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

XXXX XXXX XXXX  is not my account. This account is showing as a collection on my credit report. 

I had a syncb/jcp account before but that account is current and active. Opened XX/XX/XXXX Not sure where XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Pursuit to 18 USC 8. I owe no debt. This Company is violating my constitutional rights to privacy pursuant to 15 USC 168 1b 2. Company has NO permission to report ANYTHING using my info pursue it to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card

I have had a Rooms 2 Go, Synchrony Bank account for a couple years, as I used it to make a bedroom/frame purchase from a Rooms 2 Go store in XXXX of XXXX. This was on a large no-interest policy, which was set to expire/end at the end of XXXX. Randomly at some point near the end of XXXX, the bank, while doing it's " monthly reviews '' decided my account should be closed and exerted it's authority in the matter, closing the account down, while preserving my no-interest policy. The original purchase was for {$1000.00}, with a minimum payment of {$17.00} a month. None of this is where my complain lies. 

Once they randomly decided to close my account, their actions also prevented me from using their highly convenient app to keep track and make purchases. I do not own a full fledged fully working computer so this was definitely an extra burden they put on me, and I believe their reasons for doing so are malicious. There is no reason to block someone out of an app designed to make payments convenient, unless their intention was to not make things convenient. As with most policies involving no-interest, if I were to miss a payment they would have the authority to not only revoke the no-interest policy but add on all of the interest from the beginning, netting them several XXXX dollars in interest fees and such. 

It is my strong belief that their action, and likely policy, to prevent customers with active debt, from accessing an app that all of their other customers are free to use and is available on all platforms, is an attempt push customers towards violating their no-interest policy. It is not lost on me that the decision to close the account was done solely on their end as well, meaning they have been responsible for every action. I am concerned their actions are malicious and intended to push customers in these situations to acrue even more debt, and there is no financial burden on them in allowing access to the same convenience features that all of their other customers enjoy. This was also a store credit card, giving even less reason to take such measures as it was for a furniture store and not prone to constant purchases.
Product: Mortgage

On XXXX XXXX a company Realtime Resolutions contacted new and stated that they would be able to sell my home back since they had foreclosed due to me defaulting on my second back in XXXX  when the economy crashed. Its been two weeks and Im now getting the run around, the evicted ne and my children. They said if I paid them XXXX dollars they would be able to transfer the title back to me. I just needed to show proof of the funds which I told him I did, try to send the proof and now the email came back undeliverable. I feel as though they just want to gain time and not come true in what they told me, unfortunately Ive not been able to have them put anything on paper, what can I do? Its my children s livelihood. Please help
Product: Money transfer, virtual currency, or money service

Venmo. 
A friend made 2 deposits on XX/XX/XXXX to be transferred to my account. The next day XX/XX/XXXX I requested a transfer of those funds ( {$1800.00} ) into my bank account. Today is XX/XX/XXXX and I have yet to receive my funds nor an explanation explaining why the funds haven't been transferred.
Product: Credit reporting or other personal consumer reports

New investigation Dear Credit Bureau, I would like a full investigation on the account listed below : Creditor : Account : Reason : Instruction : In the last letter you sent to me, you stated that you already processed my dispute and that the grantor has verified its accuracy. You also quoted the law and stated that you will not reinvestigate the same dispute again at this time. Well according to the FCRA, if I have new and relevant information, the credit bureaus must start a new investigation. Im I right with this one? I dont know the laws like you do, but I do know how to look on the internet to make sure my rights are not being violated. You told me to contact the grantor, well I did that. Take a look at the letter I sent the grantor. 
I sent the letter attached disputing the account listed above and disputing the accuracy, but the grantor never responded to me. If they did not respond, then they can not continue to validate and report inaccurate information. Because of their violation of the law, this would constitute new and relevant information for you to start a new investigation. Now that you know that the grantor is not following the laws put in place to protect me and others, you must do your part and follow the law now. Please delete the account stated above. If you send me another letter like the one you sent before stating you wont re-investigate, I have no problem with filing complaints with the Attorney Generals Office and Consumer Financial Protection Bureau. I will also be seeking legal advice if you violate my rights.

I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 
For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity.
Product: Student loan

The loans are private loans and they have reached the statute of limitations but they a reporting on their web portal as though i still owe it but i don't. attached to this message you will see a document were the first default date is XX/XX/XXXX which means that the statute of limitations is XX/XX/XXXX. which means i don't owe this debt anymore.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

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

Equifax and XXXX have reported a XXXX XXXX XXXX after i sent verification that XXXX XXXXXXXX showed i didn't have a Bankruptcy and the US Bankruptcy court states, they don't report XXXX XXXX XXXXXXXX has removed the XXXX as requested. 

Inquiries I disputed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Product: Consumer Loan

I am at the end of my short sale on my home. It is owned by XXXX but is a XXXX Loan, it was submitted through XXXX and has been approved. I have several other liens on the property and although multiple attempts have been made and it has been made clear that this is a XXXX loan and they are not giving anything to the Judgement liens on the property, I and the agent along with the real estate broker have been able to put some money together and pay some of the judgements in an attempt to settle for less then the original amount, however, XXXX Midland Funding or XXXX is not willing to take a penny less then the full amount plus accruing interest. The XXXX position is not getting the full amount, hence the need for a short sale, traditionally they dictate the jr lien payoffs. I do n't know what else to do to get this passed through and my agent has run into a dead end. We have to close the sale by XXXX XXXX and I am out of options.
Product: Vehicle loan or lease

We have two leased vehicles with TMCC and have made every payment on line with XXXX. TMCC has been crediting both payments to loan number XXXX ( XXXX ) since XX/XX/XXXX. TMCC repossessed the loan number XXXX ( XXXX ) on XX/XX/XXXX. It is clearly their error and it cost us {$2100.00} due to their error. We just received a letter they are repossessing it again. I am truly lost and need some assistance.
Product: Credit card

I was a victim of fraud, swindle ( scam ), and leads to Identity theft. I spoke with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) located in XXXX XXXX, Arkansas. I spoke with her to set up an account. After gathering my information, she used it to carry out a series of fraudulent charges. I realized all of my personal information was used to open credit cards, take out loans, and completely wipe out my life savings of over $ XXXX. And XXXX of the credit cards that were fraudulently charged was this my XXXX XXXX card orders thousands of gift cards online such as XXXX, XXXXXXXX XXXX XXXX and many more. I do not remember all. I DID NOT authorize all online orders at XXXX that charges on my Military Star card. The charges back on or around XX/XX/2023. These charges were completed by someone else, the person who stole my identity. When I called and disputed all the fraudulent transactions says it was denied, because the orders were delivered to my address, and I never get it anything delivers. I did know and not expecting it and also says There are several notations from calls made in regards to orders XXXX and XXXX in which it is stated that there were issues while attempting to use the e-gift cards. And that a refund for these orders was waiting to be processed. never get the refunded it. Please if anybody can help me out of this claim. Thank you in advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fraudulently utilizing bait and switch patterns in response to violations being reported resulting in misinformation, inaccuracies and flat out unlawful and illegal CRA practices. I am writing on behalf of my client to bring to your attention a serious issue with the information on their credit report. Upon review of the report, it has been discovered that there are several errors and false statements contained therein. After conducting an investigation, it has been determined that these errors and false statements are the result of your agency 's failure to properly verify and authenticate the information that has been included on the credit report. | Specifically, it has been discovered that Experian fraudulently transposed two separate issues that occurred on XX/XX/XXXX and XX/XX/XXXX, resulting in the inclusion of false and misleading information on the consumer report. This transposition has caused significant damage to my client 's credit score and reputation, and has made it difficult for them to obtain credit, loans, and other financial services. | On XX/XX/XXXX, my client submitted a complaint through CFPB regarding Experian 's violations of the Gramm-Leach-Bliley Act ( GLBA ) and the inclusion of false and misleading information on their consumer report. Despite providing a copy of the consumer report in question, Experian marked the complaint as " vague '' and " unclear '' on XX/XX/XXXX. On the evening of XX/XX/XXXX, my client submitted another complaint through CFPB regarding Experian 's misconduct on a separate account that was found on their credit report. | Experian falsely reported the issue on XX/XX/XXXX as re-investigated updated and resolved on their website, void of any CFPB notice. Furthermore, Experian has denied my client access to dispute any inaccuracies on their consumer report through their website and has forced them to utilize the CFPB for all complaints, disputes, and inquiries. | Experian has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to follow reasonable procedures to ensure the maximum possible accuracy of the information on my client 's credit report. By failing to properly verify and authenticate the information on the credit report and fraudulently transposing two separate issues, they have violated the FCRA and caused my client significant harm.
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 rioghts and confidentiality under 15-USC1681 : XXXX 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 I looked at my XXXX credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance with the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 innacurate.
Product: Credit card or prepaid card

I was getting direct deposit to my bank account for unemployment for the first 2 weeks. It then got switched to a debit card that I was not made aware of. When the card came in the mail I shredded it bc it looked like a credit card that I had not applied for. There was no letter stating what it was for. After I found out from unemployment that was the card with my money I tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to call the bank to get a new one or to have the money transferred to my bank. I have sat on hold from 2-5 hours to be disconnected. I can not get through to the bank via phone or online. As you can imagine this is a hard time and Im trying to get access to my money so I can pay my bills. I'm begging that someone please contact me and help me get access to my money. Thank You.
Product: Money transfer, virtual currency, or money service

This money wire/digital wallet company forces users to provide all their personal and bank info e.g. Social Security #, DOB, account & credit card numbers etc. All of which they claim is used to " verify '' your identity. However, they are now using unethical delay tactics with no rhyme or reason to prevent users from trading in their Bitcoin ( digital currencies ) into dollars. One of those tactics is locking people outside their accounts by claiming the system does not recognize their devices. This happened to me except I know for a fact I have used the same computer to login countless times with no problem until now ; ever since the price of Bitcoin has risen ( today : XXXX XXXX 2017 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago. 

XXXX credit card I already paid them in full 3 years ago XXXX   XXXX Already paid them in full around XXXX of this year. 

XXXX credit card Never been late in payment and paid them in full XXXX Paid them in full already
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XXXX and XXXX. Please look at XXXX and XXXX as they are reporting my account as 0 late payments and never late. Please also take a look at the reporting date as Transunion is way off from XXXX and XXXX as well. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to " Paid/Never late '' as they should be, due to the fact that I was never late. Thank you for your time.
Product: Credit card or prepaid card

In XXXX I contacted Citi bank to let them know that I was affected by the pandemic. They gave me 1 month extension for a payment. In XXXX I made a payment that brought my balance from 79 % 0we 'd to less than 10 %. The say after I made a huge payment they hit me with a late charge of almost {$60.00}. When I asked if there was something they can do about that. They stated they gave me a break in XXXX and it was a one time thing. When I stated that a just made a huge payment, a supervisor said it didn't make a difference if I paid {$30.00} or {$3000.00}. I had just made a payment over {$3000.00}.
Product: Debt collection

I received an alert from XXXX regarding a change to my credit score. Upon logging into my account, I discovered a charge from XXXX XXXX XXXX for {$2400.00}. I have never used XXXX XXXX XXXX I have maintained the same XXXX phone number for over XXXX  years. This debt first appeared on my credit report about XXXX years ago, at which point I disputed it and had it removed. However, it has now resurfaced on my credit report. XXXX failed to perform proper due diligence to verify that the debt belonged to me if they had, they would have realized it was not mine. 

When the fraudulent activity initially occurred XXXX years ago, I placed a fraud alert on my credit and locked my credit with all creditors. This measure ensures that no accounts can be opened in my name unless I am physically present with identification. 

I attempted to contact the creditor directly, but they informed me that the only way they could assist me was if I provided my social security number. I refused to do so.
Product: Student loan

Navient holds my student loans. They were supposed to consolidate all my loans into XXXX loan after I came out of their rehabilitation program. I have been paying them for almost 2 years now. I am trying to buy a home and just learned that Navient never consolidated my loans like they said, and they are also reporting me to the credit bureau 's as both derogatory and open accounts every month. This is effecting my credit as to where I can not get a home loan and causing me distress. I have a XXXX child that needs the stability and security of a home and this is hindering his need. I called Navient they advised me that they are in fact by law able to do what they are doing and if I want to put a complaint it I can and as far and as the consolidation I can set that up with them that day. At that point I was so distraught I had to hang up. I didnt know where else to turn to for help with getting this company to stop reporting me as a bad debt when I am clearly paying that debt to them every month which they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

Bank of the West reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and Bank of the West just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Product: Checking or savings account

On XX/XX/XXXX I went to the ATM at the Bank of America branch in XXXX, Ca to withdraw monies to pay my rent. Since my daily limit on my card is {$XXXX}, I withdraw {$XXXX} on my card and {$XXXX} on my husbands card. On the first transaction the ATM disbursed the {$XXXX} like normal. On the second transaction, the machine gave me the receipt like if it had dispensed the money, but it did not dispense the money. I was concerned, but felt some sense of security since the ATM 's have camera 's and it would clearly show I did not receive any money for this transaction. Since I still needed the remaining {$XXXX} to complete my rent monies ( {$XXXX} ) total, I moved used the next ATM and was able to successfully withdraw another {$XXXX}. I noticed right away I was missing {$XXXX} from my account and not {$XXXX}, but since it was a Saturday I was not able to get a hold of anybody via telephone. On XX/XX/2019 I called Bank of America and informed them of what happened. They gave me a provisional credit and said they would look into it. 

After some time, on XX/XX/2019 they reversed claim number XXXX - they removed the provisional credit citing that apparently I did receive the moneys. This is incorrect. I never received the {$XXXX} from the machine and now I am being robbed of {$XXXX} by Bank of America. I have a very difficult time speaking to somebody at bank of America who can properly assist me with this. The local branch manager is of no help whatsoever and I keep getting pawned of to 1800 ' numbers that force me to re-explain the entire situation over and over and over again, which results in a giant waste of time because nobody is willing to conduct a real investigation and review the camera footage to confirm that indeed I DID NOT RECEIVE {$XXXX} that day. I only received {$XXXX} as one of the withdrawals did not dispense any money.