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

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Student loan

Hi, I am currently trying to become eligible for the public service loan forgiveness program. As you are aware, in order to qualify, you must make 120 timely payments on the loans to be eligible for forgiveness. Over the past 8-9 years, I have been making timely monthly loan payments under the IBR program . I make a single lump-sum payment, and the servicer applies the payment to the nine different loans that constitute my universe of law school student loans.

For eight of my nine loans, I am right on track for forgiveness -- - I only have a year and a half to two years left of payments to make left. For one of the loans, the servicer said something like five full years of payments were untimely. The servicer agrees that I made them, but has deemed them untimely. However, as stated, during those five years, I made a single payment to the servicer, and they attributed the payments made to the individual loans. So, even when I made a timely payment ( and they correctly attributed the timely payments to eight of my nine loans ), the servicer delayed the attribution of a portion of my payment to one of my loans, such that the payment ( in their internal system ) is late. But that " lateness '' is due to their actions, not mine.

Accordingly, for one of my nine loans, they state that I will not be eligible for forgiveness until XXXX or XXXX ( my other loans will be eligible for forgiveness in XXXX or XXXX ). I raised the issue with my servicer, and after considering it for 8 months, they rejected my request.
Product: Debt collection

Im stating once again this company is an under violation of regulation out of the fair debt collection practices act. I have never been notified about this debt. They can claim they sent all the emails they want to claim they sent. That is not a sufficient initial contact to give somebody the right to dispute the debt either they remove this or I will sue them and Im going to win
Product: Credit reporting or other personal consumer reports

I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment # XXXX. At that time the name of the apartment was XXXX XXXX XXXX. The apartment changed the name to XXXX XXXX XXXX XXXX sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " XXXX '' XXXX. I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
4. " Final Account Statement XXXXpdf '' showed the final bill which I disputed with the XXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Admin XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone stole my personal information and create account in my name. In this moment i wold like to ask you to investigate and remove as soon as possible. Thank you so much for attending my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

The year XXXX my name was being reply incorrectly to the three credit bureau . I asked that this be removed. I have no middle name.
Product: Checking or savings account

I opened a Certificate of Deposit with Marcus by Goldman Sachs for a 10-month term. The promotional rate when I opened the CD was 5.05 %. About seven days later, the rate dropped on the account to 4.75 %. When I called to ask, the representative stated she was told to read a script, stating something along the lines of Marcus provides the best rate over a 10-day period and the rate is affected by the Federal Reserve . 

The Fed did not adjust interest rates over this period. Additionally, Marcus did not adequately disclose to me the possibility that the rate would drop, and certainly not by more than a quarter of a percentage. This action went against my expectations as a consumer, the representative from Marcus could not remediate the issue.
Product: Debt collection

XXXX XXXX has been contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX XXXX and was a XXXX  shift XXXX XXXX XXXX XXXX XXXX who had been working 10-15+ hour shifts, driving over an hour to work. 

On XX/XX/XXXX, for almost 30 minutes, I had a credit debt account executive and a manager get on the phone, the manager- a male- constantly interrupting his employee and myself. I asked for information to be emailed and I would check my mail again. He was very aggressive, trying to get me to commit to a payment over the phone and to not fact check anything either one of them was saying. I repeatedly asked for a couple days to review finances and information to which he replied that I'm in this situation for ignoring their calls. 

Throughout 2020, I contacted XXXX XXXX, asking for relief for credit cards due to covid-19 impact, loss of income, and XXXX. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. 

I had no clue or was unaware of my credit card account being sold to a collection agency.
Product: Checking or savings account

Hello, On XX/XX/2021 I authorized a Purchase using my Debit Card with Capital One for {$20.00} to be paid to XXXX. The purchase went through and funds were placed on pending transactions. On XX/XX/2021 the transaction cleared my account and the {$20.00} posted to my checking account. I noticed the same amount was still being held-I didnt authorize a second amount but now I have a total of {$41.00} unavailable to me ( {$20.00} that posted to my account and a pending {$20.00} debit authorization to XXXX which was approved XXXX XXXX ) it appeared the system didnt recognize my payment posting and completing so I gave it another 24 hours. I called XXXX to make sure only one payment was authorized and they confirmed what I saw online, 1 original payment. They also said it went through and didnt come back in anyway. I called capital one today and they verified the {$20.00} that completed and posted to my account was the same as the hold. I clarified that they were stating they agree that this should have released the hold once the payment was completed but they have policies and can not do anything. The rep I spoke with said they agree that it didnt make any sense why they would continue to hold money for a transaction that has now completed and fully posted. XXXX was paid and theres zero risk of any potential loss-yet the managers XXXX and XXXX could care less. Its the equivalent of me taking {$50.00} out of the atm and they hold {$50.00} more just in case. After they confirmed that they were able to discern that it wasnt two separate charges, more of a system glitch but not their problem. As of today, I have been told its not fraud and there is nothing I can do about them holding money for a transaction that was already paid and completed. I authorized one payment for {$20.00} not two and once it posts to my account, continue holding the money for the same payment.
Product: Student loan

Navient called me approx. 2 weeks ago stating my payment was 32 days past due and going to collection. I asked why since payments had been extended until May. She stated my loans are not federal loans. I said yes they are. I also have a letter from fed loan servincing stating that my FEDERAL loans are being transferred to XXXXXXXX for repayment. 

They have no reported me to credit bureau. I have all documentation. And their recorded call.
Product: Student loan

Since I applied for the SAVE plan, I made 2 payments. Then the SAVE plan litigation happened followed by the forbearance. I received several emails from studentloan.gov and also the loan servicer ( Aidvantage ) that while the litigation is handled, the interest will be set to 0 %. However, I have been charged with interest daily ( the interest amount increasing despite it being marked 0 % on the servicer website ). I have called and chatted with them about the accruing interest, but they deny stating that it is 0 %. I still see my balance go up daily/weekly basis.
Product: Credit card or prepaid card

I applied for the Bank of America XXXX XXXX XXXX XXXX for the enhanced sign up bonus and additional features. I was accepted for a lower product with no explanation why. When I called to upgrade to the Signature card I was granted that and promised the bonus that came with that card. A subsequent call to Bank of America requesting a status was made by me and again I wanted to confirm I was going to get the bonus and again I was promised I would. When I received the new card I called to request when my bonus would post and I was informed I was eligible for a far less bonus since I upgraded the card. This is deceptive and not what I signed up for. Now I have a hard pull on my credit and nothing to show for.
Product: Debt collection

Account in XXXX : XXXX XXXX XXXX ( reporting twice negatively ) XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

XXXX here has not been given a chance to XXXX those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Bank account or service

m an t bank they post transactions against my account at XXXX but post deposits at XXXX and I would get charges because I did n't have enough to cover after complaing about this I did notice last night a deposit was posted at XXXX frist time in 15 years also i deposited a XXXX dollar check they held XXXX the teller told me it would clear at XXXX for the full XXXX they also charged me {$45.00} in shipping on new checks it came by mail after fighting with them they did credit me back some
Product: Credit card

Capital One switched my credit card application to a different credit card mid-application and cancelled the bonus offer of {$750.00} after checking/hard pulling my credit scores. 

I applied for a capital one spark business credit card ( the green card ) on XX/XX/2024. I was shown during the online application processes and promised XXXX receive a {$750.00} bonus after spending {$6000.00} in the first 3 month. On XX/XX/2024, I finished spending {$6000.00} and now ( XX/XX/XXXX and XXXX XXXX ) they said my credit card wasnt qualified for the bonus. 

Now that I came XXXX realized : ( a ) Capital One denied me for the card with {$750.00} bonus but was offering me the same card ( same deisgn, same outlook ) without the bonus and different terms. ( b ) Wihtout reading the terms carefully ( given that I assumed I was approved with the card with the bonus as the card look EXACTLY the same! ), I accepted the new offer of the credit card without {$750.00} bonus. This entirely was not what I intended or wanted to apply for.

I'm extremely disappointed by Capital One 's use of deceptive tactics ( bait and switch ) to entice individuals to apply for their credit cards, and do not withhold promised bonuses after meeting spending requirements. Many, particularly those who are disadvantagedsuch as tho
se with lower literacy or education levels, as well as older individualsmay have unknowingly fallen victim to this unethical practice.
Product: Checking or savings account

I am the legal guardian for a deceased person, I must close this account at Chase and use the funds to pay her remaining bills. 
I have been working on this since XX/XX/2023, the banker at Chase sends all the documents to the legal department but nothing happens. The personal banker I've met with frequently since XXXX, does not know why nobody has gotten back to him about this issue, he has never been able to give me any reasons for the delay in closing this account. 
My deceased client has about {$10000.00} in the account. I have to answer to the XXXX XXXX, the hearing has been continued twice now, and still no response from Chase.
Product: Checking or savings account

My XXXX Tax refund was deposit to cash app XX/XX/XXXX between XX/XX/XXXX the amount was XXXX I made a complaint on my XXXX as soon the back infrom me that my XXXX was made because I realized my XXXX XXXX on my XXXX was Wrong. So instead of cash app sending the refund back they deposit. my refund into someone else account. it was never return back to sender I contacted the IRS I contacted XXXX bank first XXXX XXXX that made the deposit in ask them can they make recall on the XXXX XXXX XXXX XXXX told me that they do recalls on deposit.Cash app keep giving me the run around telling me that I need to contact the originator of deposit in telling I have contacted them in told about they don't recalls so I contacted IRS in XXXX out a XXXX form to track my payment I gave them my deposit tracking number XXXX in they refuse track my deposit. In the IRS still haven't received a deposit from them be to reissue out to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 XXXX a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Product: Consumer Loan

The high balance amount on my auto loan has only been deducted by only {$1000.00} in the course of XXXX. My monthly payments are {$260.00} ; strangely enough, my balance has been fluctuating from month to month. I 've requested several times for the American Credit Acceptance to send me information/ documentation of the said balance on the auto loan and how my payments were applied to my auto loan of the course of the full loan. This company has failed to mail documentation after the XXXX of requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Chapter XXXX, XXXX XXXX was included in BK discharged still reporting 2 acts on CB. Submitted several disputes to all CB.  No resolve.
Product: Credit card or prepaid card

I DON'T HAVE ANY REPOSESSION ON MY ACCOUNT PLEASE UPDATE IT AND REMOVE IT TO MY CREDIT REPORT.
Product: Debt collection

I was sent to collection for a debt I should have never paid. I was never told about this debt. I rented out an apartment and the conditions of the apartment became unlivable. The roof was caving in and had a huge hole in it with termites and unwanted critters coming in. The apartment failed to repair the issue after multiple and multiple attempts. The apartment complex agreed to let me leave a few months early without penalty. When I left, they said I did not owe anything else. I signed the papers and left my keys. in XX/XX/XXXX, I was trying to rent another apartment when they said there was a collection on my credit report and I would have to pay it before I moved in. I paid it in XX/XX/XXXX, even though it says I paid it in XX/XX/XXXX. I was told the adverse action would be removed from my credit report if I paid it in full. It was never taken off my credit report and now the company is saying I 'm lying about it. I am extremely upset this fraudulent charge can even happen without proper steps being taken. A company can just say that I owe them money and send me to collections without having to go to court and prove it. 

I have paid the apartment well over {$1000.00} a month the entire lease and was never told about a final fee or charge of {$160.00}. If I was told about it, I would have fought it at that time if it was fraudulent.
Product: Vehicle loan or lease

EXETER Finance denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; 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 MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I filed two claims with my bank ( Bank of America ) one was for XXXX and the other was for XXXX I went on vacation and came back home and checked my online banking app to see XXXX cash and XXXX transactions that were not made by me I called the bank to resolve this and file a complaint they paid me my first refund of XXXX I believe and still to this day have not gave my XXXX refund back yet its been XXXX business days this is ridiculous I should have to worry about my money being stolen from my bank which is supposed to protect my money. I have kids and a car to pay of and rent to pay
Product: Credit reporting or other personal consumer reports

I have inquiries I did not authorize and an incomplete address in a state I have never lived in on my credit report
Product: Checking or savings account

On XX/XX/year>, a savings account was opened and added to my checking account at Bank of America. When I looked into my profile, the address showed that the location was in New York, but I live in Texas.
Product: Credit reporting

Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a one thousand dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ 700+ ) and XXXX credit card ( $ 900+ ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account numbeXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have requested a check with a sum of {$6000.00} on XXXX XX/XX/2021 from PayPal and I havent got this check from PayPal. I called them and emailed several occasions but nothing seem to be done.Im tired of all this and I really want the money back into my account. I got other checks but didnt get the huge amount I requested.