23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the agency regarding a medical bill but I was advised at the time I did not have a bill and now years later I noticed I have a collection on my account. According to Fair Credit Reporting Act Congressional findings and statement of purpose [ 15 USC 1681 ] section XXXX accuracy and fairness credit reporting and violations can detrimentally affect my credit score and privacy. Unauthorized pulls of my credit report, constituting privacy violations, disregarding FCRA mandates for reporting accurate credit information by furnishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle through Credit Acceptance on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX XXXXXXXX  XXXX and Credit Acceptance was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from Credit Acceptance. XXXX 'XXXX   Garage went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to Credit Acceptance. Credit Acceptance did not respond and XXXX XXXX XXXX was granted the salvage title. Credit Acceptance removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. Credit Acceptance failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX XXXX. The loan needs to be removed from my credit and closed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes. These failures alight with my experience, where Experian has neither corrected nor removed items, despite the evidence I provided, causing on-going harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
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. 

The following has has violated my rights : Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : USDA RURAL DEVELOPMENT Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

I fell about XXXX payments behind in earlier XXXX. I was offered a loan repayment option to catch up over the next 4 months leading up to XX/XX/XXXX. In XX/XX/XXXX upon making a payment, the option online was not available, which lead me to call the mortgage company. They explained that I was to return some document that I never received and then provided me a loss mitigation application packet, in which was not received until 2 months later. Once received, the mortgage company began to ask for additional documents that were not part of the requested documents. Additional documents were sent once they were available ( taxes for XXXX & XXXX ), but then the mortgage company requested to resend the loss mitigation packet, additional documents ( such as pay stubs, bank statements ) claiming they were expired and/or outside of their timeline to complete the application. Again, this has been going on since XX/XX/XXXX and here it is XX/XX/XXXX and they are still asking for me to resend documents that they already have. I have been patient, but I am beyond aggravated with the process and the mortgage company! As a XXXX, I can only imagine how many other people, ( Veterans and/or Civilians ) that this company is taking advantage of. This has seriously affected me and my wife 's credit score ( no payment has been made in over 12 months due to lack of this company 's standard process. Please help me! This company should not be servicing our XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off DISCOVER I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause
Product: Credit reporting, credit repair services, or other personal consumer reports

Score has dropped from XXXX to XXXX points with no explanation whatsoever. Experian regularly shows my score some XXXX points lower than other bureaus. They are showing XXXX and XXXX  XXXX XXXX XXXX XXXX as charge offs rather than resolved by bankruptcy. This is illegal. I am accusing them of fraudulently handling my account. They have done this before. I need a full explanation of why my score dropped from XXXX to XXXX and they need to remove the three charge-off items. This needs to happen as soon as possible. As well, I do not want my bank account linked to my credit report and do not want to participate in the XXXX  program.
Product: Debt collection

I have disputed this debt with the original company, the collection agency and credit bureaus. I submitted a stop service at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 to be backdated to XX/XX/2017, when I moved from this address. My final bill was for {$110.00} on XX/XX/2017. 
I have reached out to LJ Ross to ask for proof of debt, as they are reporting to the credit agency {$310.00}. At the time, I could not remember if I had submitted a stop service, but once I did find the verification, I submitted to the collection agency of the proof that I did not live at that address after XX/XX/2017. 
They have not provided the proof of debt after phone calls and written letters. They continue to submit negative remarks to the credit bureau.
Product: Vehicle loan or lease

I am being denied the right to extend credit due to Capital One Auto Finance reporting late payments and a repossession for an account that I opened with XXXX XXXX XXXX. I had no dealings with Capital One Auto Finance, and we never signed any contracts. I am alleging that the XXXXXXXX XXXX XXXX  and Capital One Auto Finance worked together to deprive me of my rights concerning the RETAIL INSTALLMENT SALES CONTRACT. I never spoke with anyone from Capital One Auto Finance at the time of signing any documents meaning there wasn't a meeting of the minds with any of Capital One Auto Finance Agents, which could only mean Capital One Auto Finance and XXXX XXXX XXXX aided and abetted to deprive me of my rights. Capital One Auto Finance I allege that you were just either a servicer or a third-party debt collector and you violated my rights by not properly disclosing who you were and that you were absent for the meeting of the minds at the time of signing the contract. 

According to the CFPB a RETAIL INSTALLMENT SALES CONTRACT is not a loan. 
A loan is a transaction between you and a bank or other lender for money, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest. A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest. A dealer could sell the retail installment sales contract to a lender or other party.
Product: Debt collection

On XX/XX/2019 I received correspondence from Harris and Zide regarding an alleged debt. This is an unsubstantiated, alleged debt with XXXX XXXX XXXX, who has now sold/handed over my alleged debt to Harris and Zide without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A previous complaint was filed with CFPB against XXXX XXXX XXXX ( XXXX )
Product: Checking or savings account

I overdrew my account due to errors related to my XXXX XXXX transactions for {$100.00} and {$230.00} on XX/XX/2019 resulting in two overdraft fees of {$34.00} each, one stop-payment fee of {$30.00}, and additionally, two returned payment fees of {$34.00} each on XXXX  bill of {$5.00} and my electric bill of {$120.00}. I called many times to get those fees reversed. They only waived {$12.00} out of the total of {$170.00} in overdraft and other fees charged to my checking account.
Product: Credit card or prepaid card

On XXXX I received a text from synchrony/old navy about fraud on my account. The problem that I have with synchrony / old navy is they are reporting the fraud as a debt and this will bring down my credit score if not corrected
Product: Money transfer, virtual currency, or money service

The VIP service used at the local casinos in Michigan have all put Global Payment XXXX on my credit file. The reason being some kind of remittance and the company is a third party. The checking account on file with the company is international and domestic. The casinos have not accompanied my withdrawals since, I've provided them with my checking account information. Further the out come is that I'm no longer VIP and the remittance is not established. The key point is my winnings have been affected tremendously by this action that was taken without notice.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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: Mortgage

I have a conventional mortgage through Bank of America. My lender escrows my tax payments. 

During XXXX I applied for and received a property assessment reduction. The board of assessment appeals notified me of the decision XX/XX/XXXX. The assessment reduction became effective XX/XX/XXXX for County and will be effective XXXXfor School taxes. 

I also applied for and received a homestead exemption. 

The tax savings, based on my municipal millage, should total approximately {$900.00} annualized, and should result in a monthly reduction in my escrow payment. 

I contacted Bank of America first XX/XX/XXXX to inform them of my updated tax situation. They requested documentation. 

I mailed documentation to : Bank of America Tax Department, XXXX. XXXX XXXX, XXXX, TX XXXX After months of patiently waiting I realized that they were not going to respond to the paperwork I sent. 

I called Bank of America and requested to speak with a representative. Their representative suggested that I should fax the information to them. 

On XX/XX/XXXX I faxed the information ( all documents from the county ) along with my account information to the number given to me, and confirmed the fax was received on Bank of America 's end. 

Three weeks later there is still no record that Bank of America has received or processed any of the attempts I have made to get them to update my monthly payment. 

On XX/XX/XXXX I informed them of my frustration and let them know that they had the opportunity to resolve the situation before I filed a complaint with the CFPB out of pure necessity. 

Having already paid my reduced County Tax bill for the year, from my escrow account, Bank of America responded by letting me know there was a reduction in my County Tax bill that they could prorate moving forward, reducing my monthly payment by {$9.00}. 

Any reasonable, competent, financial institution should question why a tax bill they were paying was reduced, instead of blindly and reactionarily acting to reduce my payments and issue me refunds from my escrow after the fact. If Bank of America were acting competently, their questioning of why the payment was reduced may have led them to one of my MANY correspondences, which would inform them my assessment has been reduced. 

To date I have not received confirmation from them that they have received my fax or my mailed hardcopies. I am baffled by their misguided attempt to reduce my annualized escrow payments to retroactively take into account only a single tax bill they already know was reduced ( having been prepared to overpay it ). I assume that their continued inaction is either a deliberate oversight designed to allow them to hold low interest ( or interest free for all I know ) customer funds for as long as possible, or the result of supreme incompetence coupled with poor customer service. 

I would really, really, really like Bank of America to please communicate directly that they understand my problem, and that they are working to resolve it. Even more than that, i'd love for them to ACTUALLY resolve it.
Product: Checking or savings account

B of A refuses to redeem my XXXX  ( with their ridiculously low interest rates ) unless ( XXXX ) I have an open B of A checking or savings account or ( XXXX ) I go physically into a B of A branch. I don't have any B of A accounts other than the XXXX. 

This appears to be a calculated effort to make it far easier for a customer to do nothing than get a XXXX closed. Since B of A is paying a rate of XXXX percent ( XXXX XXXX  of what many other banks now offer ), the economic incentive to engage in unfair business practices is substantial. 

It is worth noting that the renewal letter tell customers to call a B of A number ( XXXX ) in order to " request any changes to your account. '' Customers have XXXX days from the renewal date ( " grace period '' ) to make changes. ( Also notable is that my online account offers no options as far as XXXX  redemption. In order to see my XXXX  on-line, I need to log in first. So there's already security built into the encounter. ) Upon calling the specified number, the customer encounters a voicemail " tree '' that offers various selections -- none of which incudes any clear route to getting the XXXX proceeds. Saying " representative '' and " operator '' eventually results in reaching a representative -- after a long period on hold. 

After all that work, I learned that B of A refuses to give me my money unless I jump through more hoops. It's not easy for me to move around these days, and having to go somewhere in person is a burden. I say this is outrageous.
Product: Credit reporting

A fraudulent credit inquiry was made on XXXX by an individual through XXXX. I contacted XXXX XXXX to report the unauthorized use. I received confirmation that it was in fact fraudulent though it remains on my Equifax report.