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

I sent in dispute letters to the credit reporting agencies ( XXXX, XXXX, and transunion ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/XXXX and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to Bank of America ATM at coliseum XXXX, XXXX, va on XX/XX/XXXX XXXX I attempted to make a {$200.00} payment in the ATM and the ATM kept XXXX of my XXXX dollar bills. The machine did NOT add to my account or give me a receipt confirming payment. 

I put the returned {$100.00} bill that was given back to me back into the machine in a new transaction, and it went through with no problem. I report, lost if XXXX bill, same day ... ... and clerk stated it would take 7 days to resolve. It is now OVER TWO weeks and the bank is now telling me that it could take two MONTHS. 


I need to know what is going on and I need my {$100.00} payment credited ASAP. I am sure ATM machines get checked every day and they should have known that too much money came out on the day my XXXX dollars was taken. The bank will NOT credit my card.
Product: Debt collection

I the federally protected consumer entered a consumer credit transaction with Bridgecrest in regards to my vehicle being used for personal and household use. As Bridgcrest is the EXTENTION of my credit extended back to me ORIGINAL CREDITOR. They provided me with a copy view contract, not even the original contract. I got the contract and went through it and came to an understanding that Bridgecrest violated me in multiple ways. I was never provided with the disclosure of my right to rescind the consumer credit transaction. Outside the finance charge, which is the sum of all charges there should not be any other charges and my insurance premium should of been included and it wasn't. Bridgecrest is not suppose to use any symbols in the contents used by the mail indicating they are in the debt collection business. Bridgecrest can not advise a consumer they owe a debt. Bridgecrest is consistently using XXXX name throughout the contract and I don't have a contract with them, I reached out them previously before reaching out to Bridgecrest. Bridgecrest is creating unlawful forms to create false belief in a natural person owing an alleged debt when it was a consumer credit transaction. The alleged debt shows in a positive balance. Bridgecrest is using XXXX location information when I don't have a contract with XXXX. Bridgecrest received consideration at the start of the consumer credit transaction using my social security card. Bridgecrest is using obscene language advising of repossession and and taking back my vehicle which there is no way Bridgecrest the company or any uninterested 3rd party can steal from a consumer. Bridgecrest used profane and threatening language by advising me the consumer to pay for a lawsuit for a fraud contract. Bridgecrest is using XXXX name as if they are collecting the debt when I don't have a contract with XXXX. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to Truth and Lending Act.
Product: Credit reporting or other personal consumer reports

I am compelled to write to you regarding an urgent and distressing matter involving my credit account with XXXXXXXX XXXX XXXX  XXXX, which was discharged through XXXX  XXXX bankruptcy XX/XX/2023. It has come to my attention that XXXX XXXX XXXX with XXXX XXXX XXXX XXXX located in XXXX, Ga has been engaging in unauthorized and fraudulent activities by updating this closed account included in my XXXX XXXX  as an open balance account on my credit report. These updates have occurred on a nearly monthly basis since the accounts legal closure, directly contravening federal laws and the terms of the bankruptcy discharge.Hes been financially bullying and Ive just realized the negative impact its had on my account Hes a big issue and a horrible banker in this community and I do not appreciate the crooked behavior of this banker.
Product: Mortgage

I had a second mortgage that with   XXXX    XXXX  I filed Chapter  XXXX  bankruptcy several years ago and included them in my bankruptcy the debt was discharged. The mortgage loan was transferred to  XXXX   XXXX   XXXX  and they have set a property foreclosure sale for my property for the loan that was included in my bankrupty. My  1st m ortgage is with  XXXX  Mortgage and they were not notified of this sale nor did I receive notice of the property foreclosure sale. It is a mismeador in the  State  of Tennessee to move forward with a property foreclosure sale without giving the appropriate  30 no tice that is required by law. Also you can not collect on a debt that was included in a chapter  XXXX  bankruptcy and discharged.
Product: Checking or savings account

BMO bank took over XXXX recently. The account they put me in had a service fee. They did not disclose this fee or how to avoid it. I called once I saw the fee and after waiting an hour an agent was finally able to adv that he can change the statements to online and it will waive the fee. He said I wont get a fee in the future. Then I see the same fee next month. I called and she advised that I need to change my statements myself and they wont waive the new fee until that happens. I was very clear that I was lied too and it didnt matter. I asked to speak to a supervisor and she said there wasnt one.I continued to push and she put me on hold for over an hour and I had to disconnect. Mind u all of the people I have spoken from BMO are from another country and continuously give me wrong info. I submitted a survey w this information and still never got a call back. Recently I got a text that there was an attempted charge for XXXX from XXXX. I responded that no this is not authorized and I called customer service immediately. She lied to me and said that the charge was declined. She ordered me a new debit card. I was very upset because I never activated the card they tried to charge. I never used it online or at an ATM. I just saw today that the XXXX charge posted to my checking account. I called and confirmed that there was no claim that was filed when I was clear that this was an unauthorized transaction previously. This is a violation of reg e and had a financial impact due to them lieing. This is a violation of Udaap. I was very concerned that the fraudsters had my checking account because how were they allowed to use a debit card that was not activated? The bank was not able to answer this and said they filed a complaint for me. This is unacceptable and this company continues to lie to me about whats going on on my account. This is my money and how I pay my mortgage. The agents continues to tell me the fraudsters used a debit card. How was a debit card that was never activated used online or at an atm allowed to go through? This is very concerning. How are banks able to protect us if they r letting charges go through a checking account from an invalid card? This is terrifying and they should have to answer to how this happened, why I was lied to and why a claim was not filed timely.
Product: Checking or savings account

On XX/XX/2023 a client pay me summer {$570.00} in which Chase Bank received it via a link. After receiving a payment, Chase bank, then froze the funds and close the app and refused to tell me where the funds is located. After speaking to several representative, they all told me that they cant not give me any information with regards to where my money is located when they will be released, but that it can take up to 120 days. I am livid as we are a small family owned and operated business, with XXXX children. Give me my money. I will file suite against this crooked XXXX establishment for damages for stress, and unfair business practices.
Product: Credit reporting

Trans Union says even tho bills are paid and court has dismissed the bankruptcy/chp.XXXX. Trans Union has to report the Bankruptcy for the next seven years. Which keeps me from borrowing money or opening new accts. This is false information and against my civil rights. 
I dropped the chp.XXXX and opted to pay off bills instead of continuing the bankruptcy, but Trans Union says it must state that I am still in Bankruptcy. Help Me!
Product: Debt collection

XXXX XXXX  XXXX, XXXX has treated debt validation letters from me with out resolving the problem. They may have acted unprofessionally and have used misleading promises about deleting an account from my credit report. I disputed a XXXX XXXX account XXXX for an amount of {$630.00} several times. On XX/XX/XXXX, I did received a letter from them saying " XXXX, XXXX filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete XXXX, XXXX 's trade line for this account on you credit reports. '' However, the account & number for XXXX XXXX they agreed to delete ( XXXX ), this account showed a {$0.00} balance and has already been deleted in XX/XX/XXXX. I disputed this with XXXX, XXXX again and on XX/XX/XXXX received what appears to be another false and misleading promise to delete a XXXX XXXX account with a {$0.00} balance with account number XXXX. Again, this account has already been deleted in XX/XX/XXXX. 

Please investigate this practice of XXXX XXXX XXXXXXXX, XXXX and have them delete XXXX XXXX account # XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to know about the Hard inquiry on my credit score from XXXX XXXX XXXX XXXX on XX/XX/2018. It is wrong information. 

Secondly, I found another wrong Hard inquiry on my credit score from XXXX card service dated XX/XX/2018. 

Kindly remove both wrong information and increase my credit score accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my XXXX credit report with credit Karma today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why XXXX told credit karma to report something and then lie about it, I called XXXX to try and figure out what is going on with this problem and some guy told me that credit karma is reporting false information so I asked they guy how can credit karma report something false when all of the information that they report comes directly from XXXX and then the guy told me that they have a relationship with credit karma but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame credit karma for it. I will also contact credit karma and ask about this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau the documents needed are a picture id, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block the information from my credit report within four business days, pursuant to section 605C OF THE FAIR CREDIT REPORTING ACT. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has verified an item on my credit report. I have sent proof from the original creditor showing that showed a XXXX Balance. XXXX is a complete joke, that simply verifies items without a true investigation. This is a medical collection, so once the balance is paid it should get deleted immediately due to Hippa Laws.
Product: Debt collection

i have been getting numerous call from people who claim to be from different agencies, looking fo collect information and money from me. i have gotten calls from " car dealers '', " social security administration '', " XXXX city sheriff '', XXXX XXXX  XXXX XXXX ''. All wanting to get my personal information and requesting payment in order to not proceed with legal action. I have always asked to give me a call back number and their information, and sometimes they provide made up information, other times they just hang up. Most recently i received a notification on my XXXX XXXX with XXXX, for " information breech '' every time i want to log in to the apps on my phone. 
i recently received a notification for a transaction i did not approve, for XXXX at a XXXX for {$220.00}, and a few declined transactions for {$100.00} at a XXXX XXXX as well from XXXX that i did not authorize. 
cfpb complaint # XXXX
Product: Credit card or prepaid card

I Paid our account in full on XX/XX/2021. - {$470.00}, but a " minimum interest charge '' was applied as the payment was processing, so the bank carried that {$2.00} over to the next cycle, leaving me unaware of a balance even being due. So they then tacked a late fee onto the account, along with another {$2.00} minimum interest charge. And then reported us as 30 Days Late to the credit bureaus. 

The missed payment was during the XXXX shut down while we were dealing with related health complications. 

I've paid the balance due in full, which includes 3 months worth of late fees and 3 months worth of minimum interest charges. We are now out the money and have been left with a 30 day late mark, right in the middle a national pandemic, and while we are right in the middle of underwriting to close on our home, which is located in a completely different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint with the CFPB ID # XXXX Credit acceptance corrected my credit report. We worked to create a payment plan for the months of XXXX, XXXX and then by XX/XX/XXXX I needed to pay a full regular payment to them. I have complied to each payment arrangement including paying a full payment in XXXX and paying more than what was required. On XX/XX/21 I received a notice from both credit bureaus that Credit Acceptance is once again reporting me 120 days late. This is unacceptable and needs corrected ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of transaction history, specifically late payments, on my credit report by XXXX, Experian, and XXXX. Upon reviewing my credit report, I have observed that all three entities have reported late payments, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, it is illegal to report transaction history, including late payments, on a credit report. Transaction history pertains to specific details of financial transactions, such as account balances and payment history, and should not be included in a credit report. 

The reporting of inaccurate transaction history, such as late payments, can have detrimental effects on my credit standing and financial well-being. Therefore, I demand that XXXX, Experian, and XXXX immediately cease reporting this inaccurate information and update all late payments to " paid as agreed. '' Furthermore, the reporting of late payments on my credit report is also a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. 

I request that XXXX, Experian, and XXXX conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please be advised that if XXXX, Experian, and XXXX fail to update the late payments to " paid as agreed '' as requested, I will exercise my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX, Experian, and XXXX to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

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

I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit card

I have contacted this company called, Swiss Colony directly through mail letting them know that I am disputing this item on my credit report and also that this account is fraudulent because I never received the item they are charging me with {$130.00} on my credit report. I have seen that they have not place the notice that the item have been disputed by consumer. I know it 's been over 30 days and I am willing to go to court for their negligent. I want the item to be taken off all my credit reports. I have a fraudulent alert on all my credit reports because of this item from Swiss Colony sticking me with this unpaid account. They ca n't prove anything that this account is actually mine or if I have signed an agreement bearing my signature. They could n't provide the information to me. I just want the item to be removed from my credit report. I am so willing to forget going to court in exchange for them to remove the item off all my credit reports. I have letters to prove that I have written to them that I have disputed the item on my credit reports and they still have broken the law by not providing the dispute statement on my reports.I have also let them know that the account is not mine but they want me to get a police report to prove it. I told they that I always use Apt XXXX B to get my mails because of my neighbors beside me, it is possible that they could have receive the product from Swiss Colony and never report it. I did not order anything from them and they refuse to believe me and I want them to remove this account since they have closed it. The statement is still not on my reports after I have disputed the item. So they have broken the law and I want it removed off all my credit reports. Swiss Colony have violate the FCRA section 623 ( a ) ( 3 )
Product: Debt or credit management

I came to an agreed offer that was to be paid in order to close the negative account with " national credit adjusters , LLC ( original lender XXXX XXXX  ''. I made two payments, one on XX/XX/XXXX and the other on XX/XX/XXXX, rendering the account paid in full. However, when my credit report became available, XXXX reported that I still owed a balance, thus affecting my credit negatively. I have the reference number with halsted financial services which is XXXX
Product: Checking or savings account

I filed a complaint case number XXXX back on XXXX. The company XXXX responded with nothing but lies. Stating they don't have records of me calling 3 months in a row requesting a replacement debit card. I would like for all the voice recordings to be pulled regarding my account and that will prove exactly how many times a representative claimed they ordered a new card!! It will also show how many times I've asked to speak to a XXXX or supervisor and how long I was placed on hold and then disconnected. It will also prove how many times I've asked for the corporate phone number and they claimed they don't have it! It will also show how many times they just sat there and laughed. See the other complaint for all the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.