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

I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even XXXX with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having insufficient funds when transaction were authorized, I was charged fees due to tagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. They also closed my account.
Product: Credit card

I placed an order for a XXXXXXXX XXXX through the CapitalOne Shopping app on XX/XX/XXXX at XXXX for {$1700.00} ( before tax ). The CapitalOne Shopping app was advertising 30 % rewards/cash back for XXXX purchases, which would give me {$510.00} cash back. I have screenshots from my XXXX showing I purchased the mattress through the app. The screenshots also reflect the 30 % cash back offer and that the offer was activated. On XX/XX/XXXX it will be 120 days since I made the purchase. I have emailed XXXX XXXX times over the past 4 months with the proof of order and multiple screenshots taken during the shopping and checkout process. 

Attachments reflect that I made the purchase at XXXX. The order confirmation I received from XXXX also confirms purchase time at XXXX. 

The first and only response I received was on XX/XX/XXXX. It confirms they know I made a purchase through the app. I have pasted their first and only response here. They refuse to respond to my emails since then : XXXX ( Capital One Shopping ) XX/XX/2023, XXXX XXXX Thanks for contacting Capital One Shopping! 

I've looked into your request, and it looks like it's been less than 30 days since your purchase was completed. At this time, your rewards are being confirmed and processed with the retailer. Unfortunately, the most I can do is ask that you wait until it's been at least 30-60 days, and then check again to see if your rewards are available. The retailers we work with need time to account for adjustments, returns, cancellations, and exclusions, so once that process is complete, your rewards will post to your account. 

If your rewards are travel-related, those can take up to 90 days to post after travel is completed. 

Thanks for your patience and understanding, XXXX
Product: Credit reporting or other personal consumer reports

I was not properly notified of a debt by XXXX XXXX XXXX ( " XXXX '' ), which sent collection notices to an outdated address despite my updated address being available. XXXX continued collection activities without verifying the debt, violating the FDCPA and FCRA. Additionally, the amount reported by XXXX differs from the final bill and ignores an unprocessed energy draft. The credit reporting agencies ( XXXX, Experian, XXXX ) are reporting conflicting Dates of First Delinquency and amounts owed. I request the immediate removal of this inaccurate tradeline. The full demand and documentation is attached.
Product: Debt or credit management

Here we go again. In XX/XX/XXXX, I cancelled a debt consolidation service with Americor for, among other things, failure to pay my creditors from the funds I was providing them in their debt settlement program. This led to a complaint filed with your office, referenced as complaint number XXXX, from which Americor provided your office with an outlandishly false response suggesting they in fact were paying my creditors as agreed, and they went as far as to suggest they would offer {$500.00} to me as a good faith gesture to resolve the issue. 

Unsurprisingly, while your office considered the complaint 'closed ', I of course never received Americor 's 'good faith payment ' as they misled you they would send me. But even more troubling is since that complaint I have received confirmation from one of my creditors that, as I originally outlined in my first complaint, Americor did not in fact pay my creditors as they claimed they did. 

One of my creditors - XXXX - provided me with a breakdown of missed payments ; three of those four missed payments ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) were payments that I made to Americor as part of their debt settlement program - however, XXXX - the actual creditor to whom Americor has falsely claimed they sent my payments- in fact did NOT receive those payments at all.

Americor reported to both myself and your office they made those payments, however evidence provided by one of the creditors themselves clearly shows Americor in fact did NOT make those payments, and instead pocketed the funds themselves.

This is yet another documented example that Americor failed to deliver the services they promised, then misled me about those services, then misled your office after I notified you in a complaint of their actions, and now further evidence supports Americor engages in willful fraudulent behavior and their direct and willful fraudulent misrepresentations to your office regarding same.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : Chapter XXXX Bankruptcy XXXX Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX Records : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Records : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have made multiple disputes with " APPLE CARD XXXX XXXXXXXX XXXX XXXXXXXX '' regarding information they are reporting on my credit report. They have never responded to me with any proof whatsoever that I ever agreed to open an account with them. 

I recently realized that I could prove I never opened the account by asking for specific details. So I disputed specific information about the account, including the amount claimed to be owed, and the dates of the supposed account opening and account closing. 

" APPLE CARD XXXX XXXXXXXX XXXX XXXXXXXX '' was clearly upset by this, and decided to get revenge for having been called out on breaking the law. They have now sarcastically updated my account, but to make it appear even worse. 

Despite the account having shown as a collection/charge off since at least XXXX, they updated the account to show a last payment date in XXXX. This also makes the account appear as open, which makes my percentage of used credit appear higher than it is, which significantly harmed my credit score. 

They can not prove I made I payment in XXXX, because I didn't make a payment in XXXX. The same way I never opened an account with them at all. 

They are intentionally breaking the law, and childishly increasing the number of times they do so to make a point.
Product: Checking or savings account

All of the sudden today, XX/XX/2021, I tried to login to my online account as usual and it happens to be blocked by TDBank. They require for me to go to the branch with covid-19 pandemic to witch I refused and requested for all my funds to be sent to me in a check and my account with them to be closed, they said they won't do it so now they have my money that I need for my family and they won't send it to me. 

I also requested a video call and they said no. I don't want to meet with anyone since I have insuficient inmmune system and contact during pandemic is not good. I would like for them to unblock my online account or send me my funds via check and they are no helping me, it is very frustating in this hard times for me and my family. 

When I tried to login my password did not work, they blocked it. TD Bank can not keep my money just like that. 

Please help.
Product: Credit reporting or other personal consumer reports

Took out a loan to attend XXXXXXXX XXXX XXXXl through my XXXX XXXX XXXX  Well they ended up not providing my training and instead they sub contracted me out to XXXXXXXX XXXX XXXXXXXX an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on ssi and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with this Mortgage debt collecting company name SPECIALIZED LOAN SERVI Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX During the pandemic I was applied the Loan forbearance with the company and they was put my file on the programs and promised not report as late pay after 2 month later I find out this is as late pay on my credit report as Current, was past due 30 days Status date XX/XX/2020 the company reported XXXX as late payment which is the date I applied for loan forbearance I already paid all the payment now and never being late, I tried to contact them many times they don't answer the phone call and my credit report get red mark now
Product: Vehicle loan or lease

I have a loan with CPS for a car purchased in XXXX. I reached out to youll last year. Im paying a very high interest rate for a car that doesnt work. Ive tried to find out whats wrong with the car. This had to be a scam. I tried to use the warranty that I never used, no hit the mileage. They said it was expired. I paid XXXX for this warranty. I pay CPS XXXX each month for a car that doesnt work right, and I believe is unsafe. I dont know what to do. Each time I try to get a car, they are denying me because of credit scores that doesnt even reflect the information I have. I dont know whats wrong with the car, and I need help with this loan. XXXX XXXX knew this car had electrical problems. Now, Im stuck with a loan that Im sure has been miscalculated with the payments and for a car that I cant even drive without continuing to give a jump start. Different readings that nobody knows what the issue is with the vehicle ; no loan. Can you assist, is it legal to sell a recalled vehicle? Cars should be reliable. I dont have any other forms of transportation. Why is it that the dealers are getting a different credit score than what I see on my end. I know I had to file a complaint to get my deposit back from XXXX XXXX during the purchase of this vehicle, and Im assuming they sold me this vehicle on purpose. The only reason I go to them because I have been dont you them since I moved to XXXX XXXX I never thought I be paying this much money for a limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a XXXX   representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an Equifax employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I made a {$610.00} full settlement payment with XXXX XXXX XXXX XXXX to submit payment to XXXX XXXX who purchased a charge off account from XXXX XXXX - XXXX MasterCard. 

I was told that it would take approximately 30 days to reflect the payment of this charge off as paid on my account. I have made numerous attempts with Experian and the XXXX XXXX Mastercard to reflect the status of this account as " PAID ''. As of XX/XX/18 they refuse to correct the status to paid.
Product: Student loan

Law firm sent out notice about collecting a debt. I went on there website and submitted an email to see if we can setup payment arrangement. I ask if they can stop sending notices to home address and call my cell phone they did n't respond and they keep sending out notices to home address
Product: Student loan

I asked Wells Fargo for the balance of my debt in XXXX. They have not provided such. I asked Wells Fargo to provide documentation that my previous loan holder, XXXX XXXX turned my account over to them. They have not provided such. They also gave me a false interest statement for my taxes. I pay {$160.00} per month, so my interest should be more than {$190.00}. I make payments every month. They are being malicious. They ask where I work, even though I pay every month.
Product: Checking or savings account

Chime financial closed my account back in XXXX and mailed me a bad check that XXXX XXXX XXXXXXXX told me they couldn't cash. 
I requested a new valid closure check and in XXXX they told me they mailed it out and it would take 14 days which I never received then in XXXX they told me they mailed out again which was never sent then at the end of XXXX they told me they would expedite a check to me which I should recieve in 3-5 days which I never received. I also requested them to send me my statement because my balance was off and they said they would email it to me which I never recieved
Product: Mortgage

M & T Mortgage failed to send the entire tax payment to the tax office from my escrow account. They were sent two tax parcels and failed to make the full payment. They also failed to contact me via letter, phone, or email to inquire or rectify the situation. They admit to receiving the two parcels from the tax office and failed to take any action to contact me. I had no idea they did not pay the full tax amount owed until after it was past due. I received a delinquent letter with late charges from the tax office in the amount of {$300.00}. They instead send me a partial refund way after the delinquent dates. In XXXX, I received a letter after I made a complaint with mortgage company that they do not feel like they are responsible for the late charge and have added the {$300.00} to my escrow account. I filed another complaint with the mortgage company and never heard back. I then followed up again on XX/XX/XXXX and was told they still didn't want to refund the {$300.00} to me for their mistake and inaction. I never chose this mortgage company in the first place. I will never use them again if they do not take the proper corrective again and pay the late charge that was their fault in the first place. I have no problems filing a complaint with the XXXX XXXX XXXX, other financial consumer complaint websites, making sure they get bad reviews for improperly handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent My first letter to XXXX XX/XX/2022 asking them to investigate accuracy of the national credit system account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

XXXX and Transunion provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

Transunion and XXXX are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

XXXX is reporting a 1-month term when collection accounts does not have terms. 


In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX  XXXX. Date of Inquiry : XX/XX/XXXX. 
- Company : XXXX XXXX. Date of Inquiry : XX/XX/XXXX. 
- Company : XXXX XXXX. Date of Inquiry : XX/XX/XXXX. 


Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report. 

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being. 

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.