23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was completely misled about the services Guaranteed Rate ( " GR '' ) was able to provide. 

I began the refinancing process in XXXX on an investment property and was very upfront on the particulars of the transaction I was looking to undertake. Specifically, I let the lender know that I was refinancing an investment property that had been purchased a few months earlier ( XXXX XXXX ) in an all cash transaction and that I wanted to refinance to get take some equity out of the property and redeploy it into another project. I was assured that GR could handle this and proceeded to apply for a loan only to have my terms changed and delayed time after time to the detriment of my business and personal credit. The process was incredibly disorganized, opaque and basically made it clear that GR was NOT able to provide the financing they claimed the could and that they were not dealing fairly. 

It is important that other investors / borrowers know that Guaranteed Rate is misrepresenting their abilities as a Lender.
Product: Debt collection

Initially this was a payday loan gone bad. It was sent to debt collector who then sold it to the STP Management Group/TX. XXXX XXXX really has a way with her words and how she has made it up in her mind to get money by any means necessary. I have set up payment arrangements at the end of each month and have made those payments. She insists that because od the upcoming holidays, the end of the month DOES NOT WORK FOR HER!!! And that she will not accept late payments period. What??? Is this lady pocketing the money or what? Are they on some kind of commission for how many they harass and get money from? Is this money really going toward paying off the debt ( which I acknowledge )? Is this a legit debt collection agency? Calling my place of employment really crosses the line ... .I NEED YOUR HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like these accounts repaired ASAP : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX XXXX and called the XXXX XXXX. They verified that the account was paid on time for the months in question but claimed that XXXX XXXX has inaccurate information. This is not true because I had a hard inquiry on my report which indicated that the false late payments were indeed stated on my credit report. This letter has been sent, along with my full name and address to XXXX and Equifax. 

Amount of Debt : {$26000.00} Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be completely DELETED. 

The following derogatory accounts allegations are either, untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : Alleging Creditor and Accounts as is reported as having a late payment my credit report : XXXX XXXX XXXX XXXX Payment History XX/XX/2023 XXXX XXXX XXXX XXXX Payment History XX/XX/2023 I am demanding that this account be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely,
Product: Credit card or prepaid card

I purchased a Vanilla Visa XXXX for the amount of {$50.00} plus fees. It was supposed to be delivered within 24 hours if not sooner. After a few days the recipient still did not receive it. She looked in junk mail, deleted and her regular email account. I wanted to cancel, but after different phone numbers and numerous phone calls I was not able to resolve it. When I did get an answer the woman did not seem legit. Many clunking noises as she looked up my account. Said it was delivered, but was not. Created a dispute with my credit card, but then the recipient found three in her deletes which was not there before. I am unsure if there is a balance, but will check with friend. Terrible customer service.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ; has violated my rights. 

Bankruptcy ; 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 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 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  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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm finding information reported on my credit report without my permission. This is illegal to do. I feel also that I have been targeted. I find it illegal also to share information about me with any of my employer 's without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Midland funding and requested debt info the guy told me he could not give me the info and that I needed to contact XXXX XXXX XXXX. I asked who owned the debt and he said Midland funding so I told him by law they are required to give me the info since they are also reporting to my credit. They refuse to give me info. I also stated that if the original creditor was XXXX XXXX that the statute of limitations has expired. I have tried to dispute this several times with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Veros credit should have been removed from my credit two years ago. This debt is more than seven years old. It is incorrectly reporting on my credit. The last payment was made in XXXX. This debt has been removed from the persons credit I have co signed for. I do not understand why it is still reporting on my credit.
Product: Mortgage

Since XXXX of XXXX, I have been submitting them proof of hazard and all kinds of insurance that is provided by my Home Association and they kept claiming they are not getting them, even though I get an email stating it has been received. Now for the month of XXXX and this new bill, they are charging me {$280.00} more in my mortgage payments stating they had to buy insurance for me. I have proven them multiple time that I have insurance. When I talk to the insurance department, they said they canceled the purchase of new insurance back in XXXX but I am still getting charged. They keep transferring me from department to department. They escalated my last complaint and I was supposed to get a call back within 5 to 7 business days. It has been 3 weeks, and no answer. I am currently on the phone with them and they put me on hold. It has been over an hour and Im still holding. No one is helping me with this and I can not afford to pay almost {$300.00} more for something I already proved to them I have 10 times now
Product: Checking or savings account

On XX/XX/XXXX, the collection agency took funds from my debit card without authorization. Furthermore, I received a call from XXXX XXXX, a rep from the agency, sometime during the summer of 2022. He advised that I owed approximately {$6000.00} in debt. However, I informed him I did not believe I owed that amount and asked for proof of said debt. Other than my payment history, I have not received any other document proving that I owe the debt.
Product: Money transfer, virtual currency, or money service

Paypal has held my funds over 180 days as per the agreement that they said they will release funds after that. 

XX/XX/XXXX, PayPal blocked my account without any explanation or why they thought my account is a potential risk. 

I have tried to communicate with them regarding the issue and they have not replied to any of the messages I left and the customer service number doesn't work. 

Today is XX/XX/XXXX and I should have a received an email from PayPal stating I should withdraw the funds but they haven't and this goes against their legal terms and can be a potential law suit against the company. 

The email of the account is XXXX which a XXXX  account. 

I'd really appreciate it you helped me resolve the issue and get my account back.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 and other adverse items 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 reporting or other personal consumer reports

I do not recognize this address please remove XXXXXXXX XXXX XXXX XXXXXXXX, fl XXXX
Product: Credit reporting or other personal consumer reports

I am reporting the repeated reinsertion of the following fraudulent accounts that I have previously disputed and had deleted from my credit report : XXXX CARD ( XXXX ) and XXXX CARD ( XXXX and XXXX ). I initially disputed these accounts several times, and they were successfully deleted from my XX/XX/year> credit report. However, despite their deletion, these same accounts have now reappeared on my XX/XX/year> report. This cycle of deletion followed by improper reinsertion demonstrates a clear disregard for the accuracy of consumer reporting and violates the Fair Credit Reporting Act. Under 15 USC 1681i ( a ) ( 5 ) ( B ), any previously deleted information can not be reinserted unless the furnisher of the information certifies its accuracy, and I am provided written notice of the reinsertion within XXXX business days. I received no such notification, which is a breach of your legal obligations and my rights under the FCRA. Furthermore, the failure to properly investigate and prevent reinsertion demonstrates noncompliance under 15 USC 1681e ( b ), which mandates accurate reporting procedures. Your actions, or lack thereof, expose you to liability under 15 USC 1681n, allowing for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. I demand the PERMANENT REMOVAL of these fraudulent accounts from my credit file to prevent further harm to my financial reputation. Any future unauthorized reinsertion will result in additional legal complaints and enforcement actions. Please confirm, in writing, that the fraudulent accounts have been permanently removed, and provide an explanation of how you will ensure compliance with FCRA standards moving forward.
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX XXXX on XXXX XXXX to withdraw money from their XXXX XXXX for rent. I frequent here & have never experienced this ATM or another, yet as I was counting the money that was coming out another {$200.00} came out & 3 seconds later returned to the machine. However, I received a receipt for that {$200.00} that I didnt even get! I informed the XXXX at XXXX XXXX XXXX employees who could do nothing & told me to contact XXXX XXXX Im not a customer there so when I called they said contact my bank ( mywisely ). XXXX said theyd do an investigation that would last approximately no more than 40 days. On XX/XX/XXXXXXXX  I called & they informed me they turned down my request & that I could resubmit another request. ( But Im not waiting another 40 days for the same answer when apparently they dont do a real investigation ) I dont have any proof they asked for except the faded receipt stating I got the money that I didnt receive. Also, I could try to go the store & see if they can show the cameras or remember me. Additionally, my mother in law is a witness as I informed her that day. But Im not losing my {$200.00} to no wealthy bank I needa my money back
Product: Debt collection

We completed a refi on our house on XXXX XX/XX/2018. In turn we received checks to send to debtors in this refi and mailed them out the following business day on the XX/XX/XXXX. All but one account received and paid by the XX/XX/XXXX and account were posted The account that was not posted was XXXX Account by XXXX XXXX. they did however receive the other account payments for XXXX XXXX, Walmart, and care credit. 
We called the company numerous times ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX ) and they wouldn't help. We know the check for the XXXX account has been cashed. We tried to speak with a manager and give account number and check number and amount and they said the only thing we can do is forward the information the payment research, and we cant speak with them. they also said we need to pay our bill in the meantime and theres nothing they can do. Synchrony is horrible about helping us with this matter. They said that it will take another thirty days to resovle this matter and its not there issue??? I need help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity Finance has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. 

XXXX XXXX has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).

Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXever sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I have attached a letter. This issue has not been addressed. I never received any goods or services I was promised when I made payments and cash app nor the recipients would XXXX a refund. Cash app or any ombudsman has contacted me after reaching out to them with email.
Product: Credit card or prepaid card

Card was canceled because it {$180.00}. Fraudulent charges new card issued to me. Notified by letter {$180.00}. Would be credited to my car on XX/XX/XXXX. Every time I call to tell them the money is not on my card. They tell me wait 3days, today is XX/XX/XXXX still no transfer of funds. Today they again said money is on old card. I am still waiting fir funds.