23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 

THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!
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 XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. 

According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681S-2 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. 

( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on!!! 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. 

According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681S-2 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. 

( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX : unauthorized inquiry on XXXX XXXX Ally financial : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX auto ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Amount : XXXX Date : XXXX XXXX Unauthorized or non consent/not my account
Product: Credit card or prepaid card

I had received Members Special Offer from XXXX XXXX XXXX XXXX ( which I am a Member ) to APPLY for XXXX XXXX XXXX XXXX MasterCard and qualify for up to XXXX Points ( Equals FREE ROUND-TRIP TRAVEL XXXX ) among other benefits before XX/XX/2021. 

For about 5 exhausting days ( since XX/XX/2021 ) of NUMEROUS calls, I was DIRECTED to Bank of America, to APPLY for the Offer. For 5 days, Bank of America, persisted in DENYING my Application stating such offer does not exist, or, no longer Valid As luck would have it, on XX/XX/2021 I called Bank of America, AGAIN, ( as I was instructed by XXXX XXXX XXXX and was directed to one of their Credit Cards Processing Specialists, who sounded competent and very knowledgeable. After I provided her with my XXXX XXXX XXXX XXXX Membership No : the Bank of America Credit Specialist SURPRISINGLY found my VALID OFFER and went into processing my APPLICATION.. 
AFTER about 30 minutes of Questions, Answers and Verifications, Bank of America XXXX XXXX XXXX XXXX declared Congratulations, you have been approved for {$50000.00} I thanked her and hanged up. 

Astonishingly and ODDLY enough, the next day XX/XX/2021 I Found an Email from Bank of America stating Were sorry-we cant approve your request for XXXX XXXX  Mastercard Card. Reference Number XXXX As such, Bank of America, BETRAYED their promise and by doing so, caused me the LOSS of a FREE Round-Trip ticket ( Washington-XXXX-Washington ) and the LOSS of other benefits extended by XXXX XXXX XXXX XXXX. 

Thus, I seek your assistance and help in resolving this contradictory and conflicting matter with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a CFPB complaint in XX/XX/XXXX against my mortgage loan servicer, Dovenmuehle, a subsidiary of XXXX XXXX XXXX, who sold Dovenmuehle my loan soon after purchasing my home in XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle had misreported my taxes owed and had inflated my monthly payments incorrectly. I spent months attempting to get them to resolve the issue ( see attached original complaint ). 

On the evening of XX/XX/XXXX, I received a response from Dovenmuehle stating that they had corrected my tax lines, but they were still awaiting a corrected escrow analysis to be ran, so they could not tell me what my monthly amount owed is. 

Despite all of this, I have continued to pay my original mortgage payment through XXXX XXXX with the same staff processing the payment on time each month ( see attached proof of this communication for XX/XX/XXXX ). I had asked for confirmation that Dovenmuehle would hold off on any credit reporting/late fees given that they still can't tell me what my monthly amount owed is. I have documentation with this same XXXX XXXX staff for each month since the issue began documenting that I had paid on time. 

Dovenmuehle has reported to the credit bureaus that I am behind on my monthly payments, despite not being able to tell me what I owe, and despite me continuing to pay on time. This week, I received a notification that my XXXX score dropped XXXX points due to this incorrect reporting. 

Furthermore, in their response to my complaint, they are still incorrectly reporting my taxes. On XX/XX/XXXX, I attained the attached tax analysis documenting my the actual taxes owed on the property for the last several years. Since I attained the property, according to DC Office of Tax, what I have owed is the following : XXXX half of XXXX - XXXX ( paid at closing ) XXXX half of XXXX - XXXX XXXX half of XXXX - XXXX Dovenmuehle is stating that I owe for the second half of XXXX and the first half of XXXX the amount of {$1800.00}. I am not clear on when these figures are coming from. I sent the corrected tax analysis to them on XX/XX/XXXX, and still have received no response. 

To summarize, Dovenmuehle did not resolve any of the issues in my original complaint, as I still do not have the tax lines corrected, nor a corrected escrow analysis/monthly payment.
Product: Checking or savings account

On XX/XX/XXXX Citi bank randomly decided to lock my account and hold my funds for no reason whatsoever. They told me that my account would be closed, an Id receive my funds within 60 days. It has been well over 60 days and everytime I call Citi bank nobody has any information on my account. Due to my account being locked for no reason and not receiving my money in a timely fashion has ruined my life. Ive been late on bills and may have to file for bankruptcy.
Product: Credit reporting or other personal consumer reports

An nother account opened by a company. XXXX XXXX  .I asked for the letter to incure new debt this acount was open after the XXXX XXXXXXXX was filed I know that this company needs that letter and they opened an account with out permission from the XXXX XXXX Trustee.
Product: Student loan

I called to speak with someone today ( XXXX ) about late payments in regards to my student loans for last year. When I mention to the individual I was speaking with that I never received anything in the mail or an email in regards to making payments once I graduated college in XXXX of XXXX ( however I was allowed to walk but had to complete a class for 3 credits which I never recieved ). The fact that these late payments are on my credit history are having a very negative impact on my score.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

XXXX 2015 : I called to make a payment on XXXX, asked the rep directly if they could waive any of the late fees from previous months since I was catching up from being XXXX payment behind. In previous calls trying to catch up I asked if I had late fees to pay and reps at times said no. What they really meant was you do n't have to pay them now. Slightly inaccurate when a customer ( me ) asks what is my late fee or when does it apply. 
Last XXXX XXXX, I called to make a payment ; the young lady said late fees go into effect on the XXXX so I could have a manager call me back. Wrong! Yes a manager could call me back but a late fee was applied to my account {$28.00} for waiting to hear back from a manager. I still offered to make a payment Thursday the XXXX so it 's Super upsetting to incur any fee for something you ask about directly and are misinformed about. 
She was wrong about the late feeShe was wrong about having a manger call me back. Someone called saying they were from US Bank and left vm with general XXXX numbers and no name. so I had to call back XXXX and start the request for manager to call back all over again. 
This is all happening so fast my XXXX credit rating has slipped below XXXX. Thanks US Bank for making it so difficult to get accurate information about payment and fees information. Your reps are wildly inconsistent. 
Are they trying to drive customers into further default? 
Is US Bank trying to cause consumers to default on home mortgages and they foreclose on them? 
I 'm back to work as will be paid in full as of XX/XX/2015. How about the rest of their customers who are n't as fortunate and have to go through the repeated misinformation and delays associated with trying to get right information and make right amounts of payments to get out from default. God bless ... 
Please advise ... 
XXXX XXXX
Product: Student loan

SERVICER : FEDLOAN LOAN # XXXX I am eligible for a REFUND as stated by XXXX program when I overpaid over 120 payments. From XXXX ( 28 payments totals to the amount of {$3400.00} )
Product: Checking or savings account

On XXXXXX/XX/year>, I deposited a check from XXXX XXXX for {$140000.00}. I was given a deposit transaction receipt stating the full amount would be available today ( XXXX  ). 

None of the amount is available and no one can tell me why. The explanation is that its a corporate decision.
Product: Credit reporting or other personal consumer reports

This reporting is inaccurate and is in violation of the Fair Credit Reporting Act. I am writin15 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. 
g to dispute inaccurate information on my credit file, which has been reported by Experian. This agency violated my rights as a consumer. 

accounts in questions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Scammer stole my card and bank information using my voice and phone number and email to respond to charges by agreeing to them. I now have to go through bankruptcy to cover the charges on my credit card and the loss of my XXXX I had in my XXXX XXXX accounts. I also had to pay back XXXX they took from my line of credit. XXXX only gave back XXXX, XXXX XXXX rejected the payments, but Discover Card never refunded me and refused to. They stated since 'I'agreed to the charges, there was nothing they could do.
Product: Credit card

I have frozen my credit due to someone opening a XXXX XXXX credity card and a XXXXXXXX XXXX credit card in my name. Then last week for the second time someone has try to open a credity card through Barclay Bank Delaware which caused a hard inquiry on my credit report. XXXX caught it before anything went through.
Product: Debt collection

Based on. 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer rep560er the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer n agency WRITTEN CONSENT to report anything on my consumer report which viol rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

hello I have signed up the the Albert app. Upon doing so and linking my bank, now this company takes out money from my bank with no schedule or warnings beforehand. I have expressed my concern and eagerness to cancel, and even though they agreed not to take any more funds out of my account ( in writing ), they are still doing so and refuse to cooperate. They do not have an operational channel of communication, and all they do is ignore my messages. i have bank screen shots and message screenshots with this company. is there anyway to get a formal investigation against this company? seems like there are countless stories of scams from this company
Product: Debt collection

I am receiving repeated calls on a daily basis. When I do answer the call the person on the other end very quickly gets rather nasty and accusatory. I even offered to pay a regular amount with auto deduction but he wasn't interested in setting this up as he proceeded to belittle me for offering this monthly amount that he considered unsatisfactory. During our last conversation, I asked him to remove all of my phone numbers from his list and to cease all calls to me. I requested that he correspond via the mail. He went on to accuse me of ignoring his mail. Quite frankly, I do not even have any record of him ever sending any mail to me. He is mean, rude and uses abusive LOUD language. When I present some information that he doesn't want to hear he simply ignores the comment and talks over me with some derogatory comment or question. I spoke to him again yesterday and asked again that he remove BOTH of my phone numbers. He will not verbally acknowledge this in the conversation.
Product: Credit card

Through our recent experience, Citi Bank Credit Services has not followed the requirements of the Credit Card Act of XXXX. 

-Citi Bank put our XXXX payment, after a mere 2 days late ( more information below ) immediately into default mode with a penalty APR of 29.99 %. They did not respect the 30 day window the law grants us to make a late payment without APR increase. 
-In their notice to us ( which was embedded on page XXXX of our statement ), they do not clearly state when the penalty APR will be lifted. The law requires that our account is reviewed within 6 months and that this be stated on the notice. 
-They also did not inform us that we were legally permitted to cancel the account, maintaining the original APR within 45 days. 
-They are using our payments towards the lower APR first, where the law requires them to use our payments towards the the higher APR first. 

Additional Information : In XXXX, we were 5 days late paying our bill as we were out of the country without internet. We paid immediately upon our return and contacted the company on XXXX XXXX to confirm there were no issues with our late payment. They waived the fee and said there were no repercussions of our actions. However, as of XXXX XXXX, our APR increased to the penalty APR of 29.99 %, effective on our XXXX bill. We have called multiple times to discuss this issue, with no success.
Product: Debt collection

Jefferson Capital Systems has placed a derogatory remark on my credit report. They are attempting to collect for XXXX XXXX XXXX. Alleged debt amount is {$220.00} I have no knowledge of this account and any other account from XXXX XXXX. Just in the past month XXXX XXXX has confirmed that they do not have any accounts on file bearing my name. This can be verified if Jefferson Capital wants to contact the North Carolina Department of Justice Attorney Generals Office, refer to case # XXXX They can also contact XXXX XXXX personally @ XXXX ext. # XXXX ask for XXXX XXXX. 

Also, I never received a notice from this company written or otherwise that they were attempting to collect on this debt. Rather they placed a negative negative remark on my report without offering the opportunity to dispute and or request validation of this alleged debt, which is my right pursuant to the Fair Credit Reporting Act. This is a violation of my rights and a violation of the Federal Law
Product: Debt collection

XX/XX/21 - I have a recording of the call with XXXX from Legal Action Bureau. He repeated called before XXXX CST on XX/XX/21. In addition, when I spoke with him on XX/XX/21 - I put him on hold to research my bank records, as 1 minute passed, I came back to the phone to ask XXXX to hold on another mintue, he aggressively response, " you know this is real and we're going to report it for {$100.00} if you don't pay. '' I tried to explain and he continued to over talk and become more aggressive in his approach.This company should not be in business or XXXX should be fired. XXXX lied and said that if I don't make the payment through legal action bureau by XXXX Eastern time, that it will be reported to my credit bureau. I contacted southern lawn made the {$100.00} payment XXXX at XXXX on verify that I have a choice if I want to pay through them I can or legal action bureau. She confirmed that since I made my payment through southern lawn, she would contact legal action bureau and let them know the payment has been received. XXXX is in violation because one he lied to he's aggressive and he was harassing me. In addition if you listen to the recorded call they did not even contact me the correct way they had the incorrect email and phone number and today yesterday was the first time they contacted me regarding this so that was wrong.