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

The following information on my credit profile appears to be somewhat misleading and incorrect, thus I am formally asking you to fix it. You have XXXX  days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be showing any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data provided. Please update this from my file, make any necessary changes, and modify it.
Product: Debt collection

Requested proof that this debt belongs to me 3x 's with no reply
Product: Debt collection

The XX/XX/XXXXXXXX XXXX, credit card limit was {$300.00}. Furthermore they told me the balance was {$600.00}, which is the incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX, XXXX and Experian will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.
XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX- - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - - XXXX XXXX XXXX XX/XX/XXXX Delete all my unauthorized inquires from my credit report
Product: Credit reporting or other personal consumer reports

I got a credit card with the XXXX XXXX XXXX XXXX with the balance of {$5500.00}, to pay off some debts that I accumulated when I was without a home. Surely after XXXX came and I literally had to live off a credit card but because Ive always had good credit and cared about my credit, I decided to use a third-party to not only reduce my debt I settled it the first time in XXXX, and they kept sending me notices so I had to call my third-party company again, who then had to reach out to them again to clear my debt. But they have not removed it from my XXXX XXXX and its been More than XXXX days. The XXXX XXXX XXXX XXXX is XXXX of the most unprofessional lenders I have ever had the unfortunate privilege of coming across. Ive never had this amount of negative feedback, lack of care, and quite frankly unprofessionalism in a very long time I take full accountability for me not being able to pay for what I needed to pay for at the time, but I did what I was supposed to do and that was pay off my dad with the contract by NI agreement that we had. Ive sent actual photo proof to experience showing that the balance should be XXXX and taken from my credit, but they have yet to do it. Ive also sent messages showing that a representative from XXXX XXXX. XXXX XXXX themselves have reached out to me showing that they see that my account has been paid off, but they have yet to take the time to actually report it to the to the credit bureaus. It is completely unprofessional, and quite frankly experience needs to be sued for their lack of investigation.
Product: Mortgage

Non-performance of a lender ( missed deadlines, failed commitments, failure to provide closing documents, failure to respond to inquiries, failure to fund timely ) : We recently purchased a home, and our mortgage broker sent us through Ethos lending. What an ordeal! After a series of delays ( due to staffing, backlogs, etc ) they finally gave us a date for which we could sign closing documents. When we went to the title company on XXXX XXXX ( as they indicated we should ), no documents arrived. At this point we were out of contract with our sellers, and every day 's delay cost us $ XXXX in penalties - all because Ethos could n't deliver as promised. Our broker was finally able to contact them, only by masking his cell phone to appear as if it was coming from within their building. Where before he had called, and called, and left voicemails and emails with no response, when they thought it was an internal call they picked right up. He was able to get a commitment to have documents ready for us the next day. We signed on Wednesday, hit XXXX snag with seller documents, and all indications were this was a " rush '' and we would fund on Friday, XXXX XXXX. Friday came, and went - no funding. Sellers were irate ( as were we ), as our apartment would not let us stay any longer because the unit had already been rented, based on Ethos ' timetable for finishing this deal. Ethos guaranteed funding Monday, XXXX XXXX by XXXX XXXX. At XXXX, still no funding. There was a " system outage '' that prevented sending funds. Finally funds arrived to XXXX title company, but too late for them to send it to the sellers. At this point, I had stalled my apartment to let us stay through Monday, and the drop-dead time arrived. I had to pay my movers to move everything to a storage unit, and find a place for my family and pregnant wife to go that night ( thanks Ethos ). At this point, Ethos has cost me XXXX days of lost work ( since I had to take time off work each time to sign, and then arrange movers, cancel movers, rearrange everything each time they failed to perform ), as well as over {$500.00} in penalties to the sellers, doubled my moving costs, and stress on a pregnant mother. I have worked in XXXX for XXXX years and never have I seen such an unresponsive, uncommunicative, ineffecient and non-performing lender. We had serious doubts as to their solvency, and whether or not they were even legitimate. Through all of this, we bore all the burden of the inconvenciences - all because of Ethos ' inability to deliver on contracted lending services. I ca n't tell you how many times my XXXX wife was in tears because of this lender - XXXX is a MAJOR concern during XXXX and this lender has absolutely no concern for their customer - zero.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report. My license to XXXX, XXXX, and Transunion. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.
Product: Credit reporting or other personal consumer reports

After careful review inaccurate reporting accounts address is incorrect I have my identification included information not matching across all three bureaus experian XXXX reporting bankruptcy dept of aide duplicated accounts and amounts incorrect status invalid records not authorized by me loans opened without consent Furthermore, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ( BAPCPA ) requires that creditors provide a debtor with a notice of their right to dispute the debt within 30 days of receiving the notice of the bankruptcy filing. I never received such a notice from your company, which is a clear violation of the BAPCPA and USC code 11 U.S.C. 342.

As per the Fair Debt Collection Practices Act ( FDCPA ), a creditor is prohibited from making false or misleading representations to a consumer. In my case, your company has misrepresented the amount of debt owed and has initiated bankruptcy proceedings without providing proper documentation to support your claim. This violates the FDCPA and USC codes 15 U.S.C. 1692 et seq. and 11 U.S.C. 101 et seq.
Product: Mortgage

Our mortgage was serviced by XXXX for several years after being sold by XXXX. We had some financial difficulties and requested a loan modification. They agreed and I sent a check that didn't clear. At this time I had opened a new bank account. SO, when I saw that the check didn't clear I called and requested they take the money from my new account. Well, the rep didn't verify my checking information and they tried to take it from the old account. So, they wouldn't let us continue. They filed for foreclosure. It was due to go to auction on XX/XX/XXXX, but it didn't sell. So, now we are being serviced by a company called Selene, LP. They haven't tried to reach out and work out a solution. I understand we now have another pending auction for XX/XX/XXXX. I want to know who can legally foreclose at this point? I plan to submit loan modification paperwork to Selene tomorrow.
Product: Debt collection

I purchased a XXXX XXXX XXXX with Santander Auto Finance being the finance company. Shortly after I fell delinquent on the payments as they were extremely high based upon my income and the interest rate was predatory. In XXXX I was notified that my loan qualified for the title and loan forgiveness program that the initiated due to predatory lending. To date I have reached out to Santander on numerous occasions and they failed to honor the loan forgiveness. In addition, they repossessed the vehicle in XXXX. Currently, the loan is past the statute of limitations for collections ; however, my credit is being adversely affected as the loan continues to remain on my credit bureaus as a charge-off.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that my credit score dropped significantly by XXXX points. Upon reviewing my credit reports from XXXX, XXXX, and Equifax, I found several discrepancies that may have caused this issue. Specifically, my report contains an incorrect address, showing " XXXXXXXX XXXX XXXX XXXX, PA, '' instead of my actual address in XXXX, NJ. Additionally, there are XXXX hard inquiries, including multiple entries from XXXX XXXX and XXXX XXXX XXXX, which I do not recognize and believe to be inaccurate or fraudulent. 

There are also issues with the account information for XXXX XXXX XXXX XXXX, XXXX XXXX ( with duplicate and inconsistent entries for XXXX accounts ), XXXX XXXX, and XXXXDept of ED XXXX all of which show discrepancies in payment history, account status, and balances. 

I have requested an investigation into these matters and asked the credit bureaus to update my records and remove any inaccuracies.
Product: Credit card or prepaid card

XXXX  closed my credit card ( XXXX ) on XXXXI did not close this account.I stopped using this account when XXXX closed and went bankrupted.I kept it open so it does not reduce my credit score by closing it.I couldnt use this credit anyways.
Product: Money transfer, virtual currency, or money service

I made a purchase with my Chime debit card from XXXX XXXX XXXX back in XX/XX/2020 for an online business. XXXX XXXX is the owner of this online business located in XXXX and the only way to contact The XXXX XXXX is via email at XXXX I sent Chime all corresponding emails showing I was going back and forth with The XXXX XXXX waiting on the online business to be completed and eventually requesting a refund which The XXXX XXXX agreed they would refund. All of these emails were forwarded to Chime but I have now been denied twice to get Chime involvement into my civil fraud matter. Chime refuses to tell me what is needed or what type of proof they need to purse this civil fraud problem. I have reported The XXXX XXXX to the XXXX or what ever the affiliate company is for international fraud. I was informed by local authorities that the only way an official investigation and probing fraud case can start is if Chime does a chargeback of the {$3500.00} and report this on their end. I have been scammed and Chime does nothing but deny my request. My Civil rights are being denied only because Chime doesn't want to do their job. I'm sure the Banks can write fraud off and get their money back unfortunately that won't happen for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my Equifax and XXXX reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

DEPT OF EDUCATIONXXXX XXXX
Product: Credit card or prepaid card

XXXX the retailer previously had a credit card contract with XXXX Bank. In the middle of XXXX, this contract was changed to Capitol One. 

I have not used my XXXX XXXX XXXX credit card for several months. Meaning, there was a {$0.00} balance at the time that Capitol One took possession of this credit card. 

Immediately, after taking possession of the account, Capitol One flagged my account for fraud. I did not use the card ; I was not even sent a card by the issuer. 

In my attempt to resolve this issue, Capitol One demanded a picture of my state-issued identification, a utility bill with my name and address, and a photo of my social security card. I obliged by providing my ID card and utility bill, but declined to submit my social security card photo. I find this requirement to be excessive and unusual. 

Capitol One will not remove the restrictions from account and will not communicate details around the alleged fraud with me. They will not even allow me to close the account. 

Capitol One is holding me XXXX over alleged fraud that did not take place as far as I can tell. I've never used the Capitol One card and I did not take any action following the transition to them as a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CH-XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  Account xxxxxxxxxxxx XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have applied for the Citi Thank You Premier credit card which had a promotional offer for XXXX points when you spend {$4000.00} dollars in 3 months. I was accepted for this promotion while applying back in XXXX of 2017. 

I had to call citi to be reconsidered for this card and was accepted. They told me that the promotion would apply after completing the benefits while I was on the phone with the customer service representative. 

Many months later after completing the requirements, they told me that the promotion wasn't on the account. I called again and then the customer representative said that I was eligible because I've had this card before. This was the first time I ever heard of this after applying and talking to multiple people on the phone from citi.
Product: Vehicle loan or lease

There are two issues, 1 ) GM Financial migrated their payment system to a new platform. There were significant challenges and it was confusing and this created issues with accessing the site and making payments. The CEO indicated they would not report late payments, but they did. I have a 30-day late on my credit report and GM Financial has refused to update my credit report. 

2 ) I decided to pay my lease off in XXXX ; I have no desire to ever do business with them - I simply wanted them out of my life. I made a payment over the amount due. I verified on my next statement, XXXX and confirmed, there were " zero remaining payments '' on my lease and XXXX amount was due.I decided to check XXXX, because I've been bamboozled by them in the past. The landing page showed two different amounts due and the statement showed I had another payment. I contacted GM Financial via chat. The rep refused to explain why my statement in XXXX said I had XXXX remaining and had no explanation for the other two amounts. She insisted I just pay the {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 


611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

ON XXXX, THE BANK OFAMERICA XXXX XXXX XXXX,XXXX, XXXX XXXX, TEXAS XXXX, XXXX XXXX NEGLLIGENTLY AND DELIBERATELY , FAILED TO WITHHOLD TEN PER CENT AS WITHOLDING TAX FROM THE AMOUNT TRANSFERRED FROM MY IRA INTO MY SAVINGS ACCT.INSPITE OF THE COMPUTER CLEARLY INDICATED THAT THE TAX BE WITHELD.I WENT BACK TO THE BANK AGAIN AND AGAIN.NEITHER XXXX NOR XXXX ANOTHER EMPLOYEE WOULD HELP.XXXX   WOULD NOT EVEN TRANSFER BACK MONEY INTO THE IRA.THAT WAS IN XX/XX/XXXX.ON XX/XX/XXXX I AGAIN ASKED XXXX TO WITHOLD THE TAX FROM MY SAVINGS ACCT.SHE REFUSED TO DO THAT.SO I BELIEVE THAT AROUND XX/XX/XXXX, I DECIDED TO CLOSE MY IRA, AND INSISTED THAT XXXX WITHOLD TEN PERCENT AS TAX, AFTER THAT I CLOSED ALL MY ACCOUNTS WITH BANK OF AMERICA, AFTER I FILED MY XX/XX/XXXX TAX RETURN WITH THE HELP OF PREPARER, THE IRS IMPOSED PENALTY AND INTEREST.NOT MY FAULT. 

IN SUMMER XX/XX/XXXXWHEN I WAS TRYING TO GET MY FUNDS FROM XXXX, XXXX KEPT MAKING MISTAKE AFTER MISTAKE.I HAD TO GO TO POST OFFICE AT LEAST THREE TIMES.THE PEOPLE IN FLORIDA WERE ANGRY AT THE MISTAKES MADE BY XXXX.THE LAST TIME SHE AGAIN FORGOT TO TYPE SOME THING .SHE TOLD ME TO WRITE IT IN.I HAD TO TELEPHONE FLORIDA AND REQUEST THEM TO ACCEPT THE FORM.IT COST ME TIME AND MONEY TO KEEP MAILING THE FORM. 

THE BEHAVIOR OF XXXX WAS TOTALLY UNPROFESSIONAL.SHE WAS INTERESTED IN MY PRIVATE LIFE.PERHAPS SHE WANTED RELATIONSHIP WITH ME.PERHAPS SHE HAD EYES ON MY MONEY.SHE EVEN TOLD ME TO GET MY SOC SECU. DEPOSITS TO BANK OF AMERICA.WHY SHOULD I DO THAT? 
I FILED COMPLAINTS WITH XXXX OF XXXX AND NORTH CAROLINA.ALSO COMPLAINED TO TEXAS AND NORTH CAROLINA ATT GEN. 

I GOT TWO PHONE CALLS FROM XXXX.SHE WANTED COPY OF THE LETTER FROM IRS.I ASKED IF SHE WAS GOING TO PAY ME MONEY.SHE SAID THAT SHE WOULD LOOK INTO IT.SHE CONNED ME INTO SENDING HER MY PRIVATE INFORMATION. 

I HAVE SENT AN EMAIL TO THE CEO OF BANK OF AMERICA THAT I AM NO LONGER A CUSTOMER OF BANK OF AMERICA.I DON'T WANT ANY ONE TELEPHONING ME OR APPROACHING ME.IF I GET ANY MORE PHONE CALLS, I WILL HAVE TO FILE A POLICE REPORT OF HARASSMENT. 

THE CITIZENS NEED TO BE PROTECTED FROM THE BANK OF AMERICA. 

I HAVE REQUESTED THE GOVERNOR OF TEXAS TO CLOSE THE BOA IN XXXX XXXX, TEXAS. 

WHEN BOA EMPLOYEES CAUSE LOSS AND TROUBLE TO CUSTOMERS, THE BANK HAS AN OBLIGATION TO COMPENSATE THE CUSTOMER. 

ANY ONE DEALING WITH BANK OF AMERICA WATCH OUT.BERCAUSE THE BOA EMPLOYEES MAY PULL A TRICK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your Equifax. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 

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 The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Product: Payday loan, title loan, or personal loan

I was desperate due to an emergency so immediate after paying off a title loan I obtained another. The whole thing was flaky and I pretty much never received what the company says that I did and the lady that had me sign the paperwork and follow her to the bank afterward doesnt work there anymore conveniently. She led me to believe that she needed to cash the check to give me the money but really once I got to the bank she came up to my car and asked me to go in. So being the desperate nieve individual at that time I did. Once inside the bank she straight up just left me in the line leaving me with no choice but to cash this check. I assumed I could keep the {$3500.00}. She quickly snatched the cash from my hand and said she needed to count it to drive and follow her back to the store again. She ended up only giving me XXXX. I never got a copy of the contract she made me signed contract or anything from these people. I received a release of lien letter by mail one day so I assumed that this meant the employee stole that money or something. Wasnt sure what had happened since again Ive never recieved a call or letter or anything. I went and got my title back at the XXXX and about a month later in XX/XX/2019 it was repossessed. I finally was directed to a lady who says shes the attorney and that she is putting me in prison for forgery!!!! Is this okay? They arent listed on the title and to date still have my car!