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

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2019 I was setting up my online password for my new Citibank credit card and having problems. I called Citibank to get help and it auto tells you your card balance. I got off the phone and had to call back about 15 minutes later. The automated balance info was over {$3000.00} higher over that span of time. 

I alerted them that something had happened within 15 minutes of it happening, which my cell phone records to citibank prove I made 2 phone calls within 15 mins of each other. The total amount was a  balance transfer to a discover card for {$3000.00} and a balance transfer fee of {$90.00}. 

Infuriatingly, they did NOTHING and allowed the transfer to go through and post several days later on XX/XX/XXXX. 

Since then I have called over and over and over and over again, each time being bounced around to 5-10 diffferent operators and then told " security is working on it. '' And to just wait.

At no time was it ever resolved or simply refunded while their security team figured out where THEY screwed up, and each call would be several hours of being on hold and transferred. At one point I thought the odyssey was over when a woman in fraud said she could see what happened and she would resolve it THAT DAY. She did NOT resolve it that day, though I did retain her phone number. 

Instead I was eventually blamed saying I had been mailed paperwork by the company to be filled out and I had never sent it back. ( I never got anything ). I was then emailed paperwork which I sent back. When it was still not resolved I went ahead and sent it back AGAIN without being asked to, but the balance is still shown on my card with no change. 

I have 0 faith this will ever be removed without 3rd party intervention and all the interest I've paid refunded etc. Fighting this from XXXX until XXXX when I never did anything wrong whatsoever! Countless hours on the phone for something I have 0 control over and continuously blown off and ignored.
Product: Credit card

I purchased XXXX blankets from XXXX and used my Paypal credit account to pay for the purchase. When I received the XXXX blankets, the color and style were different from what I ordered. They were also packaged wet and had developed a mold or mildew during shipping. I filed a claim with Paypal, as this should be covered under their protection guarantee. The initial response was that I just needed to return them to get a refund. I was not given a prepaid label, and the shipping back to XXXX is over {$50.00} - almost the same amount that I paid for the blankets. Therefore, returning them for a refund ( if I pay shipping ) is useless. These blankets are not what was advertised AND they are moldy!!! If anybody is going to be out of money, it should be the seller NOT ME! 

I 've attached picture of the blankets I received. They were supposed to look like this : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Product: Credit card or prepaid card

Hi, I was graciously accepted to open up a line of credit with your business. I made sure to always make my monthly payments on time. Unfortunately due to COVID-19, I fell on hard times and was late making a payment in XXXX 2020. I am asking for a goodwill credit bureau update to remove this late reporting. As soon as I was able, I brought my account current and even paid off my installment loan. I am in the process of trying to qualify for a home loan to provide a future and solid foundation for my children and this late payment is negatively impacting my credit score. Please know I am NOT disputing the reporting but only asking if I can be granted a goodwill credit bureau update.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Capital one switched our account on Thursday XX/XX/XXXX with limited notice I received the letter in the mail the night of the XXXX and my direct deposit is scheduled for XX/XX/XXXX due to this change in account type ( same account number but different routing number ) by capital one my direct deposit is in limbo ( XXXX )
Product: Debt collection

I am XXXX  and used telecommunication device to call. They hung up the phone on me. 
I called back and they would not answer. I had someone call for me and they said they would call me back. They never did. I had someone call for me again and they said they could not speak to that person and they threatened to take me to court. They called a line based number but again would not talk to that person even though they told them I was deaf so the person asked them to stop calling. I received a settlement letter and called and left a message for return call but again they never did. I called again and no answer. I am XXXX XXXX XXXX XXXX and unable to pay. Months later they sent more documents asking for payment but won't accept my relayed calls. 

This whole process after years of wating, denied secondary exemption and began again XXXX 2024. I just received a package in XX/XX/year> and seems this whole process is starting all over again. I am deaf and us telecommunication device or another perso to speak for me. I am currently on XXXX and am asking them to honor the request to exempt and cancel all debts in regards to this matter. To cease threatening me with court and when a deaf person calls to accept the call and return calls when promise they will do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am buying a house. I am a loyal customer of Honda financial services for many years since XX/XX/XXXX. I have leased XXXX each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that Honda never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked Honda to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have two XXXX  children and I am a XXXX XXXX and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very XXXX  and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE ALL OF MY PERSONAL INFORMATION ON MY CONSUMER PROFILE AND REMOVE ALL ADDITIONAL ADDRESSES NOT LISTED IN THE DOCUMENT ATTACHMENT BELOW. ALL ADDITONAL ADDRESSES ARE NOT MINE, PLEASE REMOVE THEM. THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX have violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 602 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I have filed several disputes with XXXX XXXX XXXX and Portfolio Recovery Associates and XXXX  XXXX  and XXXX. This is an identity theft matter and I have executed an identity theft affidavit and statement to or with Portfolio Recovery Associates and submitted this to XXXX XXXX XXXX. XXXX XXXX XXXX and Portfolio Recovery Associates have continued to report this fraudulent item to my credit report causing me to not get a Covid loan for an emergency due to this report. I am attaching to this complaint the affidavit of identity theft and accompanying documents. This is NOT my debt and I did not open or authorize this account to be set up in my name with XXXX XXXX XXXX and Portfolio Recovery Associates, yet they keep reporting this erroneous debt in violation of the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report on this inaccurate account XXXX  ( Account XXXX ), I noticed a late payment, this is inaccurate and is being reported. After closely looking at the Fair Credit Reporting Act, I have made note of violations made in handling the account and thereafter my dispute. Not only is the account billing error but are reporting an erroneous late payment. There are multiple violations in handling this dispute that are clearly outlined in the FCRA within law 15 USC1666. I would like to bring your attention to 15 U.S. code 1666- CORRECTION OF BILLING ERRORS, and blatant violations within these codes.15 U.S. Code 1666 ( a ) failed to acknowledge my dispute within 30 days of receiving it, as required, and 15 U.S. Code 1666 ( b ) failed to provide the results of their investigation within two billing cycles or a maximum of 90 days. Then 15 U.S. Code 1666a ( a ) reported the disputed late payment to third-party credit bureaus before resolving the dispute, which is a direct violation of the law. Also 15 U.S. Code 1666a ( b ) failed to notify me of the names and addresses of the third parties to whom you reported the delinquency while it was in dispute. 15 USC 1666b - timing of payments, the law clearly states : ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose regarding the items above having late payments, it is important to note that those are to be excluded from a consumer report as well, per 15 USC 1666b , so there are various violations your agency is committing by willingly continuing to report this information. Under these laws, you are required to thoroughly investigate disputes, ensure accurate reporting, and maintain compliance with consumer protection standards. By continuing to report the inaccurate late payment, you are not only violating these regulations but also causing harm to my credit standing. To resolve this matter and avoid further action, I demand that you : Immediately correct the account ( by updating it to " Paid as Agreed '' ), and provide written confirmation of the update and your compliance within 30 days of receipt of this notice.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I have occurred. Despite having sufficient funds when transactions were authorized. I was charged for you due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settle with the insufficient balance is despite initial available funds. I believe these practices, are unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, {$1000.00}, XXXX XXXX XXXX XXXX to remove the item, all the information is incorrect, they stated that the account was sold to another company. Also, dispute this item and nothing happen. 

In accordance with the fair credit reporting act, XXXX XXXX service ACCOUNT # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file : XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Checking or savings account

I received a letter from Wells Fargo in XX/XX/2017 indicating that my account ending in XXXX was being closed by the bank. Then in XXXX of XXXX nearly XXXX later I received a letter from Wells Fargo indicating that the same account XXXX had been adversely affected due to an excessive hold placed on a deposit to the account. As I was the sole account holder and authorized user and had stopped accessing the account upon receipt of the XXXX  letter, an unauthorized party accessed the account to make the deposit and almost certainly make debit transaction. Unauthorized access to AuthorizeXXXX Account.
Product: Debt collection

Called my father to try to contact me about debt. Called me to put me on a payment plan to pay off the debt
Product: Checking or savings account

The bank urges us to use their smartphone app to deposit checks without having to go to the bank. I did this a year ago and they put a hold on the deposit for two weeks saying it was a large deposit from a private party ( check ). I went through my business with them, that I sell a high ticket product to individuals and if they look they will see that all my deposits are from private individuals, via personal checks, and are all for {$5000.00} or more. They agreed and made the funds available eventually and said it wouldn't happen again. 
Guess what? Exact same thing Thursday XX/XX/XXXX. Friday I contacted the same person from the executive appeals office and he said the same thing - " private check / large amount ''. I reminded him of previous issue, no bounced checks ever from these clients, etc. he said too bad. Wait a couple weeks - while they have the money from the other bank but won't make it available to me. 
Very difficult on a small business when clients finally pay $ XXXX and then the bank wants to sit on it for half a month. 
I emailed the President and each member of the Board of Directors at Bank of America - no reply. Can you help?
Product: Vehicle loan or lease

On XX/XX/XXXX, Capital One stated they would pay off my loan with my previous lender within 7 days. Rather than actually do this they called back on XX/XX/XXXX repeating the same information that they wound then payoff my loan within 7 days even though they previously stated it would be done previously. Then today XX/XX/XXXX, my previous lender stated they never received the payoff. Now two lenders are trying to make me make payments for the same car. 
When I call capital one finance for auto it states no one is available and to call back the next business day. 
I can not resolve this issue as capital one refuses to let me speak to them. 
Capital one did not fulfill their promise to payoff my loan and mislead me.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Above I am starting with the contact information I received from the dispute I filed for XXXX. I  attended college for XXXX XXXX and did not get to finish the program because the school shut down when XXXX colleges took over XXXX college.  They committed fraud and lied to their students about the school shutting down including me and got me to spend more money knowing the school was shutting down. I did not get to finish school and should not have to pay for these loans. They expect me to pay around 6 grand a month but I did not finish my degree so I do not have a good XXXX job to pay like I would have if I would have got to finish school. I found a website online last year and finally got a mailing address to mail papers in to detest the student loans but never heard anything back. Tried to research number s to get ahold of them and nothing ever went through and no one got back to me. I need help getting justice for the loans that I should not have to go back. They are destroying my credit and I can not and will not pay the loans back for a degree I did not get to complete I will eventually have to file bankruptcy if the loans aren't forgiven. Many students got their loans forgiven because of the fraud XXXX  colleges committed and I should be one of those students.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXX 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: Vehicle loan or lease

On XX/XX/31 at approximately XXXX XXXX, I called Hyundai Finance Motors to make a payment on my past-due loan. I informed the representative that I only had {$500.00} to pay toward the XXXX past-due balance. I requested a late fee waiver, as the amount being asked was {$560.00} and I had just paid {$1000.00} a couple of weeks prior, and my funds were limited. The representative proceeded to tell me that Hyundai does not waive fees and I would need to pay the amount requested in order to stop collection calls. I asked the representative, why didn't Hyundai have a fee waiver request available for their consumers to allow them to get caught up on their past due amount when efforts are being made to bring the account current. The representative proceeded to tell me that my past-due account is my fault and why should they waive my late fee because I fell behind. I told the representative that she was in violation of the FDCPA and that I would report her for abuse. I then requested to speak to another representative to proceed to make my payment. The representative told me to report her and hung up in my face. I called back to make my payment and also to request the name of the representative. I was only given the name XXXX, no extension was provided. The new representative did, in fact, request a fee waiver ; so not only was the previous representative abusive, but she also provided false information regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I got married and changed my name. I updated my name to all of the appropriate bureaus and Equifax is the only entity that has ruined my credit because of it. It took almost a year for them to correct my name because initially, they opened a new credit profile under my new last name and kept my previous name active under my old profile which caused confusion and that split my entire profile in two. Under the new one are my new accounts from XXXX to now ; the old one was everything prior. It took many calls and emails to figure out what the issue was. When I called, I was told they had to merge the two profiles together and that would solve the issues. While this was going on, my credit took a hit because Equifax stopped reporting my on-time payments to my open accounts. They have not reported anything since XX/XX/XXXX and it is now XX/XX/XXXX. When I called in XX/XX/XXXX to ask them to resolve this and make sure my credit report was accurate, I was told that a ticket would be open and it would be worked on. I called a few weeks ago for an update and was told my ticket was still in the queue to be worked on I was told I was not the only person this happened to so they fix it when they get to it but there is no timeframe. This has caused damage to my credit and my reputation and I just need my account to be fixed, please.