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. 

Account name : Account number : Account XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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

THIS IS A NEW COMPLAINT, NOT PREVIOUSLY SUBMITTED ABOUT AN INCORRECT CHARGE OFF REPORTED BY CAPITAL ONE. ALL PROOF AND DOCUMENTS ATTACHED. 

1 ). On XX/XX/XXXX, I paid my Capital One Account, ending in XXXX, a total payment of {$2400.00}. This payment represented a Paid In Full amount, and to ensure complete payoff, I even calculated interest, and purposely overpaid it by - {$57.00}. At the time of payment, my account was in good standing, and was not charged off. 

2 ). On XX/XX/XXXX, my online Capital One issued my monthly statement, which validated what I wrote above, that the payment of {$2400.00} was paid on XX/XX/XXXX, and that I had a credit balance of - {$57.00}. 

3 ). On XX/XX/XXXX, I called in to Capital One to request my refund, and provided an updated mailing address, which they changed in their system. I confirmed this by loggingback in and seeing it. The representative on that day, confirmed my account was paid in full. 

4 ). On XX/XX/XXXX, I logged into my Capital One Account, to see, to my shock, horror, and disgust, that there is a note that my account was " charged off. '' This is materially illegal because at that point in time, and as provided as proof by my credit report, I was only 30 days late. And this is mechanically illegal, because at the point when I paid off my account, it was a solid TWELVE DAYS prior to the charge off, which occured on XX/XX/XXXX. 

4 ). On XX/XX/XXXX, I called Capital One to remedy this. The first representative stated that she did see I paid in full before the charge off, but needed to send me to a manager. At that point, I asked her to wait a second as I wanted to record the conversation, and she said if I did that, she would have to hang up on me. This is intimidation, which I will be filing a second formal complaint on. 

5 ). I was transfered to Representative ID # XXXX, who confirmed that I did pay in full PRIOR to charged off. 

6 ). Representative ID # XXXX, confirmed that they would report this correctly in 90 days, that there is a 22 day " monitoring period '', for which she didn't say what that was, I asked if it was to ensure clearance of funds, she wouldn't answer. 

7 ). When I questioned Representative ID # XXXX about the whole incidence, she said " she considers payment in full on date payment is made, but that Capital One might not. '' This is also a violation of accurate Fair Credit Reporting. Payment made, and when I have never not have an payment returned, should have been accepted as payment made. 

8 ). Today, my credit will be significantly tarnished by an ERRONEOUS reporting by Capital One that the account charged off, when it didn't. I also had to make extreme sacrifices to make this large final payment, which included foregoing vet medicine, and paying essential bills to make sure this happened. 

9 ). Capital One has ruined my credit file, my credit score, and all other consequential developments as a result of this incorrect reporting.
Product: Debt collection

CSC Collections placed a collection on my credit report for {$270.00}. This amount was paid in full to XXXX XXXX company on XX/XX/2021 when I got a new policy with them. YThis had to be paid first before new policy could be done.
Product: Student loan

This is a formal complaint against Navient, LLC. My current private loan servicer is Navient formerly Sallie Mae. I will reach 20 years of repayment in 4 years. The original disbursement amount was {$39000.00} dating back to 2005 and present day, the balance totals {$66000.00}. While granted more options and relief for my federal loans, the private loans have reached substantial interest and fees. During repayment I have inquired about releasing of co signer and told I qualify to then be told upon asking for the application to then being told is not an option because I can not be in any repayment plan like rate reduction. I was previously placed in forbearance as the only available option when requesting assistance with trouble with repayment. To years later be granted a rate reduction, which is only extending the life of the loans, interest continuing to accrue, resulting in more debt as any payments made are only being made on the variable interest. Moreover, I was encouraged to take out student loans without being fully informed of the unfavorable terms, leading to significant financial hardship. These deceptive practices have caused me considerable distress, both financially and emotionally. I have always struggled with loan repayments there is zero outlook that any substantial dent will be made on the balance of the loans and foresee a lifetime of being in repayment. I am seeking discharge of all loans due to misconduct from responsible parties
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Debt or credit management

I signed up with Freedom Debt Relief and have been paying them {$400.00} a month. They have not done anything to settle any of my debts and won't respond to my emails or answer the phone now. Their dashboard doesn't seem to be working online. I started this in XX/XX/year>.
Product: Mortgage

We entered into an agreement to construct a dwelling with XXXX XXXX. XXXX directed us to FBC Mortgage for a pre-approval, stating that we would receive {$10000.00} in a closing cost concession by using FBC. FBC did not approve the loan and XXXX will not refund {$8000.00} in funds deposited under the agreement and {$440.00} in electrical upgrades. See attached for additional information including dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to VW Credit which was received on XX/XX/2022. I asked them to show documented proof that the repossession account listed on my credit reports belongs to me. It has been over 30 days and I have not heard from VW Credit at all. This is unacceptable! To ignore a consumers dispute and not respond at all is a direct violation of the Fair Credit Reporting Act 1681 that unequivocally states within 30 days the reporting agency shall investigate or delete the item ( see attached law ). Since VW Credit ignored my dispute and violated the Fair Credit Reporting Act, and violated my right as a consumer, I want this derogatory repossession account immediately deleted from my credit reports ( XXXX, XXXX, and XXXX ) as stated in the FCRA XXXX!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and noticed some inaccuracies with my report.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information. This is a violation of FCRA. The account listed below has not been properly validated or verified as accurate as the information is to inconsistent. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

Bank of America - check was cashed by another individual that was made our to me. Bank of America has had this check under investigation for 4 months now. Check was cashed in XX/XX/2022 check # XXXX in the amount of {$32000.00}. I faxed a formal complaint on XX/XX/2022. They still have not retrieved my money but have taken the money out of the other persons account. Bank of America has unlawful held my money for 3 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all the credit berue on XXXX cause i have so many hard inquires made without my authorization
Product: Debt collection

I am not liable for this collection. XXXX XXXX XXXX  upgraded my account with a 2 yr contract in the summer of 2012 even though I would be moving and may not be able to take the service with me. I was told I could cancel without penalty. The salesperson misrepresented themselves and XXXX. Now I am being pursued by XXXX XXXX XXXX XXXX XXXX, PA XXXX There is no paperwork except a recorded sale from XXXX Now my credit is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several accounts which Experian refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Credit card

On XX/XX/XXXX, Citibank alerted me to a potentially fraudulent transaction on one of my credit cards. This transaction was for tickets to a XXXX XXXX in XXXX, and I confirmed that neither I nor any users of my card authorized this purchase. At the same time they alerted me to 4 other suspicious transactions, all involving tickets to concerts or shows, in various cities ( XXXX XXXX XXXX, XXXX, XXXX ). I told Citibank that none of these charges was authorized and they removed them from my account. 

A few weeks later, I received a letter from Citibank indication that two of the merchants ( XXXX in XXXX and XXXX XXXX in XXXX XXXX disputed the charge back, and said the transactions appeared valid to them, and the tickets had been used. Citibank gave me the opportunity to affirm in writing that these transactions were fraudulent, which I did. I pointed out that the email addresses to which the digital tickets were sent were unknown to me, and were different email addresses used at each of these merchants. 

On XX/XX/XXXX, Citibank wrote to me to say that they agree with the merchant that there was no fraud, and I was responsible for the two charges, totaling {$1000.00}, and that their investigation was closed. 

Citibank refuses to hear more evidence and is requiring me to pay these charges or they will report it to the credit bureaus. 

To me the evidence is clear : there were a series of transactions using my card number ( but no physical card or chip was presented ) in different cities around the world for concerts and shows. They agree that 4 charges of these were fraud, but somehow insist that another 2 were valid simply because the merchant says so. Moreover, Citibank alerted me to the fraud in the first place.
Product: Vehicle loan or lease

From XX/XX/XXXX, I called the company numerous times about the amount of the car and the terms. The first thing that happened was covid. I bought the car at the end of XXXX or beginning of XXXX. Then, covid happened and I lost my job before the 1st payment was even due.. I called about returning the car because I couldn't afford it now. The company told me I couldn't return the car but I can do a covid 6 month paperwork to not have payments. I told them I know I'm still not going to be able to afford it. They told me I can sign the paper or let the car be repossessed. In XX/XX/XXXX, after the 6 months was over I started making payments I couldn't afford. I was still unemployed. Then, the interest rate was high so I said I wanted to refinance so I can get out of this loan. I didn't see any other way out. I refinaced the car XX/XX/XXXX. They received the 10 day payment in the 10 days to covered the $ XXXX amount. However, the company didn't cash the check in time. Which then left a balance of {$26.00}. I called and talked to a representative, which explained the situation to me. I told her I have proof of when it was received and cashed. She declined to remove the amount. Then, I talked to a representative at my bank that then at that time send another check for the {$26.00} balance. I called again a representative said they cashed and received it on XX/XX/XXXX. However, the company still reports I owe them a balance. They aren't helpful when you call to handle the situation. I don't know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX/ XXXX XXXX  on XX/XX/XXXX. I was paying on time every month. I entered into a debt consolidation program with XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. During this period of time XXXX stated they had contacted all the creditors I included in the debt consolidation program and everyone had agreed to terms. XXXX began making monthly payments to XXXX XXXX XXXX. I have statements from XXXX showing the payments being made. On XX/XX/XXXX XXXX  reported to my credit that there was a 30 day late payment. I reached out to XXXX at XXXX to figure out how I was late when XXXX   made the payments. XXXX stated the payment was insufficient but this payment was already pre agreed upon by both companies. At this time XXXX  told me it was my problem that I was not checking my monthly statement, but XXXX  never tried to contact me about this via email or phone call to inform me the payment was not enough. I told XXXX that my online access didnt work, and they stated once you switched to a debt consolidation program it takes your access away! So how would be able to check my Statements? They had no response. At this time XXXX told me the correct payment had to be made 3 months in a row to get the account back in good standing, but credit would show I was 90 days late on payment until then. I reached out to XXXX about this and they stated they made the correct payments agreed upon between the two companies so theyre not sure why they reported it late. XXXX never gave them a reason why the payments were not sufficient to XXXX so now I am stuck with a 90 day delinquency on my credit severely effecting my credit when essentially I was never late. XXXX  never gave me access to check my online account and verify statements and never attempted to reach out to me to tell my my payments were not sufficient. I had no other issues during my debt consolidation program with other companies and them receiving payment. All payment pricing and arrangements are made between XXXX and all other companies that work together in the debt consolidation programs. I dont know any of that information about monthly payments. XXXX tells me what both companies have agreed upon when it comes to the client and then XXXX drafts the money out of my account automatically every month to pay the creditors.