23daVinci/CFPB_Complaints huggingface dataset:
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 Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # 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: Mortgage

I tried to get a mortgage loan and I feel like I was discriminated against because of race and because social security is my main income. The loan officer XXXX XXXX didnt try to get me approved. I was approved by two other banks the same time I was trying to get approved through US bank. Also I tried another loan officer at US bank named XXXX XXXX and I was left with no answers.
Product: Checking or savings account

I was not allowed to link my account to an online exchange. The reason I was given was that the online business was not FDIC insured. I believe it should be my choice to link my account with whoever I wish because it is my money.
Product: Checking or savings account

My TD Business bank account was closed in XXXX due to their own random suspicions. I was told I'd get a letter in the mail with a cashiers check. It was never received and I've visited the branch multiple times and have been left hanging. 

The name of my business, " XXXX XXXX XXXX ". 
My account was closed with {$22000.00} in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found a late payment. 

Creditor : Capital One Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Product: Credit card

On XX/XX/year>XXXX XXXX XXXX I called to find out that my account was closed due to a transaction I made to pay my bill on XXXX XXXX of the amount {$700.00} that bounced from my XXXX XXXX XXXX account because I was mid transferring banks. I turned around and added my wifes XXXX XXXX card because I didnt have mine yet and payed the full amount of {$1100.00}. 
A week or 2 went by with me not using my card and when I did it got declined everywhere and had to call to find out they closed my account with no email stating my account was going to be closed or was at all. I proceeded to ask for this info 3 different phone calls and was told they would still send the information and never did. I was told my account could not be reopened and also got declined for making another account with discover. They screwed up my credit score by XXXX for closing my account with out probable reasoning and cost me 6 months of hard work to build low interest and a {$2000.00} credit limit with them. I would like to get my credit limit back of {$2000.00} limit on a new or same account with low interest. I would also like my credit score of XXXX disputed, to get my points back.
Product: Credit reporting or other personal consumer reports

Hello, Upon reviewing my Consumer Reports, discovered some Instances of collections on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The activity dates are inaccurate on 1 or more credit reporting agencies. 
The following account : XXXX XXXX XXXX XXXX, account number XXXX shows multiple discrepancies. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the accuracy of this account. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Debt collection

I was recently made aware of an attempt to collect a debt from me for HOA dues and water bills by my real estate agent while I was attempting to sell a property. I was not contacted at the correct address about this and did not, at any point receive a phone call or email, despite both of these being on file.

At the point I was made aware of this attempt to collect a debt, I immediately reached out to the debt collection service. After a few days of trying to get some type of breakdown of the charges they were attempting to collect, they finally sent me a PDF on XX/XX/XXXX which just showed a series of numbers written down for each month, which did not add to the amount they were attempting to collect from me. At this point, I asked ( in writing and over the phone ) for copies of the actual bills for the things I would owe. They informed me that they did not have these and did not have to provide these because this debt was made in a business name, but assured me ( without any documentation ) that this debt was mine. They recommended that I reach out to the HOA to get these bills.

I reached out to the HOA by phone over 13 times and left multiple voicemails. None were ever returned. I notified the debt collector about this and cc'ed the HOA and neithe
r of them responded. Finally, over 4 weeks after initially requesting these documents, the HOA responded to me saying that they do not have any of these documents, and the debt collectors are acting as their representatives. At no point did the debt collectors make any attempt to contact me to get me these documents.

This whole fiasco took place as I was attempting to sell my property, and these tactics of delaying repeatedly and not providing documentation proved damaging to me. We had to continue to delay closing while trying to hunt this answer down, and finally I had no choice but to just pay them so we could close the property. Unsurprisingly to me, the HOA finally responded with more delay tactics ( to tell me to go back to the debt collectors ) within 12 hours of the
property closing, timing which shows clear intent for both the debt collection agency and the HOA to strongarm me into paying a debt without sending any validation of debt to me, as they are legally required.
Product: Credit reporting or other personal consumer reports

When I checked again my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$96000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPT ED/XXXX XXXXXXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

I called Mohela to request for the full status of my loan, including the amount of total funds I was ahead on my student loans. I was almost 20 payments ahead on my student loans, but Mohela is advising they are only seeing me ahead by {$350.00}, whereas that figure should be close to {$2500.00}. In Response, I have requested for my full loan history, and servicing file, but no one will acknowledge this request, or provide it. Their Customer Service Representatives " In Training '', can only see back 24 months. I am asking for assistance by holding them accountable by telling me the exact figures I am ahead on my student loan. I know there is 136 payments left, but it is in a tier repayment style therefore the payments will change over the remaining life of the loan. As a Servicer, they should be able to provide the requested document to show how the outstanding balance was paid down to today, but they are not. I'd like assistance in obtaining the full file, and payment history. How do they know I didnt make a {$20000.00} payment prior to the last 24 months? 

I've requested to speak to leadership, however I am then placed on hold for hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

The account opened XX/XX/2018 I have made some payments but have struggled to make payments. Between school, working a low paying job, and acquiring a random dog who needed help I got the XXXX XXXX   to save his life and I still XXXX until this day. Not knowing much about credit, I got the card. I have been in contact with them on several occasions, its never been a rude experience. I did want lower payments ranging from 20-40 a month but the lowest I could get was XXXX.
Product: Checking or savings account

My Mother & I have a joint checking account and Money Market account at XXXX XXXX XXXX XXXX. She was defrauded in a Sweepstake Scam ( XXXX XXXX XXXX ) by being told she won and was required to pay the income tax due on the winnings. My Mom XXXX is XXXX years old and  suffers from some mild XXXX XXXX. She was instructed to Mail VIA the USPS overnight checks on XX/XX/XXXX in the amount of {$7900.00} and again on XX/XX/XXXX a check in the amount of {$23000.00} to the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX was again contacted and instructed to withdraw both cash & Bank checks from her account at XXXX XXXX XXXX XXXX and deposit the amounts into various Bank of America accounts : XX/XX/XXXX : Bank check to XXXX XXXX XXXX : BOA Act : XXXX for {$7200.00} XX/XX/XXXX : Bank Check to XXXX XXXX XXXX : BOA Act : XXXX for {$4900.00}
Product: Payday loan, title loan, or personal loan

I purchased a washer and dryer from XXXX XXXX XXXX which were delivered on XX/XX/XXXX. While doing so the seller referred me to Acima Credit for a " Lease '' which would be 90 days same as cash. The dryer had some unsafe modifications done by the seller by attempting to convert a newer model XXXX XXXX XXXX dryer to natural gas. Basically, the dryer never worked. Under the agreement I have with Acima, they were to repair the equipment if at any time during the agreement it was not working. I contacted Acima Credit continually since the dryer was delivered and finally on XX/XX/XXXX I requested that Acima repair the dryer under the terms of the agreement. I advised them that do to the unsafe modification made by the seller, I would not allow the seller to be the company sent to repair the dryer. Acima explained that they didn't have anyone else to repair the dryer. Instead, Acima offered a settlement for a reduced amount equal to six payments of {$110.00}. 

I have made every payment on-time. In fact, I made 1 payment earlier than scheduled to put myself ahead of schedule. The settlement agreement was initiated by Acima due to their inability to perform their obligations under the lease agreement.

Acima sent me an email with a payment schedule, but they have never provided me with a copy of the " Settlement Agreement ''. I asked specifically if this settlement would impact my credit and the representative advised me to contact the Credit Bureaus. 
That doesn't make any sense. They have an obligation under the Fair Credit Reporting Act to advise me if this agreement would negatively impact my credit. 

Acima has falsely reported me as making 1 late payment in XXXX to the credit bureaus as well as the account being closed and settled for an amount which is less than what I owed, which is being viewed by the credit bureaus as negative reporting against me. 

I sent Acima a letter on XX/XX/XXXX and attempted to contact them through their chat feature today XX/XX/XXXX. I was advised that their resolutions dept. only accepts phone calls.
Product: Credit reporting or other personal consumer reports

I sent in numerous disputes to Experian and they did not fulfill their legal obligation under the FAIR CREDIT REPORT ACT to conduct full investigation & reinvestigation of disputed information on my credit report, leaving unverifiable accounts and inaccurate information that's not resolved. The CFPB has recently filed a lawsuit against Experian, alleging a huge systematic issue such as failing to provide evidence to furnishers, accepting unreliable responses and also failing to adequately notify consumers of the dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed. The disputed items dispite the evidence ive provided them numerous times this caused a ongoing harm to my credit standing I am requesting corrective action to remove or amend the disputed accounts please Since Experian inaction violates federal law and my rights as a consumer
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 150 days past due as of  XXXX     2011  120 days past due as of  XXXX     2011  90 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Checking or savings account

Since I have submitted my First complaint about this issue, Bank of America sent me an email to address my issue they did not include a call back number only a deadline to speak with them for XX/XX/2022. I had to research to find the number to return the call and I have called XXXX  times and left a VM for the representative XXXX has not called me back. I keep getting first ring VM. This complaint here is to verify I called and emailed B of A per there request in response to my complaint XXXX. 
XXXX  XXXX  XXXX Fri, XX/XX/XXXX, XXXX PM ( 7 days ago ) to me XXXX XXXX, Thank you for contacting XXXX  XXXX  of Bank of America . As your XXXX  XXXX  I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2022 to confirm that information. My days and hours of operation are Monday through Friday, XXXX a.m. to XXXX p.m. XXXX. 
Please note that if we are unable to reach you to discuss the resolution to your concerns, we will be responding in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Bank of America C- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you failure to verify information given to you company by a paid subscriber ( FPB ). XXXX XXXX XXXX record states that the last payment to account ending in XXXX is XX/XX/2017 ( year & month ) in the amount of {$130.00}. however XXXX XXXX XXXX is reporting to Experian credit reporting agency in payment summery that there was 4 additional payments made on account ending in XXXX the months of XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 when in fact NO payment was ever made after XX/XX/2017 by XXXX own records but 4 additional payment is being reported to Experian. XXXX has knowingly and repeatedly reported inaccurate information once again I have attached these same supporting documents for review at this time XXXX and XXXX has already deleted this account from their records for the same inaccurate reporting I'm aware that XXXX pays Experian for reporting but Experian also by law has a responibilty to verify information giving to them before placing it on a consumer record and Experian has failed to do so.
Product: Consumer Loan

On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 1 weeks after I turned in the vehicle to XXXX XXXX ) at a location in Ohio ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Chrysler admitted that they failed to do an inspection in a timely manner ( a week later ) but failed to admit that they drove the vehicle out of state prior to the inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately.

Report Number is XXXX from XXXX  Credit Report Reference : Reference # XXXX
Product: Checking or savings account

My CD matures on XXXX XXXX and per the letter from Synchrony Bank I can only close the account by calling them at XXXX. After providing all information ( account number, security question, last 4 digits on SSN ) they do not confirm my request to transfer funds to my XXXX XXXX checking account. This transfer has been done before with them on previous CDs. 

A phone conversation for over an hour ended with XXXX saying she had to check some information and have a " 30 minute lunch '' and would call me after that. 

There is no valid reason for the long, long phone conversation for a simple operation. To make sure all info is correct I ask them to repeat back to me to make sure it is right. This should be a simple procedure and they are making it a problem, perhaps in hopes that I will let the maturity date slip and the CD will automatically renew with them. Not a chance.
Product: Credit reporting or other personal consumer reports

Its been more than 8 years XXXX is still on my report despite the fact that I asked for a deletion XXXXXXXX XXXX  has been paid of and I asked for a deletion as well I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX XXXX and Experian report. 

Please verify or remove immediately the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

I filed a dispute with XXXX for late payments that were promised to be removed by capital one due to hardship during the pandemic. Within a few days Capital one reported a balance of my credit card prematurely causing a significant drop in my credit score. My statement comes out every XXXX of every month and had already been reported for XXXX XXXX XXXX XXXX XXXX statement has yet to be due yet I have a second reporting after the XX/XX/XXXX statement has already updated. Please remove this inaccurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022 XXXX
Product: Checking or savings account

I deposited a check in my savings account which HSBC claims they send back to drawer the check was never sent back andbI want a copy of the return check company states in last complaint it was enclised which it wasnt i need proof to proceed in legal actions. Please provide me a compy of return check that was processed on my savings account.