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

The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, XXXX, or Experian, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX., XXXX., in accordance with basel 3 accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit card

I am Bank of America account holder who also has XXXX credit cards with Bank of America. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my BoA online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Bank of America credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Bank of America website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Bank of America as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with BoA that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on BoA customers.
Product: Debt collection

I got a message on my voicemail that said I was going to be " processed '' at my work and pursued legal action against if I wasn't going to contact these people about this debt. So I called the number they left on the message back, gave them some information and they told me about a debt for roughly {$3200.00} that was from a XXXX credit card. When I asked more about the situation they said that if I was not willing to settle the debt that I would be charged and they would garnish wages up to {$7000.00}! So I said that is absolutely insane as I don't remember ever having a Citi Bank credit card, and they agreed to allow me to settle the debt for the original settlement amount from XXXX for {$1200.00}. I agreed to pay this fee and then I looked up the company and it does not seem legit! I got a receipt from them via email and also had to sign an agreement about the payment of which I still have the PDF for.
Product: Mortgage

Back in XXXX we got infected with covid 19 as a result if that my children were not able to return to daycare because of health compromise of one of my kids my mom had to stay home i had to get money from my mortgage payments to pay behind bills of eater and vehicle paymments and to pay my Mother for taking care of them as why i fel behind
Product: Mortgage

In XXXX I started working with Amerisave Mortgage to refinance my existing mortgage with a view to lowering my monthly payment. I eventually received a lock-in rate of 3 % with a monthly payment including taxes and homeowners insurance of about {$1800.00} to {$1900.00}. I have been trying, unsuccessfully, to establish a closing date and Amerisave now wants over {$7000.00} in cash at the closing. We did have a date but Amerisave now denies any knowledge of this. In XXXX I disgustedly told Amerisave to refund what I had paid for an appraisal ( {$420.00} ). They were supposed to call me back on XXXX. They never did. I would like them to to make the loan on the terms they described to me. I have tried to deal with other mortgage companies but they can not offer me the same terms because of fluctuations in the market.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.
Product: Debt collection

Upon noticing that Ally Bank was reporting a negative charge-off on my credit report. I sent them a certified letter requesting Validation of the unfamiliar account that they were reporting on my XXXX credit report, with notification that I was disputing the accuracy of the account. Ally failed to prove that they had the legal right to collect on the debt in question ; they were UNABLE TO VERIFY THE DEBT. In turn I received notification from XXXX Credit Bureau that the Ally account was deleted from my credit report. A few days later I discovered ALLY HAD STOLEN MY CAR. ALLY has violated my Consumer Rights as well as broken the Law. Under the Fair Debt Collections Practices Act, it clearly states that if a Creditor Can not Verify the debt they may not collect the debt or otherwise contact the debtor about the debt. I have enclosed corresponding documentation.
Product: Credit card or prepaid card

I have been a consumer of Capital One Bank for years. On XX/XX/XXXX, I requested a credit limit increase from Capital One Bank. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. 

According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

XXXXXXXX XXXX XXXX fraudulently charged my credit card XXXX
Product: Credit reporting or other personal consumer reports

TransUnion placed an unauthorized fraud alert on credit report and when asked to remove it they did not remove it so this affected my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not one payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to XXXX XXXX XXXX XXXX. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by phones just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.
Product: Credit card or prepaid card

In the last two months I have been charged a late fee of {$40.00} on my credit card account while making the payment on the due date and receiving notification from the credit card provider that it was in fact made on the due date. Tonight I called the provider and spoke with a XXXX. XXXX tells me that my payment is due by XXXX on the due date. I asked him to please provide where that is stated on my account. His response was " IT'S ON THERE SOMEWHERE IN SMALL PRINT '' " I'M NOT SURE WHERE BUT I KNOW IT'S ON THERE " Well I have read the small print and it states NO WHERE on there that my payment is due by XXXX XXXX. What is states is the following. " Internet and telephone payment options are available and crediting times vary ( But generally must be made before XXXX XXXX   CT TO XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet or telephone payment please contact Cardmember Service for times specific to your account and payment option. There is noting on the Card holders website that states the payment must be made prior to a certain time or it will be considered late nor is there any specific time as XXXX told me was in the SMALL PRINT ON THERE SOMEWHERE. This is clearly deceptive on the part of Elan Financial and they should be required to post in plain sight both on the statement and the website that if a payment was not made by a certain time it would be considered late. My payment posted on XXXX XXXX according to XXXX who offered absolutely no assistance even though my account is prompt every month.
Product: Credit reporting or other personal consumer reports

I requested that XXXX and TransUnion show evidence of what they used to prove the accounts was accurate they playing games I need for you'll to treat them like XXXX they need to be sued i have a copy of the documentation the requested i send them to verfify me and they continue to wait for 30 days to respond and they send letters back saying they can't identify me ima upload the same documents to you'll and see if they tell you'll they can't identify me and i want you'll to use to the same information and you will see they lying and have been damaging me for years I'm requesting they show Subject : Request for Verification Evidence and Reinvestigation of Disputed Information To Whom It May Concern, I am writing to formally dispute the accuracy of specific information contained in my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I request an immediate reinvestigation of the information listed below and that all unverified or inaccurate information be corrected or removed from my report. 
Disputed Information Account Name : XXXX XXXX XXXX XXXX Account Numbers. : XXXX & XXXX Reason for Dispute : Inaccurate Reporting & Identity Theft. 
I Demand to see the Evidence that was used to verify this account and Im not requesting a copy of the Fraudulent application I also Demand a copy of the 1099 C and 1099 OID from XXXX XXXX XXXX XXXX for Tax Purpose. 
Request for Verification Evidence Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive : A description of the procedure used to determine the accuracy and completeness of the information. 
The source of the information used to verify the disputed account. 
Copies of all underlying documentation or evidence used to verify the information, including correspondence, account statements, or contracts. 
Action Required I request that your agency : Conduct a thorough reinvestigation of the disputed account. 
Provide me with written confirmation of the results of your investigation. 
Supply the evidence and sources used to verify the disputed account, as outlined above. 
Remove or correct the inaccurate information if it can not be verified. 
Supporting Documentation I have enclosed copies of the following documents to assist in your investigation : XXXX CREDIT REPORT IS CORRECT I HAVE ENCLOSED A COPY YOUR CONSUMER CREDIT REPORTING SHOULD MATCH XXXX. 
Legal Obligations Failure to comply with the FCRAs requirements may result in legal action, including statutory and punitive damages. I trust that your agency will address this matter promptly and in accordance with federal law. Please complete your investigation within the 30-day statutory timeframe as required by 15 U.S.C. 1681i ( a ) ( 1 ) and provide a comprehensive response. 
Contact Information If you require additional information or documentation, please contact me at : Phone : XXXX ] Email : XXXX I look forward to your response. Thank you for your prompt attention to this matter.
Product: Debt collection

LVNV sent a sheriffs deputy to my house with a letter from the court saying I have to go to court to settle a debt! Delivered in XX/XX/XXXX. However after opening, the debt was not mine. I never had any business with XXXX XXXX bank. I called them and told them. They said they made a mistake and for me to throw the summons away. Well, I didnt do that. I went ahead and sent it in disputing the bill. Now they sent me a court summons to appear XX/XX/XXXX at XXXX XXXX  in XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have to go to court for something I do not owe from a company I have never had an account with. This is a federal violation as well as a AL State violation of the Consumer Protection Laws. XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I am in the up most saddest state Ive been in a while. My account had been rigged due to a scam with XXXX. In this situation my debit was withdrawn from me & also my phone which does in-fact have my 4 digit pin. Varies transactions were made in my Checkings & Savings account early XX/XX/XXXX - XX/XX/XXXX I previously called over the funds for the first debit fraud in which I was reimburse the money. I was able to make 4 claims discussing my shortages & damages to my Chase bank account. Never in my life have O experience such trauma like this before. Shortly, after I had with held of my new debit card in where I was then manipulated out of my funds & personal information again I was charged for varies activities, that to my prior did not did not actually make. I have no prior business with XXXX  so therefore do not understand why there is multiple bank transactions with them. I do not know what the whole hassle with the atm fees are about since XX/XX/XXXX I called my bank & was issued temporary credit. But I am here today writing this statement to make sure I am able to fulfill in my actual funds of XXXX. Thank you
Product: Debt or credit management

Equifax is reporting a false bankruptcy! I need proof of how his information was obtained! And removed as soon as possible!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XX/XX/2023, challenging the accuracy of the information pertaining to the above-mentioned account. My dispute was based on the contention that the account information is not accurate and should be investigated further. 

Dispute Resolution Results : I received a response from Experian indicating that the account information has been verified as accurate by the company associated with the account. However, I find it concerning that despite their assertion of accuracy, Experian has failed to provide the verification documents that would substantiate the claim that the information is indeed accurate. 

Lack of Verification Documents : It is my right as a consumer under the FCRA to receive documentation that supports the verification process and confirms the accuracy of the disputed information. Without proper verification documents, I am left without the means to assess the validity of the company 's verification process or the accuracy of the account information in question.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX and Transunion to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is 9yrs and 10 months old, and XXXX was a ch XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but XXXX and XXXX are reporting a dismissal of XXXX but in fact its still a ch XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( ch XXXX conversion ) unsubstantiated or otherwise found inaccurate. 

The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed, I am at 9yrs and 10 months from case XXXX. Generally, bad credit information is removed after seven ( 7 ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Product: Student loan

My loans were switched from XXXX to Mohela in summer/fall XXXX. There was little to no information on the switch to begin with. My payment with XXXX before switching was around {$28.00} per month. I have been paying even during the pause. Once the pause ended and I was switched to Mohela, It stated my payment was going to be over {$500.00}. I recently got married, but do not make much more money than when I began with XXXX. In addition, my husbands student loans are higher than mine and he was able to request a lower payment with XXXX and get it approved right away. I have submitted many requests to lower my payment with Mohela, getting denied the first few times because I did not know I needed to submit paperwork ( you did not have to do this with XXXX and there was an option to opt out with Mohela ). I spoke with someone on the phone after resubmitting again ( in XXXX XXXX ) and they said they can put my loans on hold for a month until a decision was made on a new plan. The deferment did not work and I still have to pay over {$500.00} on this loan with still no answer to my submission in XXXX. I can not afford this payment and do not know what to do as this service provider has been so difficult, I would do anything to switch back to XXXX or have a different plan. I have even tried to submit my name change to Mohela and it still has not been processed for months. Is there anyway to assist with lowering my payment or changing loan providers, this is my last resort. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous & Associates is a third-party collector and I gave no one consent to contact me, they have harassed me several times. Threatening to sue me over the phone. No permissible purpose was given to this corporation on my behalf. They are violating my rights. I have sent in a debt validation request and demanded a response within 30 days, No response was ever given. They have been put on notice and had 10 days to remove the account from my consumer and FAILED to do, this is illegal. This company fails to respond to me.

15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports