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

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Product: Vehicle loan or lease

XXXX XXXX <XXXX> XXXX XXXX ( 4 minutes ago ) to  me I filed a chapter XXXX / the debt inquired about was included in filing. My Discharge was rec by the company on XX/XX/XXXX, however they still stated I owed payments from the course of the bankruptcy filing. I called to resolve the issue, I was told I needed to speak with the Legal department. In addition they told me to send an email to, XXXX XXXX XXXX XXXX replied by email, instructing me to have my attorney call him. I replied by email, asking for a return call. I notice that the bottom of his email, had his direct line and cell phone number. I called his direct line first received a voicemail then called is cell. He admittedly went off, yelling and screaming stating that it was invasion of privacy, he doesn't want to speak to me, he wants to only speak to my attorney. " I quote what did I tell you to do you listen '', I dont have to speak with you, I replied sir I went even know your number unless you sent it to me. You provided me with your contact information at the bottom of your email. First this company ignored the fact that this account was under bankruptcy and refuse to speak with me in regards or to mitigate a resolution in regards to my loan. Attorney refuse to speak with me on any level on a solution. The loan company was notified of the bankruptcy and had an opportunity to submit for a reaffirmation of the debt. They failed to submit the reaffirmation form to the court or my attorney. Which means that the debt was indeed included in the bankruptcy. XXXX at BHFC stated that I owed for all months which total to about XXXX dollars to reinstate my loan. I contact my attorney and the court to verify if the loan was included in the chapter XXXX. XXXX was trying to force me to make payments on a debt that was discharge. This conversation happen in XX/XX/XXXX, so if there was a payment due it would have been for the month of XX/XX/XXXX only because of the discharge date of the loan. BHFC proceed to repo my vehicle with out a resolve and demanded that I pay back months. I emailed XXXX XXXX and XXXX to contact my attorney, there has still been no resolve at this time. No one has returned my calls or email in this regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX XXXXXXXX XXXX demand the balance of an account for about XXXX. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only. 
I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance ca n't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX. 
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.
Product: Mortgage

Hi - This is in regards to a possible ECOA, Regulation B, and UDAAP violation with Amerisave Mortgage. I have applied for a mortgage loan in XXXX 2016 and was pre-approved. I spoke to the loan officer and he told me to submit certain loan documents to be submitted to the underwriters. I submitted all documents as requested and received a phone call to submit my drivers license. I submitted my drivers license XXXX/XXXX/2016. I emailed the loan officer back and told him it was submitted. I have no heard from the loan officer since then. My credit is not the greatest or not the worst, it is in between and my DTI was a little high but I was within the FHA guidelines, per the loan officer. A month later today XXXX/XXXX/2016, I called the loan officer and asked him why I have not heard from him a little over a month. He stated that I was n't 'pre-qualify. ' But my loan status/application said I was pre-approved. He did specified when I first applied for the loan that in order to get pre-qualify, he will need to send the following documents i submitted to underwriting. However, I have not heard from him. ' I told him that it should be his responsibility to contact me and to tell me where my loan status is at. I felt as if I was mistreated, misleaded with my application and loan status maybe because my credit was n't the best and he did not want to work on my loan but would rather work on loan applications that has the best credit so he can get his incentives. I understand this, but I should not be mistreated due to my credit or even income. I should be treated the same as the person who has XXXX credit this is call 'FAIR LENDING. ' I feel that this is a violation of ECOA, Regulation B, UDAAP, and fair lending. All customers should be treated equal when it comes to credit applications. I understand the sale incentives, there should be some type of oversight within the team members to ensure that they are treating all customers equally. I plan on filing a lawsuit. 

Company : Amerisave Mortgage
Product: Credit reporting or other personal consumer reports

Improper inaccurate reporting.fraudulently XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting XXXX 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX you must complete this reinvestigation within 30 days of receipt of this letter. 
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.
Product: Credit card or prepaid card

Acct # XXXX XXXX XXXX XXXX Amount {$3000.00} I have sent multiple correspondences by certified mail to settle this debt without any written agreement or resolution from Wells Fargo. 

According to the information given to me by Wells Fargo, the date of the last activity on this account was XX/XX/2016. 

The statute of limitations on this debt is six ( 6 ) years in the state of Wisconsin. This debt is out of the statute of limitations and is no longer collectible. 

Wells Fargo has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the debt to the credit bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following inaccurate information on my XXXX credit report in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692 ( c ). According to this law, if a consumer refuses to pay a debt or wishes the debt collector to cease further communication, the consumer must notify the debt collector in writing. Upon receiving this written notice, the debt collector must stop all further communication with the consumer. Additionally, debt collectors are generally prohibited from communicating about the debt with third parties. 

I am requesting the removal of the following debts from my credit report : JPMCB Account # XXXX XXXX XXXX Account # XXXX Soc Security Account # XXXX  I previously submitted a request regarding auto information appearing on my credit report with the date XX/XX/XXXX, showing a location in NY. I have never owned this vehicle, and this information must be removed from my credit report. 

Please provide validation for the information in question. If you are unable to provide validation, I request the immediate removal of these items from my report. According to the Consumer Financial Protection Bureau ( CFPB ), these matters must be addressed promptly, and failure to comply may result in further action. 

I look forward to your prompt response regarding these matters. Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

Paid account in FULL XX/XX/year> apparently they added interest after the account was paid in full. I moved to a new address, did NOT receive any notices, letters, calls, or EMAILS TO INDICATE there was a past due amount. The company placed 2 late fees on the account which ballooned the balance to over {$30.00}. from {$6.00} interest fee. I requested the late fees be refunded back to the card. I agreed to pay the interest charge that I still don't believe was even due. They did agree to remove one late fee. 

I asked they remove the negative information from the credit bureaus which they refused to do. They claim they did nothing wrong. 

What I would like done to correct their error is correct my credit report. remove the negative inq. showing 2 months late. The only reason this was Brough to my attention was they reported negative to my XXXX
Product: Payday loan, title loan, or personal loan

I have 2 loans with Conn 's. They start your loan out with no interest loans and then they switch your payment amount in order to earn more interest. I was told 3 different amounts today on 3 different phone calls. They tell you you have a 10 grace period before late fees begin. Today I received an email telling me tomorrow I will incur late fees at 7 days! When you call to make a payment, they will tell you a different amount to prolong your loan. They have many complaints on the internet regarding shady practices.
Product: Credit reporting or other personal consumer reports

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

I looked at my experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. According to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( 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: Debt collection

THIS ACCOUNT IS REPORTING DIFFERENT INFORMATION IN THE 3 AGENCIES WHERE THE ACCOUNT IS REPORTED, INACTUAL INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, Does not Match, also THIS COMPANY DOES NOT RESPONSE TO MY REQUEST FOR possible disclosure of my non-public personal information to unaffiliated third parties without my prior notice and consent. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802, outlines a financial institution 's obligations with respect to such disclosures.
Product: Bank account or service

I was unaware that I am being Charged an inactive fee from BB & T bank in the amount of $ XXXX/month.I have it just as a little savings and my safety deposit box is also with them.These " fees '' should be deemed criminal, just because I do n't use the account once a month I am punished.
Product: Credit reporting

XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from Experian and XXXX. When I put a dispute in for Experian, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with Experian and XXXX. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XX/XX/2015, and the XXXX XXXX XXXX item was removed.
Product: Checking or savings account

On or about XX/XX/XXXX, I opened a business checking ( acct # XXXX ) and savings ( acct # : XXXX ) account AND a personal checking ( acct # XXXX ) and savings ( acct # XXXX ) account at XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX. On or about XX/XX/XXXX, I received multiple letters stating that my accounts were closed due to " suspected fraud. '' When I called the customer service number, I was told XXXX XXXX put an alert on the account, so they closed the accounts. I was then told to reach out to XXXX XXXX to resolve whatever issue appeared. I have received no written correspondence from XXXX XXXX. 

Sometime the same week, I returned to the branch where I opened the account and spoke to the banker with whom I opened the account. She looked up the history and confirmed that the account was restricted. She called into customer service and sent an email to her Regional Manager. 

When I followed up with her after the new year, around XX/XX/XXXX, there had been no movement on the account, and it was still closed. At that point, I asked for my deposits back ( {$750.00} in cash made via XXXX confirmation # XXXX and a check for {$520.00} ) ; since I no longer had access to the account, I couldn't make the transfer myself. I was told to return later in the week since the funds would be distributed via a check. Once I returned, there was no check, and my funds weren't returned. 

I returned to the exact branch location and had customer service at XXXX multiple times until I moved from the area in XXXX. I have since called customer service several more times, only for my phone call to be disconnected. Despite the supposed account closure, I have received a monthly statement every month thereafter ( up to and including XX/XX/XXXX ). 

I do not wish to re-open the account with Truist and want my money returned. Thank you.
Product: Checking or savings account

I have been a loyal customer of Bank of Americas for over 20 years. Yesterday, I went into the branch to cash a check and was told by a representative that funds would not be available until the next day. Later in the day, I deposited the check via the mobile app. Upon making the mobile deposit, a notice appeared on the screen saying that {$250.00} of the check would be available the next day and the remainder of the check would be available the day after that. It asked if I would like to proceed and I clicked yes. To my surprise, I checked my account the next day to learn that the check was now being held until XX/XX/XXXX. Roughly two weeks later. Similarly, I deposited two {$500.00} money orders within the last month and they both were held in excess of two weeks. I always thought that money orders were as good as cash. Its mind-boggeling how these checks and money orders are being held for excessively long periods of time on my accounts and this just became the case. In the past, I could walk in and cash checks or deposit for next day availability. I have in excess of {$6000.00} being direct deposited monthly. I do not feel like a valued customer and I do not know of any other bank falsely advertising holds on checks and changing the dates once the checks have been deposited. I am strongly considering ending my banking relationship with Bank of America. Debits have been denied due to these holds and its costing me fees due to these transactions being denied because Bank of Americas hold. With all the modern technology of todays society, I dont understand why it takes two to three weeks to clear a check besides cause undue hardship.
Product: Debt collection

XXXX XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. XXXX advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for Equifax. This is a violation of my rights. XXXX has my information without the proper rights to have it. Please investigate XXXX for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. Equifax needs to remove this account right away. XXXX XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like Equifax, XXXX XXXX XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began loan modification for a first and second mortgage in XX/XX/2019. The first mortgage went without a hitch, the second mortgage took an additional 30 days- I don't know why, and has had numerous issues. I was told to NOT make any mortgage payments while going through loan modification. Although I didn't make a payment on the first mortgage, there are no negative notations in my credit report. Although I began loan modification on the second mortgage, and was told not to make payments- making a payment could nullify loan modification. This message was told to me verbally and on a automated account through XXXX XXXX. My credit score was over 800 and I had no late payments anywhere on my credit report when I began modification. My credit report now shows that I was 30 days late, and 90 days late- not 60 days late which I find interesting. I am a rule follower. I provided information when asked, made payments as stipulated in my loan modification agreement, and didn't make payments when directed not to, and yet, my credit score is more than 150 points lower than it was before modification. Yes, I realize going through modification can affect my credit score- but I must say, the first mortgage loan modification hasn't affected my credit score. Also, although XXXX confirmed that I had asked to have my account evaluated in XX/XX/XXXX,  I wasn't notified or updated about the process. I had to call today, XX/XX/XXXX to mind out the progress. What happened to 30 days? Although XXXX claims the evaluated my account twice, it was abundantly clear during my two hour phone conversation today, that neither my complaint filed through TransUnion or the complaint I filed directly with XXXX in XX/XX/XXXX was looked at by anyone.
Product: Credit card or prepaid card

i have an account thats not mine and its reporting negative