23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX XXXX, XXXX Westlake Financial Services XXXX XXXX XXXX received a notarized letter of recission & notarized Affidavit of truth from me. This letter allowed me to exercise my right to rescind on my contract, pursuant to 15 USC 1635. Its states that there is a 3 day period to rescind on a contract, unless this is not disclosed at time of purchase, then the consumer has 3 years to rescind. This was NOT disclosed at the time of purchase for my vehicle. I recently found out that this put my dealership and financing agency in direct violation of Federal Law. Which is why I sent the recission via Certified Mail. After checking with both companies to ensure that both had properly received the letter, I allowed both parties their 20 days to respond, as state in 15 USC 1635 ( b ). I have not received response from either parties. I emailed XXXX XXXX ; Chief Compliance Officer at Westlake, on XXXX XXXX, XXXX. This email was to make him aware that I was being harassed in regards to my XXXX XXXX XXXX. Which was a direct violation of 15 USC 1692 ( e ), 15 USC 1692 ( f ), 15 USC 1692 ( g ), 15 USC 1692 ( h ). A few hours after this I was contacted on behalf on Westlake by XXXX. I was then told if I did not stop trying to exercise my right to rescind there would be adverse action taken against myself, my account with Westlake, and my vehicle. I tried to explain to XXXX how the laws applied in my situation. I was unable to do so, instead I was abruptly interrupted. XXXX XXXX again warns that if I do not stop trying to exercise this right that adverse action will be taken against me, and proceed to disconnect the call. I am making this complaint because I am not going to stop. I am legally within my right to exercise my right to rescind. I am also legally within my right to start a class action lawsuit against both parties for failure to respond, pursuant to 15 USC 1640. I would like to bring aware
Product: Checking or savings account

Cadence Bank have on multiple occasions blocked my card, or stopped my autopays which has caused me significant issues and financial loss. This is on my checking account and also my business account, 1. Business account - every month my XXXX ads payments are blocked and I have to call up each time to get them to reset my account. They can not tell me why they are doing this. I complained and I was told someone was going to call me back and they never have. 
2. My checking account - cadence bank have stopped my auto pay for XXXX  and therefore i am having issues with my Internet provider. This is unacceptable and after calling them they will not give me a reason why they are freezing my account and stopping me from spending my money. I was told a supervisor would call me back and they never did. I called again and after I spoke to a supervisor they were very dismissive of my complaint, did not seem to care at all and would not reimburse me for the time spent on this matter and the late fees I am now being charged. 
3 - My checking account - they block a payment to XXXX XXXX  and therefore I lost out on over {$200.00} worth of service with XXXX XXXX. 

Cadence bank are incredibly awful with their customer service since merging with another bank last year and I am considering leaving them to another bank. Each time I have called I spoke to the same employee first on the phone regarding issue 1 and 2. They were surprised to hear from me again as it should have been handled already. 
The last phone call I had, I was incredibly disappointed and dissatisfied with the way the call handler was with me. I told her how awful I felt towards the bank and what disgusting behaviour and customer service I was being given by the bank. In the end she cut me off the phone after I asked her to escalate the complaint to which she told me she could not. Earlier in the call she said she could. How can a bank simply stop a payment and not give me a reason. This is unacceptable banking practice and this bank should be looked into by regulators as I can see from other reviews online that people are also having severe issues.
Product: Debt collection

I have new and updated information about NCS ( National Credit Systems ), they have failed plenty of times to provide me with a signed lease agreement from the alleged original creditor. Which is a violation of my rights as a consumer. They have continued to send the same documents that's not signed by me or anyone that works for XXXX XXXX XXXX. And I have asked for any documentation with my name on it to validate this alleged debt and they haven't sent any documents to prove I signed any lease aggrement or form saying I am liable for this debt. NCS have proven time and time again that they don't have anything with my signature on it, just these very false and misleading documents that they keep uploading which or a violation of the FDCPA as well. Im asking you CFPB to do your job and protect me as a consumer and demand these people to stop holding me and my consumer report hostage and delete all negative reporting from all CRA 's. This has hindered me for years and my children or suffering from NCS violations of the FDCPA. AND PLEASE THIS SHOULD BE HANDLED IN LESS THAN 30 DAYS NOT 60 DAYS!
Product: Checking or savings account

I used to have a checking account with bank of America ending in XXXX. This was closed on XX/XX/XXXX by bank of america. Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX  / XXXX / XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and card payments in the total amount of XXXX USD. This is the amount I lost through Bank of America checking account. I do have fraudulent transactions on my another account held in XXXX bank. This bank resolved all of them positively and timely. But bank of america call centers, their internal systems, responses are very delayed. They denied my claims multiple times without mentioning proper reason and failing to communicate about what paperwork they needed to resolve the claims. As the delay is prolonging to resolve all these claims, my debt collectors are after me. My credit cards debt is accruing unnecessary interests. My credit report is spoiled. My retirement accounts are deprived with the money went out through Bank of America checking account.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another 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 items 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. 
XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXX/XX/year>
Product: Mortgage

On or around XX/XX/XXXX I received an email stating that I would get a FREE APPRAISAL, NO DEPOSIT AND A {$500.00} REBATE once I closed the loan. At the closing I noticed that I was charged {$400.00} for an appraisal but I closed anyway knowing of the letter that implied a rebate of {$500.00} and a rebate of {$400.00} for the free appraisal. When contacting the company they said that they were not going to refund me the {$400.00} but would send me a check for {$500.00}, which they did. 

The appraiser requested the house be painted. So I sent an estimate in of {$1900.00}. 
They held as a " hold back '' at closing {$3000.00} to be released once the house was painted and approved by an appraiser. This was done and a request for the funds to be released was denied and only {$1900.00} was released. No reason was given except this was their policy. However, I have a letter stating that ALL funds will be released once the painting is completed.
Product: Checking or savings account

On XX/XX/XXXX of XXXX a charge of {$1000.00} and {$250.00} was charge to my checking account ending XXXX to XXXX XXXX and on XX/XX/XXXX for another amount {$1000.00}. I were to have my XXXX at this resort of XX/XX/XXXX. Myself and my guest have attempted to reach out to the company for payment links so that my guest can make payments toward the room blocks i had already blocked. I have emails going back and forth with the company on all issues.There was times we were not able to reach anyone and was told someone will reach out to us. Time went on and never received a call back always had to reach out. There was a point when their answer machine stated they were close to further notice. I sent emails back and forth and gave them another chance to make things right. Moving forward i was getting the same results. I started researching the company and read so many bad reviews on site. I realized i was experience the same issues that other guest was talking about. I decided to cancel or have my deposit put to a future stay but not trusting them with making my XXXX XXXX XXXX XXXX ) a success. Spoke with company and they refused to give me future credit or refund my funds. Never was told my room blocks was non refundable. This company haven't provided me any services due to my XXXX was in the future ( XXXX of XXXX ).
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Ref : Remove/ Delete Incorrect Information Ditech Mortgage Please be advised : This account was included in Chapter XXXX Bankruptcy, However there discrepancies with payment history. 
My Loan was originally with XXXX XXXX in XX/XX/XXXX I was in a positive account standing with XXXX XXXX  and In the middle of a Loan Modification with XXXX XXXX. 
During my loan modification XXXX XXXX sold my Loan to XXXX XXXX XXXX   without my knowledge. 
Once I found out my loan was transferred to XXXX XXXX XXXX, XXXX XXXX XXXX stated I had to complete the modification all over again. 
Resulting in Green Tree reporting negative payment history for the months of XX/XX/XXXX and XX/XX/XXXX. 
However I am a victim that has been harmed by XXXX XXXX XXXX unlawful practices. 
Please be advised : XXXX XXXX XXXX has been sued by ( The Consumer Financial Protection Bureau ) due to breaking the law on mishandling and failing to honor in-process Loan Modifications. 
This Loan was transferred from XXXX XXXX XXXX to Ditech Mortgage with incorrect information negatively reporting in my payment history. 
I am a harmed consumer and requesting that this negative reporting be deleted/ removed ( XX/XX/XXXX and XX/XX/XXXX ). From all 3 major credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by TransUnion. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX High Balance : {$1300.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Reports a 30-day late payment for XX/XX/XXXX, which is inaccurate. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX payment in the amount of {$1000.00} for XX/XX/XXXX is incorrectly showing 30 days late on my credit report. It was not late. 

If you look at the attached XXXX response letter ( dated XX/XX/XXXX ) to the Complaint, you will see that XXXX did not deny that XX/XX/XXXX is incorrectly showing 30 days late, but said I should take up the issue with Experian. To me, thats the same as saying its Experians fault ( the error is on the credit bureaus end ) that caused the XX/XX/XXXX payment to incorrectly show 30 days late. 

Therefore, since the XX/XX/XXXX payment was paid on time, and is incorrectly showing 30 days late on the Experian credit report, I am requesting that Experian correct the credit report by removing this 30-day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXX XXXX My current correct address is XXXX XXXX XXXX, XXXX, XXXX XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit card

I am writing in reference to XXXX # XXXX, where I dispute the decision made by Capital One. I accidentally made the reservation on the wrong day and never occupied that room at the referenced hotel. It is not fair for me to pay {$620.00} for a room that I never used, and I am sure that the hotel rented it to another guest. I appreciate your consideration of my situation, and I hope we can come to a favorable resolution for a long-time Capital One customer. 

XXXX XXXX capital one credit card number XXXX XXXX XXXX XXXX
Product: Credit reporting 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  Account Number:XXXX  Account Name : XXXX XXXX XXXXY Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a 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

I have reported several issues with my credit file and Experian refuses to correct. They also prevented me from performing an online dispute ; 1 ) XXXX status date should be XX/XX/XXXX and not XX/XX/XXXX since the vehicle was sold in XX/XX/XXXX 2 ) XXXX XXXX - missing on time payments that were reported from XX/XX/XXXX to XX/XX/XXXX. 
3 ) XXXX XXXX - lease paid in full prior to filing - status date XX/XX/XXXX and not XX/XX/XXXX this would re-age my account drop off date. 
4 ) XXXX XXXX - account was closed charge off ( noted on report ) XXXX prior to Chapter XXXX filing. Status date should show XX/XX/XXXX and not XX/XX/XXXX. Having the status date of XX/XX/XXXX would reage the drop-off date of the account. The comments should indicate date of discharge not status date which they are using to calculate my time since late for financial institutions in credit scoring. Time since late = 16 months - which is not correct for all accounts they have listed ( XXXX ). This is negatively my ability to rebuild my credit and obtain credit after filing. It is also affecting my interest rates. Experian has also blocked my ability to dipute these issues online.
Product: Credit card

I had a charge on my " Home Depot '' credit card for {$21.00}. which was due XX/XX/23. I called them on XX/XX/23 to make the past due payment and asked them if they would waive the late fee, which they did. I got a new bill from Home Depot in XXXX for an amount of : {$21.00} ( Previous payment made on XX/XX/23 ) {$23.00} ( Fees charged ) New balance due XX/XX/23 of {$45.00} ( XXXX ) Past due amount {$21.00} ( already paid on XX/XX/23 ) I called them up and had to talk to 2-different Reps. and 3rd one to the Dispute Dept., and they finally agreed to take out all charges. So, now they made it to a XXXX charge amount. So now its resolved.
Product: Credit card or prepaid card

Comenity bank system is offline, call centers are closed and I can not login. I was attempting to submit a payment. Now I have a late pay on my credit because my autopay didnt go through
Product: Checking or savings account

Chase Bank closed my new checking and saving accounts without providing a reason or notice. Case # XXXX. 

In Chase 's response, Chase Bank stated that they will not reopen my accounts or open any new accounts for me in the future. Chase Bank also told me the same over the phone without providing a reason although I have asked. 

Please investigate and confirm if Chase Bank will be able to reopen my accounts or open any new accounts for me. If not, Chase Bank must provide a reason. The Deposit Account Agreement that Chase Bank referenced to is on their website. However, it does not include any language regarding this.
Product: Debt collection

Good Afternoon to whom it may concern. My name is XXXX XXXX. I am reaching out because I Have a eviction Debt on my credit from XXXX. I got kicked out the house in XXXX from the house I was living at with my daughters and there mother. i tried contacting company and they lowered it to {$3300.00} and they said they can only make a 3 payment plan of {$1100.00} and I told them I couldn't because I was ok fiancially. I been trying my best working fulltime and taking care of my 3 daughters and trying to be a responsible father and at this point I been stuck in a small eficiency since XXXX and it is very uncomfortable for me and the girls whenever they stay with me on weekends and because the eviction I cant get and apartment for me and my girls. I'm just asking for some help with this issue. I am a responsible person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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