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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION 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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reached out via the XXXX dispute center through XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  to remove derogatory marks and late payments due to no knowledge or agreement to those companies to pay alleged debt and they could not verify the debt because they didnt have all my information nor could they explain how they acquired my alleged debt. And XXXX XXXXXXXX to remove previous late payments once my account was brought current as part of the repayment plan. None of the marks were removed within 30 days of dispute and currently still sit on my credit report making it difficult to obtain a fair credit report needed got daily life.
Product: Credit card or prepaid card

On XX/XX/XXXX, we transferred the balance on our Capital One card to a XXXX  XXXX XXXX credit card. On XX/XX/XXXX, I received a letter from Capital One asking me to call them and notifying me that my account has been put on restriction due to a fraud inquiry. I called right away and was asked to provide a bank statement to show that I was the owner of the account that paid my Capital One card. I did not understand why they cared who paid my card but agreed to provide information. We sent in the XXXX  XXXX XXXX statement that clearly shows the amount of money that was paid and that I am the owner of the account. I called Capital One on XX/XX/XXXX and was told that they can not clear the restriction until they get a XXXX statement. I explained that there is no XXXX statement and that I already provided the XXXX  XXXX XXXX statement at issue. I explained that it seems XXXX was entered in the notes by mistake. They asked me to resubmit and assured me this would be resolved in the coming days. I heard nothing and called again. I was again told that they are waiting for a XXXX statement. I explained the situation and asked to speak to a manager. The manager was not helpful and told me that I had no option to speak to anyone above him. On XX/XX/XXXX, I received letters noting that if they did not receive the information requested, my account would be closed. I called and explained the situation. I explained that anyone that looked in the system could see they were paid by XXXX  XXXX XXXX and that they already have the information that they have requested. Both the initial agent and then the manager that I spoke to told me that there was nothing that they could do until they received the XXXX information. Again, I explained that this information does not exist and is a mistake in their notes. I asked to speak to a different manager and was told that there is no other manager above this manager to speak with me and that basically I had no recourse. I have excellent credit and have done nothing wrong. Capital One has shut down my points that I have accrued over the years as a Capital One customer and are threatening to close my account. They refuse to review the information that they requested and offer no recourse to the consumer.
Product: Debt collection

I noticed that as of XXXX, XXXX my XXXX Credit Score wend down. According to XXXX  XXXX sold the old debt information to XXXX XXXX. Convergent is now ruining my Credit. I have previously filed a complained about XXXX trying to collect debt that is not mine ; I never had an account with XXXX and I never lived at the alleged address. This matter was already settled with XXXX on XXXX/XXXX/XXXX ; i.e. they ceased extorting money from me. 

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

Today I logged into my Experian account and saw that again three accounts were more inaccurate than when I first disputed them as now they are calling 4 years old closed accounts CURRENT so that I have multiple Late payments on my report for open accounts WHICH IS NOT CORRECT! I called on XXXX. XXXX a spent 2.5 Hours On the phone with XXXX who stated he was removing THESE FRAUDULENT LATE PAYMENTS. He was so nice and stated I was correct and no late payments could show on closed accounts that I told his boss he did a great job. YET HE LIED NOTHING WAS CORRECTED! IT SEEMSTHIS IS PUNISHMENT FOR DISPUTING INCORRECT INFO ON MY REPORT! The accounts are : : XXXX, XXXX, and XXXX - these accounts should be removed months ago when I first disputed them for being false. They were never verified as EXPERIAN CLAIMED BECAUSE THE DATE IS YEARS AGO FOR UPDATE! Also unverifiable due to missing basic info like a BALANCE OR DOLA!! Yet, these accounts which at least showed closed NOW SHOW CURRENT WHICH IS A LIE AND GIVES ME FRAUDULENT LATE PAYMENTS WHICH DAMAGES MY SCORE!!!
Product: Checking or savings account

- XX/XX/XXXX XXXX : I receive notice of a declined purchase from XXXX for {$100.00}. I check my account and balance and transactions. It appears that, in error, the {$100.00} was submitted twice, and possibly being refunded to my account once. This has happened before with an unrelated transaction, and the agent said that the error would likely resolve at midnight. This error also initiated a fraud alert, which it did last time. 
Just in case, I also initiate a payday advance via XXXX for {$250.00}. Theres about {$80.00} in my account. 

- XX/XX/XXXX early morning ( XXXX ) : I get an after-midnight fraud alert, which surprises me. I have a negative balance, which also surprises me. I review transactions again and realize a check for {$430.00} I had forgotten has begun processing in my account. I do another immediate XXXX transfer for {$330.00} and confirm the account is positive by about {$200.00}, even accounting for the surprise check, before logging off of the app. 

XXXX XXXX : I see in my email that theres a value load of {$800.00} ( child support ) on my Bank of America MD epic card , so I transfer it to my unconnected checking account. To my surprise, I get email notification of the direct deposit of {$800.00} at XXXX. My balance is now about {$1000.00}. I transfer {$200.00} to a savings account, leaving the checking account balance at about {$800.00}. 

XXXX XXXX : I receive notice that the {$430.00} check is not being paid due to insufficient funds. My balance returns to about {$1200.00}. 

When I call Bank of America, they insist the check was processed yesterday, despite my confirmation that it didnt. They tell me yesterday, when the check was processing, I only had {$330.00}, and it wasnt enough. I also realize that the ending balance on XX/XX/XXXX is- {$130.00}, which it was not. Despite the money being there, the agent and the manager told me the check would be returned, there was nothing they could do.
Product: Credit card or prepaid card

Be advised Im putting your bank on full legal notice there are rules and bi laws that apply here to major banks and myself that we MUST follow and obey laws I have submitted factual information regarding my credit report that clearly shows that you not reporting illegal information and this tradeline must be removed. Per the FCRA all reporting must be ONE HUNDRED percent accurate. Half your reporting is missing amd reporting incorrect if this tradeline is not removed I will be force to take LEGAL ACTION I will asked for {$1000.00} per credit reporting company total of {$4000.00} I will be reaching out to the Minnesota attorney General office first thing in the morning and most importantly I give you Give business day to delete this account. Why you want to play a game here Why dont you send me what information that each credit reporting agencies sent to your company and most importantly You send me what information you provided them. I want this information in physical documents no rig raft I supplied you with factual document pretaining to my issue! If not this will be considered unverified! Again I want this in physical proof! Or delete I will be waiting your response leaving off information is req and must report remove today
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THEM upon reviewing my credit report, i discovered several unauthorized hard inquiries that i did not recognize. i contacted TransUnion to dispute these hard inquiries and requested removal. unfortunately TransUnion refused to remove them off my repport this issue is causing undue stress and is negatively affecting my financial standing. 

INQUIRIES : DATES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIA DEALER. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. I sent this account my dispute on XXXX but Until now, Nothing has been deleted. 

For YET another time, this account is fraudulent and I need deleting from my report ile asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act 4. dispute letter
Product: Debt collection

I have been repeated harassed by Carrington Mortgage Service and I always pay my bill every month. I have gotten harassed everyday this week o XX/XX/2020. I have told them to stop multiple times and they even have been sending me " recertification '' calls as well that I have told them multiple times to stop because I am not interested. I am in duress and feel unable to fend off these people during this time of COVID-19, I am out of a job ( still making monthly mortgage payments by the way, that I have not missed ), and at this moment I am unable to walk because of a back injury. Can someone please help me in order to free my families life of unwarranted stress by this horrific company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX5 USC 1681.

The letters are stated with items and issues.

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

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the inaccurate reporting on my credit report. This debt was legally canceled, and a 1099-C ( Cancellation of Debt ) was issued. Under federal law, once a debt is canceled, it is no longer legally enforceable, and reporting it as delinquent or outstanding violates the Fair Credit Reporting Act ( FCRA ). 

Key Points of My Dispute : 1. 1099-C Filing : The issuance of a 1099-C signifies the creditor has discharged the debt, and it should not be reported as active or collectible.

2. Inaccurate Reporting : Continuing to report this account as unpaid or delinquent is misleading and harmful to my creditworthiness.

3. Resolution Requested : I demand the immediate and permanent deletion of this account from my credit report. 

Failure to resolve this matter within 30 days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful noncompliance.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX XXXX, related to an account titled " XXXX '' to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, andXXXX XXXX XXXX  XXXX. I have yet to receive any response from XXXX XXXX, related to an account titled " XXXX, '' and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I did notify XXXX XXXX, related to an account titled " XXXX, '' of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit card

Recently I disputed transactions from XXXX XXXX that were prematurely closed. 

The disputes centered around XXXX separate food delivery purchases [ totaling {$140.00} each ] that were spoiled. XXXX has a satisfaction guarantee that doesnt seem to be honored in these instances. 

Per email correspondence from NFCU, I was to provide BY XX/XX/2023 the following : ( 1 ) Correspondence with the merchant regarding cancellation.

( 2 ) Proof of return for canceled or returned merchandise.

( 3 ) Terms and conditions surrounding your purchase.

( 4 ) Invoice for merchandise ordered.

( 5 ) Pictures. Details of purchases and how not as described for each meal.

Foremost, Id point out that closing these claims before XXXX XXXX XXXX XXXX XXXX doesnt honor their communication, as BY means on or before the stated date ( XX/XX/XXXX ). It also is indicative of NFCUs proclivity of : ( 1 ) generalizing these disputes ( analogously trying to fit square pegs into a circle ) rather that considering them individually and holistically ; ( 2 ) deterring consumers by requesting so much information ( of which much may not be needed or necessary ) ( 3 ) hastily denying disputes without thoroughly investigating matters; and ( 4 ) failing to apply logic.

Second, Id like to point out that some of the requested supportive documentation is unreasonable, given the type of purchase made. Also in the XXXX disputes submitted, I detailed that delivery orders are processed at the corporate level, and that I had no contact information for their corporate office. I affirmed that my communication took place in-store. The aforementioned and the length of time between the purchase and dispute submissions also should accounts for why I dont have pictures to submit. 

Additionally I also submitted a dispute for a XXXX membership that Ive been charged for that remains unresolved. 

I believe that NFCU uses an automatic system that fails to apply logic, reasonable deduction or complete thorough investigations for its secured card holders, despite its advertisements.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE. THIS IS INCORRECT REPORTING AND A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. {$3300.00} IS MUCH HIGHER THAN MY ACTUAL BALANCE.
Product: Vehicle loan or lease

On XXXX, XXXX, and XXXX of XXXX, I was put on a deferment plan due to COVID 19. When I signed online to make my payment on XX/XX/XXXX it would not let me enter my card. I called State Farm Bank to find out why I can not pay and they tried to take it over the phone but due to me not having a checking account any longer, they refused the payment. They said that they can only take payments via checking account. I closed my account due to fraud activity and opened a new account at a new bank, with no checking account. I have an XXXX  XXXX card to pay all my bills and money is transferred into it to make the payments. They said too bad and I could open a checking account through them, pay the fees for the checking account I don't need, but how do I get money in it if they don't take a card. They said I could go to XXXX XXXX and wire the money but I am responsible for the fees. I can't leave, doctor 's orders. I called and filed a complaint on XX/XX/XXXX. I was told by XXXX that they would repossess my vehicle. I have been calling ever since trying to get a response, nothing. I was told I will have to wait. Today I spent 3 hours on the phone trying to make my payment, they told me to refinance it somewhere else if I don't have a checking account. I again told them that I will put the payments into escrow until they decide how they are going to take them. They refused and said the vehicle would be repossessed. I has called headquarters, asked for headquarters, corporate, anyone that will help in upper management and they hang up or send me to a department that can not help. Who, in this day and age, has ever heard of a bank not taking a card? My bank laughed and said they have never heard of such a thing. They said that I will incur late fees and it will affect my credit. So I have two law firms waiting for them to answer. I need help, I can not afford this and can't afford two law firms to convince a bank to take a card for payment. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

. Collection XXXX - XXXX Collection XXXX - XXXX Collection XXXX - XXXX
Product: Student loan

Here are copies of our account numbers and copy of cancelled checks that our title company sent with all of our information to Navient and to payoff {$70000.00} of Student loans we co-signed for our son. All of these checks were cashed by Navient on XX/XX/2019 and were to be credited to our account. NOTHING HAS BEEN DONE TO CREDIT OUR ACCOUNT! Instead we have been dunned like bad debtors as well as being told we are going to be charged interest and Late fees for the last 3 months! 

We are at a total Loss and distraught due to the fact we took out a 2nd mortgage on our home so we are paying for this too! 
We need to have this cleared up so we can live our lives and keep working to get our XXXX   child through XXXX XXXX. 

PLEASES HELP! 

XXXX & XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase advertised that once I spend {$7500.00} with in 90 days of opening the card, I will get XXXX points equal to {$750.00}. I have fulfilled and spent more than {$7500.00} and now chase is saying they do not honor it because they are not posted before XX/XX/XXXX. I as a customer do not have control over when the merchant charges or chase posts the charge as I have a document proof that I made purchase on XX/XX/2022 which is well before the offer deadline of XX/XX/2022. 

I feel like these banks have cheated me in opening their card and made me spend all the money without offering their end of the bargain.