23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and myself is trying to purchase a home, and this is affecting our mortgage. Back in XXXX  I applied for an apartment ( XXXX XXXX XXXX XXXX XXXX ) we did not get approved. We were told we would receive our deposit back if we did get approved due to our credit. I have gone back and forth for 3 months trying to get my money back and the refuse to give it back. So, I disputed with my bank and funds were given to me {$200.00} each ( for myself and husband ). Bank completed the dispute with no accurate information and XXXX XXXX sent us to collections. I called National credit systems to resolve this matter which is the credit agency who bought the account over from XXXX. I spoke with someone she advises that she can dispute the collection with all 3 credit bureaus if she finds errors such as incorrect information, but she needed to check with me paying {$1.00} to check my credit history she ran my card for the {$1.00} she saw them on my credit and husbands XXXX XXXX XXXX she advises she found two errors I had 2 different move in dates in XX/XX/scrub>XX/XX/XXXX which that was a red flag because you can not have two different move in dates. She asked me if i wanted to dispute them I said yes because i was not entitled to pay that as it was supposed to be given back anyways because we did not get approved. So, she said to proceed we must pay {$190.00} each to them they will send a letter to all bureaus to have it removed because they had un accurate information being used. My bank disputed this and closed the claim due to inaccurate information. That is illegal and bribery to take money from someone to have something removed. XXXX XXXX 's reviews and National credit system is known for this, and I would like it handled and removed from my report and husbands asap. I have gone through a lot dealing with these people since XXXX  and is now affecting me because of it. They never answer their phones and when they do they say they no longer have my account i need t speak with National.
Product: Checking or savings account

In early XXXX I was in the final stages of refinancing my mortgage. Per my new mortgage company, they instructed me to go ahead and make my XXXX payment ( {$2600.00} ) to my current mortgage company ( XXXX XXXX XXXX  ), just in case of a delay in closing. So I scheduled my XXXX payment using my bank 's ( Bank of America ) bill pay system like I have done for the past 5 years for payment on the XX/XX/XXXX. 

On XX/XX/XXXX, we closed on the refinance and on XX/XX/XXXX the old mortgage was paid off. On XX/XX/XXXX the XXXX mortgage payment was sent via Bank of America 's bill pay system to XXXX XXXX XXXX via ACH. On same day ( XX/XX/XXXX ) the draw was returned by XXXX XXXX XXXX  via ACH. 

I contacted Bank of America, and they are pleading ignorance of the issue and refuse to return my money or credit my account.
Product: Credit card

Care Credit opened XX/XX/2022, sole purpose to use for medical needs as they arise. Used XX/XX/2022 but paid balance off in XX/XX/XXXX, carried XXXX balance with a limit to use for future needs. Care credit closed acct at the " recommendation '' of the credit bureau bc it had a high risk negative effect on my credit! A good standing account with XXXX balance owed. Advised me to reapply for a NEW card/account and of course I was now denied. My credit score was directly impacted by CLOSING of account by Care Credit/synchrony bank
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXXXXXX XXXX XXXX XXXX due to account laid in full Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house as a first time buyer & and getting a new car.Experian violates my rights as a consumer, as well as federal laws.
Product: Money transfer, virtual currency, or money service

Attempted to contact Robinhood due to a failed transfer of assets. However, it is not possible to contact the company. I tried using the call me function which they advertise. However, I was waiting in line for over XXXX hours. I then tried to use the chat function which makes you leave the line and again I was on hold. As an investment brokerage they should have some fiduciary duty to provide customer service for customers wishing to transfer in/out of assets. 

I want the customer service people to call me back and would like to make sure Robinhood keeps up with their obligations to ensure customers have a customer service line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a delinquent balance with USAA credit ( account ending in XXXX  ), via a routine credit notification service the night of XX/XX/XXXX. Prior to this check, I maintained a perfect credit score for over 15 years. I called the day of XX/XX/XXXX, to rectify the balance and request that the delinquent report be removed. I spoke with ( person ) in banking who transferred me to ( person, # ) in collections. 

I was then informed that the above mentioned credit card that had been on autopay since the account was opened in XXXX, was not on autopay. I was not notified via email or phone of the delinquency. When I inquired, I was told that the documents were listed under new document in the online account, but no email or other notification indicating that any account with USAA was delinquent was sent. When I asked why I was not called about this, the representative said USAA calls people all the time. When I asked about [ removing the charge as a courtesy ), as I had banked with them since XXXX with no previous delinquencies or issues, they said that it was not their department and that I would have to fill out the form on the website for credit disputes. When I pulled up the page, it said that USAA policy dictates that they will not remove accurate information from credit reports. regardless of dispute. When I read this to the debt collector on the phone, she reiterated that she wanted to make sure payment was collected so no further delinquencies would be reported. I did make the payment in full. They said that an investigation would be completed if I were to submit a credit dispute to USAA online, but in the interim, my credit score dropped almost XXXX points. Furthermore, following the phone call, I immediately tried to submit the form on USAA, but each attempt to submit resulted in an error message on their website ( INSERT ERROR LANGUAGE ). 

My credit score has dropped substantially due to no fault of my own. This has ramifications for rentals, job applications, and basic security. When I was made aware of the balance, I paid it in full, as I always do, including all fees assessed with the previously unknown delinquency. 

The Consumer Financial Protection Bureau has listed canceling autopayments without sufficient notice in their Summer XXXX Supervisory Highlights under section 2.2.2. 

The supervisory highlights publication describes this action as institutions engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ) prohibited by the Consumer Financial Protection Act of 2010 ( CFPA ). 

Supervisory Highlights. ( XXXX, XX/XX/XXXX ). Consumer Financial Protection Bureau. Section 2.2.2 https : //www.consumerfinance.gov/compliance/supervisory-highlights/
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Inquiries and Demand for No Requirement of FTC or Police Report Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute.

Upon reviewing my credit report, I have identified 3 differente but looks like rep
eat because 3 same day the following unauthorized inquiries : Company name Date of inquiry XXXX XXXX XXXX XX/XX/year> another XXXX XXXX XXXX XXXX XX/XX/year> and the last XXXX XXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer.

I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA.

Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Debt collection

I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : Synchrony XXXX Synchrony XXXX Synchrony XXXX Synchrony XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.
Product: Debt collection

The debt collectors listed have reported debts to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of the debts or proof of their right to collect. These actions have harmed my credit profile and caused undue stress. 
I am requesting validation of these debts, including proof of notice, tracking numbers, and legal agreements showing their right to collect.
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 and confidentiality under 15 USC 1681 : 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 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: Debt collection

Portfolio Recovery is reporting an account on my credit report for {$580.00} in collection. 
I send a dispute to the credit bureau on XXXX of 2020 to investigate this account. The credit bureau replied that the collection agency verified the account to them. I sent the collection agency a letter on XX/XX/2020. I requested a fraud packet to fill it out and send it back to them as well as copies of the signed documents they have for this debt. As of today they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refiling this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be deleted from my files.
Product: Mortgage

Living in the area of XXXX that flooded, our home took on over 3 feet of water. We lost everything as we also had sewage backup into the house. Due to the large amount of devastation in our area and the fact that we had to vacate the home it took awhile to get our insurance company to inspect the damage. Once we received a check from them we sent the check to Ditech our Mortgage company. Since we are capable of doing the repairs ourselves we asked them to return the overage of approximately {$35000.00} to us. They received the check ( overnight mail ) on XX/XX/XXXX with a letter asking for them to pay off the account. 
I was told on one of the calls that it would take about XXXX working days for this to be done. As of today, 3 weeks later, nothing has been done with the check. I have called numerous times and each time I am given the run around with no real resolution although the people I talk to want to assure me they are doing the best they can. Today I was told the pay off check will be mailed from XXXX to their pay off center in XXXX. tomorrow. 
Why was n't this done 3 weeks ago? If it takes them another 30 days to release funds to us ( which they inform us is possible ) that means we will be out of our home for over 4 months before we can begin repairs so that we can even move back in. The least I expect out of any company is to meet the needs of the customers especially in situations such as what the majority of our neighbors are dealing with. The fact that they have had the check for 3 weeks and nothing has moved forward with it is beyond excuse! We are in great need of a quicker resolution which Ditech does not seem to understand the urgency of our situation. We currently have XXXX people, XXXX adults and XXXX children living in a XXXX bedroom, XXXX bath apartment as this was the only living situation we could find. 
We would greatly appreciate help in getting a quicker resolution to this. Ditech being very vague in giving us a time frame of anything less then 30 days is not helping the mental frame of XXXX lives. 
If you need more information I will gladly assist. 
XXXX and XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN CHARGED THREE TIMES FOR A FREE CREDIT REPORT. 

ON XX/XX/XXXX CHARGED {$12.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$1.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED THE REPORT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$21.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD UNABLE TO REACH ANYONE ON THE TELEPHONE I AM A XXXX XXXX   VETERAN
Product: Credit reporting or other personal consumer reports

I am disputing XXXX late payments displaying XXXX days at the end of the auto loan on my Santander Consumer USA XXXX XXXX account, reported on my credit reports. I have attempted to contact Santander multiple times by phone, but their automated system states they have no record of my account and does not allow me to speak with a representative. 

XXXX : XXXX - XX/XX/year> XXXX : XXXX - XX/XX/year> *Please see XXXXbureau credit report attached. 

I disputed these inaccurate late payments with XXXX, but they simply added a dispute notation and claimed Santander confirmed them. This is unverifiable data. Santander can not confirm an account they have no record of, and the Fair Credit Reporting Act ( FCRA ) requires that all reported data be accurate and verifiable ( 15 USC XXXX ). 

Since Santander is failing to verify or even acknowledge my account exists, these late payments must be removed immediately as they are blocking my access to credit. I am unable to secure an auto lease because of these inaccurate late payments. Please investigate and force Santander to either properly verify the data or delete it. ''
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and, Account # XXXX 
XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 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: Debt collection

I am filing a complaint against Mariner Finance due to the practices of the company. Dealing with Mariner Finance I requested multiple times to not contact me until after XXXX Monday - Friday due to the circumstances of my employment. Not only has Mariner Finance violated my rights it was as if I never requested for them to not call me between the hours of XXXX - XXXX. 
Due to their violation, I requested {$1000.00} per violation. I am backing up my claim under Fair Debt Collection Practices Act : 15 U.S.C 16929C ( A ) ( 1 ) which states at any unusual time or place or a time or place or which should be known to be inconvenient to the consumer. In absence of knowledge of circumstances to the contrary ; a debt collector shall assume that the convenient time for communicating with a consumer.

Marnier Finance has constantly contacted me at numerous inconvenience times which could have led to other consequences at my employment, as a result they have violated my rights plenty of times but here are the most accurate times they have contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this was after I asked them not to contact me until after XXXX pm XX/XX/2023 XXXX am XX/XX/2023 XXXX pm XX/XX/2023 XXXX pm As you can see through the complaint, Marine has violated my rights which make it to where the company is responsible for {$1000.00} each violated. 
If you have questions, you can email me at XXXX or contact me at XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>
Product: Debt collection

In XXXX  I found a vehicle online advertising for {$8900.00} from a company called XXXX XXXX XXXX XXXX MD, I put {$4000.00} down payment and was talked into financing the balance They finance the vehicle through CREDIT ACCEPTANCE a predatory Lender who I found you guys have a lawsuit against. I actually called you guys about this problem back in XXXX but you had little information on there practices I tried to return the vehicle XXXX days latter after I figured out the lies and deception that had me in but they would not take the vehicle back and I told them that I will not pay for it the vehicle went from XXXX XXXXXXXX my {$4000.00} to {$16000.00} to now {$28000.00} and they have destroyed my credit which is on my credit report I need some help
Product: Credit reporting or other personal consumer reports

I am having issues with XXXX and Transunion, things that should be removed, disputed, they're not, all they care about is asking money for membership, once you don't pay anymore, all the negative stuff go back to my report. They put whatever they want and I have no right to remove them, how is that fair. You should modify this system, we are now in 2025 it's time to give us a break.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.
Product: Bank account or service

Chase bank is handling a wire transfer payment to my account at XXXX. The payment was initiated on XX/XX/XXXX, but I still have not received the funds. The person who initiated the transfer has contacted the bank several times in the interim. Chase claimed they needed my full name, date of birth, nationality and place of birth and had " flagged '' this wire transfer. 

Chase has deducted {$30.00} from the payment for this service, but has so far not transferred the funds.