23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive been with comenitry / jarred bank for over a year there finance department is completely horrible if my payments are late by one day the are adding extra fees and including a extra payment to my account and if I dont pay the extra fees and payments they would report me to the credit bureau as being over 30 lates and then when I make my minimum payment they still say that Im late and the never give me a grace period for my payment Ive been sending in letters and calling customer service and when I ask to speak to a supervisor they get rude and refuse to transfer me to a supervisor my last payment I made was in XXXX due to the fact that I was completely Ill due to XXXX  XXXX when I was able to call today they stated that I almost XXXX for my account this is completely unacceptable and horrible they take advantage of the consumers and when I call they dont help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Address is wrong in credit report. It is linked to XXXX accounts that i didnt open.
Product: Debt collection

The accounting firm of my employer received a Continuing Writ of Garnishment Against Salary or Wages summons from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX FL XXXX, requesting my personal financial information. After researching who XXXX XXXX is, they are an institution that engages in purchasing consumer debts. This company has attempted to harm my credit in the past by placing false statements that I owe them any money. I have requested written and signed documents or any contractual agreement showing any debt to XXXX XXXX and/or XXXX XXXX XXXX - and no response or documents were ever provided with my signature. 

XXXX XXXX and/or XXXX XXXX XXXX appeared on my credit report. I had disputed the false representation of charges and it was removed from all three credit bureaus due to no validity of debt owed to XXXX XXXX and/or XXXX XXXX XXXX. 

Under further investigation, XXXX XXXX and/or XXXX XXXX XXXX had filed a judgement against me in the county court of XXXX XXXX XXXX in XXXX County, Florida on XX/XX/XXXX for the amount of {$7600.00} without my knowledge. 

As of XX/XX/XXXX, XXXX XXXX XXXX contacted a third party accounting firm that represents my employer requesting personal financial information, providing my personal social security number without authorization, in order to garnish my pay, and stating the amount owed is {$8000.00}. I am moving forward stating here that this is considered harassment and abuse, unfair practice, illegal communication, and trying to acquire personal information through a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to submit my information to XXXX, Equifax and XXXX  and have not been able to get them to properly update my file according to federal law.
Product: Debt collection

On XX/XX/XXXX, I was notified by XXXX from my XXXX account that a collection debt was flagged. XXXX/XXXX and the collection agency they use XXXX XXXX XXXX XXXX ( ERC ) put a debt collection on my credit report and I never received a bill. This charge is from XX/XX/XXXX! I paid a previous balance in XX/XX/XXXX and the debt was paid. They also had my current address and current phone number which has not changed. I called XXXX/XXXX and have called the collection agency and complained about this. They are currently saying I owe a debt of XXXX which I do NOT. We have also learned the reason why I owe this is because when I paid for the service back in XX/XX/XXXX at one apartment and then had to move into another apartment 6 weeks later and transferred the service, they did not transfer the ENTIRE service! They have admitted the billing/ accounting error and have still demanded I pay the XXXX. After numerous complaints and numerous back and forth phone calls, a lady from their administration service has told me the bill is valid. After researching on this and I demanded them to send me a copy of the contract and paperwork, they have told me they can not produce it! So I am being told by these 2 ridiculous companies that I owe a debt of XXXX with no contract or paperwork and no previous bills ... When I paid the debts in XX/XX/XXXX, nothing was ever stated to me nor mailed. One more thing, both debts on my XXXX  credit report states PAID and CLOSED. So after reading this situation, please let me know if you can help me. Today during a conversation with XXXX/XXXX, they told me that the debt collection was through XXXX, the debt that was reported on my credit was through ERC. XXXX XXXX XXXX XXXX. I have also disputed this debt with XXXX, XXXX, and XXXX. I also have some screenshots saved and a few conversations recorded from XXXX/XXXX, and yes they were told they were being recorded. Thank you.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 : 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 card or prepaid card

While buying plane tickets with XXXX, a popup appeared to apply for their XXXX card and get a {$250.00} rebate. Nowhere did it say that there would be an annual fee. I bought and used the ticket and was approved for the card. I recently got the statement and noticed that a {$99.00} annual fee had been added to my bill. I called XXXX at XXXX and spoke with rep XXXX and then XXXX XXXX on XX/XX/22 and they stated that I would be charged an annual fee. I let them know that's not what I signed up for and that's not what their offer specified. I also let them know that their offer on line for a barclays XXXX card SAYS there's a " XXXX '' annual fee ( see screenshot ). My card looks exactly the same as the one on line. They stated nothing could be done and I let them know this was bate and switch and I demanded that the annual fee be erased as that's not what I signed up for. They refused. I let them know I would be paying my bill minus the fraudulent {$99.00} fee.
Product: Debt collection

Amount {$5500.00} I have asked to remove off credit reports
Product: Checking or savings account

There are two unauthorized transactions on my account, someone used my lost Td bank debit card to make purchases in another country while I was still in XXXX XXXX, TD bank fraud department contacted me on XX/XX/year> through text message to verify some charges, I immediately notified the TD bank that I was not the one making any of the charges, they immediately closed the card and reported the fraudulent charges and advised me filling a dispute once the pending transactions are posted on my account. I filed the claim for two unauthorized charges twice and they denied my claim, claim numbers : XXXX, XXXX, they are not reimbursing me for the unauthorized charges, I did not write down my pin number on the card or I did not authorize anyone else to use my card in anyway. 

I am notifying you of the above unauthorized transactions, in accordance with the Electronic Fund TransferAct. See RegulationE, 15U.S.C. 1693et seq., 12C.F.R. 205.6, 205.11
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Synchrony Bank. I have mailed several correspondences to Synchrony bank over the past 18 months in regard to an account appearing on my credit profile as potentially negative. 

Synchrony Bank continues to report this unvalidated, inaccurate and incomplete account to my XXXX Credit profile. Synchrony Bank continues to request information from me in regard to this account. I do not have additional information other than what is being reported to my credit profile. Synchrony Bank also continues to ask me for my personal information including social security number, birthdate, spouse information, etc. I am not required to provide such information to request that this account be disputed and/or deleted from my credit profile. I have sent Synchrony Bank the full account number in which they should be able to locate this account and either update or delete the account from my credit profile. 

I am attaching the last four correspondences I sent to Synchrony Bank, in the correspondences I requested specific account information and documents, I also requested that Synchrony Bank delete this account from my credit profile if they were unable to complete a thorough investigation and provide the requested documentation. Every correspondence was forthright as Synchrony has ignored my requests and violated my rights. I have also attached a copy of my most recent credit report showing where the account is reporting as negative and also that the account lacks any and all account information. It also shows where I have also disputed the account with the credit bureaus and Synchrony Bank verifies the information. This account does not have any account information or history to verify. 

Synchrony Bank is in violation of the FCRA 15 U.S.C. 1681i ( c ) by failing to report an account as disputed on my credit reports after receiving my requests for debt validation.

Synchrony Bank is also in violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) for failing to accurately report information on my credit report.
Product: Mortgage

I have a Mortgage on my Primary Home, being serviced by Selene Finance. I submitted my Loan Modification papers several times before to different Servicers. I had submitted my Loan Mod Package to Selene Finance on XXXX XXXX. There was a Foreclosure Sale Date on XXXX XX/XX/XXXX and they did not want to change it because the package was not submitted 37 Days before the Sale Date. The Sale was averted, thanks to your intervention and a new Sale Date was fixed for XXXX XXXX as per Selene Finance 's Letter but later changed to XXXX XXXX. 

My 3rd Party is in constant touch with Selene Finance on a daily basis and submitted what all docs., they have been asking, right away, before XXXX. In fact they were told that the concerned Officer was on vacation during the year end and he will revert to the file, as soon as he returns.Till yesterday, they were being told that the File is under review, they require no more docs. and in fact they were asked not to follow up on a daily basis. 

But today, I received the attached letter dated XXXX XXXX XXXX, to my surprise saying that they did not receive the whole package 37 days before the Sale Date and hence Loan Mod is denied. 

How can there be 37 Days, when they just postponed the Auction by only 27 Days? If you count from the day the Package was originally submitted on XXXX XXXX, there might not have been 37 days up to XX/XX/XXXX but considering XXXX XX/XX/XXXX, the package was submitted 2 months ' in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ANY ACTUAL DAMAGES SUFFERED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ; I DEMAND {$1000.00} PER VIOLATION OR ACCOUNT REMOVAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper ( aka Nationstar mortgage ) error in payment history status reporting. 

Please see attachment to get a visual picture of the issues that are not being a addressed by the prior complaint.
Product: Mortgage

Now that we were finally discharge from Chapter XXXX it did n't take no time for Caliber Home Loans to call me and harass me and tell me we owe for XXXX payment and XXXX payment XXXX. Our mortgaged payment is XXXX and we have been sending XXXX. We sent XXXX payment out the XXXX and they are saying we did not pay it. Also there asking for XXXX payment already and we just mail it. We have 15 days and they say we are a month behind every month. This is not right we have made our payments faithfully and the extra money we sent was for the modification that we though we had in XXXX and they fail to tell us after we were approve for it that they took it away. But they are saying we owe {$2000.00} which is a lie and then they said they will charge us a penalty every month for non- payment. Because according to them we are late even if we have 15 days to pay. I am sick in tired of XXXX, XXXX XXXX and now Caliber they are all evil and do n't care about the person only on how they can XXXX us over. We pay a high interest rate of 9.35 and they figure if they can say we owe nobody else will finance our mortgaged and they can take advantaged. We need this to be resolve again and taken care of as our payments are paid in full.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. I paid cash for the entire purchase price. I used the car for a number of years and recently attempted to sell the car only to find that there is a lien on the car through World Omni Financial Corporation, mailing address XXXX XXXX  XXXX, XXXX Alabama XXXX. This fact was confirmed when I went to my local Florida DMV office and received a screen shot of Active Liens ( See Attachment 1 ). I contacted XXXX XXXXXXXX at phone number XXXX and was told that had no active loan under my name or loan for the VIN number of my car and that they would clear the issue if I would send a fax to number XXXX. On XX/XX/XXXX I sent the fax ( See Attachment 2 ). Since XXXX is still listed as a lien holder on the title, I called on XX/XX/XXXX and spoke with XXXX and explained the problem. She told me she would release the lien on the title. I was grateful that I could now sell my car and asked if I could send a fax expressing my appreciation to XXXX 's boss ( See attachment 3 ). On XX/XX/XXXX I accessed the Florida Vehicle Information Check, XXXX is still listed as a lien holder ( see Attachment 4 ). Other attempts that I made to resolve this issue is to locate the original purchase agreement from eight years ago, unfortunately I can not locate it. I did not save a copy of the purchase agreement and the car dealership, XXXX XXXX XXXX XXXX, is no longer in business. I have reached out to the dealership 's successor with no response. My local DMV informed me that only XXXX can release the automobile lien. In over eight years, XXXX has never initiated any communicated with me either by phone or in mail regarding payments that have not been made. I have been told that they do not have records of a lien with me or records of an active lien with the VIN number I have provided. Why will XXXX not remove the inaccurate recording of the lien from the title?
Product: Credit reporting or other personal consumer reports

I do not recognize any of these hard inquiries on my XXXX XXXX in my XXXX report I would like to remove since they were not authorized by me. I have included a police report to these agencies to report identity theft, and they still are not helping me. I need these remove. These were not me doing these hard inquiries please and thank you. I want these inquiries deleted since I did not authorize these companies to run my credit which is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a savings account with Capital One and it's called a XXXX XXXX XXXX. I have been on the phone with them multiple times in the last week ( XX/XX/XXXX to XX/XX/XXXX )  explaining I was purchasing a house and needed to move my funds around. There was first a delay in transferring funds because I had to confirm my account. I don't understand why this is necessary considering I should be allowed to send money to any account, but I was able to transfer the money today on XX/XX/XXXX. I initiated the transfer of funds and then I received a notice that my funds were withheld and unable to be transferred. I immediately contacted the number I was supposed to contact and they told me they could not help me. I was given another phone number to speak to and I have been on hold for over 40 minutes. I feel like they are withholding my money and making it as difficult as possible to transfer it to another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a XXXX XXXX financed through GM Financial. We have a series of 30 day lates in XX/XX/XXXX stemming from Hurricane Harvey, but have made on-time payments from XX/XX/XXXX to present. Below is a history of my attempts to have information reported accurately, and their response : XX/XX/XXXX : I sent the CEO an email asking for deletion of reporting errors stemming from XX/XX/XXXX. 



XX/XX/XXXX : CSR contacted me RE email and stated they reported late, and wouldnt change anything. I advised that practice was illegal per the FCRA, but he insisted it was their company policy. 



XX/XX/XXXX : Initial call with GM Financial AVP Customer Experience named XXXX XX/XX/XXXX : XXXX stated she would send us a letter stating that our XXXX and XX/XX/XXXX payments were made on time. She would reach out to us next Tuesday XX/XX/XXXX : XXXX stated that said letter would have to come from legal. 



XX/XX/XXXX : XXXX XXXX : XXXX stated on a call that she was unclear if the call was being recorded. She re-confirmed the following statement : No, you were not late for your XXXX or XX/XX/XXXX payment. I cant speak to why we wont send a letter stating that, but its the guidance our legal team has given us. 



She went on to state, Your XX/XX/XXXX payment was late, and we reported it as a late payment for XX/XX/XXXX. 



Additionally, XXXX gave us a non-working number when we asked for their corporate HQ and/or legal team direct line. 



Because GM Financial has on multiple occasions admitting that their reporting practices are in violation of the FCRA act, I am requesting that ALL late payments on account be removed immediately.
Product: Student loan

I have a few school loans that are ( XXXX ) closed out on my XXXX Credit report that I would like to remove off of my report. The reason why is because I 've filed bankruptcy XXXX, 2015 and these loans have been closed and they 're still sitting on my report hurting my score.
Product: Checking or savings account

On XX/XX/2023 Bank o American decided to close my account for no legit reason and sent me the remaining of the balance. I was surprised to see that he remaining balance I received was for less than my balance in my account before they closed it. I tried to login to my account but they disabled my online banking as well. The only option for me was to call them and ask what happened to my funds. They advised me to wait for the statement and call them back if something was not right. I received the statement by mail and saw two transactions that were not mine. I immediately requested investigation of the two transactions that were not mine and a few days later I received a letter dated XX/XX/2023 that they were still working with the merchant to resolve my claim and that the process could take up to 45 days and that there was nothing I needed to do at that time. I waited for 45 days and called them for an answer. Bank of America told me that they had sent me the cashiers check for the rest of my balance and that I should have received it by then. I advised them that I had not received anything other than the letter and they told me that they would investigate to make sure the cashiers check had not been cashed and if so they would send me a new one. They advised me to wait for 15 business days. I did wait and since I received nothing from them I called them again and this time they requested that I go to any branch and call the number they gave me. I did get an appointment for XX/XX/2023 at XXXX XXXX XXXX XXXX Branch. The associate there helped me call them and they told the associate why he came to the branch t has not been 15 business days since we last spoke to him. Long story short the associate at the branch told me to go home and call the same number again in a few days. After that I have been calling them and not a single associate, manager or a supervisor knew what was going on as if I was in a different planet looking for dentist. Bank of America is very unorganized and unprofessional and the staff working there is most careless one can encounter.7
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, and questionable items that your agency didn't make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 16811e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 percent accurate under 15 U.S.C 5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports You are in violation of the FCRA and can result in legal action if this is not removed.
Product: Debt collection

The company has sent multiple threatening letters indicating various grave consequences and presenting information in misleading ways. A previous letter they sent said failure to address a debt could lead to imprisonment. In their most recent letter, they state that they have no obligation to validate the debt as I requested in a letter to their office. I also informed the debt collector that the debt was most likely already out of the statute of limitations since the original judgement was made in 2004. They responded that debts can be valid for up to twenty years without confirming or denying whether the debt was ( 1 ) valid and ( 2 ) not outside the statute of limitations. They also claimed they have collected nearly XXXX in a previous wage execution but I have no record in my bank accounts of any such action or event taking place.