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

I have had this credit card since XXXX. I had credit repair lady trying to help me get my credit fixed, and disputed the XXXX  XXXX credit card. It took me months to get that card back on my credit report! And now that it was finally placed back on my report theirs XXXX late payments???? There should not be any late payments, I have disputed this so many times. With TransUnion & XXXX XXXX XXXX It was fixed XXXX and now it backs to XXXX late payments which is not helping my credit! I sent in proof to TransUnion of their dispute results a few months back that shows all payments OK meaning none late, but when I call them they are like you will just have to submits a dispute online thats all we can do! If I have the paper FROM TransUnion stating NO LATE PAYMENTS then thats exactly what it should be on my credit report! They like giving the run around to the public because they know eventually they will give up trying! But I will not! By law im intitled to an accurate credit report & TransUnion isnt doing their job!
Product: Mortgage

My husband and I have owned a condominium unit in XXXX XXXX, NC since XXXX. Our unit is covered by a XXXX XXXX policy, which includes, among other things, commercial coverage and flood insurance. This XXXX XXXX policy is renewed every XXXX. Our unit has a mortgage held by Truist Bank. Each year, the bank requires proof of flood insurance coverage. Each year we provide proof that the coverage has been renewed by uploading the new policy onto XXXX website. Each year, Truist replies that it is unable to proceed with updating the policy information and makes a vague statement about whether the date of the submitted documents are current. The policy submitted is always the current, renewed policy. Truist never supplies any list of what is missing in our submission, probably because nothing is missing. The policies submitted have always been renewed and current, showing coverage for the year, as requested by Truist. Each year since XXXX, we have had to go back and forth with Truist submitting the same documents showing current coverage until finally, after months of aggravation, stress and unnecessary wrangling, Truist accepts that the submitted documents do indeed prove current coverage. Although Truist provides a phone number for insurance questions, there is no option to speak with a living human being, and none of the other options is relevant. At least once, in XXXX, Truist tried to force us to pay for an insurance policy that it imposed on us, despite the fact that we already had and had provided proof of adequate flood insurance coverage. Last year I filed a complaint concerning this charade and, due to the CFPBs intervention, Truist accepted the insurance documents we uploaded without the usual dragged-out drama. I am hoping for the same result this year. I can not fathom why Truist engages in this parody each year, but I suspect it must have something to do with the banks hope that it can foist off expensive insurance policies on at least some of its customers. At any rate, I have attached the two insurance documents provided by our insurance agent and uploaded to Truist 's site, as well as Truists response. I am hoping that, once again, the CFPBs intervention convince Truist to read the documents submitted and accept them as sufficient to show insurance coverage, as they have in the past, albeit after months of wrangling.
Product: Student loan

I attended a for profit school known now, but when enrolled was not made aware. I attended XXXX College now closed since 2007. They were part of a Fraud, sued by many and lost the case. Now hundreds of students like myself are stuck with a debt and no valid degree. I went to a bankruptcy lawyer to try and file and they advised there were programs I am eligible to help. My degree is not valid anymore there is no record of XXXX College anymore, I need help for Navient to erase those loans. They refuse to try and help and instead insult me, harrass me, belittle me telling me I owe the money I should have known what I was doing. I was XXXX years old back then my mom knew little english. They knew we couldnt pay it. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquiries do not belong to me and were not authorized XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX
Product: Vehicle loan or lease

I requested the 1099C form as stated on my credit report the creditor has charge off the debt. The creditor is responsible for providing a paper copy of the IRS Form 1099-C to the Borrower ( copy B ) by XX/XX/XXXX of the year following the calendar year in which the cancellation of debt occurred. I have contacted them multiple times with no response. By law & According to the IRS, a charge-off is considered a loss, not income, and is not taxable income. However, if a debt is canceled, forgiven, or discharged, it becomes taxable income. If taxable, the canceled debt must be reported on the tax return for the year of the cancellation. The lender is usually required to report the amount of the canceled debt to the IRS and the debtor on a Form 1099-C, " Cancellation of Debt ''. This form should be used to prepare and file the income tax return. If the debt is taxable nonbusiness debt, it can be reported on Schedule 1 of Form 1040 as other income & im not able to do that as they are not in compliance with sending the 1099c form.
Product: Debt collection

PRA stated that they sent their initial notification letter to me on or about XX/XX/XXXX. I never received any letters from them. I would like to see a copy of that letter along with receipt, as well as the address it was mailed to. PRA claims to have spoken to me regarding a letter I received on or about XX/XX/XXXX. Most companies record for quality assurance, I would like to hear this conversation. I was not receiving and letters or calls from debt collectors in XX/XX/XXXX because I was enrolled in a debt relief program. It wasnt until the end of XX/XX/XXXX that I disenrolled.
Product: Checking or savings account

CFPB APPEAL REGARDING XXXX XXXX FROM Bank of America regulatory home loans division LETTER dated XX/XX/XXXX. Mr XXXX XXXX provided FALSE Ilformation to the cfpb regarding my loans lines if credit credit inquiries loan apps ( I will address all seperatelt ) recorded but not necessary valid. 
Bank of America denies a recorded loan # XXXX as per Mr XXXX XX/XX/XXXX letter. 
Attached is my XX/XX/XXXX XXXX credit report with the loan # XXXX recorded and documented that bank of America placed on my personal credit but denies it. 
BUT RECORDED ON XX/XX/XXXX XXXX  credit report it states # XXXX as BAC   LOAN but then XXXX ( as per attached screenshot from their XXXX XXXX report ) changed it to read as loan # XXXX as bank of America at XXXX in XX/XX/XXXX as per XXXX letter to me. 
MY PAID FAX # XXXX boa can send me the info anytime.
Product: Credit card or prepaid card

XXXX, XXXX XX/XX/2020 my account was the target of fraud and someone went to a ATM without my physical credit card and withdrew {$1000.00} from XXXX XXXX, CA. I submitted a claim to Bank Of America EDD and was presented with an adjustment credit of {$1000.00} to my account on XXXX XXXX 2020. I received a notice in the mail on XX/XX/2020 that my claim # XXXX was closed because it was believed to have been a subject of fraud and then temporary {$1000.00} credit was then adjusted out of my account on XXXX the XXXX, 2020. I still received my unemployment benefits to my EDD card and have not been able to access the last two deposits due to this negative balance that has resulted from the adjustment. I would like to have my claim reopened as I am in need of my funds and I do not know what else is needed to further substantiate my fraud claim. Speedy assistance and response is greatly appreciated
Product: Credit reporting or other personal consumer reports

On Sunday, XX/XX/year>, at XXXX XXXX XXXX I received an email from NetCredit stating that I applied for a NetCredit product through XXXX XXXX, submitted to XXXXXXXX XXXX XXXX XXXX XXXX XXXX My credit is frozen with all three bureaus ( XXXX XXXX and I did not initiate a credit inquiry with this company. 

Additional information included in the email communication states : The Federal Agency that administers compliance with this law concerning this creditor is : Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX. 

I am reporting possible fraud from this company & would greatly appreciate an investigation into the matter. Contact information for NetCredit included in the email is listed below : NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX ( XXXX ) XXXX Thank you for any assistance you can provide in this matter. I can be reached at mobile : XXXX ; email : XXXX XXXX
Product: Debt collection

On XX/XX/2020 I requested that Professional Debt Mediation provide me with competent evidence that I have any legal obligation to pay them. As of XX/XX/2020 I have yet to receive any documentation.
Product: Bank account or service

I am a Bank of America customer. I have a savings, checking, and credit card with them. I received an alert on my phone that I was charged a {$12.00} fee on my savings account for overdrafting my checking account. I did not overdraft my checking and called customer service. Remind you this is the XXXX or XXXX time that this has happened. I was placed on hold for over XXXX minutes and the representative still could not explain to me why I was charged the fee. I called back and spoke to another representative who was VERY rude XXXX XXXX from Nevada XXXX. He laughed at me for not understanding his explanation. He then said, " the computer system will automatically charge a fee if it THINKS you are going to overdraft. '' This made no sense to me and waived red flags. He then said, " that feature is for people that do not minitor your account as closely as you. '' This raised more red flags. I asked, so if I did n't notice and did n't call in then I would still be charged a overdraft fee, when I actually did not overdraft? I was laughed at and made to feel stupid because he could n't provide an answer that made sense to me. I was transferred to a supervisor, the fee was waived, and the supervisor had to do further research because she could n't provide an explanation either. This seems very suspicious and sketchy to me. It may be a glitch in their system, but I wonder how many Bank of America consumers do not notice these absurd fees? I apparently monitor my account to closely, according to Bank of America representative ; XXXX from XXXX.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a 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 reporting containing any of the following items of ( 2 ) information 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: Credit reporting or other personal consumer reports

Equifax, and XXXX XXXX, On XX/XX/2024 you Equifax, yet again sent me another ID request sheet. 

As well XXXX you XXXX XXXX XXXX yet again sent me another I D request sheet. 

I'm done with the whole ID game, For 18 years now you've played games with my livelihood. At this point you are now playing games with the livelihood of my company. 

Please allow me to reference CFPB complaint number XXXX Where on XX/XX/2024 I sent you copies of my West Virginia State ID and my Social Security card. Directly to you through the cfpb platform. 

This shows willful intent on your part to harm the very natures of my personal and business endeavors. 
Thank you for the additional evidence. 

Have a good day XXXX
Product: Credit card

I recently discovered an unauthorized hard inquiry on my credit report from XXXX ( XXXX XXXX ) which upon further review the entity for PayPal. Upon calling customer service I was told that " when setting up my account I must have selected that I wanted PayPal credit which automatically sent an application for the line of credit ''. I never once intentionally opted to apply for this line of credit and it is obvious that it was done in a deceptive manner when making purchases. I have been using PayPal for approximately ten years and never set up my account to use PayPal credit. Consequently my credit score has dropped nearly XXXX points from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

THESE ARE ACCOUNTS AND HARD INQUIRIES I DO NOT RECALL : ACCOUNTS : 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 XXXXB XXXX
Product: Credit reporting or other personal consumer reports

My account with those XXXX never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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 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: Vehicle loan or lease

XX/XX/XXXX VyStar Credit Union charged me an extra {$87.00} dollars for collateral insurance on the vehicle. Which made my car payment higher. They simply added on the insurance without informing me until months later. I called XXXX in XXXX and emailed them my proof of insurance from previous months and the month of XXXX. They said they will refund me my money problem solved. I went to make my XXXX payment and the bank teller asked me where is the rest of my payment. I make my payments every month on time so I was confused. She informs me that all my payments have been late and going towards the previous months due to the insurance fee added back in XXXX. I was not informed of them adding collateral insurance to my bill. And now XXXX is saying XXXX cant make my XXXX payment until I pay them the insurance fee. I have insurance on the vehicle and I have proof of insurance from XXXX to XX/XX/XXXX. They are just charging me u fair and unreasonable fees. XXXX is even saying they didnt get my full payment for the month of XXXX. Thats false when I paid them in full and extra.
Product: Credit reporting

I filed a dispute with you all back on XX/XX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the 1st round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted creditors with phone numbers provided. They say they do not have the ability to remove inquiries and to contact credit bureaus. Credit bureaus tell me to contact creditors. These are unauthorized and fraudulent!! PLEASE REMOVE THEM ASAP. 

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

I got a XXXX  with North State Acceptance XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the XXXX  and I had a payment agreed made with courts. North State did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to XXXX with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and XXXX still not fix it. Then after I made the payment left I get a alert that North State reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with XXXX for them to state the info was credit. How is this possible??? I contact North State and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.