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

I discovered that the same account on my credit report was misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate the same account reporting as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/19 spoke with XXXX XXXX XXXX XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, American Express and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.
Product: Checking or savings account

I disputed two ATM charges with Chase Bank that I completely do not believe I made. The dates of the transactions are XX/XX/XXXX and XX/XX/XXXX both for {$100.00} each. These were ATM withdrawals at a local bank. To confirm, I checked my timeline through XXXX XXXX  and it shows I was never at the bank on either of those days. 

In recent months, I had a credit card skimmed/shimmed and used to make fraudulent charges. The credit card company confirmed the fraud and reversed the charges. I believe something similar happened with my ATM. 

I told Chase bank all of this on XXXX. On XXXX the charges were removed and on XXXX they states reversed the removal. On XX/XX/XXXX I called the number on the letter which said I was entitled to request the information used for the investigation. The only information they would give was to say that the chips can not be compromised. I have doing some simple research online, I found that is not true. I asked for ATM video and they refused saying the investigation was closed. I do believe that they conducted a reasonable investigation in this circumstance.
Product: Mortgage

I currently have a mortgage with Ditech ( I believe it is a XXXX ). Have had the mortgage for ten years ( although it has been passed from bank to bank over the years ). My mortgage has a due date on the first of each month with a grace period to the XXXX. However, my SS check comes on the XXXX of each month and most times is after the XXXX causing me to pay late fees. Ditech will not change the due date!!! Their solution is for me to refinance the mortgage for a new contract costing me {$2500.00} up front. My mortgage is current. Can I change it to a VA mortgage without upfront cost? Thanks.
Product: Student loan

edfinancial.com - the site has been showing broken links for at least 10 days now. This was reported to them by a XXXX user on XX/XX/2019 and they responded they were aware of the issue. 

I contacted them as well via their website and they gave the same response last week. 

The problem has yet to be fixed and I do not feel safe logging in and making a payment if they don't seem to care their site it broken. 

THIS IS DELAYING MY PAYMENT!!!
Product: Checking or savings account

I was charged multiple overdraft fees after complaining and asking if any could be waived I was told no
Product: Checking or savings account

A scammer used an official Bank Of Hawaii phone number to call me and asked me my online login information to instruct me two steps verification to use XXXX to transfer {$1000.00} to a stranger that I dont know. I lost my {$1000.00} from my checking account. I contacted the Bank Of Hawaii and they said they need to conduct investigation but could not provide me a time line regarding this matter. They disabled my online account and it has been really hard to contact them on the phone because of the long waiting time to monitor my account and get my money back.
Product: Money transfer, virtual currency, or money service

BEWARE OF SYNCHRONY BANK On XX/XX/XXXX, I invested {$100000.00} at 4.6 % interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated XXXX XXXX that indicated I had to complete the process. On XXXX XXXX, I spoke with XXXX. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to XX/XX/XXXX. I told her I would also increase the amount to {$200000.00}. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony. On XX/XX/XXXX I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that XXXX had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said XXXX was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied. 

What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction? 
I have never received an email or letter indicating my {$200000.00} had been transferred or cancelled from my bank.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I discovered that Experian is continuing to report an account from the XXXX XXXX XXXX XXXX XXXX, despite this company ceasing its collection activity. On or about XX/XX/year>, XXXX XXXX XXXX received a cease-and-desist notice from me, instructing them to halt all communication and collection activities regarding the matter. XXXX XXXX XXXX acknowledged receipt of this notice, stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/year>. XXXX has noted the file accordingly. '' XXXX XXXX XXXX XXXX submitting a request to Experian to remove their account from my consumer report, Experian continues to report this information, violating my rights under the FCRA. According to 15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Product: Credit card

Greetings, I called Discover today my credit card company, regarding nsf fees charged in the amounts of {$30.00}, {$37.00}, {$41.00}, and {$30.00} again for the months of XXXX, XXXX, and twice in XXXX. 
Initially the previous representative indicated nsf fees could be waived or reduced. 
XXXX - XXXX out of the XXXX, XXXX. Aware of new law established in XX/XX/year> refused to reduce the fees to {$8.00} or remove the fees. 
There is No policy stating nsf fees can not be removed or reduced to abide by the new law. 
She stated something about a XXXX recommendation, regarding a discover card error, but she did not say what the system recommended. 
Automatic payments were cancelled XX/XX/XXXX oXXXX XXXX, because I was laid off from my job. 
Payments were not reinstated until XX/XX/year>.
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 XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Product: Bank account or service

Bank of America closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception " intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never " intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the " suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is " closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as " suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the " suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. 

Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, Equifax is reporting to my credit report XXXX XXXX XXXX finance that was original opened on XX/XX/XXXX, this account is 8yrs & 6months old and according to the FCRA section s605 " accounts placed for collection or charged off to profit and loss which antedate the report more than seven years. I have reached out to XXXX XXXX XXXX XXXX as well as the credit reporting agency alone with complaints CFPB with no resolve. XXXX XXXX XXXX XXXX has continually to re-age this account. This account should be removed from my credit reports. I will wait the 30 days but if this problem is not corrected then I will have no other choice but to file a civil suit against all party 's involved.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX : $ XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$460.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$160.00} XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent numerous letters and tried to resolve this issue. I demand this account be deleted immediately. I am in litigation and by law this agency must delete.
Product: Credit reporting or other personal consumer reports

There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized any of those inquiries.
Product: Mortgage

My husband and I are under contract on a house in New Jersey. The house has solar panels and it needs to be transferred from the seller to our name. The seller has a loan on the solar panel. In order to transfer the loan to our name, we had to apply for the loan, but unfortunately this company Dividend is shady and a BIG SCAM. They denied our loan application and now were stuck. The mortgage company approved us and we should be closing by the end of XXXX. The only condition left on our file is the solar panel loan transfer. 
How in the world we were qualified for a mortgage loan and not for a {$30000.00} solar panel with {$130.00} a month payment. 
The denial letter stated the following : Principal Reasons for Application Denial : Number of established accounts. 
Length of time accounts have been established. 
Its a bogus reason for denial. We both are approved for the mortgage. 

Go read peoples reviews on their website. No one gets approved for the loan when sellers sell their houses, they want the seller to payoff the whole loan amount and this is what Dividend told me. They said theres no other solution to close on your house unless the seller pas off the solar loan.
Product: Mortgage

My mortgage states that PMI can be cancelled at my request at 80 % of LTV or the mortgage company has to cancel PMI at 78 %. My mortgage company has declined to cancel PMI despite having reached the 80 % LTV point. They claim an appraisal is required. I have contacted the loan originator ( loan has been sold ) who has confirmed that a second appraisal is not a requirement. My mortgage company has refused despite multiple phone calls and and requests in writing.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, I received a Chase XXXX XXXX XXXX card. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that Chase did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a 60 and 90 day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get Chase to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.
Product: Credit card

My Bank of America MasterCard was closed without warning or explanation, even though I have a XXXX balance on it and have always paid it on time, never late, and have been with Bank of America since the XXXX. Just contact my private banker XXXX XXXX at XXXX she will let you know that I am a valued BofA customer.
Product: Credit reporting or other personal consumer reports

There are multiple companies reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A new collection item appeared on my credit file. I was able to successfully dispute the item with XXXX and XXXX. XXXX has since removed this collection item from my credit profile ; and it 's currently under investigation with XXXX. The only issue I 'm having is with TransUnion - I 've attempted several times on different days, with differents web browsers to initiate a dispute via their online website with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt.

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing. 

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent. 

I urgently request the immediate removal of this account from my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  opened multiple accounts at my address in order to solve issues I was having with service during the moving process XXXX XX/XX/XXXX ). At the end of my time with them as a customer I closed my known accounts and paid off my bill XXXX XX/XX/XXXX ). Unknown to me was a second account in my name that was still past due. Rather than contacting me, they waiting 18 months and submitted to collections XXXX XX/XX/XXXX ). Of course, the collections company had all of the account info ( including account number ) so I could track down the account associated with this issue. I promptly paid XXXX  ( XX/XX/XXXX XXXX once I understood where the charges came from. I then submitted to the major credit reporting agencies as dispute to have this removed from my credit report as it is pulling my credit score down by well over XXXX points. XXXX  removed it XXXX XX/XX/XXXX XXXX as did XXXX. I submitted two disputes to TransUnion, both of which were denied. Current status is paid and to be removed from my report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Company Inquiries : XXXX XXXX/XXXX  XXXX/XXXX