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

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

Account name : 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: Checking or savings account

After my previous complaint regarding my CD maturing and the wire not promptly sent out by Goldman Sachs with accurate account information, I learned yesterday XX/XX/23, that without notification to me, or online banking, or through the mail, Goldman Sachs reversed my wire and created a new CD. Did not notify me. When continuous calls were made by both myself and the receiving institution regarding the wire, Goldman Sachs finally wire the funds on XX/XX/23. However without any notification, for their admitted error, they withheld a penalty of {$830.00} for " early withdrawal of a CD ''. A CD that I never created. As of my phone conversation today XX/XX/23 I am waiting for my issue to be reviewed in the " que '' and consideration for my " penalty charge '' to be reviewed. I didn't have a CD. My prior CD renewed on XX/XX/23 with closure and wiring instruction. On XX/XX/23 when this didn't happen, new and complete wiring instructions were given to both my savings and my CD. On XX/XX/23 my savings was sent $ XXXX however the $ XXXX was not. It took call after call and finally my CD was wired on XX/XX/23 {$830.00} less. No explanation, no statement, no pending account information, no history of interest accruing while being held at institution. Absolutely no customer activity available for me to see online. I am still waiting on a Supervisor or manager phone call. No ability to escalate. {$830.00} in FEES for a Goldman Sachs reoccurring error.
Product: Credit reporting or other personal consumer reports

I contacted Equifax on behalf of my credit file merging with someone else 's credit file. I contacted them around XX/XX/XXXX and again in XX/XX/XXXX. In Both times I contacted Equifax I have undergone an extensive identification process by answering security questions, spelling the correct spelling of my name, and also sending in verified bills, driver 's license, and social security card. On the phone each time I contacted Equifax, I was told that the information was either requested to be removed or removed from my file. I asked Equifax to send a corrected Credit Report to my home address which I never received. About 30-60 days later around XXXX or XXXX of XXXX, I tried to pull my credit file via online at XXXX XXXX XXXXXXXX , Upon inserting my information to check the updated information on my credit file. I was unable to obtain my credit report and advised me to contact Equifax. On XX/XX/XXXX I reached out to Equifax via phone to verify myself via Drivers License and photo evaluation verification and was told the same information was still showing on the credit file, Again I disputed the information throughout the waiting process I was not contacted by Equifax no updated credit report was sent and I still had no access to pulling credit report from Equifax and either XXXX or XXXX. On XX/XX/XXXX I contacted Equifax via phone and spoke to yet another representative verifying myself as such, my Drivers License and picture verification process where the representative stated she saw in the system where I sent in the proof of identity and requested the merged name be removed from credit file and request to update the name on my credit file. She confirmed bill and social security card were in the system yet she could not update the address or remove/ dispute any other items on the credit file until I sent yet another bill/ proof of address i asked to speak to a supervisor and the telephone line was disconnected. 

I am very irritated and frustrated I have XXXX children and this circumstance is causing severe hardship i have done all I can do on my part by providing Equifax with all the information requested so this issue can be fixed and yet has to be fixed. Per FCRA Equifax has violated the Fair Credit Reporting Act by mixing my credit file with someone else 's, refusing my rights as a victim by not updating the inaccurate information on the credit file, still reporting wrong and misleading information on my report, and failing to correct or remove errors.
Product: Credit reporting

I 'm am trying to clean up my credit, during this process I noticed an entry from XXXX XXXX. XXXX bought an old note for a XXXX mortgage on a property that was foreclosure on my a sheriffs writ. It has been over 6 years since the foreclosure and XXXX XXXX nor anyone else has sued me for this mortgage thus the statue of limitations on contracts has expired. The eliminates any right for green tree to try to collect this debt. I do understand that they can keep reporting this on my credit report for 7 years but they are stating the account open and owing 15 thousand dollars. They are reporting it incorrectly. Any major purchase will be denied because they have me owing them money on a second mortgage that was foreclosed on and is no longer mine. this XXXX mortgage was signed for on XXXX and the official deed was transferred via sheriffs writ on XXXX. I have attached a copy of the deed transferee as proof. I have never heard from XXXX XXXX on this mortgage and they have never reported it on my credit report ever until recently XXXX. They have never made any contact with me on this issue until 6 years after foreclosure. I need this taken off or reported correctly as not owing this money. I have also enclosed a copy of the letter to XXXX XXXX which has shown absolutely no response. Lastly I contacted Transunion, XXXX and XXXX to dispute it they now show this entry nor the account number ( both in the letter attached ) is no longer reporting this. My creditor has a copy of my credit report that does show the entry. I have spoken to green tree and they will not report it any other way than open and default of 15 thousand dollars even though they have no legal right to do so.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally express my dissatisfaction with the lack of transparency and misleading information provided during my purchase of solar panels and a new HVAC system through your company. 

When I signed the agreement, I was explicitly informed that the total cost of the system would be {$17000.00} with no payments required during the first year and 0 % APR FOR THE FIRST YEAR. However, my account recently went 30 days past due because I missed a {$15.00} payment, and when I contacted your office to inquire about my total balance, I was shocked to learn that it amounts to {$70000.00}! I was told there would be rebates to apply to my loan from my state to bring my payment down and there are none available. There are only tax credits!! 

This is not the price I agreed to when I signed the statement, and it is an egregious departure from the terms I was led to believe were in place. At no point was I made aware of such a drastic discrepancy, and had I known, I would never have proceeded with this agreement. 

I believe this situation is the result of either poor communication or intentional misrepresentation, both of which are unacceptable. I request an immediate explanation of how this figure was calculated and why the terms I was given at the time of signing are not being honored. Additionally, I demand a review of the contract and resolution of this issue to reflect the agreed-upon terms of {$17000.00} for the system, as this is what I was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 After checking my credit report, I noticed a collection placed by Credit Control ( XXXX XXXX XXXX XXXX ) in the amount of $ XXXX was not aware of this bill, and to be just placed on my credit report is unethical and actionable. 

I, the consumer have a right to request VALIDATION on this debt. 
That right was taken from me, when Credit Control skipped the process and put on my Credit Report.

I need this debt Validated, To include the original debt, itemization of this debt- to include dates and services. I will search my records and see what was covered by insurance. 

I am disputing this inaccurate and erroneus reporting, this is a violation of the Fair Debt Reporting Act.  Not to mention Violation of HIPPA-signatures, and releasing my health information for other parties to publish, I am requesting my records immediately. 

Please provide all the above information, AND remove this debt from ALL my reports. 

Send My Information To The PROPER and CORRECT address for me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I intend to get the bottom of this matter and take the proper channels to get results. 

XXXX XXXX Soc.Sec # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Checking or savings account

I paid a personal check into my bank of america checking account on XX/XX/2017 for {$2100.00}. This check was from a trusted account and I pay in two checks per month from that account for various amounts - never had a problem, nothing has ever bounced. Their account and my account are in good standing. So imagine my shock to see on the receipt that an 'extended ' hold had been placed on my deposit for THIRTEEN DAYS. Almost two weeks! And no standard {$200.00} available allowance given. Nothing. So I called the bank and was told that there was nothing they could do until the overnight processing had happened and they had a picture of the check, so I should call back the next day. 
I called back the next day and was told that that information was incorrect and in fact there was no way to get access to my money before then. It was essentially being held ransom for two weeks.
I of course asked why, I was told that due to many fraudulent checks being paid in to Bank of America, they had decided to change their policy. 
So - two questions for you Bank of America : 1 ) If you changed your policy so significantly why did n't you let your customers know? A heads up would have been nice. I would never have paid that check in if I knew it would take more than 2-3 days to clear. 2 ) Why is my account, with zero bounced checks, and me a long standing customer of this bank, being punished for what is going on in other people 's financial lives? Surely this should be on an account to account basis? 
So now I 'm left without my {$2100.00}, I 'll likely be late on my rent and receive a whopping fine, not to mention other bills due on or after XXXX XXXX that I 'll now not have the money for. I expect reimbursement for these fines caused by Bank of America 's shoddy service and I want my money released ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB= complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$3300.00} XXXX XXXXXXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXXXXXX Balance Owed : {$54.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan

I borrowed XXXX dollars about XX/XX/XXXX from Cashnet.com. I told them I do not get paid until the XXXX of each month on my social security XXXX .They called me after less than a week to get paid then I filed for an extension when they said the loan was due on XX/XX/XXXX. Then when I paid them today-XX/XX/XXXX they charged me over XXXX. This is price gouging. I sent them a complaint and when I called them today after they were paid they would not speak to me but kept me on hold for along long time so I hung up. Is this legal? My account number is XXXX
Product: Consumer Loan

On yesterday, Saturday XXXX XXXX, 2015, I received in the mail a XXXX XXXX XXXX XXXX XXXX XXXX statement dated, XXXX XXXX, 2015 in the total amount of {$1200.00} ( Creditor LVNV Funding LLC ; Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I AM DISPUTING, this claim. On or about 7 or 8 year 's ago, I paid this account off ( after, it was charged off ). I am DISPUTING, the amount of the monies claimed by LVNV Funding. I have previously, DISPUTED THIS ACCOUNT ( S ) with XXXX, XXXX and XXXX. This account by LVNV is old and was charged off XXXX year 's ago. I will fax all supporting documentation to CFPB for the purpose of this filed complaint. LVNV Funding, is NOT authorized to use any of my personal or confidential information. According to Fair Credit Reporting Act, it is illegal to request more monies than what is owed. Again, I am timely DISPUTING, the XXXX XXXX account.
Product: Mortgage

I am trying to buy a foreclosed house from a Popular Bank ( Banco Popular de Puerto Rico ( XXXX XXXX XXXX but they are doing internal auctions, increasing the value of the properties and keeping the extra profits, often with cash sales.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXXXXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance
Product: Debt collection

Subject : Formal Dispute of Inaccurate Late Payment Reporting under the FCRA Dear : XXXX credit report I am writing to formally dispute inaccurate and incomplete information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified errors associated with the account : Creditor Name : COMENITYBANK/VICTORIA Account XXXX : XXXX The reported late payments XX/XX/year> are either inaccurate, unverifiable, or do not comply with the legal requirements under the FCRA. Specifically, the inconsistencies in reporting include : Discrepancies in the reported late payments between different bureaus. This inconsistency suggests errors or unreliable reporting that must be corrected. 
Failure to properly verify the accuracy of the late payment data before reporting. Under 15 U.S. Code 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy of consumer reports.

The reporting may not comply with the proper verification and dispute resolution process required under 15 U.S. Code 1681i.

As this information is damaging to my creditworthiness, I demand an immediate reinvestigation under the FCRA and request the following action : Remove or correct the inaccurate late payments to reflect a current positive standing. 
Provide written confirmation of the deletion or correction within 30 days as required by law. 
Failure to correct this inaccurate reporting may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Enclosed, I have attached a copy of my credit report highlighting the disputed items for your reference. Please investigate this matter promptly and provide me with the results of your investigation. 

I expect a written response within 30 days of your receipt of this letter, as per the FCRA guidelines. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have had issues with First Progress sending me statements. This issue dates back at least 18 months. This has caused two issues ( described below ). 
1. They have reported missed payments against my credit score in the past. I reached a supposed resolution with a customer service agent in their company who told me to fill out a form that i think is called the Goodwill Letter and mail it in to the credit card company. I was told that with my other good payments that they would go back to the few missed payments and erase that off of credit file, thus removing the negative remark on my credit. I mailed these papers to them 4-5 months ago and they still have not reached out to me OR removed the negative remarks on my credit. 
2. I was recently ( last 30 days ) given another negative remark on my credit for missing a payment. I have not been using the card to purchase anything so i knew i wouldn't have a balance to pay. I was doing this because i am still NOT receiving bills from them letting me know what my balance is. I can only speculate that the amount due is an admin charge ( i am speculating because i can not get in touch of them, see below ). I would love to be informed on what i owe, but they aren't sending me my bills and they aren't ' answering their phones and now they are damaging my credit that I have been repairing for the last two years. 
3. They aren't answering my calls. I have called First Progress once a day every Monday, Tuesday, Wednesday, Thursday, and Friday since XX/XX/XXXX at different times each day. Each time i call i am greeted with a recording that tells me that their call volume is high right now due to COVID they have less employees available. Unfortunately, the option to stay on hold and wait is not available as the automated system hangs up on me automatically after delivering the automated message. I understand COVID is a concern right now, at the same time i can't get ahold of anyone to help me resolve my issues or even shed any light on them. 

I want all of my negative remarks from this company on all three of my bureaus removed immediately. I want to pay them what i owe them so long as these are justified charges. After all of this i want to cancel my card with this company. I can no longer trust them to treat me correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXXXXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$6300.00} XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or delete the following items in my file immediately : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX