23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXX XXXX  XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

I continue to receive calls from a company identifying themselves as SRG. They have advised me it is for a debit for credit card to XXXX XXXX. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate correction of the items in question.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to Equifax and XXXX to have the inquiries removed. It has been nearly XXXX months and they are still on my report. Equifax and XXXX both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with Equifax today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-signer on the loan. This car was for my niece. She had an accident and did not want the car and stopped making the payments. I had no idea any of this happened until the company started calling me. My sister contacted the company and told them to come get the car. They did not go get it. My stepfather took the car back to the dealer and they would not take it. The dealer is now out of business and the car has been in the same spot since. 
It has been almost 4 years and this is still on my credit report and is the ONLY thing blocking me from buying a house.
Product: Checking or savings account

Hello, I was supposed to receive a {$220.00} bonus for opening an account at Chase Bank. I have maintained the minimum balance and completed an ACH transfer to my account. I called customer service in the last week of XXXX, and they said to wait. It has been two weeks since the bonus was supposed to come in.
Product: Bank account or service

WE HAVE TRIED TO JOIN SEVERAL MILITARY ADVERTISED BANKS AND CREDIT UNIONS AND THEY HAVE MEMBERSHIP REQUIREMENTS THAT ARE NARROW AND DO NOT PERTAIN TO SIMPLE VETERANS SUCH AS MY HUSBAND WHO FOUGHT IN THE XXXX WAR. THIS IS DISCRIMINATION TO THE VETERANS OF THIS COUNTRY THAT THESE ADVERTISED MILITARY BANKS DO NOT LET VETERANS APPLY FOR A SIMPLE CHECKING ACCOUNT. I NEVER THOUGHT I WOULD SEE THAT THE UNITED STATES DISCRIMINATES AGAINST OUR VETERANS AND IS ALLOWING MILITARY ADVERTISED BANKS AND CREDIT UNIONS DISCRIMINATING AGAINST OUR VETERANS WHEN ADVERTISING THAT VETERANS CAN IT FACT JOIN. I CAN NOT BELIEVE THAT OUR VETS ARE BEING TREATED THIS WAY AND I WOULD APPRECIATE YOU CHECKING INTO ALL THESE INSTITUTIONS AND ASKING THEM WHY THEIR MEMBERSHIPS ARE SO RESTRICTIVE. IF THIS IS OK WITH THE FEDERAL GOVERNMENT WHEN THESE ENTITIES ARE IN FACT FEDERAL MILITARY BANKING SYSTEMS AND THEY ARE DISCRIMINATING AGAINST OUR VETS.
Product: Payday loan, title loan, or personal loan

America First added all my accounts together saying that it was in the loan agreement that I signed which I was not given a copy, I was not given a chance to read the agreement and I'm XXXX which they knew because I received my XXXX check in my account with them so I believe I was discriminated against and taken advantage of because I'm XXXX. Plus how can they do that when it was a collateral loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX  XXXX  with Equifax and they replied saying the account was verified. Who did Equifax verify with? because I have messages from XXXX XXXX XXXX  through the XXXX  AND CFPB stating that the account is closed in their office. Equifax is not furnish 100 % accurate information and its making me upset that they continue to break the law! ATTACHED ARE SUPPORTING DOCUMENTS.
Product: Checking or savings account

My name is XXXX XXXX and I am a XXXX veteran. About three weeks ago I went into the hospital for treatment for a XXXX I have called XXXX XXXX. My finances have been messed up since I missed a benefits pay but I have existed. Most recently I forgot ( due to my hospital entry ) to cancel auto payments on a credit card and my bank account causing my account to become overdrawn. Since then I have scrambled to come up with funds to cover the OD   and I have been charged over {$300.00} in fees by citizens. I contacted them asked to have the fees waived. I exist on about 1000 a month or XXXX a week. These fees have me in such a bad situation my health is being affected because I cant afford a XXXX XXXX. I have borrowed and begged but I need assistance from the bank at this point. I am once person one drop in the bucket and your bank doesnt need my blood. Please I am asking you to not penalize a sick man. All of the fees you have charged me is putting me at further risk and even though I am young, I am XXXX XXXX bound, am unable to XXXX and relied on my nurse for most of my purchasing. While I understand you need to make a buck off the backs of those who use your services, this XXXX XXXX   doesnt have any more space on his. 

All of these fees came about because I didnt get a transfer because I was in the hospital and sick and forgot to transfer the money to cover my auto payments but I stand by the fact if the account was over drawn Citizens shouldnt have sent THEIR auto payments. They arent responsible for the auto payments I had with XXXX and XXXX XXXX but my account was OD by {$900.00}. And look how many were fees??? How is this not predatory! And my account is STILL Overdrawn!! 

I am asking that you help me recover these funds. 
Sustained OD on XX/XX/XXXX {$30.00} Returned item fee XX/XX/XXXX {$35.00} Sustained OD on XX/XX/XXXX {$30.00} Sustained OD on XX/XX/XXXX {$30.00} Overdraft fee on XXXX {$140.00} ( Citizen bill payments were sent on an OD account while I was hospitalized ) Overdraft fee XXXX {$35.00} Overdraft fee XXXX {$35.00}
Product: Debt collection

Sometime in XX/XX/XXXX or XX/XX/XXXX I rented an apartment for my Uncle XXXX. After 2 months the apartment was broken into through the sliding glass doors. After only another 30 days XXXX 3 months into the rental agreement XXXX the apartment was broken into again and this time the XXXX busted in through the front door. After speaking with the police and the property manager, the property manager agreed to release me from the lease without any penalty and I signed a paper stating this fact and went about my business. I recently discovered an account for over {$4000.00} on my credit report for this. After contacting XXXX about this directly they told me that I had not paid the bill due to my having child support issues. Well, I have no children and no child support, so I am not sure if they have the wrong person or what is going on with this account. However, I know that I do not owe a bill to XXXX or any collection agency collecting on behalf of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this debt. I monitor my credit with experian and in XXXX of 2023 or so I received notification that this account was posted to my experian and transunion report. The supposed amount owed is {$1500.00} withe XXXX XXXX XXXXXXXX. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect spelling of name on the account. 
Tried to call an fix it but the automated system is not designed to actually resolve such issues and hangs up all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report from XXXX  and Transunion and notice false and inaccurate information that they documented on my file they maintain under my Social Security Number. It states that the XXXX XXXX XXXX XXXX Wisconsin reported to them and/or are the furnisher of a bankruptcy on on my credit file. On XX/XX/XXXX I sent a letter to the XXXX COURTS OF XXXX XXXX XXXX XXXX  requesting their procedures of verifying records with the credit reporting agencies. On XX/XX/XXXX I received a letter back from the courts stating that they DOES NOT report any information to ANY credit reporting agencies. On multiple occasions I have sent certified letter to all 3 credit bureaus asking them to provide me documentation from this court validating this information, while at the same time reminding them that you CAN NOT document false and/or inaccurate information on my credit file that they maintain under my Social Security Number. On XX/XX/XXXX I sent another certified letter asking again to validate it, while reminding them of the same. On XX/XX/XXXX received a letter yet again as verified as accurate. This completely false and inaccurate.
Product: Vehicle loan or lease

On XX/XX/2019 i spoke with my auto loan company ( Exeter Finance ) to request that i start receving detailed statement to show how my monthly payments are applied I.E total payment to interest to principal. they stated that they dont offer that type of statement .when i stated that it was a violation of u.s federal law and the banking regulatory act and that i needed to be provided a detailed bill every month. they stated that they will have to look into that and i would have to call every month if i needed something more. which is an inconvenience for me since i am in XXXX and have limited access to internet and phone.
Product: Credit card or prepaid card

I was trying to do a product change on my credit card because I dont want pay the {$99.00} annual fee and I was told that I need to update my phone number with XXXX  in order to do the product change which I did 3 weeks ago but its still showing the old phone number on Citi banks end and Citibank keeps telling me that I need to contact XXXX  which I did and I updated my phone to XXXX on my fraud alert several times and Citibank keeps telling me that my old number is still showing on Citibank end and second is that my credit line increased was declined several times due to a fraudulent account was reported that was charged off but I had that account removed a month ago which it was XX/XX/2020 and I dont have any charge off accounts reporting to XXXX  at all .... I fax in the credit report to Citi and I havent heard from them
Product: Credit card or prepaid card

I applied for a secured credit card with discover card.com. I was approved with deposit of {$200.00} the amount had to be paid prior to the application being fully approved. The {$200.00} was deducted from my account via XXXX and I was told my application was approved via email and my card was on its way. I received my car within a week and activate it with no issue I was advised I should be able to use my card. The following day in attempting to use the card it would not work. After calling discover customer service I was advised that they would need to receive copies of 2 years tax return directly from the IRS resulting in me needing to fill out a 4056-t IRS form XXXX I was advised that after paying my {$200.00} I would be able to use the card but this was a lie. The email that I received requesting that I fill out the 4056 did not have a discover logo or come from a discover email address so I ignored the email as it seemed fraudulent. I am blocked from using the card and if I refuse to give them the information my account will be revoked. Even in giving them the information it does not mean that my account will be able to continue. It was not advised that this was part of the application process and why send me the card if I was not approved. This is very invasive and fraudulent it seems on the part of discover they should not have customers.Asking for a refund of my newly submitted deposit should not take two billing Cycles when I have never had access to the card
Product: Mortgage

Please read my correspondence to NJ Lenders. I did not request public information I requested proof of payment from NJ Lenders to XXXX XXXX XXXX XXXX ( XXXX  ) satisfying the original purchase mortgage when I refinanced in XXXX. I am being charged astronomical costs that do Not start at the point of refinancing. I have repeatedly requested proof that the original purchase XXXX XXXX XXXX XXXX  mortgage and the amount paid. I have received absolutely nothing at all not even a trace back to XXXX. Does NJ Lenders expect a client to pay a grossly inflated amount and produce absolutely no backup information and dictate an amount owed. Please look at the attachment and examine the facts. 

NJ Lenders has recorded many public records. NJ Lenders has failed to record transaction records such as the lien release of my original purchase XXXX XXXX XXXX XXXX ( XXXX ) mortgage along with the satisfaction and discharge of my original purchase XXXX XXXX XXXX XXXX mortgage that clarifies the amount paid to XXXX finalizing the pay-off. Your response merely references the recording and perhaps the filing of public records that does not mean a XXXX was paid to XXXX XXXX XXXX XXXX  and I can end up paying astronomical inflated costs without any paper back up. I have requested the same information and NJ Lenders continues to send me non transactional records. Please take a look at the attachment. It appears that NJ Lenders did not pay off my mortgage. The XXXX property records show the bank XXXX XXXX and XXXX while the records NJ Lenders has filed claim XXXX XXXX is the bank, where is the XXXX XXXX XXXX  codes? Take a look at the XXXX mortgage interest statement XXXX XXXX XXXX XXXX lists the LOAN SETUP as if the XXXX XXXX XXXX XXXX Mortgage was not paid and NJ Lenders just simply slapped a property lien on my property. I have the cancelled checks paid to XXXX XXXX XXXX XXXX with the account number XXXX written on the checks that include the hazard insurance I paid and it has not been deducted from the pay-off statement. I have the cancelled checks and they will not even deduct the monies paid. So far NJ Lenders has not produced a trace to XXXX XXXX XXXX XXXX  and still claim to have paid off the mortgage. Your response evades producing the lien release that you claim was paid to XXXX. The mortgage was not satisfied and there is no record of any discharge at all. This is very disreputable to say the least. I have asked for the same records and get the same story as if NJ Lenders never paid off anything and simply slapped a lien on my property. XXXX XXXX XXXX XXXX  has not produced any record of the mortgage NJ Lenders has claimed to pay off.

Its clear that NJ Lenders is not able to produce anything at all. PLEASE dont keep send me things that I have not requested. I would like to start a criminal investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my XXXX after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not.

I need help resolving this so I can get my fico score back up. 

Company XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit card or prepaid card

I had a store credit card with XXXX issued by Comenity Bank last year that I attempted to pay off and close in XX/XX/XXXX. I called Comenity on XX/XX/XXXX to pay off and close my account and the representative said I needed to pay off the balance of {$200.00} to close my account. I paid that amount over the phone using my debit card and was assured that the account was closed and nothing more was owed. My XXXX  and I also moved that month and didn't begin receiving forwarded mail for over a month. By that time, I hadn't received any mail from XXXX and had assumed that my account was closed and paid off. I received a statement in XX/XX/XXXX from XXXX and much to my surprise found that I owed a balance of {$75.00}. I called Comenity to see why I owed this money and was told that accrued interest of {$2.00} wasn't included in the {$200.00} that I paid on XX/XX/XXXX, and interest and late fees had accrued each month since. I went ahead and paid off the new amount because I just wanted to be done with it and was assured it would not happen again. The very next month, I received ANOTHER statement saying I owed {$2.00}, so I immediately called Comenity Bank who removed the {$2.00} charge and finally left me with a XXXX balance, which is what I intended and was told would happen last year in XXXX. I feel that Comenity was misleading in telling me that the balance would be paid off when accrued interest wasn't included in the payoff amount, and it seems borderline predatory to then charge late fees and additional interest on a {$2.00} balance that never should have existed.
Product: Checking or savings account

Yesterday on XX/XX/2019 at approximately XXXX ( time of receipt ), XXXX from the Capital One Branch bank at XXXX XXXX and XXXX XXXX by XXXX XXXX , issued me a cashier 's check for {$2800.00} that wasn't signed. I deposited it into my XXXX XXXX account at XXXX at the XXXX XXXX XXXX branch , only for me to be notified by XXXX XXXX that Capital One had not signed the check. This caused me overdraft fees and a negative balance. I went to capital one and even called the branch to see how this could be rectified because I have bills to pay and have no cash or funds to pay my bills with, and they told me that they couldn't do anything about it despite it being their mistake. I am now left without any funds and can't pay my bills due to this issue. They also are withholding {$2500.00} of my funds claiming that they are fraudulent XXXX  payments, when in fact, I sent them from my own bank account to myself. They have refused to issue me my full funds so that I can close my account. I took time off from my consulting assignment in XXXX to fly here only to be met with them withholding my funds. I have been calling them since XXXX to close the account and send me my funds, and asked them to do so on three separate occasions ( there are call logs/recordings with proof ), and each time they agreed to do so but didn't hold their end of the bargain. This prompted me to take time off from work to rectify the situation. Please help me resolve this issue so that I can get my funds back from Capital one.