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

I have been having problems with this bank, and decided to close me account. I contacted them to get explicit directions on how to close it. I had numerous problems with this bank before and wanted to make sure I could l so without incurring any fees. It is an interest baring account. I called to find out to close the account, but get the remaining interest due. I was told in that situation to leave {$1.00} t {$2.00} in the account and the remaining interest would be deposed after the next cycle closed ; after that happened, I could with withdraw out any penalties. Instead I got numerous letters that my account was overdrawn, because the bank charged me fees for not meeting a minimum balance. I got multiple letters threatening they were going to report to the credit reports and that this was a default that was going to show up on my credit report. They were claiming my account was overdrawn {$8.00} ; they had charged me {$10.00}, directly contradicting their directions that said that they would not do that. When I first contacted them, I got the complete run around. First they told me they could not legally reverse the fees. When I threatened to sue them, they said they would reverse the charges. I insisted they send me a letter verifying my account was not overdrawn and that they would not contact the credit agency. They have refused even to address the issue after months of my asking them to : this is wholly illegal. All their responses say is that my account now has no balance due, which I know. I contacted them XXXX times and they refuse to address whether they sent this information to a credit agency or took or will take any adverse action. I believe their refusal to respond is also directly retaliatory, because of the documented issues I had with this before. I think that they violated multiple laws. They Illegally sent or threatened to send misinformation to credit agencies, and then have refused to address those threats and whether they have done so. The only amount that was over drawn on the account was the amount they illegally charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am kindly asking you to investigate my case because I found accounts that are not mine and I do not know what to do about it. I know that sometimes bureaus posting misleading information without even checking however this misleading information just killing my report. Please remove these items after you check and investigate because its pure error or identity theft.
Product: Debt collection

ARA Inc. called claiming to be collecting a debt from 2005. They claimed to have mailed me documentation and were threatening to sue me and report my unpaid credit card debt to damage my credit. I explained the account in question was not mine and I never received and information from them. They continued to transfer me between each other and very aggressively continue to threaten to sue me unless I agreed to pay. When I hung up with them I was able to look them up with the XXXX and learned they had over XXXX complaints filed against them for their tactics. I also looked up California laws which not only state the statue of limitations for collecting debt to be 4 years, it is now over 11 years since the alleged debt, but they must legally mention that they can not force me to pay or report it because of expired statutes of limitations. Not only did they not mention that, but they illegally threatened to sue and report the debt to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute for unauthorized inquiries made on XX/XX/2019 only got back a update of them. I am very disappointed in this matter.
Product: Mortgage

On XX/XX/2020 I was contacted by Rocket Mortgage to get my mortgage refinance started, he told me I should close in about 1 month. I submitted all of the paperwork they wanted via their mobile app. I submitted a poor review of their company on the XX/XX/XXXXwebsite and was contacted again by Rocket Mortgage. I was told that I would now close on XX/XX/XXXX. Last week they contacted me again, saying that they were not able to get in touch with my home owners insurance company for a couple of days, which my insurance company is XXXX. Today is XX/XX/XXXX and I have still not closed, I started this process almost 1/3 of a year ago and my patience is gone with this company ...
Product: Credit card

On XX/XX/XXXX a XXXX  transaction posted on my Affirm card. I contacted them right away and informed them it was an error because I did not book or make any transactions with XXXX. 
I contacted XXXX to make sure there wasnt any bookings under my account and they confirmed. I sent this information to affirm by email. 
I submitted a dispute with Affirm and have been contacting them since XX/XX/XXXX every XXXX  days they tell me they will have the appropriate department contact me in XXXX days. No calls or email regarding this matter have been received from them the transaction has not been removed from my account and now they are trying to have me pay for this transaction I did not make or receive any services for.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX Account name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ XXXX and XXXX XXXX, XXXX  XXXX XXXX XXXX [ XXXX and XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX and XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 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 an account without my written instructions. 
Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, XXXX  and Experian credit report, are all fraudulent : XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In Accordnace with the fair credit reporting actXXXX account # XXXX, has violared my rights. 

15 USC 1681 section 602 states I have th eright to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX and needs to be removed XXXX XXXX XXXX This does not belong to me and i.dont recognize it
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove this inaccuracy from 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
Product: Debt collection

This guy keep calling me and were I work asking them to set a time that I can talk to them. I have ask fo info out them and info about to debt and never send me info
Product: Credit reporting or other personal consumer reports

XXXX File Id # XXXX Will someone at XXXX PLEASE CORRECT MY CREDIT REPORT? I have repeatedly brought this matter to XXXX, but they keep stating that the information reported is correct, but it is clearly not. I previously disputed this issue on XX/XX/XXXX and XX/XX/XXXX, and it was incorrectly addressed. If my credit report is not corrected, I will file a suit against XXXX and DovenMuehle Mortgage/XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ). 
XXXX and DovenMuehle MortgageXXXX are inaccurately reporting that I have a balance of {$17000.00} for a Student Loan. First of all, I have never taken out a student loan with DovenMuehle MortgageXXXX XXXX Secondly, DovenMuehle MortgageXXXX most likely does not provide student loans as they are strictly a mortgage company. Thirdly, I once had a mortgage with DovenMuehle MortgageXXXX ; however, the mortgage was originally sold to Lower and, most recently, to Provident Funding. Because the mortgage was sold, the tradeline for DovenMuehle MortgageXXXX should show a XXXX balance and is reported correctly as a XXXX balance with XXXX and XXXX. XXXX refuses to report the balance of the DovenMuehle Mortgage/XXXX correctly and instead is reporting the same tradeline information for my Dept Of EDXXXX for the DovenMuehle Mortgage/XXXX  tradeline. This means XXXX has for several months inaccurately reported that I owe {$17000.00} more than I actually owe, and as a result, my XXXX credit score is approximately XXXX points lower than XXXX and XXXX. This impacts how creditors evaluate my debt and has been detrimental and resulted in denied credit applications. This is my final attempt to have this corrected outside of court. If my credit report is not corrected, I will immediately file a suit against XXXX and DovenMuehle MortgageXXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ), and will seek financial remedies.
Product: Debt collection

AFNI a debt collection company located in Illinois reported a debt of XXXX dollars onto my sons credit AND ONTO MY CREDIT. 
My son XXXX reported them to the CFPB a month ago and AFNI responded and said the debt should have been taken off due to his bankruptcy. They took the debt off of his credit this past week. However the debt still remains on my credit and has not been taken off, In fact they reported it to my credit yet again after telling my son that the debt was not valid. 
In truth the debt did not belong to either my son or me, XXXX could not find any ( I said ANY ) evidence that the debt belonged to either I or my son. Despite what AFNI may say they have illegally reported this debt on both mine and at one time on my sons credit. I am demanding they take this off my credit ASAP. It had also better not roll back onto my sons credit. If this issue is not resolved in full that means the debt goes off my credit and my STAYS off of my sons credit they will be sued for damages. 
This company has a long track record of under handed tactics, I am no push over and I will not tolerate this game AFNI is playing with by my sons credit ( an expectant father ) and my credit ( a senior citizen ), I HAVE LIVED AT MY ADDRESS FOR OVER 20 YEARS. XXXX HAS NEVER BEEN AVAILABLE AT MY ADDRESS IN THOSE 20 YEARS. MY SON HAS AN ACTIVE XXXX ACCOUNT. HOW CAN WE OWE XXXX?
Product: Debt collection

On XXXX XXXX, 2016 I contacted Medical Revenue Service at XXXX. I spoke with a debt collector named XXXX and his supervisor XXXX. I called to see if a settlement would be acceptable. I was told that no settlement was available. I attempted to end the call. XXXX proceeded to take some brief financial information in an effort " to help me ''. I complied with his request. He gave me XXXX payment options : {$200.00} every two weeks or pay off the debt with a credit card immediately. He made it a point to inform me multiple times, in a surprising manner, that this has not been yet reported to my credit report. I refused the options. XXXX said he wanted me to speak with his supervisor XXXX. I complied. She proceeded to give me the same options. I had previously sent a written dispute of a portion of the debt and attempted to explain the dispute. I gave an example of one of my dispute issues. She said it did not matter because the hospital rendered services that they deemed necessary regardless of what I think or dispute. XXXX then proceeded to use credit reporting as a fear tactic to manipulate me into paying a disputed debt stating ( and the call is recorded? ) that she could n't believe this debt had not been reported to the Credit Bureaus but it will be now. ( Are n't there guidelines for reporting? ). I advised them both to let me be concerned with MY credit report in which I will handle. They continued to threaten to report the debt which they conveyed with doom and gloom if I did not succumb to their demands. 
I have no problem with a debt collector informing me of the consequences of not paying an obligation. To use those consequences as a means to collect a debt through fear is unacceptable and could be construed as harassment. I would not have called MRS if I did not have intentions of resolving the debt. 
Furthermore, the debt was disputed on XXXX XXXX, 2016, sent by certified mail with a signed returned receipt. The validation of the debt dated XXXX XXXX, 2016, that I received from MRS , is incorrect and invalid as the itemized billing statement for services rendered is incorrect and does not coincide with the amount MRS is saying I owe which may be in violation of section 807 of the FDCPA. ( see attachments ). 
I have now disputed this debt 3 times because of duplicate services performed by XXXX XXXX Hospital and their affiliates. Not once have these disputes been formally addressed by the original creditor or by those contracted by XXXX XXXX hospital. I am aware that by law the debt only has to be validated but one would think that to simply address the dispute properly to resolve this debt would save a lot of time, effort and money.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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

XXXX Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

Transunion- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXXXXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.
Product: Credit card or prepaid card

On my Visa statement ending XX/XX/2019 through US Bank there were several fraudulent charges. I contacted the bank and they reversed all of the charges except one. That being transaction reference number XXXX on XX/XX/2019 in the amount of {$1000.00} for a round trip flight to XXXX from New York. I did not fly to XXXX or any where and can not leave the country as I do not have a valid passport. Further attempts to get this charge reversed have been ignored.
Product: Credit reporting or other personal consumer reports

ALLIANT CREDIT UNION, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by ALLIANT CREDIT UNION and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. ALLIANT CREDIT UNION and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charged off/canceled is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. ALLIANT CREDIT UNION and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. ALLIANT CREDIT UNION and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account 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 also inquiry on my credit summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 card or prepaid card

Chase Amazon Credit Card : I have used and been a member of this institution since XXXX. I have always been in good standing with XXXX delinquencies. Recently I agreed to a {$10000.00} balance transfer with available credit with a 4 % transfer fee. The issue arose with misleading information regarding subsequent purchases using this card including but not limited to automatic charges to Amazon and other vendors. Per conversations with XXXX customer associates had ( XX/XX/XXXX Aprox ). As well as XX/XX/XXXX As I can try to explain what they said is : Following balance transfers any purchases following a balance transfer, interest on purchases are immediate, and do not have the statement period to pay off. ie Use the card today to buy something interest is being charged immediately. I would not have agreed to such erroneous terms. I received a letter that is even confusing which it states you loose the intersect free period for new purchases, the way that it was worded appears to mean the promotional 0.00 % that was for the balance transfer, not the normally expected statement period. Which is not interest free as it is compounding daily and failure to completely pay the full amount at statements end will result in all compounded interest to be applied.
Product: Mortgage

Specialized Loan Servicing LLC ( SLS ) took control of our loan from XXXX Mortgage. During the transition SLS raised our outstanding principal without explanation. I have made numerous calls, spent hours on the phone with them and provided documents yet they provide no help in rectifying the issue. Their customer service representatives refuse to escalate calls to management. After weeks of calling and being told the issue would be solved to no avail, I pressed them further and insisted I would contact the governing body if I continued getting the run around. They responded by removing my name from the account and from successor in interest, refusing to speak with me although they had made no prior mention of any issues and acknowledge having received the information from my previous lender stating that I am. After researching SLS and reading other complaints about their predatory practices, as well as CFPBs prior settlements with SLS and parent companies, it has reaffirmed my own belief that SLSs goal is not to service loans but to specifically foreclose on peoples homes.