23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

When I bought my home in 2015 the XXXX XXXX company was a paid prior to being a charge off and is reporting wrong. 
I am trying to get a fixed 30 year loan and this is now back on my report incorrectly please fix ASAP as I will not be able to refinance
Product: Checking or savings account

On XX/XX/XXXX I called Fifth Third Bank at XXXX. I attempted to close my bank accounts. I had XXXX accounts, a personal, a business and a savings. The agent told me I had to empty the accounts to zero before they could close them. They also told me I had to go to the Bank XXXX XXXX XXXX to explain why I wanted to close because this number does not handle business accounts or complaints. 
On XXXX, I went to the bank and found there was construction. I parked a block away and as an XXXX XXXX XXXX handicapped person, I walked to the door to find a note stating the lobby was closed. 
On XX/XX/XXXX, a payment was completed by XXXX XXXX to XXXX XXXX. I never autorized the payment and the credit card number was charged from a 6 month old form I had filled out to XXXX. I was Never notified about this payment, I never got a text as I was supposed to and I never was given the opportunity to deny it. 
On XX/XX/XXXX, I discovered the charge on my own, as well as the fee of {$37.00} charged against me. I called Fifth Third and was told there was nothing they could do since I had an overdraft authorization on file. I immediatly told the agent to cancel that and they said they could NOT. 
On XX/XX/XXXX I saw the situation had Not been fixed and I deposited {$850.00} to cover negative balances. Again I called the banking center and was transferred to the business account center. I was told they had also had a withdrawal against my business account. I said there were sufficient funds to cover all of that and to close my accounts. I was told the accounts would NOT be closed until the check had cleared and all accounts had a XXXX balance.. It was then I discovered they had charged an additional {$49.00}, {$37.00}, and {$25.00} on this account as well as {$72.00} and {$8.00} and {$37.00}, and {$16.00} and {$7.00} and {$11.00} and {$11.00}, and {$11.00} and {$8.00} on XX/XX/XXXX and {$8.00} on XX/XX/XXXX. 
By calling XXXX more times between XX/XX/XXXX and XXXX, I was able to get XXXX of these charges reversed. 
My deposit of XX/XX/XXXX is being HELD since then, even though it cleared my external checking account on XX/XX/XXXX. They are still adding daily fees and refuse to answer me or fix the problem. 
This entire p [ roblem arrises from Fifth Third Banks problems as ; XXXX XXXX paid a charge as an overdraft without notifying me. 
XXXX XXXX refused to close, freeze, or act on the problems when I asked. 
XXXX The system is automated and every employee says they are not empowered to fix the problem I need clarification on why my check is being " Investigated '' so long, and clear instructions on how to close these accounts and a stop to XXXX written letters from Fifth Third threatening me with " Further Action including reporting me to the credit XXXX and taking action as appropriate to collect these debts. The latest letters were recieved on Monday, XX/XX/XXXX at XXXX, XXXX letters.
Product: Credit reporting or other personal consumer reports

What happened is a series of violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related laws. I discovered multiple inaccuracies and deceptive practices on my credit report, which prompted me to dispute these errors and demand corrections. Specifically : Willful Noncompliance : Credit reporting agencies accepted inaccurate information about me without verifying its accuracy, violating FCRA Section 616. 

Failure to Disclose Opt-Out Rights : My right to opt out of sharing personal information was not disclosed, violating FCRA Section 603 ( d ) ( 2 ) ( A ). 

Deceptive Reporting : Inaccurate accounts and inquiries were reported without proper validation, breaching FCRA Section 623 ( a ) ( 3 ). 

Debt Collection Violations : Debt collectors shared my information with third parties and reported inaccurate debts, violating regulations against disclosing debt information improperly.

Late Payment Misrepresentation : My credit report listed " late payments '' without clear definitions or proof, resulting in false and deceptive reporting.

Unauthorized Hard Inquiries : Multiple hard inquiries appeared on my credit report without my consent, violating permissible purposes under FCRA Section 1681b ( a ) ( 2 ). 

Failure to Validate Debts : Debt collectors failed to provide necessary documentation, including original contracts or applications, to substantiate the debts reported. 

Inaccurate Finance Charges : Misreported finance charges violated their obligations as a credit reporting entity. 

I demanded corrections, including the removal of inaccurate personal information, deletion of unauthorized accounts and inquiries, and proper validation of debts. I expect compliance with federal laws to address these violations. Failure to resolve this matter will leave me no option but to pursue legal remedies.
Product: Payday loan, title loan, or personal loan

I took out a loan due to emergency funding need in XX/XX/2019 for {$300.00}. I understand that I was to pay it back biweekly on my payday for {$52.00} each payday. I checked my balance today and was shocked to see that my current balance is {$280.00}. With about at least 9 payments so far, it has done very little to pay down the balance which means payment has been going towards the finance charge. I have paid over {$500.00} since taking out the loan which should have already paid for the loan plus interest. I believe this to be predatory lending.
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 Acct # XXXXXXXX GM Financial Acct  XXXX XXXX 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 states, a consumer reporting agency can not furnish an account without my written instructions.

15 U S C 1681 c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information with any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U S C 1681 s-2 section 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.
Product: Payday loan, title loan, or personal loan

Usually, a day after my due date payment on my loan is due, I receive an email from my lender, hereinafter Lending Club. The email states that my payment could not be processed and there's a past due balance on my account and when I check my bank account the payment clearly shows that has been successfully processed. Lending Club 's email/information is completely false. I've always had more than sufficient funds to cover the payment. I've contacted their customer service department on several occasions to dispute/fix this issue and after multiple transfers and excessive holding time I was told that they will be looking into this issue and can not provide an answer immediately only for this issue to continue to repeat every month when payment is due. 
Additionally, Lending Club is also reporting my account as being late/derogatory with the credit bureaus. I've disputed this fraudulent entry several times with the credit bureaus, but this is becoming like a revolving door and I'm getting tired to do this almost every month. 
I've sent Lending Club an email to cease and desist this fraudulent practice and received no response. This complaint is almost my last resort before I'm going to file a lawsuit against this company. Thank you.
Product: Debt collection

On XX/XX/XXXX and XXXX, 2020 At XXXX this debt collector called and reveled personal information of the nature of the debt owed and also the original debtors information on an unidentified voicemail line. This voicemail service was not identified as belonging to me and reveled personal information that should not be shared with others, violating my rights to privacy and FDCPA. These voicemails have since been saved as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information with all three credit bureaus, XXXX, XXXX , & Transunion, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that XXXX XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

Transunion will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, 2017 This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.
Product: Credit card or prepaid card

Well my capital one customer and corporate office personnel are calling me mam instead of sir and frankly being rude and being disrespectful towards my medical condition and seems no one is trying to solve all these issues or giving me the proper supervisors or a over all boss or the president of the company. Please fine them or help me file a major complaint against them or take them to court or whatever you all do.thank you  XXXX   XXXX   XXXX
Product: Credit card or prepaid card

So I have been months behind on my credit cards, my personal loan and my two credit lines from PenFed credit Union. I called them about a week ago, maybe two and the man I spoke to said that I can make two {$100.00} payments to my two credit cards and then call them back and apply for temporary hardship. But after I went to the website, I noticed that my two credit cards were closed and the man I spoke with never told me that. 

I feel that they are a predatory lender, because they approved me for a {$20000.00} loan with my girlfriend as a co-signer. Then I was approved later on for two lines of credit. One for {$4000.00} and one for {$5000.00} And I was also approved also for two credit cards, that are now closed due to being late on payments.. 

My mother had a light XXXX in XXXX so I went down there with my girlfriend. I didn't have paid time off so I wasn't working much when I was in Arizona to go visit my mother and now I'm really behind on all my payments to PenFed and other other places that I owe money to.
Product: Mortgage

Hello CFPB, Thank you for reviewing my case. I sent the below description to TCF Bank 's loan servicing email ( XXXX ) as directed by a customer service rep, but since sending that message on XX/XX/XXXX, I have not received confirmation in writing that their disputes team was working on my case. I called in to ask if they would confirm in writing and they denied my request, stating this process usually takes 30 days. The below description of events and attachments will illustrate how TCF made the mistake ( s ) and 30 days is not acceptable for processing as my family needs to refinance our mortgage now, not later. 

Dear TCF Bank, I am unable to move forward with the refinancing of my current mortgage with XXXX XXXX XXXX because TCF filed two erroneous late payments with all three credit bureaus after I had received formal notice of my TCF account being successfully closed and paid in full. Please see attached Credit Report ( first two pages only and I have blacked out my SSN to protect my PII ). The purpose of this email is to have TCF remove these late payments from my record with all three credit bureaus and respond to me in writing that these late payments were reported in error. My loan was paid off in its entirety in XX/XX/XXXX, and I have attached two notices ( email from XX/XX/XXXX with XXXX XXXX 's signature and mail from XX/XX/XXXX with XXXX XXXX 's signature ) indicating the loan was paid off in full and closed, yet TCF reported late payments in late XX/XX/XXXX and in XX/XX/XXXX. I have attached all the evidence that will be required to move this forward quickly and easily. I know this is a simple mistake by TCF and it shouldn't be a big deal, but it's having a large impact on my household financially. I hope we can remedy this situation very quickly without my having to file complaint with the consumer finance protection bureau ( obviously that's what I'm now forced to do ). 
Attached email notice from XX/XX/XXXX of closed account Attached mail notice from XX/XX/XXXX of closed account Authorization to close line of credit on XX/XX/XXXX when I started the process of making final payments and closure of the account. 
Please note that I copied all individuals on the above email that had either signed off on the closure of my account or reached out to me in XXXX and XXXX about this mistake but neglected to ever mention that I was in threat of having late payments reported to the credit bureaus. 
Again, I am trying to refinance my mortgage immediately to take advantage of the low interest rates, which could really help my family during COVID. Immediate attention to this issue would be greatly appreciated. 

Please send back receipt of this email, contact information for individual that will investigate this case and stay in touch with me, and an estimated time for completion. 

Thank you, XXXX
Product: Credit card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue XXXX.
Product: Checking or savings account

I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.
Product: Payday loan, title loan, or personal loan

In XXXX I borrowed money from XXXX XXXX in the city of XXXX Virginia {$20000.00} and was coheresd into a home equity line of credit with as a separate account away from the line. I borrowed some money from the credit line and paid money back to it, I didnt get a single monthly statement until XXXX when WellsFargo absorbed XXXX, the statement claimed I took {$59000.00}, the maximum I could have taken. I froze the account and began trying to find out where the money went. There is no paperwork for the first two years non of the withdrawals or deposits I made are mentioned, They, wellsfargo, have the original agreement and the statements beginning when they took over but that is all. And have stalled me off for 14 years while I pay them interest or rent on my own property. I cant find any one to advise me. The bank promises to do some thing, and I wait but then act as if this is the first time they hear about this, I have been to several bankers and talked to the main office who just sends out the statements I already have. Not the first two years when the money Was allegedly taken. Help me fight this giant. I want all my interests payments back and to know who stole my home equity. Cant find an attorney or adviser.
Product: Credit reporting, credit repair services, or other personal consumer reports

<This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> XXXX : Inquiry : : : XX/XX/21 - To Remove from Transunion XXXX XXXX Inquiry : : : XX/XX/21 - To Remove from XXXX XXXX : XXXX  XXXX XXXX  Balance to be UPDATED as of XXXX XXXX >> ( {$160.00} ) << / Currently left at XX/XX/XXXX ( {$460.00} ) *** Please fix this as my score should be higher than what it is *** XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - Address ID : XXXX -- - Type : Mutifamily  -- - Geographical Code : XXXX ( ( ( ( ( Remove : Appeared on XXXX Report ) ) ) ) ) ================================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> DEPT OF EDUCATIONXXXX Balance : {$2400.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ================================================================== *** Please remove fraud alert from all XXXX credit bureaus until it's requested again ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 hard inquiries on my credit report that I didnt authorize with TransUnion. Hard inquiries such as XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and was reported twice with XXXX XXXX ( XX/XX/XXXX ). Also I have two closed that havent been removed which are XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have proof that my personal information has been compromised/breach through XXXX, XXXX, and Experian. 
I never gave any of those companies written or verbal consent to disclose my personal information.Now my credit is in shambles and Im being sued by debt collectors!
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE
Product: Debt collection

I spoke already with the storage company and we had come to a negotiation for balance payment. Went to location several times to pay the debt of {$100.00} but location manager was out for vacation so could not make payment. Collection agency went ahead and apply charges of {$400.00} which affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per review of my credit report recently, i happened on a discretion. It stated " Paid Collection '' but i never was a collection account. This account never went legal. And i paid it all the way out shortly after. So, the account should not appear as a " Paid Collection '' I would like this thoroughly looked into and not just pushed to the side.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! 

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Product: Student loan

During the last week of XX/XX/XXXX, loan servicer ECSI, working together with XXXX University placed a {$4000.00} Perkins loan on my credit report. This is an in accurate reporting as the {$4000.00} Perkins loan is consolidated under my XXXX XX/XX/XXXXaccount. Furthermore, the Perkins loan was opened in XXXX. No communication was made to me before placing this inaccuracy on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a last attempt before taking legal action on the federal level through the court system in the form of a lawsuit. I have file a few complaints with CFPB and disputes with Experian. I have received a letter from XXXX XXXX placing the onus of information change on Experian, and Experian 's dispute resolution process letter state that XXXX XXXX has updated information accurately. 

I have the law FCRA, Chapter XXXX bankruptcy, Letter of rescinded reaffirmation, complaints and disputes that show no progress has been made in this matter. 

The status of the account is NOT " open '' and nothing should be reported as " {$0.00} written off '' that is " charge off '' language. Also, the account should be positive, not " By XX/XX/XXXX, this account is scheduled to go to a positive status. '' This is Adverse Action Notification to defy the United Stated Bankruptcy law and FCRA that all debts discharged through Chapter XXXX can not be subject to what I deem as " double jeopardy ''. As well, in defiance of the law they have " Recent Balance : {$20000.00} '' while not trying to collect on a debt. Comments reflects my subsequent complaints that there is collusion to circumvent CFPB complaint process with statements in the comment section : " Account previously in dispute - investigation complete, reported by data furnisher. This item remained unchanged from our processing of your dispute in XX/XX/XXXX. Date of Status : XX/XX/XXXX ''. This is same information reported before and after the dispute. 

I would like CFPB to start the process of taking action of penalty against both corporations : XXXX XXXX XXXX XXXX and Experian. I would like to speak with a supervisor or manager to pursue this to the fullest extent of the law through your complaint process. I would also like a statement from the director and or your legal counsel. Also, I will be in contact with Judge XXXX and his clerk to see if he sees any legal impropriety to obstruct bankruptcy law. Therefore, once I have obtained all relevant legal information I will take under consultation to pursue the matter in the XXXX District of PA or the XXXX District of New York.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is negatively affecting my credit report. This account was previously removed from my credit report, but has since been added as a collection once again with XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consume credit plan as late for any purpose.