23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have repeatedly asked this online bank to verify whether they have in any way contacted any credit bureau regarding fees they illegally charged when I closed my account, or will contact any credit agencies, or in any way submit anything negative about my credit rating, and the bank has stonewalled deliberately for months, repeating fifty times only that my account is no longer overdrawn, which I have known for months. The bank does not remotely answer the simple question ; has it taken any action regarding my credit history related to my account closure? This bank should have its license revoked
Product: Credit card or prepaid card

On XX/XX/2022, I received a letter informing me of my request for a lower interest rate. 
I never applied for the XXXX XXXX Credit Card from Comemity Capital Bank.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, American Credit Acceptance has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but American Credit Acceptance reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an American Acceptance with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$340.00} This is a complaint against the major credit bureaus ( XXXX and TransUnion ). The reporting of this account is not accurate and I have disputed this with the credit bureaus and directly with the collector and original creditor. I also don't understand how these two credit bureaus are still reporting this account when the other bureau which is XXXX has already deleted it because they couldn't verify the reporting of this account. 

I believe the FCRA and FTC give us the right to dispute the account if there are errors found. It really shouldn't take me this long to have this account removed if there are still inconsistencies and any information is far from the actual and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 LOBEL FIN XXXX XXXX XXXX XXXX XXXX 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 COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX see attatched Reported by USAA account XXXX XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX  USAA XXXX OF DEBT ** DEBT DISCHARGED {$XXXX}, XXXX XX/XX/XXXX USAA XXXX TO XXXX  FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$XXXX} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a usaa number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? USAA CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT XXXX & XXXX THIS DEBT CARDHOLDER NOT LIABLE? USAA HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.
Product: Debt collection

Someone else put my name in a cable bill. XXXX  {$580.00} phone XXXX XXXX XXXX. XXXX XXXX sunrise credit service Inc XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Mortgage

I was charged a late payment for sending in a double payment on XX/XX/XXXX so I called them ( the person I talk to said this has been happening to a lot of people that send in extra payments ) I told him I put on the slip, payment and on the next line I put extra principal payment and they charged late fee? I called them on XX/XX/XXXX and they mailed me my late fee back. So I sent them my payment {$460.00} PLUS {$20000.00} for principal and the next statement on XX/XX/XXXX did not apply anything to my loan everything said Unapplied ( {$20000.00} ) and I am still charged interest on the original loan amount I oued in XXXX XX/XX/XXXX I got letter for wells fargo saying I requested loan modification, and I NEVER requested that, you would think they would realize I can afford my payment when I send an extra {$20000.00} with my payment .I FEEL LIKE THEY ARE COVERING SOMETHING UP, The new statement I received has the balance of XXXX but they put on XX/XX/XXXX that I have unapplied {$20000.00} please help I do n't know what to do? Also my other home with XXXX charged me 3 late payments last year for making double payments, I had to call them 3 times to get it reversed and and they kept saying my mortgage is with XXXX ( they are a loan serving co ) .i wonder how many people they do this to that dont pay attention to there statement.
Product: Mortgage

My loan was recently transferred to RightPath Servicing from XXXX XXXX last month. I created a login for Rightpath Servicing 's website to review my account. I just reviewed my account balance and noticed a charge for {$59000.00} in lender paid expenses. I attempted to reach a solution with Rightpath but was disconnected repeatedly. 

The company does not have an email address for me to send this request to so I'm filing a complaint due to the verbiage in the transfer papers that stated if the balance is incorrect and not disputed in a timely manner then the debt is assumed by the customer. My original XXXX  loan amount was {$210000.00} at closing on XX/XX/XXXX. My current unpaid principal balance is {$140000.00} as of XX/XX/XXXX. I recently was approved for the XXXX XXXX XXXX XXXXXXXX and received {$47000.00} which cleared my past due balance due to XXXX. The loan payoff as of XX/XX/XXXX is {$210000.00} which makes no mathematical sense. 

There were no lender paid expenses paid on my behalf. I'm requesting this amount be removed from my account immediately. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number # XXXX
Product: Credit card or prepaid card

I booked a hotel room for XX/XX/XXXX - XXXX using my Capital One card. It was booked through the Captial One Travel that's linked to the card. I paid {$270.00} at the time for two nights stay that was charged immediately to my Capital One card. When I arrived at the hotel on XX/XX/XXXX there was a sign on the door that stated that it was closed due to the Covid-19 concerns. I was forced to drive to another hotel and book another room. However my card was still charged for the original room with a closed hotel. I contacted Capital One that advised me they would back charge my card and remove it from my account. It was handled within a few days and the charge by Capital One Travel was removed. Then on XX/XX/20 it was re-charged again and I was told that the booking was non refundable and could not be reimbursed by Capital One Travel on my Capital One card. How can I be charged for a hotel that was not even open?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX XXXX informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XXXX  For reporting fictitious allegations and fraudulent debt Also I have informed Transuion XXXX and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action
Product: Credit card or prepaid card

Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called XXXX XXXX XXXX and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous lettters in which i kept documentation of to XXXX regarding reporting they are doing on my credit file. 
I have also sent them a letter from XXXX showing all 7 accounts are {$00.00} balance owed and yet they have not updated the information. 

XXXX -sent me a letter of the investigation rec 'd and sent me a letter showing they put balance due are {$00.00} and this was also sent to XXXX and remain with no changes. 

They took over 30 days this last request asked for more time and then closed the investigation as completed but no change. 

There are 7 load ( XXXX  ) XXXX all from XXXX and XXXX my Current balance is {$00.00} I asked that the information be updated. Still they have not complied, this is the last attempt then I will be filing in court a lawsuit against them. 

I ALSO RECIEVED A NEW LETTER FROM XXXX DATED XX/XX/XXXX, I DONT HAVE A COPY BECAUSE I SENT IT TO XXXX AND EXPERIAN AND FORGOT TO COPY IT. THEY HAVE THE INFORMATION SENT FROM XXXX THEY JUST KEEP SENDING ME THE SAME OLE RESPONSE AND NOT UPDATING MY FILE. IF I NO LONGER HAVE A BALANCE WITH XXXX AND IT SHOULD REPORT THAT ON MY FILE UNDER THE XXXX CREDIT ACCTS OR THEY NEED TO REMOVE XXXX ALL TOGETHER BECAUSE THEY ARE REPORTING INFORMATION WRONG.
Product: Vehicle loan or lease

Im refusing to pay this debt because of billing error and because of fraud and false deception of agreements and non didclosure and also no notice of right to recision of retail installment agreement dated XX/XX/2023.
Product: Debt collection

portfolio recovery associates llc calls me everyday including at work when im in a meeting. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) ''any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is ''the term '' ''credit card '' means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' notice congress said ANY card. the credit card is my social security card. this is the credit card I used to originate every consumer credit transaction for portfolio recovery associates llc
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Americollect XXXX XX/XX/2021 at XXXX ET concerning a collections account that was on my XXXX  credit report. I spoke with XXXX, one of their Collections Analysts. After inquiring with respect to the stated account she affirmed that Americollect would immediately update the account with the credit Bureau as paid the same day before the close of business, if I opted for their 'Pay for Delete, which I did. Following XXXX 's guarantee that Americollect would update the account with the credit reporting agencies and expedite my request, I concurred to pay off the account in full, as agreed. It was brought to my attention that if I made the payment over the phone with her that I would not be able to be supplied a payment confirmation nor would it post the same day. Preceding this disclosure I elected to make the payment on their customer portal with the credentials she furnished for my account. I requested that XXXX stay on the line to ensure that the payment was processed successfully. Upon receiving my confirmation from Americollect 's site while still on the phone with XXXX, she confirmed that the payment was posted to their system. XXXX then certified that the " Pay for Delete '' would be sent today ( same day XX/XX/XXXX ) and should be removed from my report in one to two business days.

Having seen no updates to my credit file, confirmation from Americollect or XXXX  account I determined to contact Americollect XXXX XX/XX/2021 seeking an update. I was transferred to XXXX, Collections Analyst who advised me my payment and " pay for delete '' update was not submitted until Monday XX/XX/XXXX. XXXX was instructed of the expectation, terms and arrangements coordinated and set in stone with XXXX on XXXX XX/XX/2021 at XXXX XXXX. She admonished me that the details which were provided to me were inaccurate. Being that they would not expedite anything to the Credit Bureaus, all payments made to Americollect whether online or over the phone are not processed until after 48 hours, and ultimately the payment posted date, in which I confirmed was received by Americollect after my payment. 

Succeeding this exchange with XXXX, I then requested to be placed with a Manager or Supervisor as a result of my dissatisfaction with my pledged expectations being unmet. Subsequent to my transfer I was connected to XXXX, Americollect Supervisor to express my great disenchantment and hurt. She went on to restate the particulars and details shared by XXXX. 

The FCRA law ensures that bureaus report 100 % accurate credit information. This is unfairly penalizing my credit score and I am requesting the account be removed as agreed upon and updated now. I have attached a copy of my payment confirmation to this file. All calls are recorded for quality and training purposes, so if need be I am requesting that the call be pulled from XXXX  XX/XX/XXXX at XXXX ET.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureasus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also I have multiple collections on my report when The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. This grounds for removal they also violated my rights under 15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX XXXX XXXX when I applied for a Personal Loan through www.rocketloan.com Rocket Loans forwarded me an adverse action letter from XXXX XXXX XXXX denying an extension to my credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
Rocket Loans and XXXX XXXX XXXX  is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Checking or savings account

The Bank Ive had for XXXX yrs. is putting charges onto a card and account that has been closed for XXXX weeks now back in the end of XXXX ( XXXX ) and i havent used these cards from XXXX since then. ( I cut them in half immediately when i closed my accounts ). This all started when i closed all my accounts at XXXX and went to XXXX XXXX just up the street from XXXX because citizens denied receiving my XXXX XXXX  payment ( direct deposit for many years ) becaused i'd already closed my accounts at citizens and told them SSA.gov has told me you got my XXXX payment and processed it but they told me they didnt get the payment ( a blatent LIE ) and wouldnt let me have it. Finally, XXXX got the payment back from them ( Citizens ) and sent it to my new financial institution> ( XXXX ). Now they are trying to extort money from me with collection letters and phone calls that i think look almost phony to me. Also the charge in question was paid by my mastercard at my new bank and i have the proof. I have documents to add to my complaint but no way to load them here online but i can send them in US mail or fax them to you. thank you
Product: Credit card

Chase was my first credit card, opened 18 years ago. 
I am not currently in the US. While I was away from home traveling, Chase closed my account without my consent because have not been using my Chase card for a couple of years. 
Chase sent me a letter saying Chase would be closing my account but I haven't received it. I have never seen or heard of a financial company canceling a long-term customer 's account without any reason. 
Now that Chase has closed my oldest credit card account, my credit score has dropped XXXX points. 
I'm really disappointed and I never thought my first Credit card company would close my account like that.
Product: Checking or savings account

Bank of America is discriminating against XXXX citizens and permanent residents that of XXXX origin. I am attaching a post from their website to confirm this act. 

Discrimination against anyone based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a fundamental violation of human rights in the XXXX. 

Why are you condoning this behavior from Bank of America?
Product: Mortgage

My friend in AZ is selling her home and shopping for a new loan. I am not licensed but offered to help her find a reputable lender.   Her existing loan is with USB. She contacted  XXXX   XXXX   XXXX  at USB and asked for an itemized breakdown of their fees.   She was first told by him that her rate would be higher because her loan amount was not the 'standard ' and below {$150000.00}.   He then refused to give her and itemized fee sheet claiming this was a loan estimate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian Credit Bureaus needs to update credit profile accounts. In regards to each IRS filed 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX. XXXX. and transunion did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my business. 
These are the following accounts that were not removed. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX BANK Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # XXXX.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AM NOT A XXXX XXXX AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY OWN. 

On XXXX24, I uploaded a FCRA Section 605C Self-Attestion form for XXXX XXXX  victim to Equifax, and also mailed with return receipt the same document which was received on XXXX24. I was informed by the agency whom certified my XXXX XXXX Determination Document that they had corresponded via e-mail with Equifax about the validity of the document.Equifax representatives questioned which government agency authorized XXXX XXXX  to make XXXX victim determination.This is clearly against the law to even ask this question, when the documents that are required by law were presented.The authorized agency XXXX XXXX  informed the Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX of the government entity that authorized XXXX XXXX to make XXXX  victim determination, although that is not required.I have attached correspondence. 

Equifax is willfully breaking the law as the ONLY documents that are required pursuant to 12 CFR 1022.142-Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX  victims-A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation as defined under paragraph ( B ) ( 6 ) of this section to the consumer reporting agency.

( b ) Definitions For purposes of this section : ( 1 ) Appropriate proof of identity means proof of identity that meets the requirements in 1022.123 for purposes of section 605C of the FCRA ( 6 ) XXXX  Documentation means 1 or more documents that satisfy paragraphs ( b ) ( 6 ) ( i ) and ( ii ) of this section ( c ) Is of a signed statement by the consumer attesting that the consumer is a victim of XXXX if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section ( 2 ) Non governmental organization or including victim service providers I have sent in all 3 required documents to have the adverse information blocked from my credit report within the 4 days as required by law.Equifax asking which government entity authorized the agency is against the law.No where in the law does it state that type of question is valid.I DEMAND that Equifax BLOCK these adverse items identified in my letter immediately.