23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2021, I sent a letter certified receipt along with notarized affidavit to Fed Loan Loan Servicing XXXX. XXXX XXXX, PA XXXX Account Number : XXXX Tell them the following. 

I would like to make arrangements to settle the above referenced matter. 
Please provide me with your statement of the amount owing as of XX/XX/2021. Together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Thank you very much. I told them if I do not get this item by XX/XX/2021 I want all student loans reporting showing on all credit bureaus to be removed immediately to include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX
Product: Debt collection

I wrote a check out to a school for my childs field trip. The amount of the check was for {$45.00}. The check was returned from my bank stating NSF. I have contacted the bank and printed out a transaction history report. The Check was ran on XX/XX/22. The NSF fee was reported and withdrew out of my account on XX/XX/22. The balance of my account on both sides of the transaction was enough to cover the check in question. Checkredi was not interested in the proof, wanted me to jump through hoops to justify in hopes I would just pay the additional fees. They stated that the {$45.00} plus a {$35.00} dollar returned check fee was resubmitted to my bank. I did not authorize any additional money to come from my account. I did not sign anything with this company stating they are able to take more money for fees on top of my original authorized check of {$45.00}.
Product: Credit reporting or other personal consumer reports

I am working in accordance to my consumer protection and I am seeking that certain information be removed immediately from all three reporting agencies Experian, XXXX, XXXX! 

( FERPA ) 20 USC 1232g ( b ) - My privacy rights are being VIOLATED by furnishing this information. 
XXXX/DEPT OF ED 15 U.S. Code 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

P.L 90-321 ( 82 Stat. 146 I have never given my written, verbal or non verbal consent for you to furnish this information! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 12 CFR 1022.3 - Anything added to my consumer report without my consent can be considered fraud in your part.

( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

These accounts are adverse items they are reporting again without my permission which is against the law! -U.S. Code 1681s2 ( A ) ( 1 ) XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX needs to be deleted from my XXXX XXXX 
They charged off the debt and sold the debt to XXXX XXXX XXXX By law of fdcpa, when a debt is charged off and sold, that means the consumer has no more obligation to the debt. They have refused to remove this and this is discrimination. This has XXXX XXXX  my XXXX for the past few years, and i will sue the XXXX XXXX for damages if this is not removed in XXXX  days! 

Please see attched letter below
Product: Credit card or prepaid card

I have been trying to get a {$500.00} check from Capital One for 3 months and they keep giving me the runaround. 

In early XX/XX/, I cancelled my Capital One Venture Card. On or about XXXX XXXX XXXX, I was issued a refund of {$500.00} from XXXX that was reflected in the account on or about XX/XX/2023. After speaking with a representative that month, I was told a check would be issued in a couple weeks. I confirmed during the call that the check would be sent to my correct address in XXXX XXXX, CA. After waiting 4 weeks, I called back as I did not receive anything in the mail. I was told the previous check would be voided and that I would receive another check. The representative confirmed that both the prior check and the new check had my correct address. In late XXXX, I went to my old address in XXXX, CA and saw that Capital One had misinformed me and sent the {$500.00} check to the incorrect address. Unfortunately, this check was already voided and I could not deposit it. On or about XXXX XXXX XXXX, I called and indicated that I had not received anything in the mail. I was told that another check would be issued to my correct address and it would take 15 business days. I asked why the check couldn't just be direct deposited or sent over night and they said the representative said they couldn't do that. I called back on XX/XX/ as I still had not received a check in the mail and was told that 15 business days would be on Friday, XXXX XXXX XXXX I called back on Saturday, XX/XX/ as I still had not received the check in the mail and was told 15 business days would be Monday, XX/XX/2023. I called back on Wednesday, XX/XX/2023, as I still had not received a check in the mail and was told the check was issued on XX/XX/2023 and to keep waiting. It is now XX/XX/2023. I have waited 3 months to be reimbursed and have been lied to or misinformed. This is not an issue where the mail is delayed as I have never received a check from Capital One at this address in 3 months. At this point, they have committed theft. Please help me get my money back. Thank you.
Product: Credit card or prepaid card

At approximately XXXX XXXX EST on XX/XX/19, I called XXXX. 
The automated voice system would not let me speak to customer service. I only validated the last 4 digits of my social security. As I repeatedly asked to speak to customer service, the automated voice system activated a replacement card without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Payday loan, title loan, or personal loan

I have improperly been denied credit from Care Credit, XXXX XXXX. I have a credit card with them for over a year always paid timely where they have increased credit line without request. Care Credit told me over a year ago I had to have credit with them greater than six months. It's been over a year!
Product: Bank account or service

In XXXX 2015, I came across an offer stating that if I applied for a citigold checking account using a promotional code, I would be eligible to receive XXXX AAdvantage Miles if I met the following conditions : a. Spent {$1000.00} of money in the checking account. 
b. Made two qualifying bill payments in consecutive months. 

I decided to call Citibank to confirm that this was not a scam. I called and spoke to a Customer Service Representative who assured me that I was in fact eligible for this promotion and that If I opened an account over the phone, with her, and met the stipulated conditions, I would in fact receive XXXX XXXX Miles. She also told me that there would be a $ 30 monthly fee for the account, and that I should only proceed if I was ok with those terms. I agreed, since I would be receiveing a XXXX XXXX Mile sign up bonus, it would be worth it. I listened to her instructions carefully, and followed them to the letter to meet the conditions stipulated. However, it has been 6 months, and I 've had multiple monthly fees deducted from the account, however I have not received any miles. When I called customer service, I was assured that I had in fact met all of the requirements for the miles with my checking account, however Citibank would not be honoring the terms of the promotion as I had been misled by the customer service agent who spoke to me, and that I was not in fact eligible for the promotion as I was not targeted. This is despite the assurances i took care to get from the customer service agent before opening the account. This is an unfair practice, because as a result of being misled, I opened the account under false pretenses and will incur more than {$60.00} in monthly fees as a result. 
How
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to report a serious issue with Kikoff, which I believe has violated my rights under the Fair Credit Reporting Act ( FCRA ) and caused harm to my credit profile.

Nature of the Complaint : Kikoff has inaccurately reported a late payment on my credit report. This report is both unwarranted and damaging, and I dispute its validity for the following reasons : 1. Payment Was Made On Time : I have records proving that my payment was made on time. Despite this, Kikoff reported it as late, which has caused undue harm to my credit score.

2. Failure to Provide Proper Notice : I did not receive any notification from Kikoff indicating that my payment was considered late. This lack of transparency prevented me from addressing the issue promptly.

3. Violation of FCRA Guidelines : Under the FCRA, lenders are required to ensure that the information they report to credit bureaus is accurate. By reporting an erroneous late payment, Kikoff has failed to meet this legal obligation.

4. Impact on My Credit : As a result of Kikoffs inaccurate reporting, my credit score has dropped, which could negatively affect my ability to secure credit or loans. This is particularly distressing because I take my financial obligations seriously.

Resolution Requested : I demand the following actions be taken immediately : Remove the inaccurate late payment from my credit report with all major credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX 
Provide written confirmation that the late payment has been removed. 
Conduct an internal review of your reporting practices to ensure compliance with FCRA regulations.

Supporting Documents : I am prepared to provide evidence of my on-time payment, including transaction records, bank statements, and any correspondence with Kikoff, to support my dispute.

Conclusion : I expect Kikoff to address this matter promptly. Should this issue not be resolved in a timely and satisfactory manner, I reserve the right to escalate the matter further, including pursuing legal remedies. 

Thank you for your attention to this matter. I look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 the funds available were {$20.00} and suddenly I found that the balance was Negative - {$490000.00}. 
I went to the Bank and I as going to deposit a check, and was when I realized the account was blocked, so i couldn't make any deposit. 
Since then I have been with a blocked account, and they decided to pout almost half XXXX dollars negative in my account
Product: Vehicle loan or lease

Hello, I have a car loan with Capital one and have been a dutiful customer, already paying XXXX percent of the loan within one year. I have another account a credit card with Capital one and received a covid extension a few days ago, so I do not have to make a payment.. based on the same information, I asked today for a loan extension but Capital one denied it for my auto payment. They claim it was generated by a computer and they have no influence over the outcome. 

Capital one arbitrarily has established a moratorium program, where consumers can apparently be denied on the exact same basis you were recently approved for. Capital One needs to be fair and consistent. Also I would hope that Capital One would be helpful to it's customers during a pandemic which hundreds of thousands of people have lost their lives and the economy has been devastated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed various incorrect collection accounts on my Equifax report on XX/XX/XXXX via United States Postal Service Certified mail with tracking. My dispute confirmation number is # XXXX. As per my USPS certified mail tracking receipt ( attached ) Equifax received my correspondence on XX/XX/XXXX. Their investigation was completed on XX/XX/XXXX, which is more than the 30 days allotted per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30- day time period, you must delete all of the disputed accounts from the report.
Product: Credit reporting or other personal consumer reports

My credit report includes some errors, with late payments incorrectly listed. Could you please fix these inaccuracies and update my account information? Thank you!
Product: Debt or credit management

I used Lexington Law Firm for credit repair with no results. XXXX
Product: Debt collection

I was taken a debt collection agency because XXXX  office that i went to said i owed them {$240.00} that i don't have i paid it anyways so i won't be harassed by e-mails etc. My wife recently passed away due to XXXX we have XXXX year old i am struggling for money right now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX customer service representative XXXX XXXX
Product: Consumer Loan

Recently, I filed bankruptcy. I have elected to keep my vehicle. To be proactive, I contacted the finance company, Santander to obtain more information regarding the process. After speaking with 3 separate representatives I have received 3 separate answers with how to resolve this situation. The final answer I received was for my attorney to contact Santander 's attorney so that the attorney 's could develop a possible plan. I was provided with a number for Santander 's attorney and then provided the number to my attorney. My attorney has contacted Santander 's attorney and to date has been unsuccessful with receiving a return call in order to begin discussion about this matter.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' NCA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' NCA the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, NCA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' NCA Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/BANANA REPUBLIC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/BANANA REPUBLIC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX  and SYNCB/BANANA REPUBLIC with no successful resolutionXXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted XXXX and Transunion creditors, and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. 
Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry XXXX : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX DEALERS Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries appear on my report 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
Product: Vehicle loan or lease

To whom may interest : I have a car loan with First Bank XXXX XXXX. I had lost employment but I was recruited by another company. I started working for that company on XXXX XXXX. The problem was I was not able to pay for the car for the month of XXXX. So I called the bank to inform my situation to see if there was some kind of arrangement I could do with them. 

So they transferred me to Collections and we started talking on XXXX XXXX. 
They inform me they needed the following documents : 1. Explanation letter of why I was needing that arrangement. 
2. An employee certification. Which took a whole week because I didnt have any permanent arrangement with the company.

3. An a form provided from the bank for me to fill it up. 

They kept pushing the process to last longer by asking me an additional form such as a pay stub which I was not able to provide since I had not been paid. Every time I sent the papers through email or physically there was always a lost paper. I spent hours and hours trying to get the same forms to them over and over. They would always give me a date with the decision and when I called for the decision they never had one. Sometimes in the meantime while talking to them I would get phone calls collecting the loan. 

Since all my efforts were unfraitful. I paid the loan and late interest payments on the XXXX XXXX. I got the money from food so I could pay them. The same day they typed a letter saying that the extension was approved. I got the letter way later than that. I called to call off their bad faith and the next day the karma credit points that they took out were reestablished into my credit report. 

Im reporting they delaying the process on purpose and on bad faith and only when they knew I had to paid for the loan conveniently wrote a letter saying that arrangement was approved. 

I would like the car loan fully cancelled and pronounced paid for them. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, This is a formal complaint because I am extremely upset and confused that you have included information below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add.

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible.

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

These accounts have been on my credit report for 14 years