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

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Your agency is in violation! 
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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - UNEMPLOYED WITH INCOME Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX card issued me a credit line through comenity bank, they gave me a credit line of {$1000.00}, i go to XXXX SITE and shop on their easy payment plan iyems, ive been doing my monthly payments not until i noticed that my monthly dues doubled, when i reviewed my account i found out that they raised my credit to {$2000.00}. after i found out i immediately closed the account and contacted comenity bank and asked if they could lower my APR, but instead they gave me a generic response. i still make monthly payments but i can only afford half of the amount. i never asked for credit limit, i think what they did was fraud, i own a few credit cards and its always me who ask for a credit limit., but comenity took advanatage of me, i was a good payer and not until i ca n't keep up my monthly dues, i reach out to them twice but they i always get a generic answer and they are not willing to help when it comes to lowering APR and late fees, even though i make monthly payments but since im not paying the minimum bal. they charge me for late fees and apr. they have been harassing me, calling me everyday under : unknown '' caller. i want to resolve, but im only willing to pay the amount i owed with low APR.
Product: Credit reporting

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score has dropped significantly in the past month due to unauthorized searches into my finances while attempting to apply for a loan.
Product: Vehicle loan or lease

On XX/XX/20, I contacted Bridgecrest ( the finance company for my auto loan ), and told them I was having trouble making my car payment which was due on XX/XX/20. I advised them I was out of work due to Co-Vid 19 and was in the process of interviewing for a new position. I asked if I could have the XXXX and XXXX payment deferred, so that I wouldn't owe anything until XXXX. I advised I'd be able to make the payments starting in XXXX. I was told they would submit the request and to call back to see if the deferment request was approved. 

On XX/XX/20, I called back and was told the request needed to be resubmitted. For some reason the first request wasn't submitted, but the information was there. I told the rep I needed to defer my XXXX and XXXX payment. I was then told to call back once the XXXX payment was due and request a deferment for both XXXX and XXXX because I couldn't request a deferment for a payment that wasn't due, and if I requested the deferment for XXXX, it would automatically reject a second deferment request for XXXX. I asked if I would be at risk for repossession or anything, and I was told no. 

On Friday XX/XX/20, I noticed my credit report reflected the incorrect amount owed for my auto loan. I checked the payoff amount on Bridgecrest 's website, and it reflected {$15000.00}. That amount didn't make sense since I'd purchased the vehicle XX/XX/20 for {$15000.00}. I put an {$1100.00} downpayment on the vehicle that day, and I've been paying {$420.00} every 2nd day of the month up until XXXX. 

I asked why my loan reflected this balance as if I hadn't been making any payments at all. They told me it was due to the daily interest which accrued from XX/XX/20 until XX/XX/20. I was advised that amount included {$600.00} additional added to my loan. I told him that it still didn't make sense due to how much was already paid into my loan. I wanted to know where the rest of my payments had gone. 

The representative told me something didn't look right with my loan and told me he'd allow me to speak with a manager. He then put another gentleman on the phone who said he was the manager. He tried to explain to me why the balance on my loan was so high. The calculations still didn't add up or make sense. He then told me he wasn't a manager. He'd actually been pretending to be one. 

I feel this company has engaged in illicit and dishonest behavior to inflate the amount owed on my loan and take advantage of the Co-Vid 19 situation we're having. I shouldn't be accruing exorbitant daily interest amounts, especially when I'm dealing with a financial crisis and already made attempts to have the payment deferred. Also, the amount owed on my loan shouldn't 've suddenly inflated to an amount that completely cancels out all of the payments I've made since purchasing the vehicle.
Product: Checking or savings account

On XX/XX/2018, I deposited a check of {$4000.00}. After a few hours, TCF took this deposit and turned it into a debit on my account thus turning my available balance far into the negative. I called and they said this is normal in which they need to hold the funds before they can release. I understand holding the incoming funds from being released, but not taking the available funds from my account and doing what with? Earning interest on their end? I was sitting at dinner and couldn't pay because they essentially held my money. Even their employee said that it was ridiculous but sadly outside of her control. Based on her tone, she gets these calls often. 

How. Is. This. Legal. 

Tomorrow I am switching banks.
Product: Checking or savings account

XXXX XXXX first chime took away my spot me account, which led to only the checking and credit builder left. I had money in all of them. I had atleast XXXX in my credit builder. I had 4 something in checking and 3 or 4 in my savings. I get paid every 2 weeks. I've had chime for atleast 4 or 5 years now and never had a problem. I've called and emailed. Just says due to a deposit agreement contract or something I did or someone else did. They have sent multiple emails with the same response, " your accounts are closed and no refund ''. Help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the XXXX/XXXX account. XXXX  is playing dirty games ....
Product: Credit card or prepaid card

I went to Lowes to get something to fix my bathroom. When i went to the register and switched my card it declined. I told them that I make all my payments on time and there is a mistake. They advised me to call the credit department, to my surprise I was told by a rep. that my card was closed. I asked who authorized them to close my account. They stated because I wasn't using it, they closed it. I was very upset at that time. Then I was thinking I has a balance at that time, and I was making all my payments on time. Now my credit is being affected because they are reporting that I have been late on a closed account that they took up on themselves to close. It is affecting me so bad that I can't even refinance my vehicle to get lower payment. This is really embarrassing and affecting my life in a very bad way.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding your failure to update and/or correct my personal information in my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the rights related to the accuracy and timeliness of data ( 15 U.S.C. 1681 ).
Product: Vehicle loan or lease

I was in an at fault accident on XXXX XXXX XXXX XXXX XXXX is my insurance company which has wrongfully totaled my car. I understand the process of total loss. I told the Adjuster I wanted to owner retain my vehicle. I called my finance company whichbis Ally Financial and they agreed. XXXX XXXX refuse to send the proper documents to Ally Financial and Ally refuses to accept the XXXX car evaluation XXXX XXXX sent them. Ally said they need XXXX XXXX XXXX and XXXX XXXX keep stating they only use XXXX. XXXX XXXX stopped accepting my phone calls. I had to go to a local office to get a XXXX on the phonevand she stated she would send the XXXX XXXXhat Ally requested but never did. Meanwhile I pd out of pocket to get mylar repaired in the amount of XXXX to have transportation to work. Ally is forcing me to continue making payments and I saw on my account that another payment is not due until XXXX XXXX I did not make those payments. They are trying to take my car. I have never been late with an insurance payment or car payment.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  XXXX, disrupting my sleep and peace of mind.
Product: Credit card or prepaid card

This is my second complaint to CFPB for the same issue. 
I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually  redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. 
It was never fixed and to date, it is still not working. 
I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. 
I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. 
So I called XXXX XXXX. She did not return my call. The problem is not resolved. 
Please make them fix this simple website problem. It is not brain surgery.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX reports I dont have account with them however Consumer Adjustment says I do
Product: Bank account or service

I had pull my wife off of my bank account, and during that process the bank went in to her account and pulled {$130.00} out to put in my account because it was overdrawn for 15days and cause her account to go overdrawn due this process. At this point now both accounts are overdrawn and the back is saying ohhhhh well it is in the agreement.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I purchased XXXX XXXX from XXXX. In the ad it says " 0 % '' interest for 24 months. Received my first statement and there were charges on the account that were not mine. Eventually they were removed but interest was being charged. I called Goldman Sachs many many times, no one had a clue as to why. Was finally told that interest was being charged on the sales tax. I was never told that and it clearly states in the purchase that it would be 24 months 0 % interest. There are XXXX different amounts on each statement, which I was told by apple and goldman sachs that one was for the sales tax and the other towards the phones. There has been XXXX payments since I started and not only am I still paying interest but the balance due is more than it should be. I have written to XXXX XXXX XXXX XXXX XXXX at XXXX back XXXX XX/XX/XXXX and heard from someone at her office but she had no clue what was going on. I wrote again XXXX XXXX to XXXX XXXX and explained in detail about payments, interest etc, but as of this date, XX/XX/XXXX I have heard nothing. I think its fraudulent to advertise something that they do not do. Plus to have to owe more than should be.
Product: Credit reporting 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/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act my rights have been violated- 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 instuctions.

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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update
Product: Credit reporting or other personal consumer reports

Good afternoon, I am writing to you because I have noticed that I have a certain number of inquiries on my credit report because they have been unauthorized. The inquiries that I need you to delete are the following : Td Bank it was made on XX/XX/XXXX XXXX  it was made on XX/XX/XXXXXXXX XXXX XXXX XXXX  it was made on XX/XX/XXXX XXXX XXXX itwas made on XX/XX/XXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX XXXX XXXX it was made on XX/XX/XXXX XXXX  it was made on XX/XX/XXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX  it was made on XX/XX/XXXXXXXX XXXX XXXX it was made on XX/XX/XXXX
Product: Mortgage

I fell behind on my mortgage for two months and attempted to make up a payment arrangements with the company ; however was unsuccessful. When I made a payment, it was returned to me. I received a letter from their lawyer stating that I was in default and property will go into foreclosure if full arrears wasn't paid. I did not have the monies to pay the amount in full. When I called the lawyer office, they did not have a resolution for me other than pay the amount. I called the mortgage company and they suggested that I attempt to apply for a loan modification. I completed the application with the help of Neighborhood Housing Services of XXXX. I received a court date. Filed my answer and appeared in court. Court appointments lasted from XX/XX/XXXX to XX/XX/XXXX. I completed the full application about five times and additionally, continued to send them additional pay stubs, bank statements, hardship letter repeatedly every month. I kept in constant communication with the lawyer who all documents were sent directly to ; however, every month I would receive a letter stating that my modification package was incomplete. Every court appearance was dealing with documents that they did not receive hat I had fax confirmation to sending to the lawyer office. The judge lost his patience and dismissed it for myself and the bank to complete. I felt that filing Chapter XXXX was best to save my home but I would like for a fair chance at modifying the loan and dismissing the bankruptcy. I feel that I was not treated fairly. The communication between the mortgage company and myself was very poor and I feel as if I was given the run around from the beginning. My plan is to remain in my home. I now have sufficient income to sustain ; however, I can not afford to pay the bankruptcy and mortgage and maintain my home. I do not want to lose my home.
Product: Credit reporting or other personal consumer reports

I am writing to file an urgent and stern complaint against Capital One for their gross mishandling of a fraudulent account dispute, which has severely impacted my livelihood, reputation, and credit score. I discovered a fraudulent Capital One account under my name. I immediately took action by contacting Capital One through both written correspondence and telephone calls to dispute this fraudulent account. Additionally, I provided Capital One with an Identity Theft Report as mandated by federal law. Despite my proactive efforts, Capital One has persistently failed to provide a detailed method of verification for this disputed account. Their continuous reporting of this fraudulent account to credit bureaus is a blatant violation of my consumer rights and has caused irreparable harm to my financial standing and personal reputationLack of Detailed Verification : Capital One claims the account was verified but has failed to provide me with any detailed information or method of verification used to substantiate this claim. 
Ongoing Reporting of Fraudulent Account : Despite clear evidence of fraud and an Identity Theft Report, Capital One continues to report this fraudulent account, causing significant damage to my credit score and overall financial health. 
Reinstatement of Fraudulent Account : Alarmingly, the account was even reinstated after my initial dispute, further indicating Capital Ones failure to address the issue responsibly. 
Complicity in Fraud : By continuing to report and support the validity of this fraudulent account, I believe Capital One is complicit in perpetuating the fraud, thereby violating consumer protection laws.