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

XXXX XXXX XXXX on XX/XX/18 has an inquiries that I did not request or apply for a car loan threw them on XX/XX/18. I have also filed a complaint with the US Attorney office in regards to the matter of an fraud credit inquiries and proof from XXXX XXXX XXXX to show documents and my signature for a such loan.
Product: Credit reporting or other personal consumer reports

I am filing complaint as I found inaccurate information BK OF AMER account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up for auto pay since the beginning of my lease and they had my incorrect address and phone number they I have statements proving that they take the money from my account and then they have me late as three payments that dont make sense and Im reporting for one month I called them numerous times and they keep telling me to dispute it with the credit bureaus but thats not helping and I brought my credit score down for in accurate information they will
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : 1. Name of the account : XXXX XXXX, Account # XXXX 2. Name of the account : XXXX XXXX, Account # XXXX 3. Name of the account : XXXX XXXX, Account # XXXXXXXX 4. Name of the account : XXXXXXXX XXXX XXXX, Account # XXXX 5. Name of the account : XXXX XXXX, Account # XXXX 6. Name of the account : XXXX XXXX, Account # XXXX 7. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, XXXX  accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instruction.
Product: Checking or savings account

On XXXX/XXXX/2016, Cash Advanced {$600.00} with our Social Security XXXX XXXX XXXX. Zions National Bank could not find the {$600.00} cash advance so they ran another {$600.00} on XXXX/XXXX/2016. This mistake held {$1200.00}, all of our income. The supervisor XXXX XXXX XXXX at XXXX, stated " that it was the same {$600.00} and they had not made any mistakes. Contacted XXXX XXXX and they explained that Zions had forced through the 2nd {$600.00} and we would have to obtain a letter from Zions releasing the 2nd hold. XXXX XXXX insisted that it was the same {$600.00}, refused to issue a letter releasing their hold. We had to wait 10 days before the Zions hold would fall off, during these 10 days, we had no $ for XXXX. We spoke with 9 people, and numerous times with XXXX XXXX. During this 10 day waiting period, we begged XXXX XXXX to consider helping us, after all, we have had an account for 29 years. We contacted the Branch Manager, XXXX XXXX, he refused to help us, a 3rd party performed their cash advances. We suggested a letter from XXXX XXXX, their records showed a double hold, he refused to accept the letter, they had not taken a second hold. On the 10th day the Zions 2nd hold fell off and our {$600.00} was released. Zions Bank, insisted that they had done nothing wrong, and could not figure out what happened. Because they did not know what caused the problem, we felt it necessary to file a complaint. XXXX XXXX is a government agency and they knew what happened, Zions refused to admit any fault in the matter. XXXX XXXX, Case # XXXX, sent me {$80.00} in XXXX 's coupons in XXXX, we have closed our account. They had a nice XXXX, we will never forget we did n't have XXXX because of Zions.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Somebody has all my personal information and he keeps unlocking my credit file after I told Transunion 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.
Product: Credit card

XX/XX/XXXX transaction of {$5800.00} at XXXX for a 2 month vacation rental for my XXXX son so he'd not be homeless while in another part of the state for training program. Posted to account on XX/XX/XXXX. 

Soon realized this is a FAKE and scam listing ; there is NO actual address to stay at! Also, my son and I both got harassing phone calls AND texts over and over from foreign people I think in XXXX XXXX. The number is a KNOWN SCAMMER PHONE NUMBER you see when going on the internet to look up the phone number.

They demanded we or I go to an outside portal and RE enter all my personal info including my credit card. I immediately contacted XXXX and they could not understand basic English. Did not even know the word " mom ''

when trying to say I had booked for my son as his mom. I had to wait on Citi Thankyou credit card ( long time customer ) for the charge to post to dispute it. So I did that and then put in a dispute for services not rendered and they were not beause you you can't stay at A NON EXISTENT ADDRESS! Today Citi says they have come to the conclusion I still ow this! and they read nothing I sent them! I was told by customer service today at Citi they can't even see attachements in emails but the dispute people say to email them ALL proof! It seems like they do not read and now I know they do not. Multiple people have issues with Citi finding in favor of the merchant and doin g XXXX actual investigation to help their customers.

This is not ok. I already booked a vacation rental w/ the same credit card because that first one on XXXX did not exist and he still needed a place to live for 2 months ... so I now ow for TWO 2 month rentals on my credit card because Citi left the XXXX charge on my account /card. 

This is going to ruin my credit and has put me in debt. It also made my XXXX  son drink heavily to the point of literally drinking himself to death soon. He feels immense guilt that he caused this by needing a place. 
Today XX/XX/XXXX Citi card re added this charge and reversed their initial temp removal to do the investigation which they never actually do for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off equifax 2018 but its still showing on Experian and XXXX XXXX. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account number XXXX, XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account 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 card or prepaid card

WFXXXX is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. WFXXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. WfXXXX  also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting WfXXXX delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Product: Payday loan, title loan, personal loan, or advance loan

I want to make a complaint about interest that has been accrued from the start of the loan. So far none of the payments I have made within a year has gone towards principal
Product: Credit card or prepaid card

Comenity Bank closed my XXXX  credit card without telling me or XXXX clothing store. When I signed on to the Comenity Bank website for the card everything looked fine, and when I placed an order for clothing on XX/XX/XXXX, XXXX had no indication that the card was closed and completed the order. On XX/XX/XXXX I received an email that there was a problem with the order, but XXXX customer service could not figure out what the problem was. They transferred me to Comenity Bank, where the staff said the account had been closed because I had not used it for at least 2.5 years. I looked up my records and told them I had last used it on XX/XX/XXXX. I asked when it was closed and they said on XX/XX/XXXX ( three days ago! ) They then said they are able to close accounts due to lack of use within 18 months. 

This is problem for me as my credit rating is excellent and having accounts closed does not look good on a credit report. I spoke to Senior Credit Specialist XXXX ( no last name ) ID number XXXX. She said the account was properly closed and could not be returned to active status. 

So to recap : account closed without any warning to customer, no indication that account is closed on website used by customer to access account, no indication to store that the credit card is exclusively used on that account is in fact closed.
Product: Credit reporting or other personal consumer reports

I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but Santander Consumer wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes to the credit bureaus. And have not gotten a response
Product: Debt collection

XXXX XXXX {$7000.00} and the just sent the alleged last bill which is not the correct validation that I asked. I sent several dispute letters one was in XX/XX/year> XXXX XXXX {$7400.00} and the just sent the alleged last bill which is not the correct validation that I asked. I sent several dispute letters one was in XX/XX/year> XXXX XXXX {$700.00} and the just sent the alleged last bill which is not the correct validation that I asked. I sent several dispute letters one was in XX/XX/year> XXXX XXXX {$7200.00} and the just sent the alleged last bill which is not the correct validation that I asked. I sent several dispute letters one was in XX/XX/year> XXXX XXXX {$1600.00} and the just sent the alleged last bill which is not the correct validation that I asked. I sent several dispute letters one was in XX/XX/year> XXXX XXXX XXXX {$0.00} but has late fees and wrote as a charge off which is incorrect. I sent several dispute letters one was in XX/XX/year> XXXX XXXX XXXX never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
XXXX XXXXXXXX {$1700.00} never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
XXXX  {$0.00} but has late fees and wrote as a charge off which is incorrect. I sent several dispute letters one was in XX/XX/year> XXXX {$3000.00} never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
XXXX {$1100.00} never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
XXXX {$340.00} never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
*Midland Credit Management {$850.00} never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
Midland Credit Management {$2700.00} never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
XXXX  {$0.00} Never sent any verification but still reporting negative on my credit report. Also sent several dispute letters requesting verification or to be removed. One of the letters was sent in XX/XX/year>. 
There are also discrepancies form each credit bureau XXXX, XXXX, and XXXX of my credit. They all have differences of accounts, and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

American Express keeps trying to contact me all hours of the day mostly very early am. It upsets me because they use numbers to where I have close family or friends or where my kids are in college and it scares me and I answer and there is always a delayed response which scares me to find out it is them. Why don't they have to call on XXXX # and it identifies the company name? Should be mandatory!
Product: Mortgage

My experiences with Rushmore Loan Management Services suggest that their automatic billing processes are prone to error and lack transparency. 

In XXXX of 2018 I changed the way I paid my mortgage from automatic payments initiated by my checking account to using Rushmore 's automated debits, which would automatically deduct my payment each month, and would automatically adjust when changes to my escrow payment required it. 

I'd forgotten to cancel the monthly payment initiated by my bank, so I made two payments in the month of XXXX. When I realized this, I contacted Rushmore and asked them to reassign the overpayment to my principal. On XX/XX/XXXX, I expected Rushmore to debit my account per my automatic payment agreement, but this did not happen. I was traveling abroad for much of XXXX, and did not realize this until XX/XX/XXXX. 

When I spoke with a Rushmore customer service agent, I was informed that my payment for XXXX was not made because the double payments for XXXX caused the account to register no balance due. I also learned that both payments from XXXX had been attributed to principal, so I was in default for XXXX as well as XXXX. Furthermore, my account was not debited as usual in XXXX since my account was in default. I incurred approximately {$110.00} in fees due to the missed payments. 

Rushmore encourages users to use auto draft payments : their website states : " Rushmore highly recommends setting up recurring auto draft payments, if your loan is eligible for the service. Signing up ensures you will avoid being late on your loan payment ''. I did this, and consistently had sufficient balance in my checking account to cover the drafts. Nevertheless, my account became overdue and I incurred fees and had negative impacts on my credit score. It also took some time and inconvenience to resolve the issue. Furthermore, I was not able to find any information on Rushmore 's website ( rushmore.customercarenet.com ) that showed the terms of my existing recurring bank draft agreement, nor did I receive any communications from them explaining that my bank draft would not go through as scheduled.
Product: Credit reporting or other personal consumer reports

I currently have six inaccurate tradelines listed on my Experian credit report, and I have made numerous attempts to dispute these entries. Despite my relentless efforts, the disputes consistently result in the tradelines being marked as accurate. Normally, the dispute process takes about 30 days to yield any results, but astonishingly, my disputes are often resolved in less than 24 hours. In addition to the tradelines, I faced challenges with my personal information, which required me to dispute it multiple times before Experian finally corrected the inaccuracies. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I took the initiative to email a formal letter through the Experian portal, specifically addressing the Method of Verification ( MOV ). My intention was to understand their process for verifying the inaccurate items listed on my report and to gain insight into the procedures they follow. To further clarify my situation, I called Experian on XX/XX/XXXX, at XXXX AM and spoke with a representative named XXXX. This conversation followed another call I made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  during which XXXX confirmed that my letter had been received in the portal. During my chat with XXXX, I expressed my frustration about not receiving a response regarding my MOV inquiry. He informed me that their policy is not to provide feedback about their verification procedures. I took this opportunity to remind him that I have disputed the entries related to bankruptcy on multiple occasions and have provided supporting documentation, including the bankruptcy letter from XXXX. My attempts to resolve this matter have become increasingly difficult and time-consuming.
Product: Prepaid card

I deposited {$270.00} cash into my DasherDirect prepaid debit card at one of their authorized ATMs called XXXX. The ATM took my money and said they have retained the cash and not deposited the money and to contact my financial institution. My financial institution being DasherDirect will not help me at all. It has been XXXX days and they still will not give me any information this happened on XX/XX/XXXX at XXXX central time I have the receipt from XXXX stating that they have retained my cash and will not deposit it