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

XX/XX/XXXX Sent message through account saying that my loan was not reported to credit bureaus and wondering why. 

XX/XX/XXXX Tried virtual chat ( as directed ) three times. Unsuccessful. In my last chat I requested a call by a customer service manager. I wanted to talk about the chat people who disconnected on me twice. 

XX/XX/XXXX Sent message through account and attached a copy of my XXXX  credit report. I stated that the credit request was there ( twice ) but that there was no mortgage. Can CMG add it on for me and my husband? 

XX/XX/XXXX I was called from XXXX from CMG Customer Service @ XXXX XXXX ( XXXX XXXX XXXX. I told him about the chat people who hung up on me and I told him why I was calling. He said he would put an inquiry in [ nothing happened here, no call back or anything ]. 

XX/XX/XXXX I sent a message following up on the XX/XX/XXXX inquiry. 

XX/XX/XXXX I received a reply to the message that a letter was sent on XX/XX/XXXX ( I did not get it yet ) and that I got a copy sent by email. 

XX/XX/XXXX I replied that I did not get the letter or the email, to send the email again. 

XX/XX/XXXX Text of letter sent to me by message. In it they said this : As a servicer, we are bound by contract with investors to report to the credit reporting agencies. The Fair Credit Reporting Act ( FCRA ) requires that if we report, it must be accurate. We note that your correspondence does not specify which payments were inaccurately reported, nor does it supply supporting documentation that shows funds were received in a timely manner. We are, therefore, unable to accommodate your request without proof that refutes our previous reporting. 

XX/XX/XXXX I replied and said I sent you my credit report on XX/XX/XXXX ( since the letter says I did not supply documentation ). I asked why CMG wasn't reporting my mortgage. 

XX/XX/XXXX CMG replies " Our records indicate the credit has been reported each month as current. '' XX/XX/XXXX I checked the credit report again. It is not updated with the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXXXXXX XXXX XXXX XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXXXXXX XXXX XXXX XXXX has failed to do this.
Product: Credit card or prepaid card

I had negotiated a settlement with Citibank. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is harassing phone calls form Citibank AND a debt collection agency THEY contacted in regards to my account. I made numerous and repeated attempts to contact Citibank. But, either the call gets transferred to departments that are closed or there is outright reluctance from the Citibank representative to address and fix the issue. Additionally, when I asked the most recent representatives I spoke with, " XXXX and XXXX, for their full names, they denied, saying " Company policy. " This has been very taxing on me emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX closed my account ending in XXXX with an outstanding balance of XXXX which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXXXXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which Chex Systems and XXXX XXXX XXXX are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXXXXXX XXXX 's response letter ( attached ; page 2 ) which states " Our records do not show any fraud claims being filed with XXXX XXXXXXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX  XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.
Product: Debt collection

TransUnion experience and XXXX XXXX have violated my consumer rights. In order for another consumer, Agency to get information from another consumer, Agencywritten permission must be given. I'm going to write down the violations that I feel that They Have done consumer companies have violated my rights.15uscod 1681B2 & 15uscod1681q & 15uscod 1681c2 I have wrote XXXX next 3 times and had it. Notarize If they Can I give me the documentation that they have permissible purpose? Then I need to delete the bankruptcy.
Product: Checking or savings account

I was getting late fees and other sort of things that was going on with my account
Product: Money transfer, virtual currency, or money service

So I use XXXX  to send a transaction and when we found out that it was a fraud I reached out to XXXX  the same day within that same 30 minutes and they told me that it went to the person that was supposed to and I told them it was a fake account because they sent two different Names and I even screenshot it everything to them and they said it was nothing they could do about it it went to the right person and which I did not receive a service that was supposed to be provided. So I lost out on my money.
Product: Debt collection

Company calls myself and my consigner at least once an hour all day long every day. They have even began to call references asking that we contact them after I have already spoken with them trying to make a payment arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has incorrect personal information on me. They have on file possibly two addresses that are not familiar or false. Also my current address is not on file. My full name is not on file and there may be a fraud alert from XXXX. This i had on file with XXXX but was able to correct without problems. TransUnion is not being as cooperative. TransUnion would not accommodate for my XXXX either. Instead they disconnected the call refusing to correct the information. I also needed to dispute two accounts falsely reported if still on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit card or prepaid card

Synchrony bank closed my Paypal credit card account, stating that my credit score has dropped. I monitor my credit closely and it hasn't dropped recently. I have not missed a payment in my entire adult life.
Product: Credit card or prepaid card

On XX/XX/XXXX, I reached out to the capital one credit card customer service line to request a payment extension from the billing due date of XX/XX/XXXX to XX/XX/XXXX based upon my pay day is XX/XX/XXXX. When speaking with the first representative she advised that the request was declined and they do not offer payment extensions and they would not waive any late fees if fees incurred. I requested to speak with a supervisor. 

When speaking with the supervisor, i explained the situation and i was informed by the supervisor that if my payment was recieved on XX/XX/XXXX, there were no guarentees late fees could be waived. The supervisor wanted to transfer me again to another department to discuss waiving my fees along with amending my payment due dates. Prior to making a decision I requested for the supervisor to recap my concerns that was supposed to be noted to my account. The supervisor failed to recap the most important reason for my call is the payment extension of two days. I told the supervisor " I was now uncomfortable with this conversation because the purpose of my call was missed during the recap, and I need to begin recording this conversation. '' The supervisor told me I can not record our conversation as she does not give me permission to record and I asked the supervisor ( paraphrasing ) " why is she declining me recording her, well I decline her recording me during this call. ( Please be advised, I never recorded the supervisor ) The supervisor then says " I have warned you not to record me, you do whatever you got ta due. I am disconnecting this call. '' I advised the supervisor I will be filing a formal complaint with CFPB and she hung up on me. 

I have been a customer of Capital One since XX/XX/XXXX ( 5 years ) I have gone from having credit card being hacked, to late payments years ago. The purpose of my call was not to pay my bill at all, but to pay it 2 days later without incurring a penalty. 

The treatment I received during this call was uncalled for and disrespectful.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased a manufactured home which is on a rented lot ( XXXX ). The only loan available at the time, I was told, was at 9 %. I was assured that I could refinance later at a lower rate. I have since tried several times to refinance with my lender and others. I have been told that, despite an excellent credit rating, I do not qualify for a new loan because I do n't own the land my house is on. This is unfair to seniors on a fixed income and hard working low income families. I do not see much difference between this and high interest predatory payday loans. XXXX and other programs are not helping these groups.
Product: Credit reporting or other personal consumer reports

I'm writing regarding all negative reporting accounts. Please remove all negative reporting accounts. It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures. According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ). 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also kindly remove all addresses that are not my primary residence XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX l 've attached my Drivers License along with SS card for verification. Anticipating positive results on your behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i receive notice that they receive the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company and talking to them about removing the late pays as a courtesy after explaining the situation because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Mortgage

Bank of America has admitted that they have no documents or proof that they hold notes against my house. 
However, they refused to remove the lien on my house.And I can not sell my house.
Product: Credit card or prepaid card

I had my transmission fixed, at XXXX XXXX XXXX XXXX, in XXXX AZ and I was told that I would be able to use the promotion, that I wouldn't have to pay interest, for XXXX year, since it was a large purchase. I was hit with a large interest, for the past couple of months. I spoke to Synchrony car care and they told me to speak with the merchant. I called and spoke to XXXX XXXX XXXX, they told me that it was the problem with the credit card company and I would have to contact them back.
Product: Mortgage

I contacted the lender Freedom Mortgage for a status update for a loan modification application that was submitted to them this was on XX/XX/2019 I was told that there were some docs missing and so I gather the requested docs and faxed and emailed them to the lender I also had confirmed with them that if I provide these docs and the client is under review if the date of the sales for XX/XX/2019 would be put on hold I was told yes so I called the lender today to find out the status again and the lender tells me that they only received part of the fax once again. I refaxed and re emailed I have confirmation that the fax was received again, so I waited an hour, ( per lenders request ) and was told that the home was sold. I escalated the situation to a supervisor and was told that there were none available. After waiting on hold for 24 mins then was advised to call the trustee which I can not get ahold of a live person. I feel like this was a way of them stalling to be able to sell the home and even though I have been sending and have proof that the docs were sent on time and compliant with everything they requested they not only won't review me for loan modification but sold the house!!! this isn't fair.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX using account 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 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
Product: Vehicle loan or lease

I was looking to buy a XXXX XXXX I was trade in my XXXX XXXX XXXX XXXX with XXXX miles {$62000.00} plus {$7000.00} for the service contract so the sales person tells me that he has a car that is better than a XXXX XXXX XXXX I ask him what I was sales person say XXXXXXXX XXXX XXXX ok so before I can think about it he was getting my stuff out of my XXXX into the suppose to be a XXXX  XXXX but XXXX wasn't he was lying about it he sell me a XXXX XXXX XXXX so they got my XXXX XXXX XXXX XXXX cost me {$70000.00} and they was selling the XXXX for XXXX XXXX with my myi trade in the balance I remindnet was $ XXXX so I don't know what they did with the trade in money all whapping with the paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have violated my consumer rights by continuing to report late payments on my consumer report after I notified them by letter. Please see accounts listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX According to 15 U.S.C 1681a ( 2 ) consumer reports does not include transactions or experiences between the consumer and the person making the report 15 U.S.C 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S.C 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 By law, the consumer reporting agencies have clearly violated my consumer rights by adding my experiences to my consumer report, not ever having obtained my written instructions to furnish my consumer report to a third party and by treating my open ending credit transaction as a late payment
Product: Debt collection

I have reached out to the company for months now and they refused to remove the debt off my report. I talked to the rep in charge of my account and everything. I emailed him the proof he asked for on XX/XX/2020. He responded on the XXXX of XXXX and said he would remove it give him 3 to 5 days. It wasn't remove. I emailed him again on the XXXX of XX/XX/2020. I asked in the email why it was removed. He now says he is waiting on a response from someone to remove it. I emailed him again on XX/XX/XXXX and asked whats the hold up. He did respond. Its an apartment and I have to move next month for a job. If that's not remove I won't be able to find an apartment. Or I will be charged a high deposit for something that I took care of way in advance and this company is blocking me from moving forward. Please help me i don't know what else to do.
Product: Credit reporting

Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and 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