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

I have applied for an attorney with XXXX XXXX. The use First Advantage to run the tenant background checks. My application was denied based on the results of the background check run by First Advantage. I called First Advantage on XX/XX/XXXX to address their concerns. All charges are over 8 years old, some 15 & 16 years old. On XX/XX/XXXX, I reached out to First Advantaged and informed them that in the State of Texas, XXXX XXXX XXXX and XXXX XXXX. Sec, 20.05, A ( 4 ), specifically prohibits them from disclosing items longer than 7 years, My request to rectify the situation was to have a new report only going back 7 years. The dispute # XXXX, was completed with no change results, First Advantage, stated that FCRA was written prior to the Texas law is not taken into consideration. I filed a new dispute. # XXXX. Due to the extensive time line, I can not find affordable housing for my family.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address significant concerns regarding billing errors on my accounts as per the United States Code, specifically TILA ( 15 U.S. Code 1666 ( b ) ).

Upon reviewing my credit report, I identified multiple billing errors falling under the provisions of 15 U.S. Code 1666 ( b ) specifically, ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor; and ( 5 ) a computation error or similar error of an accounting nature of the creditor on a statement.

I am particularly disturbed to find discrepancies related to the notification period for statements. According to my understanding of the law, a creditor is required to notify me at least 21 days ( approximately XXXX weeks ) before a statement is due. This notification failure has led to unwarranted late payments on the mentioned accounts. I hereby request solid proof from your records that substantiates these alleged late payments. 

The following accounts have been adversely affected, and I insist on their immediate correction in my consumer report to reflect the accurate status as " paid as agreed '' : XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ProgressXXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to consumer protection laws, these accounts must be promptly updated or deleted from my report. Failure to do so will compel me to seek monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Additionally, please be advised that a formal complaint has been submitted to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. I trust that your prompt attention to this matter will help resolve these issues amicably. 

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

I am XXXX XXXX, and I hereby submit a CFPB Complaint in response to your recent investigation. Your findings are unacceptable and demand absolute accuracy. It is evident that not enough was done to effectively reach out to the creditors reporting inaccurate information on my report. I demand immediate and comprehensive information on these items in question. Your failure to address this matter with utmost urgency will not be tolerated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - It has come to my attention that this charge off account with a XXXX balance is still being reported on my credit file. As this account have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I need to dispute charge off this account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Product: Mortgage

On the XXXX of XX/XX/XXXX I attempted to close a real estate transaction at XXXX XXXX ( XXXX ) of XXXX VA. The transaction involved two lots ( tax map numbers ) and it was brought to my attention by the previous owner at closing that XXXX XXXX had forgotten to include one of the lots. The loan in question was correct as was the paperwork accompanying it, listing the two parcels in the sale on one loan. The originally quoted escrow and monthly payment were not correct due to the errors on behalf of XXXX title, the closing documents and calculations were prepared by XXXX XXXX, a representative of XXXX XXXX. After closing we were contacted by XXXX and advised of this error on their part as well as advised that the previously quoted amounts were incorrect and would be considerably higher due to their mistakes. After the first taxable period passed I was contacted by XXXX County representatives advising me the taxes had not been paid on one of the parcels. I contacted XXXX XXXX as well as Arvest mortgage multiple times to attempt to correct the problem. After speaking with both at length, I was advised the problem was corrected. Today, XX/XX/XXXX, I was contacted again by XXXX County advising me the taxes on the 2nd parcel had not been paid since the date of purchase and due to this, had accrued large penalty fees as well as interest fees at each billing cycle. Two years into this real estate transaction a large portion of the paperwork remains incorrect. I contacted Arvest Mortgage and advised them of the delinquency notices, they state the deed they received from XXXX XXXX only lists one parcel and are collecting and paying escrow based off the information received from XXXX XXXX. They only list one parcel and have not received any corrected information from XXXX XXXX since the date of the transaction. There is currently {$570.00} listed in delinquent penalties and interest due to paperwork errors on XXXX XXXX 's behalf but in my name as well as {$3200.00} owed in unpaid taxes totaling {$4100.00}. After my initial inquiry with XXXX XXXX as well as XXXX County I am under the impression they ( XXXX XXXX, XXXX VA ) are incapable of correcting their mistakes at my personal expense. I was advised by my loan officer on this transaction to file a complaint with the consumer financial protection bureau after multiple attempts contacting them to correct the problem.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and yet the Credit Bureaus have grown negligent of their duty to comply with the Federal statute, Fair Credit Reporting Act. I have been trying to correct my Credit File by asking the Credit Bureaus to remove the negative late payments from my Credit report since these information are misleading and inaccurate. I never missed a single payment and yet the Credit Bureaus are still reporting these accounts as late despite the fact that I never missed not even as single payment. I tried contacting the Creditor and Data furnishers of these accounts and it is only a matter of time before they respond and prove to the Credit Bureaus that the information they report are inaccurate. These indifference of the Credit Bureaus have caused me to suffer from erroneous reporting. I am submitting this CFPB Complaint once again to request to the Credit Bureaus to correct the payment history and remove all negativities from my Credit File. I need the Credit Bureaus to correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations reported to the federal trade commission XXXX  XXXX master card XXXX  XXXX XXXX  XXXX  card XXXX  XXXX  XXXX credit card XXXX  XXXX  XXXX  XXXX XXXX  XXXX  all inquires on the above XXXX XXXX
Product: Vehicle loan or lease

I spoke with a representative on the phone who couldnt provide too much information but that once Id agreed to the contract, that Credit Acceptance had the right to add on the original amount however much according to what they thought fit the value. And because I signed the contract, that was what was the deal. When I signed the contract, I didnt know that credit acceptance would add another {$14000.00} to the loan. The contract literally only shows the original {$12000.00} ( somewhere around this amount ) payment with proof of the few thousands I put down to drive the car off the lot. This was a used car that had a mileage initially of XXXX, not exactly but somewhere in this range. I always thought that this didnt make any sense, but it was my first time purchasing a car off the lot and I went with it. But its going on 2 and a half years and Im still paying on this car but my balance is showing {$9500.00} on other app platforms, like my credit card status from the credit bureaus and inquiries and XXXX XXXX. But when I go on the actual website to pay my balance with credit acceptance, it shows my remaining balance of {$14000.00}. I attempted to refinance my car sometime around XX/XX/ and the representative informed me over the phone that my remaining balance on their end was {$9700.00} something and I was confused because it shows otherwise with credit acceptance. Its very misleading and confusing. Im not sure if Im misunderstanding since this is a huge legal process that takes place in vehicle marketing and maybe this is how things operate, but then again Im also not sure if I'm witnessing fraud right before my eyes. There was a case on this earlier in the year of XXXX and Ive just swept over the article of the CFPB suing just now. I was encouraged to complain and share my case just now. I think that I should complain because it unethical and immoral of this and it needs to be right. Or someone to show me if Im wrong. I really hope that there is a way for compensation.
Product: Credit card or prepaid card

In XX/XX/XXXX I made an incorrect payment use my XXXX XXXX online banking application, I paid an old credit card that was sold from Barclays - BARCLAYS BANK DELAWARE - CREDIT CARD. The payment was for {$1100.00}. When discovered the error worked with XXXX XXXX and XXXX XXXX sent proof of payment on XX/XX/XXXX - to XXXX XXXX XXXX. XXXX XXXX agent and I spoke to customer service who supplied the number and instructions for getting the payment traced and process. The Barclays representative stated it would take up to 25 business days. XXXX XXXX and I followed up on this a few times after the 25 business days. I with a XXXX XXXX representative escalated the situation on XX/XX/XXXX during a 2 hour session of being transferred and put on hold numerous times. Finally a manager XXXX XXXX XXXX said he would escalate and would also send an escalation email and was hoping for a two day turnaround but should be within 5 days and he saw they had everything they needed in XXXX. 

I called today and was put through to a manager who says nothing since XXXX was worked. Gave a new SLA of 10 days. 

This should be a very easy item to resolve especially with the proof of payment - this illustrates numerous control break downs, lack of knowledge for SLAs and processes and poor customer service - they refuse to call me or provide anything in writing - feel like I am dealing with criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Equifax is in error regarding their completed Investigation of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the hard pull inquiries are valid or not. The dispute centers on the CRA 's ( Equifax 's ) right to REPORT the hard pull inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the hard pull inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the hard pull inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified hard pull inquiries MUST BE DELETED from my Credit Report file.
Product: Credit card

I have my Amazon store credit card set to autopay my statement balance each month to avoid interest fees. I recently received email marketing from amazon recommending to me to shut off my autopay to take advantage of promotional financing. The email is worded in a way that suggests I've done something wrong and am not getting the best deal by using autopay and paying off my statement balance each month. This is misleading advertising that encourages consumers to grow credit card debt under the guise of a missed opportunity. If I need financing options, I will seek them out. Credit card companies should not be making financing recommendations as they have a clear interest in giving poor advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance  : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX and email was sent to my junk folder on XXXX I noticed the email while looking for another correspondence. It stated that a warrant would be issued for my arrest due to the debt owed. My social security number was listing as well as other information. I called the original loan office ( Speedy Cash ) on their fraud line because I believed this debt to already have been paid when I traded in my vehicle. They confirmed this debt was already paid and the email was fraudulent. They told me to report it through your website as well as pay attention to my credit report and bank statements from here forward since the sender had so much of my information.
Product: Prepaid card

received a reloadable debit card in the name of XXXX XXXX- at my address- this is not me and i have never heard of NetSpend. 

I tried multiple times to contact the customer service number and can not get through to to a live person without providing my social security number. 

i want to know why this was sent to my address and who this XXXX XXXX is - and why is she using my address. want the account closed and removed. 

This company should not be allowed to send debit cards unless requested.
Product: Credit card

Ordered a computer component that was {$2200.00} on XX/XX/year>. This order was then delayed until and utilized different shipping XX/XX/year> when it says it was " delivered ''. This was in fact never delivered to me and I still have yet to receive the product. ( given it has been over a month I would assume its not coming either. Shipping " confirmation '' was not signed and I have proof of this. ). A week after the posted delivery date I started a dispute with my credit card company chase. Unfortunately chase closed the dispute, it appears without even looking at it considering the shipping confirmation signature is blank...
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Product: Payday loan, title loan, or personal loan

I have a personal loan with Wells Fargo that I attempted to pay off on XX/XX/XXXX. I have had around a dozen conversations with customer service since, some lasting upwards of XXXX hours in an attempt to obtain answers and close this loan. At XXXX point I was told that I would be cut a check for around {$2600.00} as they had an over payment, to being told I still owe $ XXXX the next call. 

XXXX : XXXX. XX/XX/XXXX - Check deposited at a local branch in the amount of {$1800.00} ( This check was cancelled and reissued ( see entry below ) by the issuer, unbeknownst to me at the time I deposited this check ). 
XXXX. XX/XX/XXXX - Check deposited at a local branch in the amount of {$1800.00} ( This check was issued by the company to replace the first check ). I notified the teller that the check cashed on XX/XX/XXXX was to be voided and this one would replace it. 
XXXX. XX/XX/XXXX - I called in to make a payment via my Credit Union checking account XXXX to close the loan. Payment was obtained in the amount of {$26000.00} to XXXX the account. 
XXXX. Multiple calls made over the following weeks where I spent hours reexplaining the situation and asking for clarification. NO XXXX had answers or could give me a good accounting of what was happening with the account and all the payment reversals. 
XXXX. XX/XX/XXXX - I called and spent XXXX hours on the phone with customer support, talked with XXXX different people and was told that the XX/XX/XXXX check in the amount of {$1800.00} had not been applied to my account ( no explanation as to how this happened ) and I owed approximately $ XXXX to close the account. I was told that I needed to contact the issuer of the check to have it reissued. 

Issues : XXXX. The check for {$1800.00} that was deposited on XX/XX/XXXX according to the issuer has been fully deposited ( See attachment ). Wells Fargo wrongly reversed and did not apply this check to my account which then started a chain reaction of issues and extra interest accrued due to not actually closing the account out as it should have been. Wells Fargo has control of this {$1800.00}, it was NOT returned to the issuers account and it was wrongly reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a new credit item on my credit report in early XX/XX/2023. Someone used my information to open an account fraudulently with Self Financial/Lead Bank for a {$720.00} secured loan. I filed a dispute with XXXX XX/XX/2023, and when the results found the info on my report to be valid, I filed again XX/XX/2023. Same results. I contacted Self by phone XX/XX/2023 with instructions to text them for an email to send my issue to. Email sent. Called back XX/XX/2023 after no response and spoke with a gentleman who verbally confirmed I was not the individual that opened the account ( I have a video recording of this call ). Told me to email them again with a copy of my FTC fraud claim report, I did. No response. Emailed again today XX/XX/2023 noting I opened a XXXX complaint after no responses. I discovered today a XXXX phone number and address were added to my credit report the same week the fraud account was opened.
Product: Credit card or prepaid card

I opened a credit line to buy a set of couches from XXXX XXXX. The credit is from Synchrony Bank. The initial credit limit was {$2500.00} and I used it to buy the couches mentioned above. The issue is that Synchrony bank decreased my credit limit below what I owe and my credit score shows that I'm using 145 % of my credit. Synchrony bank is doing this with the intentions of affecting and charging fees that they shouldn't have. My other concerns are that I have other cards with them and they're decreasing the credit limit and I'm afraid that they will also decrease my credit limit below what I owe, which will increase my credit usage above 100 %. I talked to them and they said that they can't do anything about it. 

As a customer, I have credit and loans with other banks and they're not decreasing the credit limit below what I owe. I don't think that it's legal what Synchrony bank is doing, specially during a pandemic year and inflation. They're taking advantage of their customers and affecting the credit score. I told Synchrony bank that the only reason that my score is affected is because what they did with my credit line, where they decreased it below the amount I owe. Synchrony bank decreased the credit line closed to when the promotion expired. They're sharks trying to charge fees and ruin the credit of the costumers. None other banks that I have are doing what Synchrony Bank is doing.
Product: Credit reporting or other personal consumer reports

XXXX  account number : XXXX balance amount : {$350.00} XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$390.00} XXXXXXXX XXXX XXXXXXXX account number : XXXX opened : XXXX XXXX balance amount : {$440.00} XXXX XXXXXXXX account number : XXXX opened : XXXX XXXX balanced amount : {$330.00} XXXX XXXX XXXXXXXX account number : XXXX balance amount : {$380.00} opened : XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$990.00} XXXX XXXX  account number : XXXX balance amount : {$350.00} opened : November 17,2022 15 U.S.C 1681Q, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Under 15 USC 1681B, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Product: Checking or savings account

I started this account probably 3 and a half months ago and was having money from my paycheck put in it to save I never spent money out of the account, over 60 days ago I was informed that my account was blocked and when I called them they said the account would be closed in 60 days and I would receive a check with the remaining funds and they couldnt talk about it anymore and would hang up on me. Ive called them multiple times since then and have got hung up on every time havent received my funds and my account is still blocked. I dont have dates on my phone for the calls because my list doesnt go back that far. But there is almost 2000 $ in this account its also a Online bank and the nearest branch is in California and i live in Kansas.