23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I entered into an agreement with ClearOne Advantage ( COA ) in XXXX. Nothing they've was guaranteed or true. For 53 months I've make ALL ON TIME PAYMENTS of {$970.00}. Initially it was 48 months and without notice it changed and then that tried to change it again. On each of the 4 accounts I entered into with COA they charged incredibly large fees were added to every account. None of the accounts were settled in a timely manner as promised. And to date all of the company 's are reporting negatively to the credit bureaus, which is costing me dearly with things like purchasing a car or getting a lone, etc. I filed a complaint with CFPB in XXXX, in which COA agreed to honor their contract for all the accounts. By the way they removed the contract from their site, luckily for me I downloaded it before they did it. To add insult to injury they did not honor their agreement and the last and largest amount owed. This company has sent me to collection ( XXXX XXXX XXXX, XXXX ), in the amount of {$18000.00} they exact amount that COA agreed to pay, meaning they paid NOTHING to this company. This added to my credit scores to plummet even lower. Customer service is dishonest and misleading and of no help whatsoever. I had no idea this company was not reputable. I received the information from XXXX XXXX as a suggestion, thinking it would be reputable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ending 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.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

SCUSA/GATEWAY ONE LENDING Date opened : XX/XX/2016 To whom it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify these payments and if you fail to verify I would ask you to delete permanently from my credit report, I also demand that you show supportive documentation that you are reporting this item as accurate, showing that actually been late, this is violation of 15 USC 1666 b which is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this issue but experian keep covering the same issue this is a fraudulent issue last year XXXX XXXX  servicing took late fees and one month payments they claimed owe and I pay them to stop the harassment but I made it clear they had to provide the late fees documents. they never did up to now they haven't I noticed that experian is going along with this fraud by not getting proof of it I made a complaint against XXXX XXXX XXXX and the kind of fixed the problem but not XXXX XXXX servicing they robbed me more than {$3000.00} dollars in lies but no fixed yet and not only this is but XXXX XXXX servicing stated thai was late for some many months with no proof and I can't get a new morgage company or refinance because this fraudulent lies that experian keeps smearing lies about late mounts I made a complaint not log ago for the same issue but they sending me a letter today that they resulted the problem but tge haven't yet
Product: Debt collection

The account was paid in full and agreed to be removed from my credit history. However the account still remains on XXXX and XXXX. Please remove. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$76.00} Original Creditor : XXXX ( Medical/Health Care ) Pay Status : & gt ; Account Paid in Full ; was a Collection & lt ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX I went to my local Bank of America branch. I wanted XXXX cashier 's checks to the same apartment complex but they wanted XXXX separate cashier 's checks. 
XXXX for {$25.00}, XXXX and XXXX totalling worth {$620.00}. 
I was never informed of the charges/fees at the counter. XXXX XXXX who was the teller was distracted by the ATM team/truck and he was the only teller so he excused himself. Returned back and processed the cashier 's check transaction. At no point did he say the charges were $ XXXX. 
I went home the next day I saw a charge of {$670.00} was posted on my account. I called BofA and was told only the branch can make these changes.

Upon receiving an email for customer satisfaction survey I responded to the survey and the Branch Manager called me the following morning. He assured me he will look into it and will reverse the charges but he also added " I can not grantee it ''. 
After waiting for days, I wrote to Bank of America 's investors relations and other got a response from someone who said I can correspond with her on her Co provided cellphone and she will get back to me. It's been over a month. 

For almost XXXX decades I have banked with Bank of America when they acquired me as a customer from XXXX acquisition. For all these years and especially during financial crisis I have kept upto XXXX months of my household expenses in cash in my checking account with this Bank. From XXXX through XXXX my avg bank balances were very high and I didn't get any interest and I didn't care. In these years I have used maybe XXXX cashier 's checks including these XXXX and money transfer possibly 4 times. 

Bank has no business in charging me fees that first of all shouldn't cost them anything but ink and paper. Secondly sending updates to their fees or service changes is absurd. Do they recognize customers just don't pack up and go to a competitor because there are more fees? Of course they do and they capitalize on it. 
If a bank employee is mediocre they will have no issues in firing the employee but the banks services and treatment of customers is poor and no one us responsible. Today is XX/XX/XXXX the incident of have reported to Bank of America 3 times occurred on XX/XX/XXXX. 

Should the XXXX management be fired for performing a mediocre job? 

There is no response and no one cares? They called me and promised me to " train '' the employee better that's it? 
Seriously why is there a {$15.00} charge for a {$25.00} cashier 's check? 
My son for whom I was getting the cashier 's checks is a recent graduate from XXXX. His XXXX charges $ XXXX 's check if BofA had told me XXXX were going to charge me despite my " preferred '' customer status would I have gotten the checks from BofA? My son has had his banking relationship with the bank for 4 years at XXXX, I have a Banking relationship that goes back to XXXX. Does it matter when BofA deposits XXXX interest for my deposits in checking account to see how much they are and have been making off of my money over the years? 

Shameless behavior
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted 2 dispute2 with TransUnion. The first dispute regards an account with XXXX XXXX XXXX. That account was closed in XX/XX/XXXX. Given the fact that accounts can only remain on a credit report of 7 years after the date they are closed, I indicated that the account should no longer be reported. 

The second dispute regards an account with XXXX. The account information states that the estimated month and year that this item will be removed is XX/XX/XXXX. It's important to note that TransUnion selected that estimated date of removal. 18 months have elapsed since that date. 

On XX/XX/XXXX, TransUnion informed me that they had reviewed both complaints and that both accounts would remain on my credit report. They gave no explanation or justification for their decision.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting by TransUnion under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) Dear CFPB Representative, I am writing to formally dispute the inaccurate and erroneous information reported by TransUnion on my credit report. This reporting violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate, complete, and verifiable information.

Upon reviewing my credit report, I have identified the following inaccuracies : Collections : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : amount {$8600.00} Despite my previous efforts to resolve these inaccuracies directly with TransUnion, they remain unresolved. These errors are negatively impacting my credit score and financial standing, and they must be corrected immediately.

Under the FCRA, TransUnion is legally required to : 1. Ensure accuracy in its reporting ( 15 U.S. Code 1681e ( b ) ).

2. Conduct a reasonable reinvestigation of disputed information ( 15 U.S. Code 1681i ). 
I respectfully request that the CFPB intervene and conduct a formal investigation into TransUnions failure to comply with its statutory obligations. Furthermore, I request the immediate correction or removal of this incorrect information from my credit file.

Enclosed Supporting Documents : A copy of my credit report, with the disputed items highlighted.

Copies of all correspondence with TransUnion regarding this matter. 
Any supporting documentation proving the inaccuracy of the reported information. 
I kindly request a written response from both the CFPB and TransUnion detailing the results of the investigation and any corrective actions taken. If TransUnion fails to comply, I am prepared to escalate this matter further, including seeking legal remedies for damages caused by their reporting violations.

Additionally, I am submitting this complaint through the CFPBs official complaint portal ( www.consumerfinance.gov/complaint ) for timely processing. 
Please confirm receipt of this dispute and advise me on the next steps in the resolution process. Thank you for your prompt attention to this matter.
Product: Mortgage

I reached out to Security Service Credit Union sent me a monthly statement for an amount due in Monthly payment that did not properly reflect the actual amount that should be due per my terms of my HELOC. I informed them that the calculated payment amount was not the same amount that should be due based off of the terms of my loan and the balance on the HELOC. I was told that I was wrong without being given any documentation on how they came up with their amount due. As it stands. I am being charged more monthly for my " interest only '' payment then the terms of my contract states as the amount being owed.
Product: Credit reporting or other personal consumer reports

I already submitted fraud & incorrect information on the last dispute and last 3 complaints i sent to Consumer finance site. everytime i submitted my complaint the company updated my address on the File their trying yo collect!!!! when i complained thats when they updatrd my address to that file because they had to send me the requested information!!! they marked the account as STILL open! i never used this account ever and they leep updating my actual addresses to this Credit card file!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with Covington credit/SMC  due to inaccurate information on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX  could not provide validation so they removed it from my account but XXXX  still has not done anything about this. They responded to the complaint stating they mailed a copy of my signature which i did not receive and they did not provide with response. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint. If after this complaint it is not removed I will be seeking legal actions. Below i have attached the inaccurate report. From a report on XX/XX/XXXX with all three bureaus reporting inaccurately to the report from XX/XX/XXXX with only XXXX  reporting. Please remove this from my credit report
Product: Credit card or prepaid card

I have a promotional card with XXXX XXXX Synchrony Home until XX/XX/XXXX. 
By paying {$75.00} a month my promotion would be paid off early.

The minimum due is {$64.00}, I have been making payments of {$75.00} siXXXX  XXXX of XXXX. 
I thought i was set up on autopay payments, but it was multiple. I missed my XXXX payment by XXXX days. I logged and set up my payments for another year. Today I noticed, that they charged me {$29.00} for XXXX, and additional {$40.00} for XXXX saying I have an {$18.00} amount past due. How is this possible when I have paid {$200.00}, more than I am supposed to, and now they are saying my minimum payment is {$100.00}. This is a promotional purchase until XX/XX/XXXX.
Product: Debt collection

The file is with the bureaus. Their number is XXXX XXXX XXXX. I called them today and they stated that they no longer had the file # XXXX and they they sent it to a collection agency called D & A services. They transferred me to D & A services and I spoke with the manager XXXX XXXX, she stated that they do not have the file that they say I owed. I asked her well why is it being reported to my credit report, she told me to contact the bureaus agency again. I did and they insist that they did not have the file either. Please have this removed from my credit report asap because they are reporting a file and debt that they do not have record of. XXXX is the only bureau that has taken this off my report..
Product: Mortgage

I am a XXXX year old home owner, who has admittedly struggled financially since the Great Recession of XX/XX/XXXX-XX/XX/XXXX, due to a substantial loss of supplemental income to my monthly Federal retirement annuity income, gleaned from a home-based business. However, on XX/XX/XXXX, I suffered a lost of my home to a fire. XX/XX/XXXX thru XX/XX/XXXX - notified mortgage company of loss right away, once I received reports from City Fire Marshall & Structural Engineer, Property Adjuster for Insurance company of severe structural damage to property, requiring demolition & re-building from foundation. Along with a total loss to structure, I also sustained a 75 % loss to contents in home, including furniture, appliances, clothing, etc ; & home-based business equipment & customer files. A builder contract was received, negotiated & executed for re-building of home, & approved by Insurer ( Estimated re-build costs went from $ XXXX to Actual re-build costs of $ XXXX ). All paperwork was submitted to Mortgage company property loss dept to manage. Demolition to property did not occur until XX/XX/XXXX, due to delays in obtaining permits from City Govt. Actual re-building did not start until XX/XX/XXXX. In the meantime, I was placed in 3 different temporary housing locations with tremendous expenses to me. XX/XX/XXXX - XX/XX/XXXX - Period of time it took to rebuild my home & in the meantime, I had run out of any funds provided for contents ( which were severely depreciated by Insurer from $ XXXX to $ XXXX ) - subcontractors received majority of these funds to restore any contents that could be restored. ) to begin paying regular mortgage payments. The Mortgage Co did execute a hardship disaster Forbearance Plan @ a reduced monthly mortgage to {$600.00} vs regular payment of {$1600.00} ( XX/XX/XXXX to XX/XX/XXXX ). I requested a re-consideration of a loan modification thru the the Mortgage Co Re-Entry Dept to allow me a few months to regained my loss of home-based business customers, whose paper & electronic record files/contacts were lost in fire. I submitted all requested documentation to Mortgage for re-consideration. From XX/XX/XXXX to current, I was led thru endless negotiations/contacts with various Mortgage Reps, Housing Counselling agencies ( 2 ) to gain assistance, until I received notice that my home was in foreclosure, scheduled for auction on the County court house steps on XX/XX/XXXX. At one point, I was told to pursue a Quit Claim Deed to add my adult children to my Title/Deed, in accordance to a new FHA Guideline, under Mortgagee Letter,  XX/XX/XXXX, effective XX/XX/XXXX. I discovered thru legal aid for senior citizens, who tried to assist me in obtaining a modification without results, that this Quit Claim process was not a viable option either ( it was taking me down a " rabbit hole '' ). I finally sought a Bankruptcy attorney to help me save my home, until I was able to make alternative plans to live in a State that was not my home State. This past year has caused tremendous XXXX and XXXX XXXX on my & my XXXX adult son personal health. an
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED IS PROOF OF THIS ACCOUNT BEING DELETED! PLEASE FOLLOW SUIT AND DELETE THIS ACCOUNT AS WELL. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not be on my credit report. Here is a copy of XXXX findings and proof of their removal of these items. Pursuant to Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is complete.
Product: Mortgage

I have had a Bank of America Equity Line since XX/XX/2004. I have NEVER been late. I pay in a local branch each month. I was informed that my payment would be increasing. I stated that it is high. I was told that I could apply for a loan modification. I was sent paper work with a 3 month trial at a reduced payment. I paid this payment as instructed but was marked late thereby reducing my credit score. 

I called BOA and was told they could not remove the late. I then called again and spoke to 4 people of whom 3 were supervisors. Each one said that the late could not be removed. 

They referred to the frequently asked questions that accompanied the loan modification trial that states : Your score can be affected. 

No one told me nor did I see in writing that it would be reported late. 

BOA stated it is a risk that it could which leads me to believe not all customers are reported late during this trial period. 

Please note, I did NOT pay it late. I paid the trial period amount as instructed. I have never been late since it was opened in 2004. 

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

the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Updated XX/XX/XXXX >Sold ; was Charged-off< Date Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act the XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to Transunion via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my Transunion credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Product: Student loan

I attended XXXX XXXX between XXXX. I truly believe we were lied to about certain aspects of this institution. I have applied to the XXXX XXXX lawsuit.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received two documents from your office. One is prepared on XX/XX/year> and one on XX/XX/year> ( conf. # XXXX ). 
The one prepared on XX/XX/year> tells the matter of following thing : We are in receipt of correspondence regarding your credit file from a family member or another individual. To maintain the security of your credit information, it is our policy and legal obligation to release that information only to you unless another individual provides a notarized Power of Attorney. 
From my observation, my family, XXXX XXXX and XXXX XXXX, who reseide with same address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, seem not to feel the necessity to ask the credit report behalf of me. As far as remember the previous correspondences with many credit report companies, sometimes, the people ask the credit report to prove the death. Since I live with them, I can not understand why they need to ask it. Anyway, after receiving who have requested the report, I want to ask them why they have felt the necessity to request to your branch. If the requested person is different from above-mentioned names, I need to report for the authorized institutions, organizations, and parties ; therefore, I request to your office and company to provide the name ( s ) of suspicious persons/party. And I believe this is the right based on the international law for the safety of person/human beings ( XXXX and XXXX ) XXXX I seriously believe your office have not received any notarized document prepared by Power of Attorney of some state.