23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing my credit report access all 3 credit bureaus, I noticed inaccuracies regarding this account. 
XXXX and XXXX are reporting late for the months of XXXX of XXXX while XXXX is reporting late for the months of XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of 15USC 1681. 

15 usc 1681 code ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These late payments being reported are also on violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1666b Per Experian credit bureau By definition an open end consumer credit plan is XXXX XXXX XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Product: Debt collection

I attended XXXX XXXX XXXX College for the spring XXXX semester. I have paid all monies owed to the school directly and have an invoice showing that I paid and have a {$0.00} balance as of XX/XX/XXXX. AR resources inc ( debt collector ) continue to report that I owe them the full semester registration amount even after I have sent them proof that this debt has been paid. I have contacted them several times directly and forwarded AR resources inc proof of the payment but they continue to report that I owe this debt to them. I have also disputed the debt through the credit reporting agencies with no effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask for the late payment removal and it was granted to me during the pandemic. it has not yet been removed from my credit file. This late payment is being reported in XX/XX/2021 XXXX
Product: Checking or savings account

I had a fraudulent charge in the amount of {$500.00} ( XX/XX/XXXX ) post to my Navy Federal checking account from XXXX XXXX. I immediately disputed the charge when I noticed it. Navy Federal gave me provisional credit while researching. Some time later Navy Federal reversed the dispute ( stating Visa could not verify the validity ). I opened a new account with Navy Federal so that I could continue my banking, as I knew I was not at fault and was assured the issue would be corrected. On XX/XX/XXXX my current account was debited {$240.00}, as well as {$220.00} on XX/XX/XXXX, and {$9.00} on XX/XX/XXXX. I have been trying to work with this bank ever since and continue to get the run around. I have never had any business with XXXX or authorized any payments to them. I want the bank to take liability for this issue and correct the damage it has caused.
Product: Mortgage

Intended for cash out refinance, signed and paid {$1900.00} on XX/XX/XXXX for application fees, appraisal, credit reports etc, also opened a checking account and deposited {$1000.00} as instructed. Loan officer at the branch promised 4 weeks closing time, loan amount was {$370000.00}. 
4 weeks have passed and have not gotten any news or updates, upon checking with the officer I was told there are applications ahead of mine, such as purchasing needs to be taken care of first. Another 2 weeks have passed, upon checking with loan officer I was given the same answer. 2 months have passed, sometimes my inquires gets answered sometimes were ignored. Walk into the branch most of the times there are only 2-4 ppl there , 1-2 on the front. When request to see manager or anyone beside the loan officer there were never anyone available. 3 months have passed I was told the loan officer caught XXXX and my case can not be handled by anyone. Almost 4 months on XX/XX/XXXX finally the bank starting to request bank statements, insurance, Grant deed etc which I Have provided back in XX/XX/XXXX. So none of the documents provided back in XXXX deemed valid. 

They want the wordings on the insurance changed multiple times. Examples are name need to match the one on green card exactly, name on California driver license were considered invalid. Vesting had to change many many times, they want it word by word to match grant deed, the way insurance underwriter put it had 2 words different from the deed and the bank refused to accept. They made request to escrow to include interest rates and terms etc, escrow refused to comply with their requests. 

This was a stated income refinance and bank statements showed the reserve met their requirements, 4 months later they requested statements all over again and reserve amount increased. 

My intention was to take money out and purchase a new home. With their extended delays, excuses after excuses, very poor communication, I wasnt able to achieve my goal, I now have to endure delay in closing escrow, results to a much higher interest rate and higher purchase price. I requested cancellation of the refinance and they refused to refund all my fees except partial appraisal fee. 

At last I requested a release of my appraisal to a different lender, which I agree to pay any fees and they denied, a tiny little help request from a customer whos finance situation got tuned upside down due to their lies and delays, they still refused to help. 

Rumor this bank source their money from XXXX and with XXXX  current mortgage crisis, they just dont have the funds to do mortgage business in U.S. , so they just advertise products and attract customers to pay fees and open accounts with them, never intended to close any application.
Product: Debt collection

Went to court and agreed on {$15.00} a month auto payment. Did t notice when it stopped after 2 years on their account until I got a letter about suing me again and then the day after XXXX XXXX XXXX they garnished my bank account over {$2500.00} with {$120.00} in it and havent sent the letter to release it since the amount was below the {$300.00} threshold and has had it locked for a month now. Never sent notification of garnishment or anything to resolve matter afterward. XXXX has sent letters etc and they still call me like nothing has happened refusing to identify themselves before the call.
Product: Student loan

I have been trying to get a clear answer about old XXXX loans and loan forgiveness for MONTHS. I talked to MOHELA initially, and they told me that I might be eligible, but I'd have to consolidate, but they couldn't tell me for sure, and they couldn't tell me if I'd lose all the time I've been paying ( XXXX years ). So I tried studentaid.gov, but it's unclear on my specific situation. Now, I can't get through to a real person at either MOHELA or Studentaid.gov. The information is conflicting, and I don't know whether I need to consolidate to take advantage of debt relief or not. I think the deadline to consolidate my type of loan might have already passed, or is about to pass, and I STILL don't know whether I should consolidate. I can't figure out whether I will lose all my years of repayment if I consolidate into the types of loans it is offering. After almost 20 years of repayment and still owing more than half, I think I deserve a chance for debt relief. But I don't want to start over on the number of years I've been paying unless it will really help. By my calculations, if I consolidate and I end up not being eligible, then I will pay thousands more than if I just continue on my current path. However, I'm not 100 % sure, because I can't get a report that shows me how much I've already paid, total, in 18 years. The report only goes back to XXXX Further, it looks like the only loan I could consolidate into would more than triple my current payment. I can't pay {$1500.00} a month on the hopes that my loans will be forgiven. So frustrated.
Product: Credit card

On XX/XX/2023 I got a credit card charge for XXXX XXXX XXXX XXXX XXXX in XXXX Ca for {$15.00}, on this day I was not in XXXX as I live in XXXX XXXX. 
On XX/XX/2023 there was another charge at a XXXX for {$130.00} On XX/XX/2023 there was a charge again at a XXXX for {$41.00} On XX/XX/2023 there was another charge at a XXXX XXXX for {$110.00} I contacted Golden One to inform them that these charges were not me and I wanted to file a credit card theft claim, they filed the claim and said they would open an investigation. 
As I was recently looking at my credit card statement I see the reversed the money they put into my account and took it back. 
I called and spoke to two customer service agents, the first one told me that I was basically out of luck because they claim my chip in my card was used and since the card was still in my possession that they do not believe it is fraud. This however again is impossible as I was not in XXXX on these dates I was in XXXX XXXX using my Debit card. 
Golden one rep said he would request for my case to be reopened, but due to it being a weekend I could not speak to someone in their fraud department.
Product: Credit card

over the past several months someone is attempting to open Chase accounts under my name. XX/XX/XXXX marriott platinum XX/XX/XXXX marriott platinum XX/XX/XXXX XXXX XXXX  my XXXX  and XXXX  are locked and frozen. i dont understand how these people are still submitting apps under my name. how do i get the information the are using to submit the applications and how do i get them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issue with Synchrony Bank, this bank practices ethics that hurt consumers. On my credit report I have five Synchrony Bank account cards that have been closed by the creditor. These credit card accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX and Care Credit. Every one of these accounts closed by Synchrony bank have never been late. Still Synchrony Bank has closed all five of these accounts and hurt my credit scores. Instead of having credit cards with longer timeframes and more credit to improve my scores. Synchrony continues to drive down my credit scores for no valid reason. My wife was diagnosed with XXXX and we had alot of medical bills while reduced to one income for a long time. However we paid every bill and never filed bankruptcy. We have been working hard to rebuild our credit but Synchrony Bank continues to set us back over and over again. Synchrony Bank needs to answer for every one of these accounts. 

Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank Care Credit - XX/XX/XXXX Every one of these account never late and never missed a payment. I want answer from Synchrony Bank as to why they take this action to hurt us consumers. I want action taken against Synchrony Bank for this inappropiate conduct. My credit scores would b 80 points higher if not for consistent closure of credit accounts by Synchrony. This bank needs to be heavily fined or it must correct its mistakes for closing my accounts. Please take the appropiate action against this company.
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. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : 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 XXXX 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 opened an account with Bank of America in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by Covid. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 6 years. This one late payment is causing me extreme hardship. I am hoping that Bank of America can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Bank of America and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Bank of America. Thank you for your time.
Product: Checking or savings account

On XXXX XXXX XXXX I opened a checking account with CitiBank. On XX/XX/XXXX the account got an direct deposit in the amount of {$2000.00} from my employer. I logged in a did a withdrawal of {$700.00} from my new Citibank account to a different checking account at another bank and it went through. 

Right after, I tried to transfer the remaining balance of {$1300.00} to another bank and Citi blocked the transfer and locked my account. 

I called the next day and they told me I have to wait 10 business days to receive a letter from them with a code that I have to call back and provide them to unlock my account and giving me access to my own money that I needed to pay my bills. 

I waited and received the letter 5 days later, called and provided the code on the letter and told that they will review the information and asked me to call back in 48 business hours. 

Today XX/XX/XXXX I called and they told me my account will be closed but they can not guarantee the release of my funds even after 30 to 60 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus have not updated my report in a timely manner. Its been a couple of months since my first initial dispute with them. They are failing to resolve these issues and errors im having on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have called Transunion and i have notify them in writing that i am a victim of identity theft. Transunion have failed to maintain reasonable procedure to in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. According to the fair credit reporting act. section 609 ( a ) ( 1 ) ( A ), Transunion are required by law to verfiy, through the physical verification of the original singed consumer contract, any and all account that they post on a credit report. I was inform by several Transunion staff staying. there is nothing they can do. i was told they have a right to keep it on my report because my original file did not include those item. and they came back verified. I ask XXXX, XXXX, XXXX who all identify themself as the supervisor. and they will not delete. i demand to see verifiable proof ( i.e an orginal signature on it that you have on file for the account attach. under FRCA unverified account must be delete
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : ( XXXX XXXX. ( XXXX XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,
Product: Debt collection

The debt in question has been disputed and removed from the consumer credit reporting agency, but the Debt Collection Company has stated they DO NOT own the debt and therefore have no legal grounds to report the debt. The Debt Collection Company resubmitted the debt after removal to bypass the legal dispute process. The Debt Collection Company has submitted a balance that directly contradicts the original amount they allege the " Company '' who they said actually owns the debt was collecting. The State of Utah only allows a Debt Collection Company to bill interest if interest was included in the initial company. AUTO INSURANCE DOES NOT allow for interest and therefore would not account for the discrepancies reported to the Consumer Credit Reporting Agencies. The Debt Collection Agency has a poor track record in Complying with Debt Collection Practices and with the continued support of the Utah State Attorney General 's Office proper discipline should be taken against Caine & Weiner. Caine & Weiner as I have researched is NOT a licensed Insurance Agency in the State of Utah and as stated in the previous complaint by the Debt Collection Money is attempting to collect money for an account they do not own, but allegedly relates to an Auto Insurance Policy for Vehicles that are not owned or Registered in the debtors ' name.
Product: Checking or savings account

I Have an account with Flagstar Bank, I logged in on their platform with the intent to transfer funds from an external account ( XXXX ). This occurred on XX/XX/year>. The funds left my ( XXXX ) account on XX/XX/year> yet never landed in my account with Flagstar. Flagstar sent me an email a later on the XXXX saying that the transfer couldn't occur as they couldn't verify that the account XXXX in this case was my account to withdraw funds from. I called up and provided them via email a bank statement showing proof of ownership. I heard nothing from them, and no money was deposited back into my account XXXX or Flagstar. I called on the XXXX of XXXX and they said that they will enable me to transfer funds back from external accounts now that I proved I'm the owner. They also said that the funds will go back to XXXX. Its now XX/XX/XXXX and my funds are missing. Flagstar claims they don't have it and that an intermediator has it known as XXXX. Flagstar advises that I should have XXXX do a XXXX release to get the funds back. XXXX XXXX know what they are talking about because they have the trace numbers showing that Flagstar has it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX  - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX how did the verify my dismiss Bankruptcy they said that they verified through a 3rd party!! I called the court they said that they dont release information.
Product: Credit reporting or other personal consumer reports

XXXX is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent 30 and it is hurting my credit scores. This is violation of US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan . This should be immediately corrected and as such they should remove all late payment history from my account.
Product: Debt collection

I have a collection agency calling me from a doctor I did see. This doctor was told that my attourney would pay after the case was settled from an accident. The doctor then shortly after being told, turned it over to collections. They called me and I told the collections they would need to contact my attourney about it ; at the time he was handling the case. Now however, The case ended close to a year ago and now they are claiming they have n't been paid. They keep calling me while I 'm at work and wo n't leave me alone even though I have told them my attourney paid everyone. The doctor is the original XXXX at fault for even turning it over to collections after being told it was being settled by an attourney.