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

This is not a verification dispute. USDOe/XXXX  Account # XXXX is old and is reporting 14 years on my credit report. 

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. USDOE/XXXX  actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX/GLELSI have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX/GLELSI has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old XXXX/GLELSI Account XXXX.
Product: Credit reporting or other personal consumer reports

A company Wakefield and Associates suddenly appeared on my credit report and has been contributing to my low score. I have no knowledge of this account and also do not have any knowledge of the company they say is the original creditor. I have no idea why this is being listed on my credit and hurting my score when it is not my debt and must belong to another with the same name or else is somehow fraudulent. I do not owe this company any amount of $ and have no contract with them or the company they are associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020, I have been disputing a Discover account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from Discover regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on XXXX -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on XXXX -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?
Product: Vehicle loan or lease

I have been working to pay off my loan with Toyota Financial Services. Over the last 30 days, I made over $ XXXX in payments to pay off the loan in its entirety ; {$6300.00} was paid towards the principal. I notice that when I made what I believe is my final payment in the amount of {$730.00} which was the balance of my account on XX/XX/2021, TFS still has yet to apply the payment to my online account. I scheduled the payment for XX/XX/2021. The payment and funds was immediately taken out of my account on XX/XX/2021. As of today, XX/XX/2021 the payment has not posted to my account and has been showing as pending for the last 5 days. Meanwhile, the TFS is steady accruing daily interest on the account. Whereas the balance should be XXXX, it is still showing an account balance of $ XXXX ( see enclosed ). This behavior from TFS caused me to revisit the account from its inception and I have notice this has been the behavior of TFS, i.e., immediately take the scheduled payment from my bank account, yet wait 3-7 days before posting the payment to the account only to accrue more daily interest. 

This is foul and corrupt corporate practices.
Product: Checking or savings account

Yesterday XX/XX/XXXX the Bank of America close my checking account and my saving account without explanation just said that they closed by his own decision, all my money was there I dont have money I literally on the street without money, they took more than XXXX between my checking and saving account without explanation I not fair. The XX/XX/XXXX y just did 3 transaction : to a business account, to a medic in XXXX and one to my fianc and she was a victim too because the bank clause her account too. 
And clouse my te credit card too so this is not fair because they are damaged my credit without an explanation.
Product: Debt collection

Company was paid in full and they are still reporting account as delinquent which is against the Fair Reporting Act. Their negligence towards consumer creditability is disgusting as if they are deliberately putting false information on people credit reports and they should be investigated for these practices.
Product: Checking or savings account

The company changed my account type without informing me that they would be doing so in advance. I believe this to be illegal. Moreover, I was transferred to an account type for which I most certainly would have had to pay a monthly fee. When I called I was transferred to a lower tier where the requirements for monthly fee waiver are lower. I previously had free checking and was told free checking was no longer offered. If it isn't illegal already, it should be illegal to make those changes without informing the consumer in advance. I'm looking into taking my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2018-present Equifax has admitted that they imputed the wrong information under my social security and froze my account when a mortgage lender tried to check my credit. I have called and sent current documents every day sense last Monday but no one will tell me if the documents were received and how long this will take. It is causing stress as my family and I have already put in an offer on a house.
Product: Money transfer, virtual currency, or money service

While we were in the process of closing on a home in South Carolina, I received fraudulent wire transfer instructions for sending money to the closing attorney. On XX/XX/XXXX, I wired {$200000.00} for my XXXX  account to XXXX XXXX, XXXX XXXX Account SC at JPMorgan Chase Bank. On XX/XX/XXXX, I wired {$250000.00} from my XXXX account to the same account. About two hours after the second wire, it became apparent that this was a fraudulent account. I notified XXXXXXXX XXXX XXXXXXXX who filed a report with Chase. I also filed a IC3 report with the FBI who also notified Chase that the transaction was fraudulent. We tried to speak with someone at Chase, but they would not speak to us. I have since worked with the XXXX XXXX on this issue and have learned that the two deposits remained in the Chase account for almost one month before the funds were withdrawn. Obviously Chase had able time and opportunity to freeze and return the funds after receiving notification from the FBI, XXXXXXXX XXXX XXXX. While I admit that I " fell for '' the scam, Chase had plenty of opportunity and I feel the responsibility to return the funds since the funds remained available for almost one month before they were withdrawn. XXXXXXXX XXXX XXXXXXXX have also done very little to correct the situation, only contacting Chase once. They have since told me to stop calling them. I feel Chase should return the funds.
Product: Credit card or prepaid card

A credit card call SYNCB/Care Credit was opened and my name and is now showing on my credit report. I have disputed the account but it is still showing and they have updated the information. I have sent over police report, FTC report, dispute letters, I have asked for a validation letter, but I have not received anything but an update on my credit profile. Please delete this from my XXXX, XXXX, and XXXX report. This has cause a lot of issue in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I called my credit union ( bank ) to ask about loan rates ( in general ). They then ran an inquiry on my name, without my permission, and called it a mortgage application. I found out about it immediately & called them to demand them to remove the inquiry. They said they did, but that it might take up to 30 days until it disappeared. I then had them send me a letter stating that this inquiry was run on my by THEIR mistake & that I did not make any loan application ( not mortgage or otherwise ). It's now been 1- 1/2 months & it is still showing on my credit report. This is WRONG.
Product: Checking or savings account

On XXXX, {$300.00} was withdrawn from our account with a debit card number to XXXX, not authorized by my husband or I. {$300.00} for a wire transfer, {$9.00} service charge. We have never used XXXX XXXX before. We immediately called Chase XXXX to report these as fraudulent. They opened a claim and put the funds back into our account after 24 hours. About a month later, the charge reappeared as a " Reversal '' in the same dollar amount. Again, we called Chase XXXX, who informed us that XXXX XXXX told them it was a legitimate charge. Debit card #, address, and my husband 's name entered as payment info. No PIN was entered. The debit card was never lost, it was in my husband 's possession, so he was not negligent by not reporting it stolen. 
The Chase fraud representative supplied me with the IP address, the name of the person the wire transfer was sent to XXXX someone out of state, incarcerated in a correctional facility ), and the email address the purchaser used, with her first and last name. Clearly a fraudulent issue. Chase said they would give us our money back, because XXXX XXXX said it was not fraud and would not pay Chase for this charge. They told me to contact XXXX XXXX, and were rude to me and would not acknowledge it was fraudulent. I asked Chase if they would return our funds if we filed a police report and the police determined it to be fraudulent upon investigation. Chase said they would not. They said even though it was illegal and fraudulent, because XXXX XXXX claimed it was not ( because they did n't want to pay Chase ), they would not reimburse us. How is this " fraud protection ''? 
My husband and I discussed and decided we would file a police report. The IP address the Chase representative provided me for the fraudulent transaction did not have periods in it, just numerical digits, so I realized I would have to call the Chase Fraud rep back and get the IP address with the periods in it so that I could provide to the police. When I called back, I was transferred several times and the rep I finally spoke with said she did n't see ANY of this information. She forwarded my request on to the allegedly correct department and we have not heard back with this information.
Product: Credit reporting or other personal consumer reports

I sent an arbitration anitiation notice by certified mail with return receipt to Experian and they have not responded to my request.
Product: Checking or savings account

Starting XX/XX/XXXX 5 deposits from the same issuing bank, 2 paper checks and 3 money orders have been held with no communication from Huntington bank, the first deposit was going to be held for more then 7 days until I proved to them the funds had cleared my clients account the very next day, and the issuing bank proved they had released the funds at the same time. Huntington kept telling me the holds were being extended because they couldn't verify funds, didn't recieve the funds, or suspected fraud, or they would put me on hold and never come back on the phone. The deposits from the issuing bank come from a trust and always clear their end 24hrs after I make the deposit, yet Huntington with no explanation or communication put 7 to 14 day holds on my deposits.

Locked me out of my account, when they gave me XXXX of my deposit then the very next day took the money back out of my account over drawing me.
Product: Debt collection

In XX/XX/2015 I was charged {$620.00} by XXXXXXXX XXXX XXXX.
Product: Debt collection

XXXX fraudulently cheat me erroneous charges for absolutely no service at all.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX  was 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

i got the information from my XXXX that showed experian will not provide the info on my credit score report.
Product: Debt collection

Since XX/XX/XXXX I have been receiving repeated and frequent telephone calls from AFNI a company engaged in the practice of debt collection. They calls have increased in intensity and caller identification information indicates that AFNI is calling on a frequency of two to three times a day. The alleged debt is unknown. I filed a previous complaint with CFPB against AFNI on XX/XX/XXXX. At the time, I indicated an issue of communication tactics. Despite a previous complaint regarding their communication tactics the company continues the harassing behavior. To repeatedly call on a daily basis for over four months is harassment.
Product: Debt collection

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with SPEEDY CASH XXXX but can not produce a trust or contract. They are a third party debt collector. SPEEDY CASH XXXX has lost their right to do business and collect in the state of Illinois. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Product: Debt collection

I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the XXXX  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the XXXX XXXX a documentation must be provided. You as a company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections XXXX not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX FIN # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

There is a medical company that states I owe them {$1300.00} and they sent me to two different collection agencies, I sent a letter to the first agency on XX/XX/XXXX requesting proof and never received proof. The second collection agency received a letter on XX/XX/XXXX at which time I also sent the same letter to the Equifax which states I am asking for proof I owe this bill that I have never received. Equifax sent me a letter stating the investigation says they have verified the item belongs to me. I do not understand how they were able to get proof of something I still can not get after a year of asking. I realize a creditor can just say on the phone that the account is valid even when it is not. This is unfair and has lowered my score. Equifax has kept an item on my credit report that has not been proven to be mine and I would like to report this an unfair way of incorrectly reporting on my credit. I would like the inquiry from XXXX Account # XXXX removed from my Equifax Report. All letters was sent certified.
Product: Debt collection

on XX/XX/21 I was notified by my bank that my account was at a XXXX balance. When I logged in to see what was going on all of my money had been put on hold XXXX dollars and some change. I called my bank and they informed me that they received a legal court order to hold my money for a debt. The bank provided me with the information on who to call giving me a number of XXXX I called and spoke to a woman I believe her name was XXXX and she informed me that I had been served and that they had mailed me letters she then told me the address they had on file and it was correct as well as my correct phone number. I told her that since she had all my correct info why was no attempt made to collect this debt using those means and her response was no reason only that I had been served. I then asked if it was signed for and she said no I said so you are taking the word of some one that has no proof of the job they claim to have done. She then asked me if I would like to set up a payment plan. I am still in shock as I honestly did not even know I had the debt. I would attach documents if I had any to attach as I have not received any information in regards to this debt I have no info to provide.
Product: Mortgage

I applied for a refinance of mortgage that I have been paying on since 2017. The property once belonged to my deceased son, through probate court I became executor of the estate. The mortgage company listed my name on the monthly mortgage statements. On XX/XX/XXXX I applied online with the XXXXPHH Mortgage Services mortgage for refinancing of the two mortgages ( loan XXXX and XXXX ). I wanted to get just one mortgage at lower interest rate and backed by my VA certificate since I am a veteran. After receiving no communication from XXXX/PHH Mortgage Services, I checked the status of my loan application and it showed there was two tasks to complete but huge red bar at the top stating " inactive ''. There was no explanation why it was inactive or rather the loan was denied or what other reasons. This home has sentimental value to me. I wanted to assume or purchase it under my name as well as with my daughter as co-borrower.
Product: Payday loan, title loan, or personal loan

I took out a loan with Lending Club in XXXX. In the last 6 months I have struggled to make the payments and started working with a debt management company to help settle the debt. The debt management company took my payments but did not settle the debt and a a result, Lending Club charged off the loan. I filed a complaint against the debt management company with CFPB in XX/XX/XXXX. I have since reached out to Lending Club and asked that they reopen my file and help set up an affordable repayment plan. I called Lending Club twice and emailed. They are refusing to work with me as a customer. They will not return my correspondence. 

I want to pay off this debt in affordable payment plan and I want the " Charge off '' notation removed from my credit report.
Product: Credit reporting or other personal consumer reports

I Listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.