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

See Attached. Equifax has violated my rights under the FCRA by willfully being noncompliant to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not following procedures to follow maximum possible accuracy when preparing a consumer report. On the XXXX Account Number XXXX XXXX, you can see there was no adequate investigation performed. In the payment history section from XX/XX/XXXX to XX/XX/XXXX CO for charge off is being reported as a payment each month. This is a charged off account meaning it is closed because the debt was cancelled so how can there be an update to the payment history each month? It says the date of last payment is XX/XX/XXXX but if you look at the payment history it has XX/XX/XXXX marked as XXXX  days late but how can it be XXXX  days late if a payment was made? in XX/XX/XXXX and XX/XX/XXXX they both say XXXX  days late but it's impossible to be XXXX  days late XXXX months in a row. In XXXX XXXX, XXXX, and XXXX all say XXXX  days late but how can it accurately report XXXX  days late XXXX months in a row on my report? It says delinquency first reported is XX/XX/XXXX but how can that be if the first negative remark is XXXX  days late on XX/XX/XXXX? Also how can the date of first delinquency be XX/XX/XXXX if a payment was made that day and also the first delinquency is shown as XX/XX/XXXX? Under 15 U.S. Code 1681 ( a ) ( 1 ) congress made the finding that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I've pointed out all these inaccuracies after Equifax 's Investigation yet they still reported back the account as updated and verified which goes directly against each law I have mentioned in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately across all three credit bureaus. This is a violation of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Blockfi has blocked all transactions and I can't receive my digital money from my digital wallet.
Product: Vehicle loan or lease

XXXX advertised financing at 2.99 % for 60 months. On XX/XX/year> I submitted a credit application under those terms to Hyundai Motor Finance as a co-signer for a loan for my son to purchase a new XXXX vehicle My son is finishing school and does not have a work history or a job, which is the reason I was a co-signer. .Because the loan was denied, I applied for a loan with XXXX XX/XX/XXXXXXXX XXXX XXXX as a co-signer for a loan at 5.99 % financing for 60 months which was approved. I called the phone number in the denial of credit notice from Hyundai Motor Finance dated XX/XX/year> and was advised that the loan was denied because my son did not currently have any income, even though their notice confirms that I have an XXXX XXXX XXXX. 
The advertising of 2.99 % financing for 60 months by Hyundai Motor Finance was fraudulent required that we post a larger down payment to reduce monthly payments and has caused me to incur additional interest expense.
Product: Credit reporting or other personal consumer reports

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Product: Credit reporting

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.
Product: Student loan

We want to pay more than our monthly balance to Wells Fargo so that we can pay it off quicker. They do not give you an option to do that online like they use to. They make you call and jump through hoops in order to do it. Its clearly a strategy to make it hard for people to pay off their student loans quicker so they can make as much money as possible off the interest. On months that we have a little extra money I want to pay more than my monthly balance. They know that if people are busy they will not call to do it. They use to give consumers the ability to pay more online and took that ability away over the past year. 
Please address this issue with Wells Fargo ... .. its seems to be a common theme with them.
Product: Debt collection

PHOENIX RECOVERY GROUP out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has falsely claimed that I owe a debt in which I did not accrue. Additionally they have reported to the 3 credit bureaus that I have missed late payments with them. This fraudulent claim has dropped my score from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit report from XXXX. XXXX  worked. However, XXXX  and Equifax do not honor my request even if I am answering the questions correctly. I have called their number many times but was never able to get through to a real person and the automated system was not able to identify me. I have also gone to their website directly to order my free report and that did not work as well. Also, given Equifax is a breached, insecure and unethical entity I hesitate to mail them a copy of my SSN and driver 's license etc. I have locked my credit with all three credit bureaus. I am merely interested in getting my free credit report.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file an extensive complaint against Bank of America for their unacceptable handling of a dispute regarding a debt of {$3600.00} XXXX strongly believe that Bank of America has violated my consumer rights by frivolously claiming the debt to be valid without proper investigation and accuracy. 

I am extremely disappointed with the way Bank of America has handled my dispute. During the initial investigation, I was not given the opportunity to provide my side of the story and deny the information that was presented to them. To make matters worse, Bank of America never even asked if my mobile device was stolen or if any other Apple products connected to my icloud account, which also receive messages including texts, were stolen. This is concerning as my iPhone is not the only device that receives text messages. 

As a consumer, I have the right to expect that my financial institution will investigate disputes in a fair and impartial manner. Bank of America has failed to exercise their grave responsibility to ensure the accuracy of information and investigate my dispute with fairness and impartiality. Their actions have caused me immense stress and financial hardship, and I demand that they rectify this situation immediately. 

I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take necessary actions to hold Bank of America accountable for their actions. Additionally, I respectfully request that Bank of America be instructed to reopen my claim ID # XXXX and investigate my dispute with the fairness and impartiality that it deserves. 

I HAVE PROVIDED DOCUMENTATION AND PROOF FROM MY ICLOUD ACCOUNT THAT THE DEVICE WAS STOLEN AND ERASED FROM MY ICLOUD ACCOUNT TO PREVENT FURTHER IDENTITY THEFT AND FRAUDULENT AND UNAUTHORIZED TRANSACTIONS. PDF ALSO SHOWS EMAIL ASSOCIATED WITH BANK OF AMERICA AND ICLOUD ACCOUNT TO PROVE THAT THE DEVICE DID BELONG TO ME. 

Thank you for your time and consideration.
Product: Debt collection

I am not liable for any debt with CAINE & WEINER. I did not and do not have any business with CAINE & WEINER. I do not have a contract with CAINE & WEINER and they have not provided a original contract as I requested. 
This company is violating my consumer right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Mortgage

Amerisave is my mortgage company and servicer as of XX/XX/XXXX when I refinanced. It failed to pay my hazard insurance policy semi-annual premium of {$670.00} requested by XXXX XXXX. XXXX XXXX indicates that it billed Amerisave for mortgage insurance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In early XXXX, I received notice that subservicing was transferred and I had a new loan number. I called up the insurance company and provided the new subservicer and new loan number. I called the Amerisave number and employee indicated premium would be paid. On XX/XX/XXXX, the insurer billed XXXX. I left to messages on Amerisave secured mail site to no avail. In XXXX, I received notice of cancelation of policy from XXXX XXXX. I called up Amerisave and made them call XXXX XXXX. XXXX XXXX said it refused to reinstate policy even if amount due was paid immediately. 

I then obtained a new policy from XXXX ( through XXXX  ) with an annual premium of {$880.00} ( {$210.00} more ). I also was charged {$200.00} for partial period of insurance with XXXX XXXX that I have paid out of pocket. I also received a letter from Amerisave ironically telling me that they knew that my policy had been canceled and I was required to have a policy in place. 

The {$880.00} was paid from escrow for XXXX 's policy in XXXX, upon information and belief, by sub-servicer XXXX. 

In XXXX, I spoke to supervisor of insurance dept. of XXXX ( XXXX ) to request relief for increased premium due to failure to pay. He indicated that XXXX only received sub-servicing in XXXX and that blame laid with Amerisave, not XXXX. He provided me a number to call at Amerisave and he gave me old loan number to provide ( XXXX option XXXX ). XXXX did not offer to reimburse me {$200.00} premium due XXXX XXXX out of my escrow account for original hazard insurance policy. 

I called and did not receive a live employee. I left a message for Amerisave about the situation. I never received a call back.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$82.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We set up a new business checking account and deposited money. Several weeks later we wrote a check to a vendor. 

Bank of America returned the check. There were sufficient funds. We had no idea why the check was returned. 

I spoke to people at the bank three times. I was disconnected the first twXXXX times. I have all the calls recorded, with consent. 

On the first XXXX call I was told that the check was returned because the bnak allegedly sent a notification to me that I needed to respond to, they alleged I didnt respond to it, and thats why BofA returned the check. 

But I never received any notification. I checked on-line and, in the app, and SMS records and there was no notification. 

I wanted more information, so they put me on hold to transfer me to the fraud department. I was eventually disconnected after waiting on hold. 

I called again. 

This person told me that the check wasnt returned because of failure to respond to a notification and would connect me to someone with the fraud department for more information. When she tried to transfer the call, I got disconnected. 

I got a third call from Bank of America when I asked the contact on X to have someone call me again. 

This person told me the reason for the check being rejected was that there was an alert notification I didnt respond to. 

When I log into my account, there is an Alert History. There is no Alert about a check. Why did Bank of America tell me there was an Alert Notification when there wasnt? 

The business who I tried to pay with a check charged me a {$35.00} returned check fee Bank of America needs to refund this {$35.00}. 

Bank of America needs to draft a letter stating that this check was returned due to bank error and wasnt the fault of XXXXXXXX XXXX XXXXXXXX. I want to try to repair my reputation, that Bank of America damaged. 

Bank of America wasted XXXX hour and XXXX minutes of my time on the three phone calls above, and several more hours looking in vain for notification settings that dont exist for when checks are presented to the bank. I still didnt get a good answer on how to prevent this from happening again I want an explanation as to why this check was returned and an assurance that it wont ever happen again. 

I think Bank Of America may have broken the law by not processing this valid, legal check.
Product: Checking or savings account

Discover bank allowed someone to open 5 checking accounts in my name. I received a notice in the mail XX/XX/XXXX for a joint acct with a person name that I never heard of or know in my name. I called discover to dispute this. XX/XX/XXXX I received another notice from Discover from their investigation 5 accounts were opened without my knowledge. How do you allow someone to open five accts in my name!!! I received another notice in XX/XX/XXXX about the accts they said was closed. Discover didnt close the accts that was unauthorized in my name. I asked where was the information being sent, where did these accts get opened, when did these accts get opened and what name was used. Discover couldnt provide that for me. I have alerts on all 3 credit bureaus for identity theft on my acct since XXXX. How did a big company like Discover bank miss the alerts!!
Product: Debt collection

I have contacted XXXX XXXX over this matter and they said to contact police. This debt was not mine it was my ex son inlaws debt through cox this has been going on for 12 years they used my ssi number and put it on my credit report. I don't think its right to go through so many years of being hassled by these people and using my ssi number for their benifits.
Product: Debt collection

I XXXX XXXX have sent AWA Collections a debt validation letter on XX/XX/2023 certified mail ( showing recieved on XX/XX/2023 to AWA Collections ) also the debt was reported on my credit report on XX/XX/2023. I haven't received any response to my debt validation letter current to today 's date XX/XX/2023 from AWA Collections, nor did they notify the credit bureau to update the status to dispute. I would like someone to help me with this issue and want AWA Collections to remove the collection from my credit reports ( all three credit agencies ).
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I have no information about them, and they were done by the company without my approval.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$4500.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Tennessee Bank charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : XXXX XXXX XXXX XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

XXXX  : XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  : XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I paid this at time of service many many years ago. This is a scam and they are trying to get more money from me
Product: Credit card or prepaid card

All known ( XXXX  ) customer service numbers answer but do not allow for any prompts and will eventually hang up. 

There is no online option to make a payment via their web portal. 

At this time i do not know of a way to make a payment.
Product: Debt collection

Since XX/XX/XXXX I've written to National Credit System requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from NCS or debt verification from the bureaus? So it is so just because NCS says it's so? I thought the whole purpose of the law was from them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was contact the creditor. I did that and they didn't answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX