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

I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. 
XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number : XXXX This inaccurate information only shows up on TransUnion file In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my updated credit report.
Product: Debt collection

The collection agency is reporting inaccurate information on my credit report and it is damaging my score and causing great harm. I have never received any information from this company regarding the debt and my HIPPA rights have been violated. I am currently not working due to COVID-19 and due to a previous medical condition I am on XXXX. This company states that I owe them {$1100.00} for an account that was closed on XX/XX/2016. I have no other information and can not afford to pay a balance living off of the government stimulus and XXXX.
Product: Mortgage

Banner Bank is threatening foreclosure. I've written their attorney reminding him that I'm a XXXX  being... NOT A PERSON. MY NAME IS MISSPELLED ... NOT IN ALL CAPS. I NO LONGER ABIDE BY DE FACTO LAW ... ONLY DE JURE LAWFULNESS.

ALL BANKS ARE COMMITTING FRAUD USING DOUBLE-ENTENDRE IN THEIR CONTRACTS ... LAW 101 CLEARLY STATES THAT IF THERE ISN'T A MEETING OF THE MINDS THEN THE CONTRACT IS NULL AND VOID. 
ALSO, XXXX HAS BEEN PASSED. ALL DEBTS ARE NOW FORGIVEN. 
ALSO, ALL DEBTS ARE FORGIVEN DURING WARTIME. 
I AM NOT A PERSON... I AM A XXXX  BEING... NOT A CITIZEN OF THE CORPORATE UNITED STATES. 

" MORTGAGE '' MEANS, " DEATH PLEDGE. '' NO BEING IS ALLOWED TO MAKE A DEATH PLEDGE.. 
NOT LAWFUL.
Product: Credit reporting or other personal consumer reports

I was sold a broken vehicle, the company breached their contracted agreement of a warranty, and outright refused to correct the errors with the vehicle while coercing me into payments under duress of their reporting to the credit bureaus. There are hundreds of recorded complaints against this company and they refuse to fo the right thing. After the company refused, yet again, to correct the vehicle I stopped payments and told them to keep it. Now they are intentionally false reporting to credit agencies under their malicious bias against me and I'm filing a lawsuit once the timing is right and I just want absolutely no involvement with this corrupt organization. 

They sold me a vehicle under false pretenses ( incorrect trim, the vehicle was defective, they refused to honor their warranty, and they are maliciously ignoring communications hoping that I go away. I will spend the rest of my life pursuing this matter until this company makes it right.
Product: Credit reporting or other personal consumer reports

Experian has ruined my credit report by inaccurately reporting a closed auto loan on my Experian credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect XXXX XXXX. I was sold a car that needed several repairs that I had no knowledge of and I still never missed a payment on that auto loan for account number XXXX. I voluntarily surrendered the vehicle which should have closed out that auto loan on my credit report with " voluntarily surrendered '' for the status. I currently have another open auto loan with XXXX XXXX XXXX that I have never missed a payment on. Experian has violated my rights and XXXX misreported a closed charged off auto loan onto my Experian credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. I have tried calling Experian customer service number and kept being put on hold leading to them just hanging up the phone on me. Experian operates extremely inefficiently and does not do good business.
Product: Credit card

I have an issue with Synchrony Bank accessing my credit report file and closing accounts I have with them based off of my credit standing with companies not associated with them. They are the only company that I know does this. I am trying hard to fix my credit, but they are working even harder to ruin my credit closing accounts. Received a letter today, XX/XX/2024 about my XXXX credit has been closed. At first the credit amount was decreased from {$300.00} to {$100.00} and today I get a notice the account is closed. I have NEVER been late on this account. To send me a letter saying it was based off of my credit worthiness as if I submitted a new application for credit! This is not the only account that was closed... the XXXX account credit amount was drastically decreased and next the account was closed, I was only a few days, not XXXX or 30 days late, all due to my pay hadn't deposited into my account. As soon as I was paid, I paid the account and it was still in good standing. The XXXX XXXX account was closed, due to returned payment, again waiting on my deposit, that account is still in good standing. I request an investigation into XXXX 's credit practice, due to the fact this is a common thing that is done with consumers that have credit with them. They'll grant credit and then a few months later, the amount of credit is lessened and next the accounts are closed. So now you're stuck paying them back after they have already taken the money you paid into the credit and you have to keep paying them. I did write an email when it happened the first time, to not access my credit report. Trust me, if an investigation happens, you will see the fraudulent credit practice that's being done to consumers!
Product: Checking or savings account

XXXX The claim according to your records is still being worked on ; however, Bank of America or a fraud keeps calling me, they have never called me in the past. I receive a letter by mail at my home address or you notify me by email. According to your email they ( Bank of America ) are working on the issue. 
I do not understand why they keep contacting me and leaving phony extensions because nothing is resolved until Justice is done. 
These individuals hacked my computer and used a scam to take {$950.00} from my account and are still trying to gain access to my finances. I am no longer distraught like I was on XX/XX/2022. Now I can recall everything the individual I saw that night ( my neighbor down the street XXXX who resides at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). XXXX who works with my nephew ( XXXX XXXX @ XXXX ) and the constant harassing noise in the background of the callers. Plus, the two ladies who supposedly represented XXXX XXXX XXXX ( sent to my house as a joke ). Then XXXX. XXXX XXXX telling me I am not the only one who has been scammed and some foreigner could have done it. However, the scammer followed me to XXXX and fully controlled my cell phone, house phone, and computers. They answered the questions for Bank of America because I was helpless. Then, when I tried to leave my battery was disconnected. And I had to use XXXX XXXX. The police department did not even try to verify anything because it was a foreigner. Later, every time I looked around, I was told I had money in the bank ( I wonder how the foreigner knew that? ) Also, I need to be careful of the websites I visit even if they are legit. Now, Bank of America is calling me about an issue they are still working on. Nothing is resolved until " Justice ' is served on these people when the time is right. Bank of America will never refund me because of the red tape involved A. I just want them to know I am not distraught anymore but I remember everything now and who was physically in my presence and the background voices. Also, the motive behind everything to be proven?
Product: Checking or savings account

I responded to the offer by opening a checking account on XX/XX/2023 and funding with a {$25.00} opening deposit on that date as per the offer. 

The offer was as follows : The participant must fund the account with a {$25.00} minimum deposit within 30 days of account opening and keep {$25.00} in the checking account for at least 45 days to receive the {$100.00} reward. Minimum deposit required for membership of {$5.00}. The rewards will be sent to the participant via digital gift card within 30 days of meeting the 45 day/ {$25.00} balance requirement. 

I fulfilled the requirement by leaving the required depost amount of {$25.00} for over 45 days. 
I did not receive the promised gift card reward.
Product: Debt collection

Affinity Global ( was XXXX ) has called my ex-husband, his sister-in-law, my father and my daughter telling them I owe a debt and implying that I am in legal trouble for non-payment - XXXX of which are not true and is in violation of federal Fair Debt Collections Practices Act. They call my phone at least XXXX a day after I have told them many times that the debt is not mine. I sent a letter in XXXX XX/XX/2015 asking them to desist and to remove my number, and the number of anyone they associate with me from their records, yet they still continue to call and harass me and family and friends. Their language is threatening when they leave a message. Usually, they will call XXXX and hang up when they get voice mail, then they will immediately call again. The caller ID on my phone shows the calls coming from different states and numbers, yet it 's always the same person, XXXX XXXX, that leaves a message. I would like these calls to stop. I have also never received any kind of written notice from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX 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 RECEIVED A LETTER ON XX/XX/year> FROM ARVEST BANK IN XXXX, AR. XXXX INDICATED THAT I REQUESTED A BASIC OVERDRAFT COVERAGE ON AN ACCOUNT ON AN ACCOUNT THAT I DID NOT OPEN. 
I CALLED THE BANK AND THEY ASSURED ME THAT THAT ACCOUNT HAD BEEN CLOSED ON XX/XX/XXXX. TODAY XX/XX/XXXX I RECEIVED A DEBIT CARD FROM THAT SAME BANK THAT I DID NOT REQUEST. I CALLED THE BANK AGAIN AND THEY TOLD ME TO DESTROY THE CARD AND AGAIN ASSURED ME THAT THE ACCOUNT WAS CLOSED.
Product: Debt collection

Upon contacting XXXX I was told they could not assist only to state the alleged balance and directed to Valor Intelligent Processing LLC a 3rd party debt collector. Valor stated they received my correspondence and the account was proven NOT fraud as they will continue to pursue! They could not produce relative facts as I demanded. I explained this inaccurate reported information is causing a hardship and needs to be removed. Not only is Valor Intelligent Processing LLC knowingly violating my consumer rights per 15 USC Chapter 41 they have No permissible purpose per 15 usc 1681b, they are knowingly causing tremendous pain to my family and I. This company is holding our family from getting a home due to them infringing my consumer rights.I attempted to handle this matter directly to no avail. Only to be mocked as I informed them once again how they are violating my law binding consumer rights. XXXX XXXX has to uphold the laws placed and is their civil liability per 15 usc 1692k. I will go to the extent of the law to get my due remedy.
Product: Credit card or prepaid card

I was sent a new card by BofA for a balance transfer ( which I thought was through my existing Bof A card ). So I had a new account I didn't know about. Regardless, I noticed and set up automatic payments in time to have them arrive before the due date on the XXXX of each month. On the new statements there has been a late fee of {$40.00} every month, even though the payments are automatic through my bank ( XXXX ) and bank records are showing the payments were delivered 1 to 3 days before the due date.

After an hour on the phone with customer service, I was told they can only " grant '' the refund of XXXX late fee, despite all these fees being erroneous. I let the rep know I have paperwork from my bank to back this up and she insisted the " system '' wasn't responding and she couldn't get any more charges refunded. When I asked if there was an alternative way to solve this, she suggested I call back later ( as if there would be a more empowered person there later? )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting act by knowingly reporting inaccurate information ( {$6.00} in XXXX )
Product: Payday loan, title loan, or personal loan

I ordered products online on 4 separate occasions in a one month period. The first was offered at 9 % interest for a 24 month period. The subsequent 3 loans were 6 month zero interest if paid in full. 
When payments are made, PayPal only allocates payments to the first 2 loans. Since the first two loans are the highest balance, I will never be able to pay off the second 2 loans prior to the 6 month time period. I have paid two months in excess of the minimum due and have asked that these excess amount be applied to the last two loans ; however with repeated attempted all I get is an automated response that is unrelated to my issue.

I believe PayPal should allow me to direct application of any amounts in excess of the minimum due at my discretion. If not, PayPal will have effectively forced me into paying retroactive interest on at least the last two loans, and probably the send zero interest loan because payments will not be applied at my direction. 
As a borrower of this money, I see these as three separate loans to be paid as I desire. If PayPal considers these a single loan with different offers, then monies should be applied equally across all loans ... .but either way, I should be permitted to direct excess payments at my consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2022 To Whom It May Concern, this letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
XXXX. XXXX XXXX XXXX : COLLECTION ACCOUNT, XXXX Balance XXXX : Remove from Credit Report Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Product: Mortgage

I am in foreclosure. My aunt XXXX was contacted by a lender ( XXXX ) who asked then convinced us that we needed to make repairs to our roof. The home was fully paid for without a mortgage at the time. My aunt who had no income could not take out a loan, so XXXX suggested that she transfer the title to me so that I could refinance. I only applied to take over the house to help my aunt get the repairs to the home. We only needed about {$15000.00} to make repairs, but when I applied I was told by XXXX the company she works with do n't do small refinancing loans and that I would have to borrow much more. She convinced me to borrow {$50000.00}. Then XXXX suggested and picked out the roofing company who charged me {$20000.00} to repair the roof. Two years later XXXX came by my home and convinced me that I needed to borrow another {$50000.00} to make more repairs that never got finished. off and on XXXX would come to my house saying that I needed to pay her {$300.00} for fees, she also came to my job and harassed me there. I used the XXXX loan to make payments to both the loans. Thanks to the HUD counselor I realize now that I was preyed upon and was a victim of a predator the just stripped the equity out of my home. The women that did the refinance was XXXX XXXX and told me she work for XXXX and she convinced me that I needed these loans. I did not know how refinancing or mortgages work so I was an easy target. 
my family has lived in the home since it was built in XXXX. This was my grandparents home, my parents home, now my home along with my aunt. I really do n't want to lose it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

i check my credit report because i needed a good and well somehow the company that " claim '' i " owe '' certain amount is showing on my credit i proceed to dispute the account since I do n't have any clues as to how or why I 'm been ding on my credit. the response i get from the credit bureau ( XXXX ) is that the report will remain. i certainly do n't agree with that due the lack of authenticity from the company that is making the claim. I 'm not willing to pay for something I did not ask for there is not way i have this company in my archives as part of my monthly billings not now not in the past. I need and want this company to stop fraudulently claiming is me or assuming is me when is not. This need to stop and my credit restore they think that they can intimidate us but I believe in the system. i believed they are in violation of many FCRA rules but since is really hard to know all the rules with out an attorney this is the reason I 'm recurring to my closest resources. I even think the FTC my have some say on this. but i will refer to the correct channel whichever is recommended.
Product: Credit reporting or other personal consumer reports

XXXX Bank started wrongfully targeting me as a individual, after XXXX XXXX became president because I voiced my support for XXXX and how I was upset the terms of the loan where changed. They then started saying I do not have a real company and making lies on me even though I am a registered business. They sent people to my house and a federal judge XXXX XXXX has ruled they can not do that and sent the case back to Missouri, XXXX Bank is now constantly harassing me sending emails after saying they would not contact me again> I provided what they requested hoping they stop and they send repetitive emails. I am being discriminated against because in 2020 I said that XXXX should have been president and XXXX should not have changed the loan terms. I made a post about XXXX XXXX @ therealdbfresh on twitter and XXXX Bank sent XXXX XXXX to my house over the loan to question me. It is XXXX years later and XXXX is back in office and they are still harassing me. If XXXX knew about this XXXX Bank would be in XXXX trouble. Send the loan to the XXXX XXXX forgiveness. Tell XXXX XXXX how XXXX Bank is wrongfully denying my loan and saying they did not receive docs I sent just because of XXXX. You will see their request on page XXXX and that I provided everything they asked for and they are still lying! Make XXXX XXXX XXXX.
Product: Debt collection

Just received an alert on XXXX XXXX that Amsher Collection Services is attempting to collect a debt of {$680.00} for XXXX XXXX Now, I can tell you that I have been with XXXX for 14 years now, and have NEVER once applied for any type of XXXX XXXX. I can also tell you that I have never received any form of written notification of any sort of debt from Amsher Collection Services. After reading through countless reviews of this company, it is evident they are predatory, do not follow laws and have no compunction when it comes to ruining credit reports. This account needs to be removed from my credit reports immediately. I have already contacted the Indiana Attorney General and the FTC regarding this horrible situation. I am contemplating filing suit in my local court for violating the FDCPA for misrepresentation of a consumer debt.
Product: Debt collection

Several months ago, I incurred medical expenses at XXXX XXXX XXXX in XXXX, Texas. I provided an HSA account card for them to bill me monthly. I received no indication there was any problem. They made some kind of mistake and started calling me a couple of months ago about a " past due '' bill. My wife and I had to go down and hold their hands and point out their mistake which they admitted. Yesterday, my credit report reflected my only negative comment from Commonwealth Financial who apparently bought the debt. My credit score plummeted over 100 points and one of my credit card issuers cancelled my account. THIS DEBT WAS PAID MANY MONTHS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXXXXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. Amerifinancial Solution ( Collection Account ) Account Number : XXXXxx Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}