23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I reached out to Ally bank on XXXX XX/XX/2023 to stop a check payment. I chatted as well as talked to somebody regarding this. They guided me for online process to do so. But even then the check was cleared and when I asked Ally bank - I was told that it needs at least 24 hours to kick in. If that was the case why no one told me on XXXX XX/XX/2023 itself. 
Moreover even when the stop check payment didn't worked, I was charged {$15.00} stop check payment fees. Later I need to chat with ally bank annoying customer service person XXXX to get it removed. 
Ally has always failed in terms of stopping check or ACH payment. Last year Ally failed to stop ACH payment. Very inefficient and useless bank. 
When they fail then they tell the customer to reach out to vendor in terms of stopping check or ACH payment.
Product: Credit reporting

I 'm submitting proof that Equifax is illegally reporting this bankruptcy and they are refusing to remove it even after submitting the proof. I really need your assistance because I do n't understand how they can be refusing to remove this information when there is physical proof! I do n't care that they are sending me a piece of paper that they are generating saying that its something else - I 'm proving it by sending the page from my credit report! I need for this to be removed.
Product: Checking or savings account

My parents have been declared XXXX, I have been made their legal guardian by the court. I am to assume control of all their assets both financial and personal as well as handle all medical decisions etc. I have been attempting to manage their XXXX  account Since XX/XX/XXXX of this year. I have submitted all the requested forms at least twice, mailed court supplied documents on two occasions and spoken to numerous customer service representatives. No one returns my calls at this point, they send me a vague message via the website telling me supply further documentation. My parents have all their retirement tied up in XXXX, with the volatile market I have had not had any access to any of these accounts to make any adjustments or in any way protect their remaining assets.
Product: Credit reporting or other personal consumer reports

Over the past several months, I have submitted multiple formal disputes with the credit reporting agencies regarding inaccurate and misleading information appearing on my consumer credit reports. These disputes concern multiple accounts from various furnishers, including major credit card issuers and lenders. Despite providing documentation and citing legal obligations under the Fair Credit Reporting Act ( FCRA ), the errors persist without resolution, and the responses received have been superficial and procedurally deficient. 

The issues include : Repeated and duplicate Charge-Off reporting across multiple months, which artificially inflates derogatory impacts and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards XXXX 
Manipulated delinquency timelines, where furnishers are reporting the same late payment statuses for consecutive months long after the date of first delinquency ( DOFD ). This practice, known as re-aging, is expressly prohibited under FCRA 1681c ( a ) and related FTC Staff Opinion Letters.

Incomplete or missing monthly payment history, where multiple tradelines lack consistent reporting data across extended timeframes, resulting in materially incomplete and unverifiable credit records, contrary to FCRA 1681i ( a ) ( 5 ) ( A ) ( ii ). 
Failure of furnishers and credit bureaus to conduct reasonable reinvestigations, instead returning the boilerplate response of verified as accurate without providing documentation or addressing the specific errors raised. This pattern reflects the same sham investigation conduct cited in the CFPBs own legal action against Experian. 
Despite multiple rounds of disputes and reinvestigationsdating back several monthsthe information remains unchanged and continues to harm my credit profile, creditworthiness, and financial opportunities. Most recently, I received responses stating certain accounts were merely updated, while many others were labeled verified as reported without any substantive justification or correction. 

These persistent inaccuracies have had a negative and unjustifiable impact on my credit scores, leading to higher interest rates and denials of financial opportunities, and are directly attributable to noncompliance with federal consumer protection laws.
Product: Debt collection

Zwicker and Associates have been constantly for the last 3 months trying to collect on an XXXX XXXX bill that we were wrongly shut out of our portal for. We had an XXXX   business account and because we did not provide them with certain documents, we were locked out of the online portal. They sent the debt to Zwicker and Associates who call us 4-5 times a day initially, early in the morning or in the evening. 

What we are so frustrated about is that they constantly threaten to sue us if we don't pay, but then when we set up a payment to pay in full, they pull the amount on the WRONG DAY. And then call and threaten us that the payment bounced. Well, you pulled it on the wrong day. They pass it from colleague to colleague which just causes confusion and the representatives we speak to are extremely aggressive and rude, saying how much trouble we're going to be in if we don't make the payment. 

I have been trying to set up a wire transfer for weeks now, with no response. Phone calls stopped, and emails too. We have been trying to pay the debt and negotiate an amount but now they are not responding, despite me emailing and asking to speak to the representative that originally set up TWO incorrect pulls from our checking account. 

The bank manager who works with us is an ex-employee of Zwicker and has informed me to make a complaint because he sees this happening alot. They make their own electronic checks and pull it when they want.
Product: Debt collection

Coachella Valley Collection Service called me to reach out to my brother, I was at work but the lady with the name of XXXX called me every 2 minutes, including my work number, after I called her supervisor / XXXX, he promised they don't call my employee anymore, but when I came back to work, my coworkers told me they called again. 
when I told XXXX the law doesn't let you call my employee, she just screamed at me REALLY??????
Product: Debt collection

HONOR FINANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

On XX/XX/year> I applied for a Synchrony XXXX XXXX - XXXX XXXX XXXX card. The application as immediately denied with no explanation why. On XX/XX/year> I received an email with a reference number XXXX and a link to receive my denial letter. I put in my current address zip code, as well as all other previous zip codes I have lived at. I did recently move on XX/XX/year> to a new apartment. I was unable to gain access. The same day, XX/XX/year>, I called XXXX and the representative I spoke to said Id also receive a letter in the mail. Today is XX/XX/year> and I have not received any correspondence and still can not access my results through the link. Synchrony XXXX did a hard pull on my credit report though. I want the hard pull removed, synchrony isnt following the FCRA rules so I see no reason why I have to keep a hard pull on my credit report while this company goes un fined and accountable for their actions. Id also actually like to receive my denial reason. I already reached out to the company and no one took the initiative to actually assist me. I also had recent change of address filed before I applied so even if the decision was mailed to a previous address I would have received it.
Product: Payday loan, title loan, or personal loan

My parents were attempting to purchase a manufactured home in XXXX in South Carolina. 

I received a telephone call at my place of employment at the time telling me that the finance manager from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX would be coming down to my work for me to sign paperwork, as they needed a co-signer on the retail installment loan as their credit was not good enough to qualify on their own. 

I have now discovered that the loan is solely in my name, not my parents, but I have been unable to get the loan refinanced in my parents name, or refinanced in any other way. The original loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has now been bought and sold multiple times, now owned by Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have contacted them multiple times via their phone # at XXXX with no success, with my most recent phone call on XXXX/XXXX/XXXX to which the representative stated " Well, I guess you are pretty much screwed. '' " We can do nothing for you. '' The home was financed for {$37000.00} with XXXX % interest rate over 360 months. My parents have been solely making the payments, and have copies of all payments made since XXXX, which I can provide upon request. I personally have made ( 0 ) payments. They have never missed a payment. I have tried to ask about a settlement from Ditech on the phone, but they told me that it would be denied, while people were laughing in the background. My parents have now paid over 3 times what the home was originally sold for, and have nothing to show for it, as they ca n't even get it financed in their own name since we can not find any lender willing to refinance a retail loan on a 20 year old manufactured home. 

I currently live in XXXX, in my own home, and this is currently taking up my available credit so I am unable to expand my own business. 

Please help!
Product: Debt collection

I maxed out a Wells Fargo credit card XXXX and settled out with them XX/XX/XXXX. They never called to collect money prior or before I paid it off. I asked a couple times if they could remove from my credit report. I even got a credit repair to help remove but no one has removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe Discover Bank credit card is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : Discover Bank credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.
Product: Debt collection

I contracted with XXXX through XXXX to have solar panels installed on my house in late XXXX. As part of the contract, XXXX subcontracted to have my electrical panel upgraded. After several months of dealing with incompetent work and safety hazards caused by the subcontractors, I canceled my contract with XXXX and XXXX. XXXX asked me to pay {$2700.00} for the electrical panel work, and I refused. Eventually, XXXX and I agreed in writing on XX/XX/XXXX, that XXXX would not continue to ask me to pay for their subcontractors ' faulty work and I would not pursue further damages against XXXX. XXXX failed to honor this agreement, and attempted to collect {$2700.00} from me beginning again in early XXXX. XXXX sent false information to Caine & Weiner, who have attempted to collect a false debt of {$2700.00} from me. A false record was added to my credit report in XX/XX/XXXX indicating that Caine & Weiner was trying to collect a debt on behalf of XXXX. I contacted XXXX to help resolve the issue with XXXX on XX/XX/XXXX. I was contacted by XXXX on XX/XX/XXXX. In that communication, XXXX XXXX of XXXX stated that XXXX had referred a debt of {$1300.00} to third-party collections because I had been credited 50 % of the charge of {$2700.00} on XX/XX/XXXX. After I reminded XXXX of the details of our agreement, XXXX XXXX of XXXX wrote to me on XX/XX/XXXX, indicating that I owed nothing to XXXX, collection efforts had been closed, and the negative record on my credit report had been removed. Despite this message, XXXX XXXX of Caine & Weiner contacted me on XX/XX/XXXX, and XX/XX/XXXX, attempting to collect {$2700.00} on behalf of XXXX. I contacted Caine & Weiner by phone on XX/XX/XXXX, and asked to speak with XXXX. I was advised Caine & Weiner may have recorded the call. The representative on the phone did not connect me to XXXX or provide information regarding Caine & Weiners attempts to collect from me except to say that they would contact XXXX and might get back to me.
Product: Debt collection

On XX/XX/XXXX I made an order and did not receive the items. I called the company multiple times and they would not give my money. I also reached out the the borrower to get assistance and no one has reached out to me. I just want my {$700.00} back so that I can move on with my life. I also filed a police report in order to get my money back. Dc # XXXX
Product: Student loan

On XX/XX/2018 XXXX XXXX  PST I spoke with a representative with Performant who indicated she could waive some collections cost which based on the most recent statement I received is {$2800.00} for " collection cost ''. She additionally offered a final settlement for {$7900.00} but indicated she had to get approval on the amount of time she could make that available and would call back in a day or two. A week later when I didn't hear back I contacted them again and after explaining to 2 different representatives I was forwarded to a manager on XXXX at XXXX by the name of XXXX . She explained that the previous representative was not authorized to make that offer and that it had not been accepted by the creditor XXXX. And that the lowest they could accept would be something over {$10000.00}. I asked her to review the call and honor the deal and she agreed and said she would get back to me. I never received a return call from anyone since. This student loan comes from a fraudulent technical college that has since been shut down. I originally borrowed {$20000.00} and with payments made and tax offsets to date I have paid well over {$23000.00} and according to their records still somehow have a balance of {$14000.00}. On XX/XX/XXXX I faxed a letter not only asking for verification of the debt but also acceptance and acknowledgment that they made the settlement offer. What I received in response was XXXX pages of a contract that is completely illegible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, XXXX XXXX Experian, I am writing to request the removal and deletion of hard inquiries from XXXX XXXX XXXXXXXX XXXX credit report. The inquiries that need to be removed are as follows : - An inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making this request under the following laws : SECTION 604 15 U.S. CODE 1681B Permissible purposes of consumer reports. This law states that consumer reporting agencies may furnish consumer reports only for certain purposes, including credit transactions, employment purposes, and insurance underwriting.

SECTION 605 A 15 U.S. CODE 1681C-1 Disclosure of investigative consumer reports. This law requires consumer reporting agencies to disclose to a consumer if an investigative consumer report was obtained for employment purposes.

SECTION 605 B 15 U.S. CODE 1681C-2 Block of information resulting from identity theft. This law requires consumer reporting agencies to block any information in a consumer report that results from identity theft.I believe that the above-mentioned inquiries do not fall under any of the permissible purposes of consumer reports. Therefore, I request that these inquiries be removed and deleted from my credit report. 

Thank you for your assistance in this matter. 

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

TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud, and SAID company is required by law to remove Such items within 4 days, FTC fraud report was filed on behalf of the consumer, Consumer is requesting TRANSUNION to provide documentation used to determine the inquiries and accounts where authorized by the consumer, TRANSUNION has 10 days to provide me with the names of the family and neighbors or person spoken to, documentation used, signed application with consumer wet ink signature, comsumer is not asking for an E-Oscar report. If TRANSUNION can not provide documentation to show these accounts and inquiries was in fact authorized by the consumer account must be deleted immediately. Said company is liable under the SEC to follow certain rules I HAVE TRANSUNION COMMISSION NUMBER address and what company your company use to trade securities, I will be filing 211form to audit consumer account. Transunion is securitizing consumer data yet refuse to provide consumer with their CONSUMER FILE NOT CONSUMER REPORT.
Product: Student loan

Navient does not allow my to pay more than the minimum on my student loan balance each month through auto-pay. In order to pay more than the minimum, I have to log into the website each time I want to make an additional payment.
Product: Credit reporting or other personal consumer reports

I sent letters to EXPERIAN, XXXX and XXXX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit card or prepaid card

Capital Ones campaign of discrimination against me because I am XXXX continues. The company offers a feature that allows you to change the image on your card. I first submitted the XXXX  colors and was denied because they said it was a flag, though I purposefully made sure there was no flag border. When they rejected it, I filed a CFPB complaint. The woman who handled that complaint at Capital One had no idea what she was talking about, saying it needed to be licensed from the XXXX company. There is no XXXX company, we are simply a community that uses a set of colors for pride, but she was too ignorant to understand this. Now I have uploaded a picture of the White House in rainbow colors and even though this is not a flag in any way, they rejected it again. Clearly, this is for no other reason than they do not want their cards to have anything to do with the XXXX community, even though they happily take the money of their XXXX customers, because the image does not seem to violate any of the other image requirements. The hate and discrimination towards the XXXX community by Capital One is astounding. How they can reject an image just because it shows pride for the XXXX community, or any group, is beyond me. Clearly they dont want any support for the XXXX community on their card because of the hate they harbor towards the community.
Product: Mortgage

This is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. I have been attempting to obtain a payoff from Rushmore Loan management and continue to get the runaround. I have faxed 3rd party authorization multiple times i have fax confirmations. I am only trying to get a payoff statement so we can close on the customers sale and payoff rushmore. They are bouncing me around, no response no ETA. Again I am trying to PAY THEM OFF i am with a title and escrow company and can wire their funds to them by tomorrow if they would just issue a payoff statement. They are so consumed with negotiating debt they don't know what to do when someone just needs a payoff statement