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

XXXX XXXX XXXX XXXX is reporting an installment account XXXX on Transunion as a closed account with open date of XXXX high balance of {$750.00} with a date reported of XXXX with XXXX late payments. The same XXXX XXXX XXXX XXXX is reporting an installment account XXXX on XXXX with XXXX XXXX XXXX high balance of {$750.00} with a date reported if XXXX with XXXX late payments for XXXX, XXXX, XX/XX/2018. I am requesting that these account be investigated, so that the negative and stressful impacts done to my credit report be corrected and updated. 

XXXX XXXX XXXX XXXX is also reporting Installment loan with past due balance of {$150.00} high balance of {$730.00} is reporting inconsistent information to Transunion and XXXX such as incorrect open date and XXXX late payments on XXXX but none of Transunion XXXX XXXX XXXX XXXX is also reporting a revolving account XXXX credit limit of {$250.00} with a high balance of {$450.00} is reporting inconsistent information with Transunion and XXXX. Seem to be reporting false and inaccurate late payments. 


To be in compliance with Fair Credit Reporting Act Section 607 - 15 U.S Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also in the FRCA law Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] this company should be held liable for {$1000.00} made payable to me.
Product: Credit card or prepaid card

I have two credit cards with American Express, one is a small business card for a sole proprietorship, the other is for a consumer card. 

I have not used one of the cards in ~2 years. The other has been used 1-3 times for ~ {$300.00} over the last two years. 

Since I last used the consumer card I have been charged two annual fees of ~ {$100.00} each or {$200.00} total. I have made zero transactions over this time period. 

On the small business card, I have made ~ {$300.00} in transactions and been charged {$200.00} in annual fees over that same time period. I have not used that card since the most recent annual fee. 

Approximately, a year ago I attempted to close these accounts after being charged an annual fee. I was told about some steps I needed to take first and was steered away from closing the account. 

Today after recently being charged my 4th annual fee since I stopped using these cards I called customer service to have my card closed. I spent 20 minutes on hold/with an agent only to be told about those {$300.00} in transactions which I needed to verify. ( They appeared to be fraud but turned out to be transactions made by my wife ) I called again this morning and was repeatedly transferred for 20 minutes before being disconnected. 

I called a third time this morning and was rerouted multiple times. I told the IVR I needed to close my account, the IVR verified this and then transferred me to member service. When I told them there I needed to close my account they told me I needed to speak to their cancellation department. Why in the world would the IVR verify I wanted to cancel my card and then connect me to a different department. I spent about 18 minutes on this call before I had a meeting I needed to get to. 

To summarize, 3 calls today, 60 minutes on the phone, and a 4th call about a year ago and so far I have been completely unsuccessful in closing either account. As an outsider it appears that Amex 's business strategy is to charge annual fees and make it impossible to close the account.
Product: Checking or savings account

I opened a 18-month CD with Ally Bank through a representative on the telephone on XXXX XXXX, 2023 when the rate was 4.25 %. Ally Bank has a 10 Day Best Rate Guarantee for all its CDs ( see attachment ). Its CD rates for the 18-month CD increased to 5 % within 10 days and I did not notice an increase for my account. I sent an email inquiry to Ally on XXXX XXXX and received an answer stating that I should be receiving the best rate ( see attachment ). I noticed the rate still did not change on XXXX XXXX and sent another inquiry. Not until then that I was informed that the IRA XXXX does not have the 10 Day Best Rate Guarantee ( see attachment ). This fact is nowhere mentioned on its website nor was it stated to me by the Ally representative when I opened the account. I only learned of this fact AFTER I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collec tion agency Account Resolution Services is reporting information to all the credit reporting agencies (   XXXX   XXXX   XXXX   ) regarding collection accounts that they are not license nor bonded to collect nor report on according to the secretary of state website.. I have contacted the agency and requested that they stop reporting information that they are legally not able to do  so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity was compromised and affect my credit report negatively. These open, collections and chargeoff accounts on my report I do not recognize them. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have had a loan with the company since XXXX of 2021 and have yet to receive a statement, or a bill, or a breakdown of how my payments are being applied. I have never been late or missed a payment but am now receiving emails stating they are attempting to collect a debt and my account is in collections. When I call the company they are not able to locate my account by number but are able to show my payment history. They stated they can not send out statements because they are behind with a system upgrade, but I have never received one. They also stated they would send me my payment history, but I have not seen that either. Their website doesn't show any details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and or XXXX XXXX XXXX XXXX these accounts were properly investigated and came back as verified. However how is that true when there are several inaccuracies on my report? As a consumer I request to know all the steps your agency took to insure items were 100 % accurate under 15 USC 1681 ( 7 ) method of verification description of reinvestigation procedure. 


Account Name : XXXX ( 7 line items ) Account Number : XXXX Company does not have a Surety bond and is not lawfully collecting debts in the State of Texas nor California Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Wet ink Signature provided was not my signature but yet they still try to pursue this debt even though I have provided police report. Company does not hold Surety bond in Texas or California and still reporting this debt on my report. The company has passed the statute of limitation on debts that are not even mine and should not be reporting on my credit report..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired my entire life savings to an account at Wells Fargo. It was supposed to go to my LAW FIRM but the Wells Fargo customer HACKED my email and had the money sent to his account where he proceeded to withdraw it as quickly as possible. 
On XX/XX/XXXX I realized I had been a VICTIM of theft. I contacted Wells Fargo immediately. I even went to a local branch BEGGING someone to help me. 
Instead of helping me, Wells Fargo let their criminal customer walk out the door with {$140000.00} of my hard earned money before they did anything to stop him. Wells Fargo hasnt even been helpful to the police department who has a search warrant. 
Wells Fargo does not care about poor people like me. They only care about rich people and criminals.
Product: Mortgage

" Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX, 2016. I never received any correspondence from lender live. I called " lender live '' multiple times, and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls, " lender live '' found the fax and said that they needed to inspect the property, and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX, I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks, " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no, they do not receive calls or send out calls. 
XXXX stated that she would send another message to " loss and drafts '' to request what was needed, but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. 

I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2023, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. 

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all 3 credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX//2023 at XXXX, PST, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX Experian, stonewalled with an automated system for 30 minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. 

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX XXXX XXXX XXXX XXXX ) and Concord servicing LLC XXXX XXXX ). states I have rights to privacy 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an 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 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

On XX/XX/ I submitted dispute letters to XXXX, Experian, and XXXX for the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three bureaus came back stating that all the accounts were updated and verified. On XX/XX/ I submitted a method of verification letter asking them to provide me with proof that these items were verified and if they were unable to provide that information that I would like the items deleted immediately. All that each bureau sent was an itemized breakdown which is not proof of verification. Reporting these inaccuracies are hindering me from getting employed. Please assist me as soon as possible. Thank you.
Product: Credit card or prepaid card

The date is XX/XX/2018 thr time is XXXX I sit here making a complaint against The American Express Blurbird Card I usually get my Direct Deposit the day or 2 before everybody else I have been waiting patiently for this Direct Deposit only to find out this morning at around XXXX XXXX   that Bluebird is down for scheduled maintenance that was 7 hours ago I tried to call Bluebird and to see how long its going to be down and I keep getting disconnected the phone rings once then disconnects I have not heard of any updates nor have I gotten my Direct deposit that should of been here today I am so beyond upset with Bluebird and will no longer be a customer of theirs please fix this
Product: Debt collection

The account in question was paid in full XX/XX/XXXX. I went to refi my home and the account has be placed as a new account as of XX/XX/XXXX. It shows a balance as recently as XX/XX/XXXX of {$2400.00}. I disputed the information and included documentation showing it was paid and has a {$0.00} balance to the CRA XXXX. The results stated " THE BALANCE OF THIS ITEM HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *BALANCE *PAST DUE *HISTORICAL ACCOUNT INFORMATION *ACCOUNT HISTORY. If you have additional ''. I called XXXX who advised that once I dispute, they notify the company and the company confirms the debt. I called Midland who apologized and assured me it should not be reporting. They had no explanation for why they falsely reported this as accurate with the CRA and assured me I have a {$0.00} despite it still being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX # 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 XXXX XXXX  credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Im XX/XX/2023 I was charged {$97.00} by XXXX through Paypal, which then charges my XXXXXXXX XXXX account as the payment method, since I accidentally forgot to turn off auto renewal. I called XXXX the same day and the cancelled the membership and they refunded the full {$97.00} to the original payment method which was through PayPal. The problem is Paypal never sent the money back to my XXXXXXXX XXXX account. I have opened XXXX cases with Paypal and they have closed both without returning my money back to me. I have also called XXXX to see if maybe it was an error on their side but they have confirmed that PayPal never sent the money back. It has been more than 30 days since this has happened so there has been plenty of time for PayPal to process this transaction.
Product: Credit reporting or other personal consumer reports

This company continues to report inaccuarate information that mislead any creditor to deny me for a loan. They said they verified the information but can never show me the procedure or answers i asked in my letters
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I went to annualcreditreport.com and got my report. Only XXXX provided a report and score. I then contacted XXXX and reached them quickly. They noticed an account that belonged to my deceased father on my account that prevented them from giving me a report. 
They quickly moved to remove that account and it is in process to be fixed. 
On the other hand, any attempts to get a report or contact Experian has been futile. 
Every time I either try to sign up online for a report or start a dispute, I am kicked out of their system/webpage and any attempt to reach a person to help me has gone to dead end menus on their system. I know there is some reason why my Experian score and report can not be obtaned, but there is no way I can get through to them online or by phone. 
Please help as Experian is impossible to reach and there system is not letting me get anywhere. 
Thank you very much for your help, XXXX XXXX Concerned Citizen Consumer.
Product: Student loan

I'm XXXX XXXX XXXX and XXXX college ( XXXX ) in XXXX with student loans. I needed to take out loans to attend XXXX school a few years later and consolidated my XXXX and graduate loans. I have never defaulted on my loans although I did choose to put them in forbearance for awhile due to financial hardship. After years of working, my take home salary is finally at $ XXXX, which isn't even that much, especially for very expensive California. This means my tax rate has increased as well. It doesn't seem like any forgiveness programs apply to me and there's no chance my loans will be forgiven b/c they are held by a private company. I have a daughter with my ex husband and b/c of his financial situation, I pay for all of our daughter 's activities. I currently pay $ XXXX and at this rate, will be paying for another 6 years. 

I meet the qualifications for being a highly qualified teacher but I don't work at a school. I work as a XXXX XXXX in a low income area of northern California. 

I am asking for my loans to be forgiven. I have been paying them off for the past 27 years and still have 6 more years to go. 

Thank you so much for considering. I have paid more than my fair share of my loans and want to move on with my financial life. My loans are preventing this.