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

I have tried to dispute this account several times I have for this to be removed on several occasions please remove XXXX XXXX XXXX XXXX off my credit report account # XXXX
Product: Credit reporting or other personal consumer reports

Credit karma telling me I have great approval odds and getting denied. Not fair I missed deadline when I just heard about it.
Product: Credit reporting or other personal consumer reports

Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA XXXX XXXX Code XXXX Civil Liability for Willful Noncompliance FCRA XXXX XXXX Code XXXX Civil Liability for Negligent Noncompliance FDCPA XXXX XXXX Code XXXX Civil Liability for Debt Collection Practices Violations
Product: Debt collection

I am XXXX XXXX submitting this complaint against credit management LP and their is no third party involved.

Credit management LP did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( SUNCST CU - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of XXXX XXXX ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( SUNCST CU - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated XXXX XXXX and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I was pre-approved for a {$50000.00} personal loan via XXXXXXXX XXXX website. 

They kept asking for more proof of income. On XX/XX/XXXX I received an adverse action notice from Customers Bank. 

I wrote Customers Bank a notarized letter to the address they provided, stating they are in violation for denying a consumer an extension of their own credit. I also pointed out this is a credit card fraud problem as well, since I gave them my social security number ( credit card ), which they ran but did not provide me any benefit at all. 

I offered them 10 days to either deposit {$50000.00} into the checking account they have on file from my application, or to respond via affidavit with proof of their exemption from consumer protection laws. 

On XX/XX/XXXX I received an email from XXXX simply stating " a XXXX member may reach out to you. '' It's been over 2 weeks and I haven't heard anything since. 

I just checked my XXXX online profile, and it still shows I am denied.
Product: Checking or savings account

I Received an Email from Wells Fargo Promotion to Open and New Account with them and received XXXX Bonus when with opening deposit of XXXX, Qualifying deposit of XXXX from Employer or XXXX, federal government benefits, and keep account In good standing for 90 days to receive the bonus. After the 90 day period I called Wells Fargo customer service to inquire when I would receive the bonus since I meet all of the eligibility requirements, to which was told that I didn't qualify with different excuses after I submitted documents to substantiate my eligibility for this promotion. I called numerous asking for written evidence of when this promotion started which the company has none listed on their website or application and when I call to inquire the representative put me on a very long hold and I believe Wells Fargo has a written narrative on my account to purposely tell any future call center rep to give false information or prevent the release of the real evidence to validate this promotion.
Product: Debt collection

I contacted this company because they appeared on my credit report. I spoke to a representative by the name of XXXX XXXX on XX/XX/XXXX. I explained to her that I had no knowledge of this account. She said it is for a balance at XXXX XXXX. I informed her that I moved on XX/XX/XXXX and the account was placed on me and my son credit report XX/XX/XXXX and we were never contacted. She then started giving me numbers and prices. I informed her I needed it in writing she said it was mailed to the office the debt is originally from. I asked her how was I supposed to know. She was speaking over me and not listening to my concern. I then asked for a supervisor and was told they were all out for lunch I then asked for the manager and was told the same. I informed the representative I will like to dispute the debt because I was unaware of the charges and was never contacted. She told me I can not dispute. These charges has been placed on me and my son credit and we had no knowledge of the debt. The original creditors kept my security deposit in the amount of $ XXXXand also received a payment from XXXX County Housing Authority for more than the 2 days I was in the unit. Per the representative I did not clean the carpet the original creditors remodeled the unit removing carpet and installing hardwood floors. Everything else in the unit was cleaned accordingly
Product: Mortgage

I was included in the lawsuit with green tree mortgage loans and ever time i try to deposit the check it comes back to me. Aka bouncing. 
I believe that i am I tilted to this money that is owed to me.
Product: Payday loan, title loan, or personal loan

I'm a veteran and open a saving and checking account with Navy Credit Union. I also open a money market account. I deposit several thousands and requested to get a personal loan for XXXX. I have excellent credit and no challenges. My debt to ratio is extremely low and have paid all accounts as described. I also have enough income to cover the loan amount. I questioned the desired amount and it was 12k less  then what I asked and I still would need to place 3 % down. I question the amount with phone rep and she turned the conversation around and attempted to stop my interaction by phone or in person with Navy Credit Union. Presently I cant speak with teller at bank or by phone and I have money in Checking and money market account. They refused to allow me to do business with them and I cant enter bank to address anything about my account or by phone. I'm still seeking clarification why my loan requested was denied. Since there no reason for the denial.
Product: Credit card or prepaid card

I'm having problems with my direct Express it was hacked twice this year. The first issue was resolved. The second issue I waited a month to hear that my claim was denied for fraud. The XXXX  would not give me her customer service number but her name is and she was very rude. But all in all they said that I'm responsible for these charges made in XXXX New Jersey I live in Texas, the total charges this time was {$150.00} and a little change. But they did not even contact me while I waited for their decision when the decision was made I had to call them 3 days before the day they said the decision would be made.
Product: Checking or savings account

On XX/XX/scrub> 2024 a fraudulent transaction happened on my XXXX XXXX account. The company responsible for the fraud is XXXX XXXX XXXX. I've never done business with this company. I've never even heard of it until this fraudulent transaction took my savings account money from me. There was no authorization to do this. I've never allowed anyone to log into my account. I have 2-step verification enabled so they should never even have been able to log in to steal my money. I wish to have my money refunded and to press charges to the maximum extent of the law. I am refiling this complaint because I got no help so I filed a report with the FTC and they said to file it here as well.
Product: Debt collection

I have never been to Virginia to get medical care. 
I also have insurance. The company and agency are not responding to my complaints. 
The company is called Credit Control Corp. The agency has put this on my credit report.
Product: Student loan

Every year I receive a letter showing the " interest '' paid to my Student Loan, so I can deduct it from my taxes. This year they did not send the " interest '' letter, so I wrote to them requesting that they send the " interest '' letter. 
What I received instead was a letter threating to garnish my wages in spite of the fact that I 've made on-time payments since XX/XX/XXXX. 
The bills I received were from US DEPT OF ED - XXXX XXXX XXXX - XXXX XXXX XXXX. 
The threating letter was sent from PIONEER CREDIT RECOVERY - XXXX XXXX XXXX - XXXX XXXX. 
I responded by sending a letter showing the payments made through my bank from XX/XX/XXXX-XX/XX/XXXX 
It 's XXXX XXXX, and I still have not received the " interest '' letter. 
I 'm just waiting to see if they garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.
Product: Debt collection

Credit Corps Solutions has been calling me for years. I have repeatably told them to take me off the list of calling me as I am not the person they are looking for and have never had any debt go to collections. I have owned this PHONE NUMBER SINCE XXXXThey called me on XX/XX/20 two times at XXXX XXXX. They say they take me off the list every time but I still receive calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states that I failed to verify my identity and it is false they asked me to mail them a letter with my id and a bill and it was mailed in XXXX and again XX/XX/XXXX. Attached is a copy of the letter and my identity so that they can solve this matter now!
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2020 Square , Inc stated that I have a negative balance on my account, but shows being positive. On XX/XX/2020 a purchase was made and cancelled within minutes ... needing a refund. The funds were never deposited within my account, they intercepted the transaction before it could be posted to my available balance. Square stated it was unable to process the refund because they took the money to satisfy the negative balance. Square never sent me a letter, email, called or posted to my account being negative or what are my options to take of the negative balance. I have taken screenshots showing where my account does not have a negative balance. I spoke to 5 different representatives yesterday with no resolution as to having that refund processed. I even offered if they refund the {$1300.00} I would set up a payment plan by paying {$300.00} of the {$1000.00}, I was told to call back the next day. I have been trying to call them but their system now states that " Customer Service is unavailable. I was also told by another agent that even if I make payment arrangements they will take whatever additional money comes through to satisfy the debt. What is the purpose of setting up a payment plan if they are still going to take money as it comes in? On XX/XX/2020 I received an end of year statement from Square and it did not report any losses only profits. 

I have also filed complaints with the Following : XXXX  case # ID XXXX Texas Attorney General Complaint No : XXXX Federal Trade Commission case # XXXX
Product: Credit card

I have a Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I opened for a status match against XXXX and to take advantage of a 0 % interest rate on balance transfers. 

This past billing cycle, I made a single purchase on the open statement for XXXX XXXXXXXX of {$1600.00}. When I received my bill, there was an interest charge of {$16.00}. 

Here is the breakdown of what was on the XX/XX/XXXX statement for reference : Prior statement balance : {$10000.00} ( offer for 0 % ) Purchases : {$1600.00} Balance + Purchase = {$11000.00} Payment : {$2600.00} ( {$100.00} was the minimum payment due ) New Balance : {$9000.00} + {$16.00} in interest It was my understanding that anything above the minimum payment would be applied towards the higher rate balance. My payment of {$2600.00} covered the entire purchase + some of the existing balance transfer. I was not expecting to be charged interest. 

When I went to Bank of America, I was told that no matter what I charge to the card while maintaining a promotional balance, they will collect interest on any purchase, regardless of payment made. I was also told that any payment above the minimum would go towards the higher rate balance and paying it off each cycle ( which I did ). When inquiring what my purchase balance is currently ( XXXX of XXXX ) I was told I still have {$230.00} that is collecting interest. 

If I'm following the XXXX XXXX XXXX XXXX of BoA : XXXX ) there should not be interest on my account as my payment covered the minimum payment, the entire purchase balance, and an additional amount above the minimum, and Two ) according to BoA, any additional payment above the minimum is applied to the higher rate balance. How is it that I still have a purchase balance on the current open statement cycle that was covered by my last payment made and it's collecting interest daily? It appears they are not following their own XXXX XXXX XXXX XXXX and improperly applying the payments.
Product: Mortgage

I am a homeowner XXXX years old with excellent credit. In a nutshell I was told I qualified for a mortgage if I sold my home as I wanted to change locations. My home sold and then I was told I needed 2 years of income verification '' from the same source ''. I have 45 years of verified income, from various sources. My credit score pushes XXXX. I have very little other debt ( $ XXXX ). The issue seems to be that I sold my business in XXXX 2015 and am receiving monthly payments from that sale, BUT they have only been paid for 5 month, not 2 years. SOOO now I have no home and am told I must wait another 18 months to get a home loan. I add insult to injury I am a XXXX vet. What the XXXX is going on with this country? What can you do to help me own a home?
Product: Credit card

This credit card merchant has reported me late XXXX  times which is not true! Ive never been late XXXX days with this card. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following account listed on my credit report : \n Account Name : Ally Financial Account Number : XXXX Amount : {$15000.00} Account Name : XXXX I am writing to formally request the removal of an account from my credit report as reported by TransUnion XXXX This request is based on the recent deletion of an account by XXXX, XXXX XXXX XXXX. I recently disputed a charge-o for Account Name : XXXX XXXXl Account Number : XXXX Amount : {$15000.00} ; Account Name ; XXXX .. XXXX a thorough investigation, XXXX, XXXX XXXX XXXX has completely removed this unverifiable/Fraudulent account from my report as of XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX and XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX, XXXX and Transunion has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX, XXXX XXXX XXXX XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX, XXXX XXXX XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely
Product: Mortgage

I inherited a condo from my mother after she passed away. Bank of America holds the mortgage on it. In summary, after sending in the executor information multiple times ( I even walked them into a branch and received documentation that they received ). Bank of America continued to say that I had not sent the docs and would not take payments from me as I was " not an approved person to speak to ''. As a result, I not only incurred XXXX of dollars of late fees, but ultimately the loan was put into foreclosure. I was finally able to pay the balance, but in the end have incurred over {$1200.00} of fees because of their incompetence, let alone the hours and hours and hours that I spent trying to rectify this. While I am now received statements and am able to pay the loan, if I call to ask any questions - for example, I 've been trying to set this up for payment on line -- they still insist that they do not have any of my documentation and they ca n't help me. The loan has now been sold to XXXX XXXX, who is saying that they ca n't speak to me because they have no documentation that I am the executor. I am copying you on a letter that I sent to XXXX XXXX, the CEO of Bank of America, both by email as well as in hard copy on multiple occasions, with no response. My ultimate objective is to 1 ) be sure that the banks acknowledge that they have my documents stating that I am an executor and that they can talk to me/take payments from me/set up on line payment with me, and 2 ) receive a refund or credit of the over {$1200.00} in fees I incurred over the course of this process. If I was not as persistent, aggressive, and knowledgeable as I am, I may have lost the condo to foreclosure -- it occurred to me that there could be XXXX if not XXXX of people that would not have been as persistent nor had the knowledge to get something done, and would have unnecessarily lost their home -- this is unacceptable! That combined with the fact that I 've had XXXX response from anyone with the multiple complaint letters and phone calls I 've submitted is truly scary..
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy case number XXXX has violated my rights 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.