23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XXXX 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX & XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX  Account # XXXX Collections : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

under 15usc1681 of the far I am promised a100 % accuracy on my credit report .Theyi have disputed this account several times and the verified it as accurate which is incorrect .Is different dates different balances different amounts reporting on all the credit XXXX. Have never did business with this company. I asked for a purchase agreement and all got was verified as accurate. I am aware of litigation rights and I will be ppersuing legal obligation. of a fine of {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

I demand that the {$0.00} collection/charge off account for XXXX XXXX XXXX be deleteXXXX from my credit report as the information is still being incorrectly reported on my credit report. This account is appearing as a negative status on my credit report and is causing me financial harm. It needs to be removed immediately from my credit report. It has been reporting negatively on my consumer report since XX/XX/year>. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.
Product: Debt collection

I paid the LVNV Funding LLC debt collection account of {$340.00}. The account was paid in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Debt collection

Bank of America has called my business, on average, five times a day to collect a past due amount on a credit card payment. This has been going on for over three weeks. Today is XX/XX/2020 ; at XXXX XXXX  they've already tried calling three times today. Last week I spoke to two different customer service representatives telling them that they were violating FTC policies which stipulate debt collectors can not harass clients with a barrage of phone calls, especially while at work. Today I told a different customer service agent that legal action would be taken if they called again. The agent said he'd take our number off the list, but an hour later a robocall from Bank of America called again.
Product: Checking or savings account

I opened a citibank checking account and saving account package at XXXX for a promotion XXXX bucks if i deposit XXXX total and keep this amount 60 days. Then I finished their requirement. And contact them for my bonus at XXXX. I have been told I will receive my bonus in 90 days before XXXX. So I wait for another month and contact them again to double check everything is right at XXXX. I got promised bonus is on its way. But everything is change when I contact them why my bonus still not post yet at XXXX. They told me I am not qualify the bonus. Because I do have account with them at XXXX. What?? Why they don't tell me early since I deposit their bank almost 6 months. I thought they promised it they should honor it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made my payment on time, and the late payment reporting is incorrect. I have attached my bank statements and payment confirmation showing the payment was processed well before the due date. 
Clerical Error : There seems to be a data entry error. The amount listed does not match my payment history. The payment was processed but erroneously marked as late. This needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The Credit Bureaus never did a proper investigation according to the FCRA. 

The terms investigative consumer report means a consumer report or portion of there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also they have violated my rights even more In accordance with Fair credit reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate and the date last reported is not accurate. This ground for removal.

They also violated the because according to 15 U.S.C 1681 section 602 A states I have 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

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. 

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX : Account Number: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 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: Debt collection

Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent CARVANA, LLC, and XXXX XXXX XXXX XXXX XXXX a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. CARVANA hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. XXXX XXXX XXXX XXXX XXXX attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. 

Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX account is missing/ not being reported on my Credit Report from, XXXX XXXX XXXX XXXX XXXX XXXX is missing/ not being reported on my Credit Report from, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is missing/ not being reported on my Credit Report from, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased through Amazon with paying with their Amazon Synchrony bank credit card. a XXXX XXXX XXXX XXXX XXXX '' XXXX with shipping and tax. on XX/XX/2020. 
I returned the item as it was to big and was supposed to be refunded on XX/XX/2020 which I have not received the payment from Amazon on my Amazon Syncronohy bank credit card. I have contacted the Seller and the Seller stated that Amazon has not refunded me the money. {$100.00}. 
I paid off all my purchases I made n XXXX on XX/XX/XXXX which I have paid for this in full already on my Amazon credit card.

Synchrony bank says they are not charging me for the item but I already paid for it.

I have not receive a refund for this item at all. I did make a dispute through Synchrony bank but they tell me it is Amazon problem and Amazon tells me it is the bank problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX has continued to report an account which I previously held with them as a derogatory account to the various consumer credit reporting companies. I have disputed the status of the account with the Credit Reporting Agencies, as well as directly with XXXX/XXXX without success. XXXX contends and reports that the account was included in a bankruptcy filing, thus reporting the account as a negative or derogatory mark/tradeline on my consumer credit reports, however this is in fact, untrue. The account that I held with XXXX  was in good standing and maintained a XXXX balance from the date that it was opened until the date it was closed by the creditor. The account was not discharged or even included in the Chapter XXXX Bankruptcy I filed as there was never any debt to discharge. As I have previously disputed this account with the Credit Reporting Agencies, some of them have deemed any further disputes erroneously as frivolous due to XXXX  's insistence that they are accurately reporting, therefore precluding me from any further disputes of that information. The account was closed by XXXX  unilaterally and should be reported solely as closed by grantor, without any negative remarks or connotations that cause it to be classified as a derogatory account which can negatively impact my credit score.

This account is specifically reported on my XXXX  and Experian reports.

Experian shows it inaccurately as included in Bankruptcy ( negative ) last updated in 2014. Even after a dispute with both the CRA and the creditor, even though they report it as never having a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau to advise them that the account with XXXX XXXX auto was opened in XXXX and reported to Equifax in XXXX as a negative closed account. The account is currently reporting as my oldest account, it has been reporting for 8 years. I disputed the accuracy of the account in XXXX of XXXX, the creditor responded and validated that the amount owed was correct. 
Equifax is now stating that the account will remain until XXXX which will be over 17 years of them reporting the account as a negative account. Which violates my rights and also the Fair credit reporting act. This account has fallen off of XXXX and XXXX.
Product: Debt collection

My name is XXXX XXXX I am the Power of attorney for my Mother XXXX XXXX. XX/XX/XXXX the Doctor Prescribed hearing Aide that was not covered by her Insurance. She was forced to sign an agreement to pay off a debt of {$2300.00} dollars. Each time the debt increased with an interest rate of 26.99 % and a late fee that ranged from 25 dollars to 35 dollars. I was not aware of this until recently when requested for an investigation with the Company. The original Contract was with GE Capital Retail Bank and then was changed without notification to Synchrony Financial onXX/XX/XXXX as a credit card account and not a loan, which was original agreement. I have over 60 pages sent by the Synchrony Financial explaining the outrages charges.
Product: Consumer Loan

I currently have an installment loan in the amount of {$2600.00} from Speedy Cash which I took out in XXXX of 2014. At the same time, I also have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood, including Speedy Cash. So basically, I have both a {$300.00} payday loan from Speedy Cash and a {$2600.00} installment loan. Is that legal? 

I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive for me, and I do n't know what to do. I already filed XXXX other complaints about my payday loan situation, XXXX for each of the different lenders. 

I 've been paying about {$140.00} every two weeks on the Speedy Cash installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? Are all my payments going toward interest only? 

I ca n't keep paying on all these loans. I need to prioritize my rent ( {$1100.00} ), car payment ( {$320.00} ), insurance ( {$180.00} ) and my other basic needs like food and utilities. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm struggling to figure out a way to get out of this deep financial hole that I 'm in. I do n't want to default on the loan, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. 
To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to keep paying on this loan and the other payday loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. I 'm wondering if it was legal for Speedy Cash to give me a payday loan and a {$2600.00} installment loan at the same time? Also, someone told me that in California, there are no interest rate caps on loans above {$2500.00}, and that might be a reason why I got a loan for {$2600.00}. Intially, I did n't want that much money. I only wanted to borrow {$1000.00}, but they ended up lending me way more. Now I 'm having trouble paying it back and my principal is n't decreasing with my payments.
Product: Checking or savings account

On XX/XX/2019 I received a letter from Citibank stating that my inquiry regarding electronic transactions on my checking account ending in XXXX XXXX XXXX XXXX had been honored and that I would be receiving a credit on to my account in the amount of {$1600.00}. They said that this credit included any applicable fees and interest incurred as a result of the disputed charges. On XX/XX/2019 I called Citibank customer service to ask when this money was going to be deposited onto my account the customer service representative I spoke with told me to give it 10 business days for the money to be deposited onto my myaccount. On XX/XX/XXXX I received a letter stating that they were not going to give me {$1600.00} with {$0.00} they were only going to give me {$200.00} with {$0.00}. I need Citibank to respect the money reimbursed to me which was {$1600.00} and credit this amount to my account just like they said they would on the letter I received XX/XX/2019.
Product: Mortgage

A financial interview was completed with Wells Fargo on XXXX XXXX, XXXX with their " re-entry team '' to open the loss mitigation review. They stated that they needed a hardship letter, 30 days of paystubs, the XXXX XXXX, a homeowners assistance form, a XXXX, and a completed ( 30 minute ) verbal financial interview. All these documents and interview were completed and faxed to the lender on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a call to the lender was placed and they advised that they needed to verbally know the start date of employment for XXXX and needed written clarification on some of the deductions on the paystubs. It was also advised that XXXX XXXX, the wife who is not on the loan, is not a contributor. The written letter of explanation on the paystubs was sent to the lender same day. Then another call was placed on XXXX XXXX, XXXX where they came up with a whole new list of documents needed including asking for paystubs from " any income on the tax returns. '' XXXX XXXX XXXX and XXXX XXXX XXXX filed their taxes together, but she is not on the loan nor is she a contributor to the loan and this was already explained to them. Therefore they can not continue to ask for this income. They are requesting additional information every XXXX days and not putting one list in writing. They also asked for the Home Owners Financial statement to be notarized, which is not a requirement. They are purposely dragging out the review and not putting complete requests in writing to make the review impossible to complete!
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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, along with my insurance company, have provided proof of insurance to my lender. However, despite this, my lender has placed force-placed insurance on my property and is charging me monthly for that policy. I have made multiple attempts to have the force-placed insurance removed, but they have not taken any action. My insurance coverage has never lapsed. 

Additionally, there are accumulated late fees on my account. When I contacted my lender for assistance with my mortgage, they informed me that I could enter into forbearance. I expressed that I did not wish to do so and explained that, while I have been running approximately XXXX month behind on my payments, I have ensured that my account has never been more than XXXX days delinquent. At that time, I was assured that as long as I remained within this timeframe, no late fees would be assessed. 

Despite this agreement, my lender has continued to charge me late fees. Furthermore, they have increased my monthly payments by adding the force-placed insurance policy, exacerbating the financial burden. I request immediate resolution of these issues, including the removal of the force-placed insurance and reversal of any improperly charged late fees.
Product: Credit card or prepaid card

I applied and was approved for a Wells Fargo mastercard close to a month ago. Since Ive received the card, Ive been unable to access my account on Wells Fargo website. Ive tried following the steps to receive my username and password multiple times. It does work however the Wells Fargo website states system is temporarily unavailable. I have my username and password. Its been like this since Ive had my card. I have called the credit card help line and at no point in the phone menu does it direct me to the credit card help desk. My problem is not solved through the automated menu.
Product: Checking or savings account

XXXX XXXX XXXX XXXX charges twice a week and the dispute team deemed them legitimate. 
Chime banking services They also deactivated my credit card with no permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX multiple times as well as the company I extended credit " XXXX XXXX  XXXX XXXX I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.