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

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra XXXX  days to fulfill my XXXX  request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Product: Credit card or prepaid card

Account # XXXX I have been a Capital one customer since XXXX. 
Capital one charge me {$39.00} annually membership fee. 
capital one makes a lot of money from me in inters rate. 
Recently I have been paying off every month the charges the I made. 
but in early XX/XX/XXXX capital decided to close my account. 
they wait until I max out the credit card. 
They claimed that I did not talk to I customer serve rep right and the conversation was from in XX/XX/XXXX. 
So why they didn't close the account from in XXXX are XXXX. 
And they did have the decencies to inform me, so I don't used the card. 
I find out when XXXX alert me that my account was closed. 
by capital one closed my account my credit score went down by XXXX points
Product: Debt collection

Resurgent/LVNV is a Debt collecting agency and has been on my credit report for years just causing damage to my consumer report. I have NO contract or agreement with LVNV. I contacted them numerous of times in XXXX and XXXX requesting validation of debt pursuant to 15 USC 1692. They have only sent me in return basic generated statements. They have added 2 separate accounts in my credit report. These accounts are unverifiable, In addition, They are NOT legally authorized to be collecting any debt from me. Resurgent/LVNV is not licensed in my state FLORIDA. to be collecting from me. They are violating The Fair Credit Reporting Act. 


Account Info : Account Number XXXX XXXX Reported Balance {$780.00} Account Number XXXX XXXX Reported Balance {$710.00} Account Status COLLECTION
Product: Credit reporting or other personal consumer reports

i have been disputing XXXX XXXX XXXX about reporting inaccurate information on my credit report and they still come back as verified. they are in violation of 15 usc 1681e ( b ), 15 usc 1681s-2 for not re-investigation of the inaccurate information. I am requesting deletion of this account from all 3 CRA 's or i will send this to my lawyer for arbitration.
Product: Credit reporting or other personal consumer reports

Exeter Finance LLC submitted a Certificate of reinsertion request to XXXX in regards to an acct # XXXX. Ive submitted several identity theft reports in regards to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Please update with removal USC Sec 15 1681, 1682. 1683. 1684, 1692g These accounts continue to show up in Equifax FICO scores and Equifax Vantage scores. both of these accounts were removed by Equifax at the end of last month. Can you please update so that it reflects on my score correctly. 

XXXXXXXX XXXX {$140.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/XXXX Sincerely, XXXX 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 and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX # 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 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 card or prepaid card

Today, XX/XX/2021. I contacted Wells Fargo/XXXX XXXX for a credit line increase. They wanted to do a hard credit pull I said no and stated why and then disconnected the call. Roughly two hours later I see that the hard credit pull occurred without my consent. My FICO score went down 7 points immediately ( I check my credit daily ) and it happened right after the credit pull. I called and filed a complaint and they said it may take 10 business days. This was an illegal credit pull and with the 7 point drop in FICO, I have already suffered damages. I would give my consent for you to pull that phone call to review. I would like this resolved with the full force of the FCRA ( Fair Credit Reporting Act.
Product: Mortgage

In XXXX we had to refinance our home mortgage due to lose of employment. We went with a mortgage company called XXXX. We were told this was a 30 year mortgage. After a while we kept being sold with my mortgage company always changing. In XXXX my husband pay had decreased. I had to close my business and we fell behind I tried to refinance at that time our bank was XXXX XXXX XXXX they would not refinance and stopped accepting our payments we could afford. My husband became very ill in XXXX of XXXX. We had XXXX childreen move back home and grandchildren. We had to meet a man in XXXX from XXXX XXXX XXXX who had told us to stop paying our payments and then i would qualified for the relief program. After a few months I got a foreclosure notice. I tried to find help and ended up being a victim of a scram. Now I we are working with Nationstar martgage where again I thought we were on a 30 year fixed mortgage that is what they lead us to believe. I was making payments of XXXX every month then in XXXX our loan went up XXXX I did not know this until XXXX when I called the bank to find out how i could be behind. At this time our wages our being garnished for medical bills which is more than our mortgage payment. I tried to explain we could not afford that they said it was due to my escrow. I kept making my payment of XXXX a month which they held and did not put towards loan until they had enough to make the payment so then it looked like I was behind then then two months ago they stopped accepting payment. I have lived in my house for 27 years and always made a house payment except for the aboved mentions. I bought my house in XXXX for XXXX which was paid off in fall of XXXX thats when we went with the XXXX Mortgage company I believe the amount we were financed for was around XXXX. I just dont understand how after paying all these years I now owe XXXX. I have been deciding to give my house back to the bank I found out after checking different options I am not on a fixed mortgage and my current loan is for 45 years. My husband had brought home an article from work thats how I found you. I hope you can help Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE OF ERROR AND OPPORTUNITY TO CURE WITH INSTRUCTIONS Overview It has come to my attention that account ( s ) # XXXX, # XXXX, # XXXX reported three ( 3 ) times, # XXXX as well as 17 unauthorized uses in the form of inquiries that I discovered as well. So since 15 USC 1681 ( b ) states the reporting of my consumer report shall be fair and equitable to me, the consumer. That being stated, I would like for you to provide the documentation that has my expressed consent given even allowing you to allow anyone or any company to furnish reports on my consumer report or the documentation that has my express consent given allowing your agency to hold and distribute my private property. You are reporting inaccurate as well as unverified information pursuant 15 USC 1681 ( n ), ( o ) which holds your agency liable to me the consumer {$1000.00} per violation for failure to meet requirements of the law due to willful non-compliance as well the damages I have incurred due to negligent non-compliance, everything your agency is reporting is adverse toward me the consumer and if these issues are not cured within 72 hours from the reading of this notice an opportunity to cure by becoming fair and equitable on behalf of me, the consumer. I will be pursuing damages in small claims. I would like every account verified and reported accurately. I will be forwarding all correspondence to CFPB, FTC, Postmaster Inspector General, as well as the IRS. If your agency doesnt respond or perform within the time specified above i shall assume you are in agreement with the facts stated herein and will wire me XXXX as an out of court settlement for defamation, mental stress, financial hardships, violation of my privacy which is furnishing my PRIVATE information WITHOUT MY EXPRESSED PRIOR CONSENT which is a right recognized within 15 USC 1681 & 1692 consumer has the right to privacyunless your company or any of your constituents can produce such document ( s ) of me granting you or any of your constituents the permission to report inaccurate and unverified reports if such document ( s ) exist. Hopefully we reach an amicable resolution as this is done with clean hands and in good faith without prejudice. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX XXXX Representative
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/22 I received a letter from Bank of America for an application for XXXX  XXXX XXXX XXXX card. Claiming I applied for the card and that I contact them within 30 days or call. Claiming they carefully reviewed my application and credit report ( s ). 
I applied for a credit card a couple of months ago but not the XXXX  XXXX XXXX XXXX card. I will notify all three credit report agencies today to report this as well.
Product: Debt collection

i have done no business with these third party debt collectors ive requested proper debt validation in which is still not available and ive also filed reports of identity theft this is in violation of fcra policy due to improper debt validation with signed contracts or some sort of information to prove that i been provided a service from this company
Product: Debt collection

AMSHER COLLECTION SE was notified of their mistake in placing a debt on my credit report that was not mine. They did not provide proper notification per the FDRA before they placed this item on my credit. Had they done so they would have been notified that this debt is not mine and proper means to show proof would have been presented to them. AMSHER COLLECTION SE after being notified of their mistake ran my credit again and put the debt on my XXXX and XXXX reports twice on each report. This happened after my first complaint to the consumer finance department and my letter sent to them directly
Product: Debt collection

When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.
Product: Credit card

its been almost more than 3 months my checking account and credit card is on restriction, there was some suspicious activity in the past on my credit card but that was resolved but bank did not lift the hold from my card, im calling them from 3 months four or five times in a week and requesting to remove the restriction from my account, they always put me on the hold for so much time then they ask my every personal and identity question and at the end they said visit the branch, the problem i can not visit the branch im too old im XXXX XXXX XXXX, i was in the hospital for 2 months i request them that please try any other verification method but they are not accepting my any request. Although i talk to some senior security executive officer her name was XXXX i explain the whole matter but she also did not understand me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suibmitted a dispute to Equifax on XXXX, they have failed to respond to my letters sent to them, and I am now demanding a full investigation. I am attaching the letter I sent on XXXX to them.
Product: Credit card or prepaid card

( a ) Back in 2020 I have submitted to Citi a group of ( 7 ) disputed transactions on my account to which the merchant owed me full refunds. From the 7 transactions, Citi only processed 2 items complete refunds, and 4 items Citi split and processed only partial refunds, leaving the 4 items uncompleted and 1 item skipped in its entirety. I believe Citi mishandled these items as there is no rational as to why 2 items were completed, and 4 just partial split amounts, with one none. The same processed that was followed on the 2 completed items should have been followed on all 7. See attached my letter with full details. ( b ) Citi was also due to refund me for approximate {$6500.00} in interest fees charged on the above mentioned items. None of the interest fees has been refunded despite of repeated promises that I would see those adjustments on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid-19, my income was reduced. I fell behind on one credit card payment, my Chase  card credit card. I didnt know to contact them before hand and after I caught up on the payment that was behind, I thought everything was fine. Ive repeatedly asked multiple people at the company to remove the late mark on my credit report due to Covid and Chase utterly refuses because I didnt call beforehand. The Cares Act clearly states that Chase has the ability to help and they are refusing to help. 

Cares Act, SEC 4021.SECTION 623 ( A ) ( 1 ) ( i ) ( I ) Credit Protection during Covid-19 Please contact me at XXXX or XXXX XXXX
Product: Vehicle loan or lease

This is more of a general complaint towards commerce bank. 

Commerce bank engages in shady practices by not allowing users to enroll in auto pay electronically like 99.9 % of banks that do auto loans. 

When logging into commerce bank with your username and password, you can not make a payment with out entering your loan number. Your loan number is not disclosed in the online account or provided by their " secure message system ''. They will force you to make a phone call to customer service to retrieve your loan number. 

There are no payment reminders or anything by email, with the lack of electronic auto pay enrollment they are hoping you go past their 5 day grace so they can bill late fees. 

Even with ACH they charge you a {$5.00} payment processing fee to pay by checking account routing and account number which is not disclosed by the dealership to the customer when signing for the loan. 

All in all I've had maybe 60 auto loans in the past 10 years and commerce bank is the only institution I've found to engage in shady business practices to make paying your bill hard.
Product: Student loan

My Daughter XXXX XXXX took out a student loan with this bank in 2016 in the amount of {$100000.00}. I was the Co signer on the loan. The loan was to pay for her XXXX  at XXXX University. It was a consolidation of the loans she used to pay for school. I have had accounts with this bank for the past 15 years or more. I have had very large mortgages with this bank in the past. I have at one time been a Private Banking Client of this bank. So I have a long history with them. XXXX  travels extensively for her work, both domestically and internationally. She is at our home maybe three or four times a year and has some of her mail sent hear, which we do not open. She is XXXX years old.Approximately two weeks ago she learned that the bank had charged off her loan and was offering a settlement of {$40000.00} over two years. At that point it was her understanding that the loan was on auto pay. Apparently it was not. She therefore missed four payment and they charged the loan off. When I heard about this, I was very concerned about her credit and my credit, so I called XXXX XXXX. at XXXX XXXX XXXX extension XXXX. He said we charged it off and I have to talk to the recovery department which I did. Ithen spoke with four different people and ended back in XXXX  office. I explained to them that I never was told the loan was in default. They said we sent you a letter. I said I never got a letter. I told them I would be glad to make all the past due payments if they would tell me how much it is. I said I will pay you within 24 hours. They said too bad we will not reverse the charge off. I told them you made no effort to get me to pay these amounts. That is why you wanted me to sign on the loan in the first place. The loan has a provision whereby either side can request arbitration and i was denied that right because they just wrote it off. XXXX  said we have a " do not call '' notation on your file because we called you one time and you said don't call me. so we never contacted you. What actually happened was they had called a couple of times to tell me XXXX was late and I said don't call me when she is late call her. I then told her to make sure she paid them. I do not think this bank made any effort to let me know that the loan was in arrears. All they did was send me a letter and i never saw that letter. XXXX comment was you should open your mail. I said XXXX  I am a XXXX XXXX and XXXX XXXX. I deal with Guarantees and Letters of Credit all the time. I have an excellent credit rating. If I had known about this I would have fixed it. I now know about it and I have told you I will fix it and you have essentially said we do not want your money. We are charging this off. Thereby potentially ruining my credit and XXXX. I told him that for a {$100000.00} they had an obligation to do more than send me a letter which I never got. I need some help on this. The bank is not being fair or reasonable. Thank you.
Product: Checking or savings account

Last month I paid my dad 's XXXX TV bill over the phone with my debit card. My dad was low on cash and payment was due. Well XXXX charged his payment again ( this month ) without my authorization on XXXX XXXX. My father called to tell them the contract was in his name and they should use HIS debit card and they told him to call back the next day which was XXXX because the charge was still " pending ''. When he called back, they said tha there was nothing they could do. I tried to dispute it thru Chase Bank, telling them that I did n't authorize the 2nd charge or recurring charges. Chase wo n't do a XXXX thing. I am concerned that XXXX will charge NEXT month 's payment and Chase still wo n't do anything to stop future auto-payments. I 'm left with claiming my debit card as lost/stolen and now hate my bank.
Product: Vehicle loan or lease

CARMAX AUTO FINANCE HAS BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes. CARMAX AUTO FINANCE and their inaccurate reporting have damaged my livelihood.

The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. CARMAX AUTO FINANCE reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system. 

CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for CARMAX AUTO FINANCE to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that CARMAX AUTO FINANCE are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that CARMAX AUTO FINANCE clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 

I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following Account inaccurate! XXXX
Product: Student loan

I have resubmitted the recertification application for my Income based student loan to NAVIENT in XX/XX/XXXX along with a copy of my paystub that show a 2 week pay period. 
In XXXX, I received emails that my student loan monthly fee was increasing to {$740.00} from my original payment of {$220.00} This monthly payment is automatically deducted from my checking account as my payments are submitted from an auto pay checking account. 

I have tried numerous times to reach out to Navient by phone only to get the call dropped or put on hold for an extended period. I even resubmitted all off the required documents AGAIN only to be told they are collecting {$740.00} from my auto pay checking on XX/XX/XXXX. 
I explained that I had submitted the documents in XXXX and asked if the auto pay date can be extended until the end of the month to ensure the correct amount of {$220.00} could be withdrawn. I was told there was nothing that they could do and that I will be required to pay XXXX regardless of my income based payment plan of XXXX. I explained that I do not have the extra XXXX to pay this amount based on my income as a single adult grandmother with XXXX grandchildren. This creates an extreme hardship on my family as the only money allotted that is left in my account is the rent. I have made an effort for the past year and a half to make on time payments despite the hardship. At this point i will have no choice but to block this payment with my bank to avoid insufficient funds fees and this payment will be reflected as late on my record. 

Please help me - I have asked for a supervisor via my phone follow up with a customer service rep today but was disconnected I am still trying to reach a supervisor at this time.
Product: Credit reporting or other personal consumer reports

This company is hard to deal with, they harass you constantly and they aren't understanding as I have had to be in between jobs for a brief time, they call you constantly! I pay all my bills on time and NEVER have dealt with a company like this and it's aggervating because they report you like they do and they don't follow the laws as they should!!!! I would never recommend GM financial to anyone!!!! They are a joke! They don't try to work with you and just report your credit not being understanding when life throws a curve ball!!!!