit report. As of now, I have hired an attorney to subpoena the records and time will tell whether he will comply or not. Attached are correspondence with XXXX and information provided by XXXX that they pulled an unauthorized report on me.
Product: Credit reporting or other personal consumer reports

The following account was disputed with the bureaus directly. I supplied them with the payoff letter provided by the creditor once the account was paid off as agreed and they still refused to revise the inaccurate information. This account was paid in full via automated payments directly debited from my bank account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX Marked as charge off when paid in full letter attached
Product: Debt collection

I receive a Letter from this Debt Collect company at XX/XX/XXXX. The comany said I have a {$18000.00} debt. Creditor is XXXX XXXX XXXX, XXXX XXXX  XXXX. I never heard this name before. I search this address. It's a building in XXXX. I never live there before. I don't know why they said I owe them money. I try call the Debt collect company at XX/XX/XXXX. The man who answer the phone know nothing, I told him they look for a wrong person. He asked my last 4 SSN number, I give to him. Then he hang up. I thought this is done. Now I receive a letter from them again at XX/XX/XXXX.
Product: Debt collection

I have received multiple calls regarding medical Debt. 
I am under age but currently do not live with my parents.I have stated to the collection company multiple times, not to contact me and to reach out to my parents. They continuously continue to call my personal cell phone number in attempt to collect debt. I spoke with them today XX/XX/2019 and stated the same thing, after telling them I was a minor they demanded my date of birth after giving it to them they confronted me that I was lying. It was a very stressful situation and did not know what to do. I am not use to dealing with this type of calls, and I began crying about the situation. I feel like I am being harassed and confronted every time they call. My brother in law tried giving them a call to inform them about the situation to let them know to contact my parents, but the representative insisted that my name is on the debt. We tried explaining to them that they can NOT contact a minors personal cell phone to collect the debt and he disagree with me and said that her name is on the debt.
Product: Credit reporting or other personal consumer reports

Information on my credit profile is incorrect. incorrect address, fraudulent accounts that doesn't belong to me. wrong employment history and hard inquiries you never authorized.
Product: Debt collection

To whom it may concern : I am writing to dispute the debt you claim I owe you. I have never signed any contract with your organization or purchased any goods or services from you. Therefore, I need clarification as to why you are attempting to collect a debt from me that I do not owe.

As far as I know, I have no outstanding debts with your company. Furthermore, I have not received any bills or notices of overdue payments from you. Therefore, this is a mistaken identity or a fraudulent attempt to collect money from me.

I request you provide proof of the alleged debt, including the original contract, invoices, and other supporting documentation. It is my right as a consumer to receive this information, and I will not be making any payments until I have reviewed and verified the debt 's validity.

I appreciate your attention to this matter and expect a prompt response from your company. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaint to XXXX XXXX sent me a response that they deleted this change off on XX/XX/20. it still has not been removed from my credit file. As well as XXXX & Equifax are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have compromised my personal information though data breaches ; and/or have failed to investigate disputed information on my credit reports, and make the appropriate corrections, even after reporting identity theft through the FTC.
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 XXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX has violated my rights 1

5 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: Vehicle loan or lease

I bought a car 2 years a go from a dealer XXXX pa I been having problems from the very 1st day this was my wife anniversary I drop XXXX dollars of my hard earn money so far I have put XXXX dollars in repairs in this car and now its in the shop again this is to much I want to give the car back, but it will hurt my credit I am trieding to rebuild I have call wrote credit acceptance many of times but know one will answer me back are any thing with me ai even ask for a deferred payment they told to me they do not do that I have lots of late payments on my credit report I think they should remove and work with me but they will not they will not even help me out I do not know what to do I have no transportation now and cant get another car because I still own on this one this car have a XXXX on the dash the loan is from credit acceptance.
Product: Money transfer, virtual currency, or money service

Ingo check cashing banned me for no valid reason whatsoever.. I believe they are a scam and try to harvest consumers information as I don't know Anyone who has successfully cashed a check with Ingo.. After the banned me I contacted the company several times to get an answer as to why I was banned to no avail usually without any response ... They don't live up to what services they are supposed to be offering ...
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Payday loan, title loan, or personal loan

I got a home loan from Wells Fargo to do a home repair work. This $ XXXX loan was introduced to me as an interest free loan from my vendor. I paid the installation amount religiously every month. On XX/XX/XXXX, I received a bill with a principal loan of {$3100.00} plus an interest of {$1900.00}. I called the lender right away and found out that the interest free term expired on XX/XX/3019. What I experienced was a conversation with a loan shark and not a legit financial institution. The terms for the unexpected interest was in fine print and theres not enough efforts in reminding consumers of the significant and compounded interest at the end of the loan term. When asking a supervisor for a fair amount to pay off the loan after only six days over the loan expiring date. I was treated with great disrespect. Although I paid off the principal loan amount of {$3100.00} on XX/XX/XXXX and asked to close the loan. On XX/XX/XXXX, I received another bill of {$1900.00} interest. Therefore, I am filing a complaint against Wells Fargo Home XXXX team and the ill designed products.
Product: Credit reporting or other personal consumer reports

XXXX completed on XX/XX/XXXX Amount {$220.00} still on credit XXXX XXXX  completed on XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$510.00} XXXX XXXXXX/XX/XXXX Amount {$460.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$380.00} XXXX XXXXXX/XX/XXXX Amount {$430.00} Address need to removed from my credit as well every last one of them dont everybody getting in trouble Im tired of being harassed and stalked by these different people who could be pretending
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all inquiries remove off my consumer credit report because I am aware without my lawful consent a comsumer reporting agency may not give out information about myself to your employer without my written consent.If you can provide me with proof of me giving my lawful consent or written notice, but if you can not I need you to remove all inquires immediately or I will send a written notice to the CEO which is XXXX XXXX and the CFO which is XXXX XXXX so we all can be aware of this negative information and need to remove off my consumer credit report.I am aware XXXX and XXXX should be able to provide me with proof of my lawful consent to report negative information without my consent I need all inquires remove from my consumer credit report before send a written notice to the CEO and CFO of XXXX which is XXXX XXXX and XXXX XXXX and also the CEO of XXXX which is XXXX XXXX and the XXXX XXXX XXXX XXXX that everybody is aware and would be tied into XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX