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

I have disputed several times and received know help, XXXX XXXX XXXX is violating my rights.I opened an account with them XX/XX/XXXX, XXXX account number starts with XXXX it went into Charge Off status XX/XX/XXXX. XX/XX/XXXX they transfered the account to another XXXX XXXX XXXX office, they say ... 

then they gave it another account number acct # XXXX XXXX with XXXX past due and turned it into a collection and reporting past due balance on my report. XXXX  shows account paid.the acct # XXXX XXXX XXXX balance. 

I have tried to resolve this issue with all three bureaus with know help. 

I will upload proof of these statements.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

On Tuesday, XX/XX/2019, XXXX XXXX, personal banker, put in an order on his computer to issue a {$25.00} credit to be deposited in my checking account at Bank of America, XXXX XXXX branch. I had been charged a {$25.00} maintenance fee for letting my checking balance get below the {$20000.00} required for the Preferred Rewards status. When I let the balance drop, I had assumed that I would, automatically, be dropped from that classification and enrolled in an account that didn't require a {$20000.00} balance. My assumption was wrong, and I was charged the {$25.00}. XXXX XXXX was sympathetic to my situation and ordered a {$25.00} credit for the account and then enrolled me in an account that required only a {$250.00} balance. To date, I have not received the {$25.00}. XXXX XXXX has not responded to three emails, and XXXX XXXX XXXX has not responded to a letter I sent which was dated XX/XX/XXXX. XXXX XXXX and XXXX XXXX seem uninterested in telling me why the {$25.00} transaction did not go through. I want to know why the transaction has not gone through.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquires I have no knowledge of here are the inquires that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX  data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Product: Payday loan, title loan, or personal loan

On Tuesday the XXXX of XXXX i received an email from lightstream that due to my excellent payment history of 131 months without a late payment and my FICO score of XXXX that i could qualify for a debt consolidation loan up to {$100000.00} at 5.95 %. I applied and was denied based on my credit score for the {$70000.00} loan. I was told to re-apply for a {$35000.00} loan, again i was denied due to my credit score. I called and was assured that i would receive a {$20000.00} loan for 36 months at 5.95 %. Again the computer denied me based on credit. I called and spoke to XXXX the operations manager who denies that a staff member would ever guarantee a loan, even though all there conversations are recorded.
Product: Credit reporting

Hi there, I have a complaint against Experian Credit Bureau. I have been paying for the credit services that they offer to track my credit and score for the past year. I have paid all of my bills on time and for some reason I do n't have a score with Experian but I have one with XXXX and XXXX. I am trying to obtain a loan and I am being denied because the creditors pull credit from this particular bureau.
Product: Credit card

Capital One advertises 5x rewards when booking travel through the Capital One app. The app does not allow me to book travel, therefore Capital one is only giving me 1x rewards when I should have received 5x I find Capital One to be very unethical. I truly feel they are participating in internal fraud, predatory credit services, bait and switch along with unfair and deceptive business/credit reporting servuces.
Product: Mortgage

I applied for a mortgage loan modification with Bank of Hawaii, they sent me an offer letter for a forbearance agreement. I had a friend in the mortgage business review the letter, and he said I may be worse off after the 1 year of lower payments offered due to I will still owe all of the outstanding difference between the contractual payment and the reduced forbearance payments. I am unemployed and on private XXXX insurance. Since the XXXX is 1 year or longer I 'm not sure why they were not able to do a permanent modification? I asked what would happen at the end of the 1 year forbearance period, and if I could re-apply for a modification at that time, and they said no I need to sell the property before the 1-year forbearance period ends. I wondered if someone at CFPB could help me review my options and the offer letter? I need to send 1st forbearance payment by XXXX XXXX, 2017.
Product: Credit card

Capital One is currently advertising promotional deals for credit cards including bonus sign on points. After activating my card and earning the points, I'm unable to use them and transfer to travel partner since it is down for maintenance. This has been down for maintenance for at least 6 days XXXX XXXX XXXX XXXX XXXX No one at capital one knows when this is coming back. They are adversing a rewards program that can't be accessed - locking consumers into an annual fee with rewards that are not available in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against commercial Acceptance, they responded with an inaccurate information. I never received services from XXXX XXXX or Commercial Acceptance. They must provide full verification of any such transaction with a contract that have my signature.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as XXXX, XXXX and XXXX XXXX . Navy Federal Credit Union has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the Navy Federal Credit Union and the XXXX, XXXX and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to Navy Federal to cease their reporting of my private information.
Product: Debt collection

I had car that the dealer change the oil. 3 days later the motor blew up. We replaced the motor same place, 1 day later motor blew again. We gave the car back and tried to work out something over the phone. They put we owe XXXX on a 2009 car, the people that took over added more, now XXXX something is what they have. I am XXXX and a single mom of XXXX. But i am trying really hard to get my family a house. So i called the number on my report, that told me they will work with me but i had to wire them the money that day XXXX. Me sad because i been working hard to save this money for down payment. I went to the bank to wire the money, who refused to do it saying it was a scam and nowhere besides scam asked for it to me wired only and right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX {$940.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particular line of recent CFPP lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and descriptions to use my financial institution as they failed to investigate my claim adequately they inform me that covering lost funds was impossible. Tracking these transactions was unfeasible the CF PBs findings indicate that cell has not only neglected to protect consumers, but also is an allowed repeaters to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and a raise serious concerns by consumer safety. I also had an issue with them closing my account with no warning or investigation on my end to why it was closed. I got told that somebody reported a transaction to me fraudulent, even though it was not. They just wanted their money back and sell closed my account not the other person but mine without any warning without any investigation. I have use Zelle for years and Ive had several issues but this being the biggest one yet how is it fair to close someones account without even investigating on their end? I can no longer use my Zelle because they allow this person who I found out scams many people this way to continue to keep his Zelle, even though he scammed me. They would not even let me speak on the issue or try and get my account back at all. They just closed it and there was nothing anyone could do to help me.
Product: Checking or savings account

Opened an account with Citi Bank ( Citi XXXX XXXX  ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !
Product: Credit card or prepaid card

Someone was trying to hack my Capitol One Bank credit card. The bank closed the account and need me to supply them with 3 forms of information to show my Identity. 
I send them the information, however the refuse to send me my monthly statements. I was told by the secuirty fraud agent that the person who was trying to hack my account had change to paperless statement and Capitol One who change it.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Debt collection

XXXX XXXX 
To:
XXXX
Bcc:


XX/XX/XXXX at XXXX XXXX

ON XX/XX/XXXX i wrote Portfolio recovery Associates and i asked them not to contact me by phone only by mail. I sent them a certified letter which they did sign.  I received a phone call from them at XXXX XXXX XX/XX/XXXX. They did not leave a message. They are calling on the land line and cell.  Please see the attached documents for your reference. This is direct violation of the FCRA rules. So far this does not appear to be a reputable agency and i am not happy with the quality of service and i wish to file a formal complaint.

I sent the above correspondence to XXXX

I also sent them a copy of the letter asking them to only contact me via us mail not by phone. Which I have responded to them by US mail in a very timely matter.

I also sent them a copy of the certified letter which has their signature that they did receive the letter

I also sent them a picture of my cell phone log showing them Portfolio recovery calling me on XX/XX/XXXX at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, trans Union, XXXX, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).
Product: Credit card or prepaid card

On XX/XX/2021, I paid my HSN credit card bill as I had been ( on time ) since I received the card. The credit card is operated by Synchrony Bank. At that time, I had not received paper statements for over a year, not because I requested electronic statements but because they just simply stopped sending them. 
On XX/XX/XXXX when I went online to pay my credit card bill, I saw that I had a late payment. When I called to inquire why, the gentleman informed me that they were using a new system which changed my payment date to the XXXX of each month. I asked could I changed it back to the XXXX and the gentleman stated that I could not but he could change it to the XXXX of every month. I also asked if he could remove the late fee since I did not know until calling that my payment date had been changed. He stated that he had removed the late fee and assured me that I would not receive another after I paid my bill with him. 
On XX/XX/XXXX when I went online I saw that not only had the payment date not been changed, but the late fees compounded. I again called Synchrony Bank and spoke with a woman for about 20 - 30 minutes as to why I still had a late fee and the date had not been changed. She advised that she would have the call pulled and if indeed the gentleman told me what he did, they would have to remove the fees and change the date. 
On XX/XX/XXXX, I saw that the date had been changed but the fees not removed. 
I found out during my last call to Synchrony Bank ( XX/XX/XXXX ) that the woman only submitted the date change and mentioned nothing about removing the late fees. I was also told by the escalated rep that the fees should be removed. I paid the monthly charge of {$30.00} to that rep. I did find it strange that after our long conversation of what happened, she still tried to get me to pay the late fees stating that it would be easier to for them to respond to my claim if I did. I advised her that I am not paying anything that I do not owe. 
This was not my fault. I did not receive a 45 day notice from them as I have researched that I should. On XX/XX/XXXX, when I can not remember the last time that I was sent a paper statement of which I have NEVER requested electronic statements. I was told EVERY time that I called that the fees would be removed but they are still compounding. I am now not able to make the standard payment online. These months of late fees have been processed with the credit bureaus as late payments ( even though I have been paying on time ). This has lowered my credit score. I was in the process of applying for a pre-approved unsecured loan of which I can not complete because of this issue. I was guaranteed by the first gentleman that I talked to that he HAD REMOVED the late payment and assured me that I would not have any additional payments. The calls were supposed to be reviewed but it appears that has not happened.
Product: Credit reporting or other personal consumer reports

Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXXXXXX XXXX XXXX XXXX I explained these payments were late because of not working because of COVID-19
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.

accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1o81. 
Account name : Fair Collections & Outsourcing, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Someone stole my identity and used it to rent a apartment at the XXXX at the XXXX in XXXX Kentucky between XX/XX/XXXX and XX/XX/XXXX. I found out recently that XXXX XXXX XXXX had placed a collection on my credit report for all three credit bureaus in the amount of {$4200.00} for a rental property that Ive never resided at. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX. 
However I have never lived at this address and Ive made several attempts to have a letter of validation mailed to me showing where I had signed a lease for XXXX XXXXXXXX XXXX XXXX XXXX ever. XXXX XXXX XXXX refuses to validate the account belongs to me. Ive also submitted letters to all three XXXX, XXXX and XXXX asking them to validate the account belonged to me. XXXX deleted the account. However XXXX and XXXX stated that since XXXX at XXXX XXXX XXXX stated it was my account with No documentation that it was verified based on his word. Both XXXX and XXXX have also failed to send me a letter validating the account belongs to me. I would like this account removed immediately due to no one sending me a letter of validation 60 days later.
Product: Debt collection

Transworld System Inc, added a collection to my credit bureaus. I have not received any information from this company stating I owe this debt, or offering ability to dispute validity of debt. I do not owe this debt and have documentation to prove this is the case. This greatly is affecting me personally and my business. I was impacted from covid-19 being a XXXX. Please assist me in having this item removed permanently from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Nissan Loss Recovery Department and spoke with a representative by the name of XXXX XXXX, regarding the reporting of inaccurate information by Nissan Motor Acceptance Corporation, to the three major credit bureaus ( XXXX, XXXX, XXXX ). I purchased a XXXX XXXX XXXX ( Vin # XXXX ) on XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, Virginia. I voluntarily surrendered the vehicle on XX/XX/XXXX and possession was taken on XX/XX/XXXX from my place of residence at XXXX XXXX Court, XXXX, Virginia. Because I was protected by law through a Chapter XXXX Bankruptcy ( Case # XXXX ) with the U.S. Bankruptcy Court Eastern District of Virginia, that was discharged under 11 U.S.C. 727 on XX/XX/XXXX, I was NOT personally liable for any remaining balance due after the sale of the vehicle. I was advised by XXXX XXXX that prior to XX/XX/XXXX, the information that Nissan had previously reported ( Account included in Discharged Chapter XXXX Bankruptcy/Paid as Agreed/Closed/XXXX Balance was indeed accurate. However, after viewing my credit reports on that same day, the account status was reporting inaccurately as Open/Current/Balance of {$10000.00}. XXXX XXXX then informed me that because XXXX had received a Cancellation of Warranty payment in the amount of {$700.00} on XX/XX/XXXX from the XXXX XXXX Dealership, they reopened/reaged my previous account and reported those inaccuracies.