23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Great American finance is trying to collect more than {$5000.00} from an account opened online at XXXX XXXX 's back in XX/XX/2022, delivered to an address that is not mine or related to me in any form, I have not opened this account neither have bought nothing in the pass from this retailer, I have filed a police report incident for fraud and identity theft. I filed a dispute on my XXXX account.
Product: Mortgage

This is a summary and a full complaint was sent to the Consumer Finance Protection Bureau from the State of Ohio Office of Financial Protection on XX/XX/2022. It has been over a month and I have not been contacted yet by anyone at CFPB. 
I filed a complaint with 5/3rd bank on the several issues with their online process and with the mortgage lender not assisting when he stated that he would. I was quoted multiple rates and The payment was not processed through the online system. I tried multiple times to get help through customer service up to a Vice President XXXX XXXX and still did not receive a response. This has now cost me thousands of dollars in additional interest and lost revenue from the other properties that were to be refinanced through 5/3rd. There is a complete email track, and 5/3rd has voice recordings as well as the records for the online portal. I want the rate that we were quoted for our Primary and Secondary Investment properties. The VP XXXX XXXX called me and we spoke and had emails that when 5/3rd discovered they were at fault they stopped returning my emails and phone calls. They " Ghosted '' me. This is not acceptable. We have been a bank and mortage customer with 5/3rd for over 20 years.
Product: Consumer Loan

As a Wells Fargo checking, savings and auto loan account customer, I was repeatedly solicited to open a secured credit card account. In XX/XX/XXXX, I placed {$6000.00} collateral into a Wells Fargo account and used it for a few months. On XX/XX/XXXX, I paid the outstanding balance of {$5900.00} in full and called Credit Card Customer Service at XXXX to confirm that that the account was paid off. I was informed on a recorded line that my collateral deposit would be transferred into my Wells Fargo checking account within 6 weeks. On XXXX XXXX, I still had not received it, so I called same number and spoke with supervisor XXXX XXXX on a recorded line. She did not know why it had not been transferred yet, but assured me the funds would be available in my checking account by Fri XXXX XXXX or I should call her again. On XXXX XXXX, the funds were not there, and at it was exactly 6 weeks since pay off. I left her XXXX voicemails which were not returned. I then spoke with supervisor XXXX, extension XXXX who informed me that the funds were not released until XXXX put the order in on XXXX XXXX! She also informed me that even though this was Wells Fargo 's mistake, it could be ANOTHER 30 DAYS ( from XXXX ) for the funds to arrive! XXXX also suggested that I should " call every day '' to check on the wire as if I have time for such a thing! None of this was my mistake and I 'm being penalized for their incompetence!
Product: Debt collection

My husband and I had a loan with Lending Club which charged off around XXXX of XXXX. I contacted Lending Club in XXXX of XXXX to make arrangements to resume payment. I was advised that the debt had not yet been sold and that I could resume making payments. I resumed the loan with a payment in the amount of {$1700.00} on XX/XX/XXXX. I began a subsequent monthly payment schedule for the next 6 months at the amount of my original payment which was {$280.00}. I made these payments starting on XX/XX/XXXX until XX/XX/XXXX. When I set up the payment plan, I asked if I could schedule additional payments. I was informed that they could only schedule 6 payments at a time. I called back at the end of XXXX or early XXXX and scheduled a payment in the amount of {$560.00} which was paid on XX/XX/XXXX. I called back on XX/XX/XXXX and schedule a payment for the remaining balance which was in the amount of {$2300.00}. The payment was processed on my account on XX/XX/XXXX. At this time, the loan was paid in full. At the end of XX/XX/XXXX, I began receiving calls from a collection agency called XXXX XXXX XXXX XXXX XXXX. I advised them that the debt they were calling in reference to had been paid. The representative informed me that it had not been paid and maybe I had another loan. At the time, I reached out to Lending Club to try to figure out what was going on. The representative told me that I needed to speak with the collection agency regarding my issue. I advised the representative that the problem was that I had paid this loan off with Lending Club and that it was sold to a collection agency months after the payment was made. The representative acknowledged that she saw the payment, but insisted that there was nothing she could do. When I asked how I could go about disputing the information, she told me that they did not have a dispute process. I requested to speak with a manager and she stated that there was no manager available because she was working from home. She advise me that she would have a manager call me. I never received that call. After I spoke with Lending Club, I contacted the collection agency to see how I could dispute the item with them. The representative informed me that they do not have a dispute process. He advised me that the best they could do is not contact me, but that would not mean I did not owe them the debt. I subsequently received a notice from them with my loan agreement attached. I have also tried disputing this account 2 times with the credit bureaus and still Lending Club is refusing to correct the mistake. While I admit that the initial failure was mine, I did everything in my power to remedy the issue and make Lending Club whole. I am just asking for the same courtesy. I have been trying to get this matter resolved for 4 months with no success and an apparent unwillingness from Lending Club to correct their error.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Bank account or service

I checked my business banking account this morning XXXX/XXXX/17 and noticed it was assessed an overdraft fee of {$35.00}. I had {$5.00} in my account and it shows that a transaction for {$6.00} is pending. I called customer service to let them know I will put the money in the account to cover the {$6.00} transaction before it posts as cleared. I also asked them to waive the overdraft fee as a courtesy since the transaction has not yet posted. I spoke to two representatives today XXXX/XXXX/17, neither of which were able to assist me. I asked for a supervisor and was placed on hold by a representative. She came back and said she had a manager on the line, but, he refused to take my call, so she would try again and placed me back on hold. My being Shocked is an understatement. She has since left me on hold. I have been on hold for more than 25 mins as I type this complaint from my smart phone. 

The overdraft fee shows that is has posted and cleared yesterday XXXX/XXXX/17, but the actual transaction is still in the pending status. This means I was assesed a fee before the transaction cleared. I should still have time to put the {$1.00} into my account to cover the {$6.00} transaction without incurring a {$35.00} fee. Total call time is now 45 minutes, and I am still on hold as I type this complaint.
Product: Debt collection

They have confirmed a debt to XXXX which XXXX confirms that they received a copy of the equipment return. I contacted XXXX who provided a number that says it is not in service. I called a number I found under a XXXX Search for the company and it rings and provides no message or ability to leave a message. I would like this removed off of my credit report
Product: Debt collection

This debt does not belong to anyone in this household. I assume it is connected to this phone number because we have had the number for less than a year. This company called Convergent calls multiple times a day and doesn't listen when we tell them they have the wrong number.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX. XXXX XXXX... .Account number XXXX XXXX ... Account number 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 an 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 conviction 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 reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit card

I posted with my banks online bill pay my XXXX payment due XX/XX/year> to post on XX/XX/year>. I have the confirmation that Comenity Capital Bank recieved the payment on time from my bank. However when I called customer service when I noticed the payment had not posted. So went on Comenity 's direct site and posted another payment. The banks website showed a mess up on my online which I explained to the customer service agent. That she saw XXXX different bank account numbers and different posting dates. Yet the XXXX payment had not been posted. So she put in the lost payment inquiry. With no response the payment magically was found and processed after I had sent multiple messages that I had my bank put a stop payment since it showed received by the bank and then lost. I asked them to NOT process the payment since I had made an additional payment to cover it. I have never been late on this account. I asked for the late fee which was their error to be credited. NO I was told. Then they did process the magically lost payment that they said they didn't receive. So then they charged me a Return Fee.

I asked for that to be credited. The reply was they have closed this inquire and no further response. In addition they didn't email my XXXX statement. I feel like they want me to miss a payment so they can charge more fees and try to report a negative on my credit report. I have recieved XXXX calls from the bank to resolve my concerns. This error was completely on their end. However I the customer is paying the price of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 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, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I submitted a Billing dispute to the legal Council at Consumer Portfolio Services on XX/XX/XXXX and didnt get a Proper response i requested until today even when i speaking to them on the phone the multiple times they were saying these stressful things ive always INTENDED to pay for debt i ACTUALLY OWE but they just said this WITHOUT SENDING the documents i had requested i just got threats of getting sent to loss prevention i had to look up what that even meant i THOUGHT it was to help me but ive learned its not I wanted to fix this issues but all they have done is give A LATE PAYMENT on my CREDIT REPORT and send me MORE Statements which THEY WERE NOT SUPPOSED TO DO until this was cleared up or are they immune to FEDERAL LAW? Im under the understand that ALL people are created equal and are subject to FEDERAL laws statutes and codes which they did NOT follow and now i have this on my credit report which is further ruining my life this was NOT supposd to happen I was suppose to get the verification i had requested but that never happened!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to have a true validation that this account that is being reported belongs to me according to the letter attached
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my XXXX XXXX, and 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 : ( XXXX ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates. 

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by TransUnion is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my XXXX XXXX Report that must be removed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an XXXX report, If XXXX, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last payment to XXXX was in XX/XX/2010 for account # XXXX. This account should be deleted because of it's age. It also appears 3 times instead of once. I only signed up for one loan. 

The accounts are then again reported a second time on my credit report under XXXX 's guarantor XX/XX/XXXX which gives the impression that I defaulted twice and owed twice the amount of debt i ever borrowed. 

I just spoke to XXXX at XXXX who was a supervisor ( ID XXXX ). He stated that XXXX never was able to reach me via phone once the account came to their office 4 years after my last payment. XXXX confirmed that XXXX never sent anything by certified mail and that they where contacting me at an address I had 13 years ago. They where not able to reach me by email or phone either. 

The loan was consolidate through another provider as I felt XXXX to be unethical, unprofessional, and incompetent. ( clearly nothing has changed ) There are multiple lawyers who say I can be part of a class action lawsuit against XXXX. I have submitted dispute and had XXXX remove these accounts. They still remain on Experian and XXXX. They are paid in full and too old to be on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account through XXXX Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please help
Product: Debt collection

I have not recieved any documentation from Sunrise Credit Services. Now I am requestion documentation be provided to me that will be attached to this complaint. Please see attached below.
Product: Mortgage

I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. 
XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax, one of the credit reporting bureaus, does not allow multi factor identification on an account used to place security freezes. They sell XXXX XXXX, but don't allow this significant security step on something that's incredibly important.
Product: Checking or savings account

XXXX switched to a new website on the weekend of XXXX XXXX. 

The first problem I had with this transition was that XXXX set a temporary password on my account for the new website. This temporary password was the last XXXX of my XXXX. Not an acceptable level of security. 

The second problem I had with this transition was that I receievd notification of the transition too late to log in to the old website and get the statements I had not yet downloaded. I figured this would not be a problem because I could download them from the new website. This is not the case. They did not move statements to the new system. 

I sent an email on the new website to request the statements, but never received a response. I then called on XXXX/XXXX/XXXX at XXXX. I spoke to a woman but did not get her name. She said that I would need to pay XXXX per statement because they had all been archived. She also said she would not be able to help me with this. 

I later called again at XXXX on the same day. I spoke with a XXXX. He said that I needed to send an email on the website to get my statements. I explained to him that I had already done this. I sent a second request after the call. 

The third issue I had with the transition is that there is no option for closing the account. I mentioned this to XXXX when I was on the phone with him. He mentioned that if I send and email that I want to close the account and withdraw all the money I will not be charged any fees. There is no verification of this that I can find, so I am concerned that they will charge me a fee.