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

THIS 2ND COMPLAINT AGAINST XXXX IS IN RESPONSE TO THE BLATANT LIE THEY TOLD REGARDING THEIR REPONSE TO COMPLAINT NUMBER XXXX REGARDING THE UNLAWFUL COLLECTION AND FRAUDULENT ACCOUNT PUT ON MY CREDIT REPORT BY XXXX XXXX XXXX XXXX Account number XXXX. I DO NOT HAVE AN ALARM WITH VIVINT NOR HAVE I EVER HAD AN ACCOUNT THAT I AUTHORIZED FROM THEM. THIS COLLECTION COMPANY HAS NOT CONTACTED ME TO ASK ME OR TO VERIFY THE ACCOUNT AND XXXX HAS LIED TO THE CFPB INDICATING THAT THE ACCOUNT WAS VERIFIED BUT HAS NOT SENT ME ANY DOCUMENTATION STATING THAT I SIGNED FOR AN ACCOUNT WITH THIS COMPANY NOR HAVE THEY CONFIRMED THAT THIS THIRD PARTY IS AUTHORIZED TO COLLECT ON THIS VIVANT COMPANIES BEHALF. NOR HAVE THEY SENT ME ANYTHING SHOWING THAT I EVER HAD A CONTRACT WITH THIS COMPANY NOR HAVE THEY PROVIDED DOCUMENTATION THAT THE STATUE OF LIMITATIONS HAS EXPIRED.
Product: Credit reporting or other personal consumer reports

I urgently need assistance to stop the reporting of certain items on my credit reports. Despite numerous attempts to address errors and fraudulent information with the three Credit Bureaus, the issue persists. Letters were sent to your office, but no response has been received, and the same items have reappeared in my latest credit report. Below is a list of items I am disputing. Immediate action is required to delete these items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

I received several calls a day from random numbers throughout the country. They will not tell me who they are when they don't hang up on you, they don't leave messages, extremely rude,. I have repeatedly told them to stop calling me a contact me via mail and I will give anything to my attorney. This has been going on for months, everytime I block their call I get it from another area code. When you XXXX  some of the numbers it tell you Hauge and associates. They have no professionalism, they threaten you, they don't tell you what anything is about and just tell you to give them money. 

If I have an account out there that I don't know about or anything, why cant they send me the information I request via mail so I can validate that this is a legit debt
Product: Debt collection

Dept of Treasury have not contact me about my student loans, It was in collections I did not received and documents, I have called so many different numbers and no one can not tell me anything, I have gotten approved for financial aid and they took my whole tax refund but can not explain why
Product: Credit reporting or other personal consumer reports

I received the investigation results from my previous dispute & am very confused. I don't think you fully investigated my claim of identity theft as the following accounts still remain so I am disputing the accounts again. These accounts were opened without my knowledge, consent or authority. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. Additionally, the other bureaus have already removed these from their records. So, please DELETE these right away : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Bank account or service

I have a safe deposit box with Bank of America at XXXX XXXX XXXX XXXX XXXX, OR XXXX for over 15 years. I received the payment notice about the same time every year. On XXXX, I received the bill as usual. If I had an account with them, so it would be a {$5.00} discount ( I think it mentioned on the bill ). I went to the bank and paid my bill at XXXX XXXX XXXX and asked one of the tellers for the discount since I had a checking account with them ( I closed my account later on but still kept my safe deposit box ). The teller told me it would n't be any discount and the fees on the safe deposit box went up to {$40.00}. I paid the {$40.00} ( I still have the receipt that proved I paid ). The price was not a problem because I transferred my safe deposit box from XXXX XXXX to the XXXX so that it would be more convenient for me. On XXXX, I was expecting the payment notice as every year. I did n't receive the bill and the due date was coming up soon. I went to the bank and asked one of the tellers about I did n't receive the payment notice but I wanted to pay my bill. She checked the computer and told me they made an error for overcharging me last year so that my safe deposit box would be free of charge for life and that 's why I did n't receive any bill ( I trusted the bank and I did n't ask her to put on writing, that was my biggest mistake that I ca n't prove it since they destroyed all the records ). I was so happy for last 10 years and I did n't really receive any bill. 

I went down to the bank two days ago and tried to take something out of my safe deposit box. I was told they did n't have any info about my box. I talked to the assistant manager and found out my box had been drilled last XXXX and all my records was destroyed. They had been sent me notice to my old address since I moved 6 years ago. I guessed I did n't check my box for last six years since they still had my old address. I told her about my story and she said that was impossible as lifetime free of charge. I needed to pay {$390.00} to get my stuff back. She also told me to call the XXXX customer service number about the procedure on how to get my stuff back. When I called that number, the customer service rep. told me none of information came up with my ss # and box # search. He suggested me go back to the bank and spoke to the manger to give them a call with all the info. I talked to the manager on the phone this morning ; he could n't do anything for me. I needed to pay the {$390.00} for the rental fees for last two years and the drilling fee to have my stuff back. I do n't think that is right to charge me for the mistake that they made to have my stuff back.
Product: Student loan

at XXXX XXXX  on XX/XX/2022 I called the customer service for Great Lakes loan servicing ( XXXX ) from my cell phone because I want to consolidate my FFELP loans owned by XXXX to federal direct consolidated loans. I had questions because I wanted to choose Great Lakes to service my loans once they are consolidated. The customer service woman was rude and impatient, and after a few moments where I tried to explain and clarify while referencing the info I'd gotten from student aid.gov, she hung up on me without answering my questions. ( Which has made me re-think choosing them as a servicer -- I will now take my business somewhere else. )
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017 a loan of {$400.00} was established. The interest rate being 347.69 % with a finance charge being {$57.00}. Within a week, XXXX XXXX XXXX contacted me about the way Advance America conducts their payday loans. Upon further investigation, I was able to ascertain the basis that Advance America was in fact violating the Indiana Statue governing the way payday loan companies are to conduct themselves. The maximum finance rate and fees allowed by Indiana law on a loan of {$400.00} is 13 %. This is not the case in the existing loan. The rates in this loan are beyond 13 % which if that is true, it 's more than the maximum finance rates and fees allowed in the State of Indiana Statute 24-4-4.5-7-101 et seq. Advance America is committing fraud which is unethical and has chose to violate the Indiana rules of law are required for payday loans to abide by. This action is the intended action the Indiana Statute is intended to avoid.
Product: Credit reporting or other personal consumer reports

I am writing this complaint against Equifax Inc. Credit bureau XXXX I have been dealing with them to unfreeze my credit report since late XXXX. I have attempted many times to prove my identity through mail with a copy of my valid drivers license, social Security card, and a written statement, and I have also used their document verification links with no success. I dont remember the date I first faxed my information to them to prove my identity nor the second time I have mailed them but the dates I have mailed them through certified mail with the united states postal service are XX/XX/XXXX and XX/XX/XXXX. The dates for their document verification links for identity verification is XX/XX/XXXX and XX/XX/XXXX. I have called numerous amounts of times with no success and was even hung up on before. Thank you for reviewing my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out XXXX XXXX, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATLDISCORP - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Auto XXXX, New XX/XX/2022 Experian CAPITAL XXXX AUTO FIN Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDSASHL - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX Auto XXXX XX/XX/2022 XXXX XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX GLOBAL LENDING SERVICE Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/2022 XXXX XXXX XXXX Auto XXXX XXXX XXXX XX/XX/2022 Experian CAPITAL XXXX AUTO XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDS XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX OF XXXX Miscellaneous Automotive XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers XXXX New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX CRE Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Payday loan, title loan, personal loan, or advance loan

I made a balance payment on XX/XX/year> for {$14000.00} which was the total amount owed on my account. Their company doesn't report until XX/XX/year> which was well over XXXX  days before reporting. At time of reporting, I was then charged trailing interest of {$140.00}. I called the company on XX/XX/year> to verify why I was charged interest on an account with a XXXX balance, and he confirmed that it was an interest charge. After telling him that mathematically that didn't make sense, he then told me it was a finance charge. After reviewing my statement, there is no documentation of additional fees. It is documented as an interest charge. I do not think they can charge interest on an account that was paid in full before the statement period was closed.
Product: Debt collection

They are charging for having a gym membership when I had stop paying for it since I got a new card and they still have the audacity to keep charging me and now I dont even have money and they want me to pay something I never told them to do and I called them saying Im not funna pay and they just hanged up on me its been like half a year since I had stop going to the gym whole time I been getting charge smh
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report at the end of XX/XX/2021, I noticed there were several inconsistencies with my account with Mercedes Benz Financial Services. On XX/XX/2021, I sent a direct dispute to the company to discuss these challenging the accuracy and integrity of the information to no avail. I do not agree with their actions and continuation of reporting these inconsistencies. During this process I have been declined credit and my credit worthiness has been compromised immensely. 

12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Called synchrony Lowes customer service XXXX -- > transferred to XXXX -- > I told them I would like to pay the debt that is being reported on my credit -- > was told debt cant be paid as the debt was written off and the balance forgiven -- > I asked for documentation of this -- > was told that only a 1099-C could be given -- > I agreed to them mailing me the 1099-C -- > 1099-C received -- > dispute was started with XXXX XXXX XX/XX/XXXX -- > dispute was resolved no change was made as synchrony Lowes stated information was correct ( according to the dispute ) -- > called both synchrony Lowes and XXXX XXXX -- > synchrony Lowes stated that they let the Credit Bureau know the debt was forgiven -- > All three Bureaus stated that the account was owing and delinquent XX/XX/XXXX -- > started another dispute XXXX XXXX -- > called both synchrony Lowes and XXXX XXXX -- > synchrony Lowes stated that they let the Credit Bureau know the debt was forgiven -- > All three Bureaus stated that the account was owing and delinquent XX/XX/XXXX -- > called the ( XXXX ) XXXX instead of going to the recovery team was routed to the collection agency XXXX XXXX XXXX -- > called multiple times same issue -- > called XXXX XXXX did a three-way the rep heard and state he was start a dispute for incorrect information -- > got frustrated and stop calling XX/XX/XXXX -- > called the Fraud unit of Synchrony Lowes Credit Card was internal transferred -- > Rep stated that they could only send 1099-C XX/XX/XXXX -- > called XXXX was transferred to recovery after a long while -- > they sated that the would start a dispute on there side no information was given to me so i could track told to call back in XXXX  days XX/XX/XXXX -- > had to call the Fraud unit again to get tranferred i even did a three-way so that the agent could see that i was being routed to another company once i gave my information to the auto machine
Product: Checking or savings account

This is my second continued attempt to file a complaint against Bank of America for Bank of America for repeated violation of the H.R.5198 -  Overdraft Protection Act of 2016, through unfair practices related to the marketing and provision of overdraft coverage on my account. Specifically, Provision ( a ) PROHIBITIONS, clearly states - No depository institution may engage in acts or practices in connection with the marketing of or the provision of overdraft coverage that are unfair, deceptive, or designed to evade the provisions of 12 this section. 

Since XX/XX/XXXX I have made repeated attempts to contact BOA when transfer fees were being taken out of my account ( documented below ) because I had previously had free overdraft protection which waived the {$12.00} fee. This free protection was unknowingly removed from my account because my account changed the previous year and I was not notified that the account would begin charging. When I reached out to BOA to solve the fees, I REPEATEDLY asked them to provide me with an account that would decline my purchases when there was insufficient funds rather than charge me an overdraft fee. 

MY COMPLAINT EXPLICITLY STATES THAT THE VIOLATION IS THAT I REPEATEDLY ASK FOR A NEW ACCOUNT AND WAS TOLD no such option was available to me and that I had to continue with the account that I had and collect fees. However, on XX/XX/XXXX I was told that there was an option to change my account so that no charges incurred. 

Provision ( b ) also clearly states - that MARKETING DISCLOSURES.Each depository 14 institution that provides or offers to provide overdraft coverage with respect to transaction accounts held at that depository institution shall clearly and conspicuously disclose in all marketing materials for such overdraft coverage This is in clear violation of the act - withholding information that would have allowed me to have an account more accessible to my needs and avoid all further fees. 

I have documented records of calls to Bank of America attached below on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - 3 times On XX/XX/XXXX, I received notice from XXXX XXXX / Resolution Specialist Bank of America Regulatory Complaints Office : XXXX ext XXXX - that my complaint was denied because bank of america had sent me written notifications. HOWEVER my complaint against BOA was that specifically stated that I made repeated phone calls asking for a new account and they would not give it to me and that they were in violation then. When I asked Mr. XXXX if he had found in his investigation that I had in fact called repeatedly and asked for a new account he refused to answer and terminated the call. This is gross misconduct. 

I will subpeona the records of the phone calls, proving that I had asked repeatedly for a new account that would help me to remedy the fee situation and was not offered the appropriate account. 

I am asking only for I am asking for a refund of the {$790.00} in fees since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX line of credit account by a settlement amount offered to me by XXXX XXXX on XX/XX/2023 in the amount of {$240.00}. it was paid in time with the time limit they offered me. Payment was made through XXXX XXXX XXXX XXXX. I received a letter in the mail from XXXX saying my account was paid and resolved and I still have a copy of the letter. On my credit report the account shows being paid and closed. My credit score has not been updated and when I dispute this with the credit union, they say the information they have is accurate and that's not correct. I have disputed this two times now and get the same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXXXXXX {$13000.00} XXXX  XXXX {$300.00} XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$8500.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$1200.00}
Product: Mortgage

I have been assigned a single point of contact with Bank of America. XXXX XXXX is the assigned contact. I have left XXXX voice mails and sent daily emails for the last 41 days without a response. I received multiple letters on XXXX XXXX from Bank of America that I was approved for a loan modification and also that I have received only XXXX modification. They are attempting to mislead me and not provide me with the loan medication they promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all activity which is incorrect. 
Equifax : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX EQUIFAX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX 
( XXXX ) XXXX EQUIFAX XXXX : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX 
( XXXX ) XXXX EQUIFAX Inquiry : XXXX XXXX, XXXX XXXX : XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Miscellaneous ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Miscellaneous ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance