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

The following companies are reporting accounts on my credit that I have not authorize or have knowledge about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies have illegally accessed my credit report resulting in a hard inquiry XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX I am requesting under the consumer fair credit reporting act that all of these to be removed from my XXXX, Experian and XXXX accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid a little more than half of by credit card balance ( {$650.00} ) on my Sears Citi Bank Master Card, and on XX/XX/XXXX I pd the remaining balance of ( {$510.00} ) This reduced my balance to {$0.00}. Around XX/XX/XXXX I received a letter saying my credit card account had been closed by the company due to inactivity. I hadn't used my card in several weeks due to being quarantined because of the COVID-19 Pandemic. I attempted to speak with a customer service rep who was less than helpful and basically said there was nothing I could do about it. Around XX/XX/XXXX I was notified by XXXX  that my credit score had dropped 25 points due to the closing of this credit card account. Today, XX/XX/XXXX I spent over 2hrs on the phone either on hold or being passed back and forth between customer service at Sears and Citi Bank card recovery services. I explained what had been happening and I was just passed off again to someone else who said I had the wrong dept. and would transfer me back to the department I had just come from. This back and forth happened about 6 times with two of the conversations being so garbled on the other end I could not understand the person. After two hours of this I gave up.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$87.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Charged {$470.00} for a hotel I never stayed in 4 months ago, tried disputing transaction they told me I cant and I have to pay it.
Product: Student loan

I am filing a complaint regarding Navient payment plans and the active lawsuit that they are involved with. I am a XXXX XXXX for an XXXX XXXX and has been with the company 3 years now right out of college. I never received any information regarding better payment plans for me besides an IDR plan which increased this year slightly under the amount I was originally charged. Being involved in a XXXX XXXX does not pay the best which does not allow me to pay these payments in full with no other options available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

I moved to the state of XXXX XXXX XXXX around XX/XX/XXXX. I online, open accounts in chase XXXX XXXXXXXX XXXX With a XXXX  identification card numbers are. 
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 
Routing numbers XXXX. XXXX XXXX. XXXX I lost all my checking account numbers, before moved to XXXX XXXX
Product: Debt collection

This company placed a debt on my credit report without sending any form notifying me. I did not receive any call or letter. They are in violation of 15 USC 1692gb, 12 CFR 1006.34c, and 15 USC 1681 s-2 for actual knowledge of errors. I found information on my credit report from them that is reporting inaccurately. The are reporting subsequent collections on my account updating it every month. I am aware of the unfair credit reporting of that behavior. It is not 100 % percent accurate.
Product: Vehicle loan or lease

At the end of my lease with VCFS ( Volvo financing company ), the company assessed additional charges for excessive wear on XXXX tire. 

I reached out to the company over the phone and in writing that all servicing of the vehicle was done at Volvo dealerships ( and the lease term was within the Volvo bumper to bumper warranty term ) and there was never any problem around excessive wear or other contributory factors ( such as issues with the breaks ) were ever identified.

The response was the VCFS was a finance company and this was an issue for Volvo. I reached out to " Volvo '' as well but there was no response. The damage assessed was pretty substantial ( almost {$600.00} ). 

While this matter was still being contested, Volvo reported an uncollected debt on my credit report around the same time as I was looking to buy a house. This greatly limited the mortgage options that were available to me resulting more than {$10000.00} in excess costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a negative items on my credit report that doesnt belong to me from XXXX XXXX its over 7 years its there
Product: Debt collection

On Friday, XX/XX/2019 at XXXX XXXX., Hunter Warfield called my cellphone and said they had a debt totaling {$2300.00} and said that if I did not settle the account it would be sent into the court system for legal action. I then asked them " Are you threatening legal action? '' The lady on the phone then responded, " It's not a threat, it's a fact, it will be sent for legal action. '' I responded : " It is a fact that you're threatening legal action? '' The lady : " Yes it is a fact. '' I proceeded to hang up and submit this complaint. I have never acknowledged this debt and have tried to get this debt taken off for years through credit dispute resolutions but they still call and they now threaten legal action against me.
Product: Checking or savings account

Received a statement in the mail from XXXX XXXX about a new online savings account opened in my name along with another name of someone I do not know.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account is unknown to me and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card limit is {$300.00} and now with fee and charges, the amount I owe is over {$500.00}. There's is no way I should have to pay over {$200.00} in fee and charges.. Need help with this issue.
Product: Vehicle loan or lease

Why are you Im calling for the impound a XXXX  this paperwork how can you find it? This guy asked me why you ask for that my vehicle what is the actually you dont say I dont have it because I give you all my receipt number everything he say how can I find this paperwork? OK what do you call Ally Ally say I give you these people walk so she dont know I dont understand whats going on my vehicle might be a vehicle already XXXX off what are you and XXXX he say another he charge I did. I dont know if you see this does god allow his son for the paperwork if you want to sell or he asked me like that because actually visit actually vehicle impound I got called in XXXX XXXX body. How can you find for this paperwork you can give me a fax with it for me I see I can get a consult with affects. How old is XXXX fast this confused? How can you find these XXXX
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. 

Account Name : 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 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 card

On XXXX XXXX XXXX  I was mailed a letter from capital one bank and it had a credit card issued with my name and had an account number of a card I never applied for. I have never used capital one bank previously or have ever applied to this account, I have no idea how someone could use my information to start up this account. I called capital one fraud number and explained the situation that it was not me who applied and that it is fraud and they were able to close the account and said that a follow up letter will be delivered in 60 to 90 business days.
Product: Mortgage

I am the owner and landlord of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I currently have tenants in the property. Due to Corona Virus, they are not paying the rent. I have been unable to afford to pay the private mortgage on the property. I was recently unemployed due to Corona Virus. I have found another job. I now have the ability to pay the mortgage, however BSI Mortgage Company is unwilling to provide a forbearance or bring my loan up to date. The tenants were impacted by Corona Virus and not paying the rent. I could not afford to pay the mortgage due to this hardship. The tenants tried unsuccessfully to get a mortgage. 

I would like to bring the loan current and continue to make payments. The Corona Virus epidemic is hitting the entire country hard. In this case, both the tenants and myself ( the owner ) have been greatly impacted by this epidemic. 

The mortgage company is BSI Mortgage Co. Their contact information is XXXX. BSI has been unwilling to fully understand the full gravity of the situation. They've been patient but have now put me in foreclosure. I do not want to lose this house. Please Help! I thank you for your efforts and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to access my credit reports twice for the last 10 days. I tried twice today and spoke to Experian Agent XXXX who advised only mail for reports and no access on line which is not fair to me when I have the right to access reports online free for 1 year until 2022 as a consumer. He alleged that there is no glitch from his end and that he could not remove block any block from XXXX XXXX XXXX for experian report . I was able to access all other reports except Experian which I need to access weekly at XXXX XXXX XXXX to ensure no one is accessing my report without my authorization as any other credit reporting agencies is allowing me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

I am I victim of identity theft, Ive tried contacting each of the company mentioned in this complaint individually to inform them that the accounts reported on my name are unauthorized by me and that they are fraudulent. XXXX account number 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 are all fraudulent accounts I did not authorize to be opened/reported on my credit report. I do not live at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

I contacted all 3 credit bureaus and asked them to remove this closed account off my reports it has been almost 7 years since they received a payment so it should have fallen off my report.
Product: Credit card or prepaid card

Bank of America used highly misleading wording on both its website and its terms and conditions, which duped me into inadvertently doing a cash advance when I was trying to do a balance transfer. As a result, I was charged exorbitant interest after I was led to believe the transaction would be interest-free. 

I opened a credit card with promotional APR of 0 % on purchases and balance transfers. In XX/XX/2021, I transferred a balance of XXXX. Based on the terms of my credit card, I understood this transfer to be interest-free, with only a 3 % fee. 

I was very careful to avoid doing a " cash advance '', since I know that cash advances are not subject to intro APR. I specifically sought out the balance transfer option, and based on promotional materials I understood that a balance could be transferred to my checking account under the above terms, with 0 % promotional APR. However, the bank processed my balance transfer as a " Direct Deposit Cash Advance '', even though the website led me to understand it was NOT a cash advance. 

The terms and conditions listed only 3 interest categories : Purchases ( 0 % intro APR ), Balance Transfers ( 0 % into APR ), and Cash Advances ( high APR, no intro rate ). 

Attached is a screen shot of the screen where I was asked if I wanted to do a Cash Advance. The screen has a warning in bold that a cash advance would incur interest. I DIDN'T choose that option, and instead, selected the alternative option. Based on the text I saw, any reasonable person would conclude that I was not doing a cash advance and would not incur interest.

I just discovered that the {$10000.00} I transferred was actually processed as a cash advance and I've been charged over {$1300.00} in interest on it to date. I believe these charges are fraudulent because I was misled by the website 's wording, and I believe the website was designed to mislead in this way. 

Screen shot of statement also attached, showing interest charges.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
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. 


Account Name : XXXX  # XXXX Account Name : XXXX  XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX, XXXX  # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/year> XXXX 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 or other personal consumer reports

XXXX  is reporting that I am late XXXX payments on my credit profile, however this account has been charged-off since 2016. For the last XXXX  years this account has been under a closed status with all reporting agency. XXXX is reporting this as an open and active account with XXXX late payments. I asked the XXXX of Capital One Auto Finance XXXX for all notices that were sent out XXXX  days in advance for each due date that is being reported late. I was told that they could not provide this information since this account was charge-off status there were no due dates published each month. By law it states : In order for any creditor to treat a payment as late you must prove that : XXXX ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered XXXX  Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX  days before the payment due date. 

XXXX ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX  days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law! 

Capital One has written this off as a profit and loss write off over XXXX years but says i'm late on payments this by law is wrong! They can not provide the required documents stated by law for a late payment to be reported as " late ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The accounts are listed below that need to be repaired in my file : XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$100.00}