23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

An electronic payment I made through my bank on XX/XX/XXXX, XXXXwith approximate delivery date XX/XX/XXXX has neither been credited to my account, nor has my payment been returned. 

Previously, payments I made from XXXX thru XXXX were not applied to my account until I inquired. I submitted my inquiry on XX/XX/XXXX and did not hear back from LoanCare until XX/XX/XXXX. 

In the meantime, I made my XXXX payment on XX/XX/XXXX, as stated above. LoanCare stated that I was making payments under an incorrect account number, but I have been making payments under the same account number since XX/XX/XXXX, when my account began to be sub-serviced by LoanCare. 

Proof of payment for each month for XX/XX/XXXX thru XX/XX/XXXX is included. It can be seen that all payments have been made under the same account number. 

I intent to make future payments under the account number indicated in the correspondence from LoanCare on XX/XX/XXXX. However, previous to this correspondence, payments that I made that were neither credited to my account nor returned to me. At no point from XXXX XXXX did I receive correspondence from LoanCare stating my payments were not made under the correct account number.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Inquired on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reported the fraudulent activity on checking account with Bank of America but they refused to do anything until I come in office. The closest office is 70 miles a way and I am XXXX.
Product: Credit card

I didn't have any knowledge of this account, I recently tried to apply for my first apartment and I got denied because of something on my report so I checked because I haven't in a while and I found this account.
Product: Credit card

I had extensive XXXX XXXX done in XX/XX/year> with XXXX XXXX XXXX. I used Care Credit to charge {$6000.00} of the work. XXXX XXXX to charge the other {$5200.00} Within the first few days of getting the XXXX  done I noticed they were turning a shade of grey. They knew from day one I was not happy with the shades of my XXXX  but did not want to do the extra work. When I called them and then emailed, they originally thought it was something to do with the material the XXXX  were made from. They went back and forth with me taking weeks between each email. Asking for different angels of pictures just stringing me along. Then they just all together quit responding. They knew when they first put the XXXX  in my XXXX  how they looked. They knew because they asked me to move into another room to look at them in different lighting. You shouldn't have to change lighting for your XXXX  to look a different XXXX. That is just ridiculous. It took months to even get to talk to anyone at Care Credit. MONTHS. I finally received a call after filing several appeals and this woman had my case confused with another case. She told me they already paid XXXX XXXX and there was nothing they could do. Care Credit is a company not XXXX. She told me I should submit a claim to Consumer financial protection and report the XXXX. She could clearly see what XXXX XXXX did but technically works for Care Credit. I have since saw a new XXXX  that x-rayed my XXXX  and couldn't believe what XXXX XXXX did and how bad the margins are off. I actually have saw XXXX highly skilled XXXX  in XXXX XXXX. Both confirming the margins are off. Unreal. That means I have to get these XXXX  replaced as they are rotting from the inside out because they are not seated correctly. I spent {$6000.00} with care credit and {$5200.00} with XXXX  XXXX all at XXXX XXXX XXXX  XXXX  to get XXXX XXXX  XXXX  done. {$11000.00} and my XXXX  have to be replaced- CARE Credit is a joke
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

I have tried to work this out with The Bureaus who is a debt collector. They are reporting on my consumer which is a violation under 15 USC 1692. By them reporting this to my credit it is defaming my character and my credit report. They are violating my rights and I will no longer tolerate this type of behavior. I am a consumer. I have laws to protect me as a consumer. I am not going to tolerate my rights being taken away from. I have sent an a invoice for the violations that The Bureaus violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ISSUE IS HIPAA COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under HIPAA. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized HIPAA business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized HIPAA business relationship between XXXX XXXX or XXXX XXXX. My request was made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and California 's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued XX/XX/XXXX and Omnibus Final Rules effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A payoff request for a first mortgage loan was submitted to Ditech on XXXX XXXX, 2016. In the past 4 1/2 weeks they have acknowledged several times receipt of the request yet have been unable to provide a written payoff request. They have stated that the attorney faxed it, the attorney was still working on the figures, money was applied to the account incorrectly. Every day they tell me that we will receive it tomorrow.
Product: Vehicle loan or lease

Purchased my car XX/XX/2023. Simple interest loan ( GM Financial XXXX. The terms..only pay interest on the remaining principal for the amount of days used that month. If I pay early, or send extra money to lower the principle my interest payment goes up the next month instead of down. I have contacted them on numerous occasions only to hear " well that's not right, a supervisor will call you '' they never call. This has happened at least five times.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, and my account got frozen for fraud, something I didn't do, and they won't unfreeze it because I don't have a picture id. I got funds in my account for {$1200.00}, and I need my funds too. I want y'all to verify me a different way without having a picture ID, allow me to withdraw my funds even when my account is frozen, or send me a check for {$1200.00} to XXXX XXXX XXXX XXXX XXXX PA XXXX, and my Venmo username is XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

At this point, TransUnion failed to adhere to Federal Trade Commission Report and all other credit reporting agencies honored the request from a fraud victim. So, from this point, this case should be forwarded to the Department of Justice for further investigation. Furthermore, an attachment of my personal lawsuit for punitive and compensatory damages to me and family. Thank you.
Product: Debt collection

On XX/XX/2016 I received a alert about a XXXX account added to my credit report. I have no collections on my accounts and all my account are up to date. The company is named XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The amount is for XXXX I never received notices to contest this account. I submitted a complaint with the XXXX of XXXX XXXX. XXXX and the BBB. This company just posted this account on my credit report without due process of validation of ths debt.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all adverse remarks for the following accounts : XXXX XXXX  Account Number XXXX Open Date : XX/XX/XXXX BAL : {$15000.00} XXXX XXXX  Account Number XXXX Open Date : XX/XX/XXXX BAL : {$2900.00} XXXX XXXX  Account Number XXXX Open Date : XX/XX/XXXX BAL : {$5900.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

b'This inquires was placed on my credit report without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A collections account is showing on my credit report from choice recovery for XXXX XXXX XXXX XXXXXXXX. I have never been a patient with this medical company/doctor since I have been XXXX. If this was for me I would of been a minor and not signed for treatment or responsibility of the bill. I have received no bills from this company or had knowledge of the bill. Shows an amount of XXXX and date opened XX/XX/2014
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for FCRA Violations Failure to Investigate Disputes I am filing this complaint against Experian for failing to properly investigate my credit disputes, as required under the Fair Credit Reporting Act ( FCRA ) Section 611. 

I submitted a dispute to Experian regarding XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and inquiry XXXX XXXX, stating that they were inaccurate and must be removed. Under the FCRA, Experian is legally required to conduct a reasonable investigation and respond within 30 days. However, Experian failed to investigate my dispute and did not provide a proper resolution. 

Furthermore, I have followed up multiple times, yet Experian continues to report inaccurate information in violation of federal consumer protection laws. This failure has negatively impacted my credit, causing financial harm. Without even investigating my disputes!
Product: Bank account or service

Our deposits particularly cash and cashiers check were n't given credit the same day and 5/3 rd bank bounced our check deliberately. 
A cop came on the scene when I was denouncing bank practice to the Vice President. I was appalled why did the cop appear when I was venting our frustration. Obviously it shows stupidity on the part of bank staff who called the cop. 

Branch address is XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This bill is a result of an error in the processing of the claim as pursuant with my health insurance I filed a complaint with the XXXX XXXX XXXX XXXX and informed the collection agency of my actions and my dispute. The XXXX XXXX XXXX XXXX has sided with me and has requested the insurance company to reprocess claim without copay they have requested XXXX days I have sent this information to the collection agency and received a response saying they denied my dispute and plan to continue with the collection process and place the collection on my credit report
Product: Credit reporting or other personal consumer reports

Complaint is against Synchrony Bank : Customer Service, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Tel : XXXX Loan is paid in full. Received letter from Synchrony Bank stating paid in full. Telephone recording states the loan is paid in full. Received released title for vehicle from Synchrony Bank. However, Synchrony Bank has reported 3 times that the account is delinquent with a remaining balance of {$160.00}. Synchrony continues to send statements showing a remaining balance of {$160.00}. These statements are inaccurate. The account is paid in full and Synchrony has provided the documentation of such. 

Discovered the delinquent account reporting XX/XX/year>. Contacted Synchrony XX/XX/year>, spoke with XXXX ID # XXXX, he found an internal discrepancy, but found that the loan was paid in full with a XXXX balance. He opened a ticket # XXXX to resolve the discrepancy and correct the delinquent reporting. He stated it would take up to 30 days to resolve. Discovered XX/XX/year> " Delinquent account '' reporting for same loan again on XX/XX/year>. Contacted Synchrony XX/XX/year>, spoke with XXXX ID # XXXX. He also found internal discrepancy, and also found account to be paid in full and that a XXXX XXXX had been entered into the system to XX/XX/XXXX out '' the account within 60 days, which was approved on XX/XX/year>. All delinquent reporting was to stop and be reversed with all 3 credit agencies. Received a letter dated XX/XX/year> from Synchrony stating that the issue had been resolved and the account had been adjusted to address the payment concern. Discovered XX/XX/year> delinquent account reporting yet again, on XX/XX/year>. 

This has caused my credit score to plummet XXXX points since XXXX. I am a business owner and finance equipment, loan refinancing and new project loans on a regular basis. This has had a negative impact on my personal and professional ability to conduct business. This is without a doubt both fraudulent and malicious credit reporting by Synchrony Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  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
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. 

I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint on the date of XX/XX/year>. 

Please investigate and provide proof with statements showing that this late payment was late. If proof can not be provided, I demand that these payments be updated to paid as agreed on time because I was never late. Thank you! 

Please see attached screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

XXXX XXXX XXXX recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made XXXX XXXX XXXX aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.
Product: Debt collection

PNC is working through XXXX XXXX to collect a debt, they claim amounts to {$610.00}.

I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX.

I have previous statements from that time.

I spoke with local bank tellers multiple times.

The bank did refund some overdraft fees at first.

Then they would not allow me to close the account.

My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year.

The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account.

I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX ; Account # XXXX
Product: Credit card or prepaid card

This complaint is related to XXXX. 

Bank of America committed corporate fraud and theft when it withdrew an auto payment on XX/XX/XXXX when the card had a zero balance. 

Bank of America refunded only {$23.00} of the {$25.00} it stole from my bank account, keeping {$1.00} for a minimum interest charge. This is the second instance of corporate theft the bank has committed. If the initial corporate theft committed by Bank of America did not occur, the current, second theft would not have happened. The interest collected constitutes FRAUD. 

XX/XX/2020 External Withdrawal BK OF AMER MC - ONLINE PMT {$25.00} XX/XX/2020 External Deposit BANK OF AMERICA - Credit  Bal {$23.00}