23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt was reported to the credit bureaus by this company and/or their affiliates that is not mine.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/2022 I logged into my account to see that Navy Federal Credit Union has debited my account for the amounts of {$510.00} and {$82.00}. Upon discovery I called customer service to investigate and they proceeded to tell me it was due to a provisional credit that was given to me for my child tax credit due to my account being overdrawn. I informed the representative that I did not receive any such notice and did not sign/agree and/or authorize any provisional credit to my account due to the fact I have multiple direct deposits being deposited in my account. To me this is fraudulent activity on their part and now has placed me in a deeper debt than needed to be and I will not be able to pay my bills as I need to.
Product: Debt collection

Last year a complaint was filed against XXXX, and now the same debt appears on my credit but under a different collection company, " Diversified consultants ''. 

I have no knowledge of this, I have never done business with XXXX ( and never will after this ). 

I have been living at the same address for 28 years with the same phone number for over 12 years, I have never been contacted on this matter. 

The only reason I am aware is because I check XXXX XXXX and I have automatic notification every month.
Product: Mortgage

XXXXXXXX XXXX  Cruel and misleading tactics at signing of contract. 
This ENTITY never put up equal value of Consumer Trade Deal. 
XXXX Profiling. 
XXXX Profiling. 
And VIOLATIONS of My CONSUMER RIGHTS and LAW 'S!!!!!!!!! 

28 3002-10 ( Person ) 15 USC 1650 18 USC Section 241 15 USC 6801 I am The Executive of the Estate of XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I called a credit card company to start a balance transfer in the amount of XXXX and XXXX to pay off my credit card and yet this is my second complaint that Im filling and again Wells Fargo put my payments on hold 11th time since my account is open on XX/XX/2018 .. and Im so tired of this and they putting my checks on hold and they are legit and I provided faxes to Wells Fargo and they kept saying they never received it and I went to the branch and Im getting a message from that banker that I have to wait 4 days for the hold released but I was charged for faxes around XXXX bucks and my time and my money was wasted ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  CREDIT CARD -- XXXX GAS CARD ACCOUNT XXXX ONCE AGAIN XXXX XXXX HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... XXXXIN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response Specifically, regarding the accounts below : XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/19 purchased a washer and dryer from Best Buy using a " promotional period of 18 months ''. They did not explain that the payments I would be making would not be directed toward the promotional balance until after I noticed that none of my payments were being directed to that balance. Apparently, because they raised my limit in order to purchase these items, they made my minimum payment over {$1000.00} and until that payment was reduced none of the payments were credited to the promotional balance. The purchased items totaled almost {$1700.00}. Since the purchase date, XX/XX/2019, I have made {$1300.00} in payments with none of these payments directed toward the promotional balance. I feel these promotional advertisements are VERY misleading. They lure you in with the promise of no interest for 18 months on a purchase without informing you at the time of purchase how that " promotion '' actually works. I have noticed several complaints concerning the same issue over the past few months. I wish I had been diligent enough to do my homework concerning this " advertisement '' before I made the purchase. However, I believe this is an unfair practice on their part by not informing the consumer before the purchase is made how the " promotional balance '' is paid ( or not paid ).
Product: Credit reporting or other personal consumer reports

I received an alert of an account I do not recognize. 
The inquiry : XXXX  on XX/XX/2023 is fraudulent please delete immediately
Product: Credit card

My card XXXX was charged for some unbelievable amount of {$9300.00} for a car rental in XXXX XXXX. I have not been in XXXX XXXX for years, and this was fraudulent charge. Although Chase bank first approved my claim and reversed the payment, later on the changed it back again, stating that my claim was 2-3 days late for some arbitrary period they had set. They suggested me I contact the merchant, which I did several times. But they were extremely rude, and laughed at me. They said they will not do anything for me unless it came from Chase. I have informed Chase about that, but they refused to help me because of this 2-3 day period they did make up. The credit card bill remains unpaid, because this is a Chase issue. But of course it bites me and it needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is closed and paid in full to Collection agency on XX/XX/2022. This account was in fact, fradulently opened, but because I am done with the back and forth, I paid the small balance of {$250.00} in full. I was told by Spring Oak Capital that I would have this debt/collection removed immediately after receiving payment.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I notified Equifax that when I pulled my credit report it was blank. All of my information, demographics, and accounts were missing. I also notified them that because I work for the government of the United States ; it is mandatory for me to keep an Equifax and profile for my job. 

In XXXX XXXX I mailed and submitted copies of my social security card, birth certificate, license, and proof of address to them as proof of my identity and they agreed to repopulate my profile. 

It is not XXXX XXXX XXXX  and I have lost my job because of the inability to supply my Equifax report and scores. 

I am asking Equifax to activate my profile and reflect my score of XXXX as it was reporting in XXXX XXXX
Product: Prepaid card

Rush are stated the system is up and working. I called at XXXX today and was told the system crashed again. Just tried to login and the system is still down. It 's been over XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all inaccurate items currently reporting on my credit report. I need all of these items as well as all accounts associated with this information to be deleted from my credit report immediately. My name is XXXX XXXX XXXX and my only address is XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX
Product: Credit reporting

On XXXX I noticed through my online credit monitoring service that there were credit inquiries on my credit report that I did not apply for. Once I noticed this, I immediately sent Equifax a letter to let them know that these were fraudulent inquiries and that I did not apply for these item AT ALL. I asked them to send me proof of theses applications such as my signature on an application or a recorded conversation. They did absolutely nothing and still are reporting this fraudulent information. Also Equifax has 2 fraudulent addresses that are not my address reporting on my profile. When I called them they said they received the letters and the addresses would be removed in 48 hours. The fraudulent addresses are still reporting and the inquiries are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CAPITALONE 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a mortgage for a second home. I currently have a mortgage through Bank of America. I have made all payments on my current mortgage on time and have NEVER been in forbearance. For some reason the bank has reported my current loan in forbearance which is causing a gap in my husband and I getting the mortgage on the second home. We are currently in jeopardy of losing the contract on the house due to Bank of Americas incorrect reporting. I have called several times to get this issue fixed to no avail.
Product: Checking or savings account

I was driving when I got a notification about a transaction made in my XXXX  account ( XXXX, XXXX XXXX  ) few minutes later I got another notification about another transaction, that happened in XX/XX/XXXX. I pulled over and check my account. I had XXXX new charges from XXXX XXXX  # XXXX AL, XXXX of {$XXXX} and the second one of {$XXXX}. Immediately I blocked the card and I called to XXXX support. The customer service canceled my card and sent me a mail with some instructions. I had to speak with the store where the transactions were made. I tried to find the store but there were a lot with that name, so I called the one with XXXX in the address, they told me they can not help me with that. I submitted the evidence that I contacted the store. The next day I got a response from XXXX  support telling that they werent able to reimburse the money because supposedly the transaction was authorized by PIN. I asked for evidence about that and they never answered me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a VA loan and my mortgage company cant pull my credit score from equifax because it comes back as fraud so I have called them to fix this and they ask me to fax them my drivers license and social security card and I call them hours later to see if they got it and they said itll take 5-7 business days even tho I have faxed it and theres no other faster way to get this resolved and Ive talked to the  supervisor and theyre not doing anything to help
Product: Mortgage

I lost my job back in XXXX. I contacted my mortgage service ( Dovenmuehle Mortgage ) at that time and applied for assistance with the loss mitigation department. I submitted all of the documents they requested multiple times an they still kept saying that I was incomplete. They sold my mortgage in the meantime and now the new mortgage company is saying that I have to start over again. I uploaded the documents, I emailed the documents and the last person I spoke to said that I had done everything that I needed to and they would get back to me. I do not have a job yet and am barely getting by and do not need this added stress. I feel like Dovenmuehle did this on purpose since they knew they were selling the mortgage. You can see by the dates and documents on the screenshot that they were indeed uploaded in their system and that I did everything they asked of me.
Product: Credit reporting or other personal consumer reports

I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info!

1. Equifax reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. XXXX reports it was closed in XX/XX/XXXX 3. XXXX shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, XXXX posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, XXXX and Equifax post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.
Product: Money transfer, virtual currency, or money service

I initiated a XXXX USD funds transfer from my bank account to another bank. The money was sent via USPS, untracked first class. 
The transfer was initiated on XX/XX/2024. The funds were supposed to be available today and as of this time XXXX pm EDT the funds have not transferred yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with XXXX  today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..
Product: Debt collection

Midland Credit Management has engaged in a series of retaliatory and derogatory measures ( Account in Dispute ) status updates with all three credit reporting bureaus in order to avoid regulatory compliance requirements. Moreover, there is no record of this debt on the Midland Credit Management website ; XXXX is the account and {$560.00} is the purported amount. In the spirit of fairness, and irrespective of how I have been treated, I am willing to negotiate a payment for deletion of this record, and the amount I believe is fair is 30 % of the original amount of {$560.00}, given that I am NOT admitting to ownership yet feel this is the only recourse I have to remove it since MCM will not remove it anyway.
Product: Credit card or prepaid card

Once again I am filing a complaint on the way Chase has handled this dispute and siding with the XXXX XXXX which is ridiculous and doesn't make any sense at all and I am not even given a real reason why! Chase has ALL the information previously given and they continue to reference a letter I NEVER received on from XX/XX/XXXX that was already addressed with them! I received the wrong flooring, nothing like what I ordered as shown in the pictures, NOTHING to do with buyer 's remorse, the minute I saw the flooring it we tried to return the NEXT day! I purchased the flooring on XX/XX/XXXX and arrived approx 2 weeks later so that would have been earliest it could have even been seen, XX/XX/XXXX, until a product is seen how do we know it is right or wrong product, which it was wrong even if they say they ordered right number look at pictures it is NOT right! I have yet to hear a realistic response as to why they are siding with the Merchant, all they say 30 day return policy and we were not able to pick up product till they received on XXXX XXXX and when I saw was XX/XX/XXXX clearly within 30 days! Chase has NOT given me any clear reasoning for this so I will continue to fight this because it is WRONG, look at the pictures do they look like the same product!!!
Product: Debt collection

On XX/XX/XXXX a charge for {$390.00} was made on my citibank card at XXXX XXXX. I did not notice the charge until I received my statement, at which time I called citibank and told them that the charge was not mine. I also went to XXXX XXXX and told them of the charge. I do shop at this store. However, if you look at the charges, you can see that I do not spend this kind of money at the store. I buy lunch there, and sometimes dinner. It is a specialty supermarket across the street from where I work. I spoke to the manager and she said that sometimes there is a glitch in the system and that the register does not clear the transaction properly. She said they only keep 7 or 14 days in the store, so she would be unable to investigate the transaction. The credit card company said they would take care of it. However, when I checked my statement on line I noticed that they did not dispute the transaction and I phoned them again. Today I received a letter in the mail stating that I was responsible for the charge ( THAT I DID NOT MAKE ) and that it was going to affect MY CREDIT REPORT. Now, I not only take exception to this I have a definite issue with it. I ALWAYS PAY MY BILLS. ALWAYS. CHECK. I DO NOT PAWN MY RESPONSIBILITIES OFF ON ANYONE ELSE AND I SURELY DO NOT WANT THEM PAWNING THEIR RESPONSIBILITIES OFF ON ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern. 

In late XX/XX/XXXX, I XXXX XXXX parted ways and disconnected services with XXXX XXXX. Closed account number : XXXX. During the cancellation phone call, I requested to pay my final bill and agreed to return all equipment required by XXXX XXXX. The representative processed my final bill payment and confirm my account was now closed and completed. 

Seven months later while working with a credit lender for my business. I was made aware of a debt collections from XXXX XXXX for a past due amount in XX/XX/XXXX. The account was confirm by XXXX XXXX, Executive Escalations, Office of the President - XXXX on XX/XX/XXXX. Confirmation email was sent and states account status as paid in full and credit record would be deleted due to sender ( myself ) not being notified of debt. XXXX XXXX confirmed XXXX XXXX Representative failed to update new mailing address. The deletion and retraction process was confirmed to me by XXXX XXXX, process could take 60 days from the submit date XX/XX/XXXX to process and complete. 

Sixty days later while working with the same credit lender in XX/XX/XXXX, I was made aware of the same debt collection on my Experian Credit Report from XXXX XXXX. I once again contacted XXXX XXXX and they confirm the debt was paid in full. As well as the request was sent to have the collection deleted and retracted from my Experian Credit Report. XXXX XXXX XXXX once again processed the deletion and retraction request to Experian for the second time. 

XX/XX/XXXX while working withe the same credit lender. I was again made aware of the XXXX XXXX XXXX collection was still an active collection on my Experian report. Ten months has now past since I was confirmed by Frontier Communication collection would be deleted and retracted from my Experian Credit Report back on XX/XX/XXXX.
Product: Debt collection

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.

CAINE AND WEINER has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

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

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
please delete this account thank you.
Product: Student loan

Aidvantage has taken inappropriate action on my student loan account without my consent that adversely impacts my repayment status and interest rate reduction status. 

On XX/XX/XXXX Aidvantage incorrectly canceled the auto-pay on 4 of my loans ( XXXX, XXXX, XXXX, and XXXX ). As shown in the attached correspondence, customer service agent XXXX terminated the auto-pay in response to my request for help deleting an old bank account on my profile that was not enrolled in auto-pay. The agent should not have taken this action. For clarity, all of my loans have been enrolled in auto-pay using a different bank account since repayment resumed in XX/XX/XXXX.
Product: Checking or savings account

I have a checking account with the Bank of America on Saturday XXXX/XXXX/XXXX, I received text alert indicating my account was overdrawn, then my XXXX membership fee which is automatic recurring charge was applied XXXX/XXXX/XXXX & I also received a text alert too. On Tuesday morning XXXX/XXXX/XXXX, I received another text alert stating that overdrawn fee of {$35.00} was added & a afternoon text alert came stating insufficient funds to my account. Wednesday morning XXXX I received another text alert stating my Bank of America account is still overdrawn an the negative amount. Thursday XXXX I received another text alert stating ( " Bring your account current before XXXX/XXXX/XXXX to avoid a {$35.00} extended overdrawn balance charge. This is in addition to overdraft fees '' ). Friday XXXX/XXXX/XXXX @ XXXX I went to Bank of America ATM deposited {$100.00} in cash, I received a text alert Saturday morning XXXX/XXXX/XXXX XXXX indicating a positive Available balance for my account & Sunday morning XXXX/XXXX/XXXX & Monday XXXX/XXXX/XXXX the same statement via text alerts. On XXXX/XXXX/XXXX Tuesday morning XXXX, the same text alert positive available balance, then at XXXX on XXXX/XXXX/XXXX text alert came your available balance on your acct has dropped to negative & {$35.00} overdrawn fee was also applied.