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

Equifax is reinserting accounts on my credit report. Accounts that I have disputed that was inaccurate was deleted and then reinserted without any notification from Equifax.
Product: Debt collection

I am making this CFPB complaint regarding 2 phone calls I received from Revco Solutions. The first phone call was received at XXXX am, however I received a 2nd phone call at XXXX am ; a direct violation of Regulation F guidelines. Clarifies that a debt collector is presumed to violate the FDCPAs prohibition on repeated or continuous telephone calls if the debt collector places a telephone call to a person more than 7 times in a 7 day period, or within 7 days after engaging in a telephone conversation with the person. It also clarifies that a debt collector is presumed to comply with that prohibition, if the debt collector places a telephone call not in excess of either of those telephone call frequencies. I spoke with XXXX to attempt to explain this violation, who told me I was incorrect. I advised I would be publishing a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to PORTFOLIO RECOV ASSOC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2020. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney. I will attach the dispute letter that was sent 6 months ago which is dated and time stamped.
Product: Vehicle loan or lease

On XX/XX/XXXX around XXXX my car was illegally repossessed. I protested the repossession and the driver said its nothing he could do and to contact Ally. 


Ally removed title out of my name in order to sell the vehicle and reported the repossession to all credit bureaus. 

The next day I contacted Ally and after a brief investigation they admitted they were wrong and would return the car immediately. However, during this process the vehicle was illegally sold at an auction. 

After a month the vehicle was returned to me with scratches on the hood and a dead car battery which I had to replace. However title has not been reassigned to me. 

In the meantime Ally reported that I owe the remaining balance on my vehicle which I never authorized them to sell. Would love to speak to someone about this and thank you for your help. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am waiting proof that the Bankruptcy listed on my report is mine. i have not received letters, paperwork or anything with my signature on it. i have not received any type of verification letter from the courts verifying or validation that the bankruptcy is mine. i have not received any copies as to how this debt was verified. I have asked on more than one date for copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.
Product: Checking or savings account

On XX/XX/XXXX I went into the XXXX branch to make a deposit. The check I was depositing is a state government issued tax refund check. I specifically asked the teller was there any chance a hold May be able placed on the check, because I intended to use the funds to pay off a federal tax bill I had. She took a few moment to review my account and then confirmed that the check would not be placed on hold and I could expect for the funds to be available the next day. The receipt I was provided shows that the funds would cover checks for the XX/XX/XXXX. I proceeded to go online to schedule a payment for my federal taxes to be withdrawn. Six hours later I received an email stating they suspected the check would not be honored and the deposit was being placed on hold XXXX. I immediately contacted Bank of America and explained that I was told that the funds would be available the next day. I was told there was nothing they could do for me. I went back into the branch where the payment was made and requested to file a formal complaint about my experience, as I felt the information I was giving was deceptive. I was told that I would need to contact the regional manger to file a compliant. I had to call back into the XXXX number for a complaint to be filed. I am now left to figure out how to cover the payment I made so that it is not returned and will not have access to my funds for almost two weeks. When I asked if a call could be made to the issuing bank to verify the check was legitimate, I was told that was outside of their policy and I would just need to wait until they released the hold.
Product: Credit card or prepaid card

I spoke to XXXX, account service manager XXXX today XX/XX/XXXX after I sent the earlier faxes we got cut off. Previous live calls= I spoke numerous times on phone since XX/XX/XXXX and faxes. when agent does not want TO HANDLE DISSCONNECTS OR PRETENDS CANT HEAR ME. I have paper trail and all supporting documents to prove my balance is correct. 
My account transferred from old account jot new account with issuance of new card number. Balance to date should be {$2500.00} as of XXXX XXXX, XXXX balance still states {$3100.00}. i sent payment investigation team consolidation and proof of payments. has not been corrected. 
There was a {$270.00} payment in XXXX applied internally from their other credit department - from citi rewards Mastercard which was then reversed in XX/XX/XXXX. It May play a hand in best buy/Citi accounting errors. 
There are missing payments. Wrong payments are listed on statements. 
Also when the account numbers changed form new card issuance the balance came over to the new card wrong, that is why there is a discrepancy between my balance and your balance ( per my call today with XXXX ). 
There was also a {$330.00} that is wrong in XX/XX/XXXX closing period statement there is an incorrect input on the wrong line under summary of account activity. The {$330.00} should not be purchases and should have been inputted under " previous balance '' line item. 
I need the account to be audited & corrected. 
i requested Best Buy to contact me by phone to discuss, it is impossible to reach someone that can help. 

closing period balance DATE Payments purchases adjustments new balance XX/XX/XXXX {$330.00} XX/XX/XXXX {$84.00} XXXX XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$84.00} $ - XXXX {$160.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$84.00} XXXX XXXX {$84.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$2600.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$0.00} XXXX XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$83.00} XXXX XXXX {$2600.00} {$2600.00} XX/XX/XXXX {$270.00} XXXX XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$360.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2300.00} payment reversal {$2300.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$140.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$240.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$180.00} XXXX XXXX {$2500.00} account number corrected XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

I've discovered a billing error!! 12 CFR 1026.13. I've noticed Regional Finance reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B
Product: Credit card or prepaid card

My Barclays XXXX Credit Card was used and the products were sent to unknown persons and I'm being charged for fraud and false charges
Product: Mortgage

this is in regards to a complete filed against bank of America XXXX the loan was paid off XXXX/XXXX/XXXX, I have still not received the escrow deposit back, it has been over 3 months and I feel the Bank of America is not acting in good faith. 
this loan was on my primary residence.
Product: Checking or savings account

Chime closed my account with a balance of over {$1000.00} available when I demanded my monies returned they asked for identification verification wich I did above and beyond what was requested i XXXX driver license birth certificate social security card even sent picture with me holding all identification documents to be told Im ineligible for a refund. So the down side to internet only banks is theres nowhere to go to even attempt to recover my money in addition I had charges that were not authorized so immediately following my request for a dispute account closed without explanation besides I violated terms wich upon request of explanation was told they have the right to terminate our relationship at will but withholding my money can not be legal please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out a certified letter including a copy of my drivers license and bill with my address to Experian to re-investigate an account that is showing closed with a balance. I have proof they received a month ago. I sent out a second dispute to them on XX/XX/2023 and the agent stated they didnt receive the first letter and are just responding to the second that I sent. I received an email response from XX/XX/2023 stating they did not believe it was me sending this letter. They are now stating they will start a dispute more than 30 days after I send the dispute in.
Product: Credit reporting or other personal consumer reports

I noticed that there were XXXX inquiries on my credit report from the same company that were unauthorized after I was informed of multiple data breaches with my information and after I noticed them I contacted the credit bureau that it reported to and advised them of the problem they prompted me to call the initial credit company that issued the inquiry ( XXXX XXXX XXXX ) and I did so they were extremely helpful with the process and XXXX closed the accounts and requested that they be removed from my credit profile immediately i forwarded that info to transunion by mail and I also contacted them by phone and I have yet to get those inquiries removed from my report
Product: Credit card or prepaid card

I received a letter on XX/XX/2020, from Barclay Credit Card tell me that I needed to use my credit card or else they were going to close my account. The problem is that my card expired and they never sent me a new one. Now I have to order a new card, purchase a coffee with it and then pay it off immediately so that my credit score will not be adversely affected from having this credit card account closed. 

This company is bullying people into using credit cards when they don't need to. This makes no sense. It can't possibly hurt them to have my account open, even if I only use it occasionally. This type of activity from credit card companies should not be allowed or tolerated.
Product: Payday loan, title loan, or personal loan

I revieved a Payday loan in XXXX of last year. I received it and I paid it back because they took right from my account but then proceeding to " roll over '' the loan and because I didn't call them they re enrolled me in another loan which I did not want. And when I called I got the response well since you didn't contact us we it rolled over or whatever the excuse was. My response was. I paid it in full. Why would I call you? Now it's on my credit for double what my original loan was that I paid. On top of that they overdrafted my account and I had to close it. They took complete advantage. So now it's my credit. I'm a single dad that pays an outrageous interest rate on my auto loan because of this. This is wrong on so many levels. I learned my lesson. I'll go without or before I even think about doing business with a Payday loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3600.00} XX/XX/XXXX NOT PPROVIDED XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) XXXX 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are Ally Financial, XXXX, XXXX XXXX and XXXX XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.
Product: Consumer Loan

On XXXX/XXXX/XXXX I applied for this loan via phone @ ( XXXX ) XXXX with Western Sky in the amount of {$2600.00}. W. Sky charged a {$75.00} processing fee. I faxed ( XXXX ) XXXX all of the required documents to a rep. by the name of XXXX ( XXXX XXXX XXXX on XXXX/XXXX/XXXX. The money was deposited to my account on XXXX/XXXX/XXXX in the amount of {$2500.00}. My payment schedule is as follows : One payment on XXXX/XXXX/XXXX in the amount of {$120.00}. Beginning XXXX/XXXX/XXXX ( 47 ) monthly payments@XXXX. MY APR IS 139.13 %. MY TOTAL PAYMENTS WILL BE {$13000.00} BY THE TIME I AM FININSHED PAYING THIS LOAN OFF ( XXXX/XXXX/XXXX ). Account Info : Account # XXXX Western Sky Financial , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I later received a pamphlet in the mail with Delbert Services. I do not remember when I received the pamphlet. I did not know who they were. The pamphlet stated that the loan had been assigned to Delbert Services Corporation. It also contained my account number, and payment details. I went to their website www.DelbertServices.com, put in the required information and low and behold their was my loan info from Western Sky! Their address : Delbert Services Corp., XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX. Then on XXXX/XXXX/XXXX when I checked my bank account statement I saw a withdrawal from XXXX. I had no idea who this was! I then read my email that stated cash call would be making a withdrawal in the amount of {$290.00}. I realized from the amount that this was part of Delbert Services. XXXX has been making withdrawals from my bank account since XXXX/XXXX/XXXX in the amount of {$290.00}. As of XXXX/XXXX/XXXX I will have paid {$7700.00}. I have never been delinquent on this loan. This is the latest email that I have received : XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Loan # XXXX Dear Borrower, This letter is to remind you that your scheduled payment of {$290.00} will be electronically withdrawn on XXXX/XXXX/XXXX XXXX XXXX. Please make sure funds are available for this transaction. Pursuant to your loan documents, a fee of {$29.00} will be charged for any returned payments. If you have any questions, please contact our customer service department at ( XXXX ) XXXX. Sincerely, XXXX , XXXX . 
This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have historical notes on this one with the company and on here but NAVIENT took an additional payment of {$300.00} from me in XXXX  and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX  regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX. We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I paid off a balance of XXXX XXXX XXXX. Then I filled a dispute with Experian and asked that they updated my account to reflect that it was paid in full. I was looking forward to seeing an increase in my FiCO score, as a result. However, I was told that the debt was deleted from my credit report in XXXX. No such deletion is shown on my credit report. If the account was deleted how did I have an ability to both payoff the debt via collection agency or submit an electronic dispute regarding the XXXX XXXX credit card? 

Experian is attempting not to fairly report my payment, so that my credit score does not increase. There is close to a XXXX point difference in my fico score with XXXX XXXX or XXXX. There are unfair reporting practices being done. It is affecting my ability to buy a home and this is my American dream and right to pursue happiness.