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

Experian is not reporting XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) accounts accurate and complete as required by the FCRA. 

XXXX # XXXX not reported on account are : Usage Balance Balance updated date Paid off percentage Credit Limit XXXX  # XXXX not reported on account are : Monthly Payment
Product: Student loan

I was in college and had student loans and other loans taken out of my bank for {$13000.00} and is now messing up my credit and making it where I cant refinance my truck which I have a 23 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX Compliance Deficiencies and FCRA willful violations by Experian and XXXX XXXX require permanent deletion of my closed accounts. Despite my clear disputes for repeated willful FCRA violations about XXXX XXXX non compliance, Experian and XXXX XXXX are still NOT XXXX XXXX Compliant which should have forced and requested XXXX to verify whether EVERY item and every required field is filled in accurately, mandatorily and logically XXXX XXXX  perfect to meet compliance standards as set forth in the XXXX page Credit Reporting Resource Guide , created by Experian, to meet All of the requirements of the FCRA, FCBA and ECOA to insure maximum accuracy and complete information on my credit report. My attached paper credit reports of XX/XX/22 and XX/XX/22 of Experian for XXXX XXXX disclosed numerous XXXX XXXX deficiencies which are quite obvious to mention as deficiencies should have resulted in AUtOMATIC deletion of the XXXX XXXX file. How could mXXXX XXXX Account be closed on XX/XX/22 but open on XX/XX/22 despite my repeated disputes on this issue? Clearly, Experian and XXXX XXXX  are not XXXX XXXX Compliant mandating deletion of my XXXX XXXX account
Product: Debt collection

I am updating original complaint that I sent to you. I made an original complaint XX/XX/XXXX for the debt collection company PMAB , LLC about not reporting to the credit bureaus XXXX-XXXX-XXXX   for the amount of XXXX. This is a medical debt. This debt came off the credit bureaus from another debt collection agency and was to go back to spin from XXXX XXXX, XXXX. PMAB , LLC responded during original complaint XX/XX/XXXX. The representative on that day told you CFPB it may prevent the items from reporting back to credit bureaus for minimum payment. I still can not afford. I have documents listed from that contradicts on what PMAB , LLC says on that they opened these accounts to credit bureaus XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. How can this be when they told you it hasn't been reported on XX/XX/XXXX. False statement. I also did a history from XXXX  only no updates for XX/XX/XXXX cause its still updating.. from XX/XX/XXXX you would think it would have been listed as was XXXX and XXXX but there is no opened date for this. On XX/XX/XXXX, I got a letter still from PMAB , LLC that the total XXXX has not been reported to the credit bureaus. My opinion is it had all ready been with the credit bureaus from another collection agency. The company could have put it as current account balance but did not. The reason is because it has run its course. Now on XX/XX/XXXX, please note I have documents stating on XX/XX/XXXX that its updated from XXXX and XXXX, no 30 days was given to make a formal dispute. I get another letter from PMAB , LLC Some other accounts evidently are falling off credit report XXXX XXXX XXXX XXXX from XX/XX/XXXX the totals XXXX, XXXX, XXXX. So with previous debts total XXXX it is suppose to be XXXX adding the XXXX from XXXX.Only the XXXX is not listed along with XXXX and XXXX. The XXXX and XXXX I understand PMAB , LLC didn't have to report because its under XXXX dollars. So the XXXX did fall off all credit bureaus from XXXX and XXXX, XXXX  is still updating I won't be able to send. to where all should have fell off credit reports. XXXX is what is listed from XXXX and XXXX. PMAB , LLC wants me to pay this where it should be XXXX. PMAB , LLC is coming up with a different total because of the agreement PMAB gave me stating this would not be reported. Once again all these accounts have run its cycle in the credit bureaus from XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I request all inaccurate information be removed from all three consumer reporting agencies. This includes late payments/ collections/ or any derogatory remarks be removed untill a XXXX  investigation is conducted. In my files I will include the identity theft report, plus my identification of proof of who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax back in XXXX of XXXX that I have been a victim of identity theft. I contacted them today XX/XX/XXXX letting them know that someone attempted to get things using my information. They did nothing but kept reading from a script. The things attached to this identity theft report need to be deleted.
Product: Debt collection

I discovered CONVERGENT OUTSOURCING has re-aged old debt on my credit report. I filed a dispute with XXXX, and it nothing was resolved. XXXX charged off a private student loan debt in XXXX of XXXX in the amount of {$24000.00}, and it has been present on my credit report since. In XXXX of XXXX, I discovered via my credit report, that Convergent Outsourcing placed a collection for a new account in the amount of {$57000.00}. After further research, I discovered the aforementioned charged off student loan has been re-aged on my credit report. The re-aged debt is showing an account opened on XX/XX/XXXX, and late payments were reported in XXXX of XXXX. The current past due balance is {$58000.00}. Please let me know if further information is needed. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Hello, my credit report has inquiries I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Debt collection

This company continues to call my place of business stating that they are going to serve me papers and I do not owe them any monies. They have spoke with my employer and she has asked them not to call the office any more and they continue to leave messages and harass me. They threaten to embarrass me in front of my coworkers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX 15 U.S.C 1681 Section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also sta
tes a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

After filing a complaint with the CFPB earlier this morning on XX/XX/2024, XXXX XXXX, responsible for resolving issues at Bank of America, called me twice. This marks the second time he has aggressively refused to refund {$400.00} in fees, reflecting the overall behavior of Bank of America staff. He insists on not compensating for their unprofessional conduct, demanding that I bear the consequences. 

The root of the problem lies in Bank of America 's irresponsible actions. They mailed unsolicited credit card promotional checks, providing inaccurate information about their usage. Despite calling three times for clarification before utilizing the promotional check online to pay my XXXX XXXX property tax, they failed to instruct me to first deposit the funds into my checking account and then proceed with the payment. Instead, they advised me to use it directly for online tax payments, leading to the current predicament. 

This issue squarely falls under the responsibility of Bank of America. However, XXXX XXXX remains adamant about not facilitating the resolution. I find it unacceptable that he aggressively dismisses the matter during our conversations. This is just one instance of Bank of America customers enduring unprofessional behavior and facing challenges due to their practices. 

I have faced numerous difficulties with Bank of America over the years, including receiving unwanted credit card issuances and mailings, as well as encountering issues with unclearly canceled credit accounts that resulted in me paying my credit card bill twice.
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. 

Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

I was not involved in running the daily operations, unfortunately, I was on a leave dealing with my ailing XX/XX/XXXX ... .... I have been put into XXXX and EWS over a {$320.00} check sometime last XXXX. 

I am willing to provide any documents needed including an affidavit, that there was NO FRAUD and any amounts owed once justified will be made good I am in Peril, I need a checking account to go forward in life, I can not get cash, I can not open an account. 

I totally object to the way my situation is being handled by the following institutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

So far, I've recieved phone calls from 2 different FL numbers and written correspondence from 2 different addresses in different states other than FL. It's confusing and they didn't respond to the Debt Validation Letter except to say that they got it and they had to make sure that their records were " accurate ''. Shouldn't they be accurate already before they took action? I'm sending a letter today to give them 5 days to furnish this info or I will not respond to the debt again.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, It has come to my attention that XXXX XXXX and or XXXX XXXX XXXX, XXXX are reporting charge offs on my report. XXXX for XXXX and the other for XXXX. According to the INTERNAL REVENUE SERVICE, charge offs are considered income and income should not be reported on a credit report. I also never received a XXXX for either charge off. This is a direct violation of XXXX usc XXXX ( a ) ( XXXX ) ( a ) XXXX information with actual knowledge of errors. It also a violation of XXXX usc XXXX ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report and in this case there are XXXX violations recorded on my credit report pertaining to these charge offs. 


Upon reviewing my consumer report, It has come to my attention that XXXX, Equifax, XXXX, and XXXX are reporting addresses that are no longer mailable. Please remove these at once. 
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 Upon reviewing my consumer report, It has come to my attention that Fair Collections & Outsourcing are reporting Collections on my Credit report in the amount of {$2600.00} as well as XXXX XXXX XXXX reporting an amount of {$950.00} XXXX These companies are in direct violation of 15 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report. Also these accounts are being reported as open accounts in which a collection by default is a closed account. 

XXXX XXXX XXXX ARE ALSO IN DIRECT VIOLATION OF 15 USC 1681A ( XXXX ) ( A ) for reporting my medical information and 15 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report
Product: Debt collection

A wedding ban was purchased XX/XX/XXXX from XXXX XXXX, first biweekly payment made XX/XX/XXXX. Final payment made XX/XX/XXXX. Credit report pulled last summer which shows inaccurate information being reported. Identity theft has been filed, fraud alert placed with all 3 credit agencies. Deletion report came back and has been attached. A few months ago my ex received a visit from a woman exposing XXXX XXXX as the company and inform my ex of a judgement being placed. Just last month, a woman approach another address looking for unknown female. She was advise, person doesnt live at this address. She came back on another occasion and approached an ex inside a vehicle asking for the same person again. She returned and reached the homeowner who threaten to call the cops if she comes by again for harassment. The security cameras shows the woman came back again, ring the door bell and taped a letter/note on the door and left. Home owner comes home from work to a letter stating all personal credit information for someone who doesnt live in the home. The information got expose amongst the entire family because he brought concerns that I was unaware of. This information has been posted on social media as well. My consumer rights has been violated by this debt company. XXXX XXXX XXXX, Sterling Jeweler and XXXX XXXX has violated the FDCPA. Ive been accused of a purchase I didnt make. Ive attached proof of purchase that was made and payments made to pay off. Ive attached deletion from XXXX XXXX   and other companies from the identity theft. Ive suffered a huge embarrassment with this false exposure when Ive followed the steps of identity theft.
Product: Checking or savings account

About XXXX days ago, in an attempt to build my credit, I applied for a new secured credit card. In doing so, I found a bank called Chime through a series of online searches. After clicking through the appropriate prompts for a secured cc, it had me enter basic personal info. Then, it told me to download the app to continue. I found this odd but proceeded regardless. 

Allow to me to mention that I was indeed on their site and not a phishing site. Once I had downloaded their mobile app, the screen said congratulation on your new Chime checking account with a debit card. 

I should note that I was very diligent about what I clicked on. I NEVER clicked on create a checking account or I agree to open a new checking account. Rather all I clicked on that could have possibly created this situation were a series of XXXX " terms and conditions '' type boxes that were required, but never showed any fine print. Especially not that I would be opening a new checking account. 

After contacting their customer service, I was able to get the account closed and got multiple emails confirming such. 

Its rather concerning that this bank is opening checking accounts in a seemingly automatic manner for folks who wish to apply for credit cards. 

Then just yesterday, I received emails stating that my XXXX XXXX had dropped XXXX points due to a new account. This would have been the only new account for months that would have been opened. 

I asked repeatedly in the email that they send a letter to all three credit bureaus, cc'ing me, stating that this account was opened without my consent or authorization and that I promptly forced the closure. 

Of course they flatly refused as that would be an admission of guilt I'm near certain this is XXXX, but will allow you, the Fed XXXX, the be the arbiter of that question. 

I have multiple email threads containing most of the bank and forth, but I can not figure out how to download and attach them. I am happy to email them to whomever needs them. 

Lastly, when I called and asked for their mailing address in order to file this complaint, I was told that they " did not have a mailing address as they were a bank ''. I had to argue over and over with the agent in order to get a supervisor on who could supply this information. 

Also, I should note that in one of their first emails to me after I demanded they close the account, they said " Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2024. '' This was copied directly from their email. Note the way that was stated ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my XXXX XXXX and all credit reports including XXXX and Experian to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX
Product: Student loan

I put a refund request into EdFinancial on XX/XX/2022 for payments made during the XXXX payment moratorium, based on guidance from the Department of Educations website. During this time I have called EdFinancial multiple times to get a status update on the process and to confirm the amount that will be refunded. 

They have never been able to provide me with an amount that is being refunded even though they say that it is processing. About two weeks ago {$190.00} was added back into my account which I assumed signaled the start of the refund process. The amount was odd since I've never made a payment of {$190.00}, my typical payments were {$270.00}. The representatives I spoke to couldn't give me an answer of why the amount was off. 

When I asked if a check was noted as being process sine the amount was added back into my account, they told me they couldn't confirm that information. When I asked about how the refunds are being handled they still noted a 4-6 month time period even though the process has started. This amount is much longer than the 72 hour refund window other providers have been offering. 

In general there's been a lack of transparency which, from what I've read of other 's experiences, seems to be common with this loan provider and would like to file a complaint.
Product: Checking or savings account

I opened a savings account with CIti inXX/XX/XXXX. I was able to transfer money in to this account no problem. When I tried pulling money out of this account a week later they told me I needed an ATM card. The company mailed an ATM card which was not delivered to me and instead went back to the company which they have record of. The company is refusing to send me a new card so I can get my money out of this account. I've called Citi every day multiple times a day for a week and half now trying to get my funds. Every time I've called I've verified all of the information and the company proceeded to lock my account. They said I needed a reference number to unlock my account. The person who called left a reference number and call back number that was not correct. Citi kept saying they would call back with a new reference number and never did. Citi then decided to permanently close down my account with all my money still sitting in the account. Even after verifying my information and the transactions I was attempting to make they shut down my account without my approval and now my money is no where to be seen. I can't even see my account on the citi platform. To make matters worse they not only did this to my account they also did this to my fathers account, so I know this is happening to multiple people.
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need help
Product: Mortgage

on XX/XX/XXXX I purchased a new car. During this process I found out that I had a 30 and 60 day late payment to Prime lending. I have evidence of payments sent to prime lending on time each month. After the XX/XX/XXXX payment received communication that XXXX was now prime lending. upon reentering my online information I had an incorrect account number listed. I found this out with help from XXXX. I immediately contacted prime lending and explained the issue at which time I made the offer to pay in full all monies in arrears at that time. I was told that I could not until the issue was cleared up internally. Apparently when they receive money to an erroneous account it goes into some type of holding account. I then asked what is the process to release the money and I was told finance has to process this. It then took weeks to resolve a laboriously slow process. During this time because I could not make them whole which I did voluntarily admitting my mistake with the account number entry in XX/XX/XXXX my account became 30 then 60 days late. 
this has affected my credit as to the point I can not get a mortgage right now and have just lost the chance to buy a home here in South Carolina. I made payments in good faith that they received and have bank statements that prove that. Right now I have these late payments on my credit report along with a " Dispute '', not totally clear on that, however I want this removed from my credit report as I 1 ) made payments that they received on time and 2 ) once discovering my issue I offered to make them whole and they refused payment.
Product: Mortgage

I applied for the removal of PMI and was rejected. My LTV is below 78 % and feel it should be removed, as long as payments are current.
Product: Mortgage

not applying payments and confiscating allegedly the cash and then demanding o f me to pay the payments in again in violation of uscfpb consumer regulations. and I am a XXXX veteran and these monies come from my VA us treasury XXXX pension. I am being defrauded by chase allegedly town my home. they denied me twice loan hamp modifications and the current loan is a loan modification I never applied for and has never been settled and I have no loan documents for.
Product: Vehicle loan or lease

Wells Fargo Auto Loan opened XX/XX//23. 
On a monthly basis for the last 6 months I have been paying an extra {$500.00} to pay down the principal. As directed by Wells Fargo I have called a few days after each monthly payment was posted and asked that the extra XXXX be used for the principal payment. No issues until today when the team leader for Wells Fargo explained they do not do this anymore unless I sign up for Auto Pay. Well, with the numerous phone calls no representative had informed me of this change in policy. She said a letter was being sent out. I asked how can you implement a policy without communicating the change in policy. Wells Fargo can play back all my recorded calls as they did not do due diligence in this matter. I asked to speak to a XXXX but they were unavailable.